Best Health Insurance Plans

Mint Money has published the mediclaim insurance ratings based on Pricing, Claims repudiation,Pre-existing exclusions,Co-pay,Disease waiting period, Disease wise capping, Sub limits on room rent and No claim bonus. Ratings have been categorised as A,B and C. We extracts  the A rated plans;

 

 

Individual Plans(Sum Insured Rs 5 lakhs)

 

Age 35 years

Sl

Insurer

Product

Premium(Rs)

Rating

Points

1

ICICI Lombard

complete health Insurance

6,195

A

0.78

2

United India

Platinum

5,788

A

0.78

3

Apollomunich

easy health standard

6,017

A

0.76

4

Religare

care

5,162

A

0.73

5

L&T

medisure classic

5,035

A

0.69

6

Apollomunich

optima restore

6,302

A

0.69

7

Apollomunich

easy health excluisive

6,902

A

0.69

Sl

Age 45 years

1

ICICI Lombard

complete health Insurance

7,902

A

0.76

2

Apollomunich

Easy health standard

6,843

A

0.76

3

Apollomunich

easy health excluisive

8,095

A

0.76

4

Religare

care(recently launch)

6,788

A

0.73

5

L&T

medisure classic

6,212

A

0.69

6

Iffco Tokio

Individual Medishield

7,333

A

0.66

7

Chola MS

Individual Health Insurance

7,734

A

0.65

Sl

Age 65 years

1

ICICI Lombard

complete health Insurance

30,226

A

0.7

2

United India

Platinum

11,461

A

0.7

3

L&T

medisure classic

16,684

A

0.69

4

Religare

care(recently launch)

17,798

A

0.69

5

Bajaj allianz

Silver health

26,553

A

0.69

6

Iffco Tokio

Individual Medishield

18,528

A

0.66

7

Chola MS

Individual Health Insurance

18,715

A

0.65

8

Reliance General

Healthwise Standard

23,354

A

0.65

 

Family Floater Plans(Sum Insured Rs 10 lakhs)

 

Age 35 years

 

Insurer

Product

Premium

Rating

Points

1

ICICI Lombard

ihealth

16,735

A

0.85

2

Religare

care

17,339

A

0.73

3

Apollomunich

optima restore

17,608

A

0.69

4

Max Bupa

Familly first gold

20,726

A

0.68

 

Age 45 years

1

Apollomunich

optima restore

20,066

A

0.69

2

Religare

care

17,472

A

0.73

3

ICICI Lombard

complete health Insurance

19,554

A

0.85

 

Age 65 years

1

ICICI Lombard

i health

56,235

A

0.78

2

Apollomunich

optima restore

64,853

A

0.69

3

Religare

care

35,986

A

0.67

 

Family Floater Plans(Sum Insured Rs 20 lakhs)

 

Age 35 years

1

Max Bupa

Familly first silver

19,997

A

0.68

2

Religare

care

23,935

A

0.73

3

Max Bupa

Familly first gold

29,316

A

0.68

 

Age 45 years

1

Max Bupa

Familly first silver

24,280

A

0.68

2

Religare

care

27,793

A

0.73

3

Max Bupa

Familly first gold

33,954

A

0.68

 

Age 65 years

1

Religare

care

45,041

A

0.67

 

 

Source: Mint Money Dated 20th January 2014

 

 

Last modified on Wednesday, 10 February 2016 06:56

Prakash Praharaj

Shri Prakash Praharaj has a passion for excellence. He has been awarded two gold medals for securing top positions both in Graduation and Post Graduation in Commerce. He is an MBA with specialization in Finance and marketing. He has been awarded Diploma in Treasury, Investment and Risk Management besides CAIIB from the Indian Institute of Bankers. He is a Certified Financial PlannerCM from the Financial Planning standards Board, India (FPSB), affiliated to FPSB, Denver, USA and Certified Personal Financial Adviser from NISM. He is also a SEBI registered Investment Adviser vide Reg. no. INA 000000045 dated 2nd August 2013.His book "Your Every day guide to Personal Finance and Insurance" has been published by CNBC TV 18 in August 2015.

5 comments

  • Sujata Aniruddha Sapkal

    posted by Sujata Aniruddha Sapkal

    Wednesday, 26 August 2015 10:46

    While taking health insurance always consider exclusions and conditions;because companies tend to exclude many things to bring down the premium amount.....so our preference should be overall coverage and not the lesser premium.

    Report
  • Minecraft.Net

    posted by Minecraft.Net

    Saturday, 23 May 2015 01:16

    Awesome! Its in fact awesome post, I have got much clear idea regarding from this post.

    Report
  • Akash

    posted by Akash

    Saturday, 05 April 2014 10:37

    Good one

    Report
  • Dhanush

    posted by Dhanush

    Wednesday, 22 January 2014 11:43

    Really informative

    Report
  • Sujay

    posted by Sujay

    Wednesday, 22 January 2014 10:05

    Thanks for providing very useful information!

    Report

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