Health insurance

Health insurance (5)

We furnish the best Health Insurance Plans based on the Mint Money ratings A,B and C. We extracts the A rated plans as follows; 

 

 Individual plans

(Sum Insured Rs 5 Lakh)

 
 

35 Years

       

Sl

Insurer

Product

Premium(Rs)*

Rating

Score (%)

1

ICICI Lombard

Health Protect 6,195 A 84

2

Religare Health

care 5,162 A 74

3

Oriental Insurance

Individual  Medi shield Policy 5,787 A 69

4

Apollomunich

Easy health Standard 6,137 A 68

5

HDFC Egro

Health surakhsa silver 5,582 A 66
           

Sl

45 years

       

1

ICICI Lombard

Health Protect 7,902 A 84

2

Apollomunich

Easy health Standard 6,945 A 75

3

Religare Health

Care 6,788 A 74

4

Oriental Insurance

Individual  Medishield Policy 6,918 A 69

5

Universal Sompo

Complete Health Care 7,285 A 68

6

Reliance General

Health Gain 8,161 A 68

7

Apollomunich

Optima Restore 8,258 A 68

8

HDFC Egro

Health surakhsa silver 6,718 A 66

9

Future Generali

Health Surakhsa Gold 8,660 A 66
           

Sl

65 years

       

1

ICICI Lombard

Health Protect 30,226 A 76

2

Iffco Tokio

Individual  Medishield Policy 18,528 A 70

3

Religare Health

Care 17,798 A 69

4

Apollomunich

Easy health standard 23,028 A 68

5

HDFC Egro

Health surakhsa silver 20,992 A 66
           

Sl

70 Years

(Sum Insured 10 Lakhs)

     

1

ICICI Lombard

Health Smart 43,773 A 91

2

Religare Health

Care 34,818 A 69
           

 

 

Family Floater Plans

(Sum Insured Rs 10 Lakh)

 

35 Years

(2 Adults+ 2  Children)

     

Sl

Insurer

Product

Premium(Rs)*

Rating

Score (%)

1

ICICI Lombard

I Health 16,735 A 91

2

Reliance General

Health Gain 17,543 A 75

3

Religare Health

care 17,339 A 74

4

Tata AIG

Medi Prime 17,773 A 71

5

New India Insurance

Floater mediclaim 11,551 A 69

6

Universal Sompo

Complete Health Care 17,212 A 68

7

Apollomunich

Optima Restore 19,184 A 68

Sl

45 years

       

1

ICICI Lombard

I Health 19,554 A 91

2

Reliance General

Health Gain 19,656 A 75

3

Religare Health

care 20,224 A 74

4

Tata AIG

Medi Prime 20,256 A 71

5

New India Insurance

Floater mediclaim 15,978 A 69

6

Apollomunich

Optima Restore 21,653 A 68

7

Universal  Sompo

Complete Health Care 21,436 A 68
           
           

Sl

65 years

(2 Adults)

     

1

ICICI Lombard

Health Smart plus 56,235 A 84

2

Reliance General

Health Gain 51,832 A 70

3

Religare Health

care 35,986 A 69

4

Apollomunich

Optima Restore 54,056 A 68

5

HDFC  Egro

Health surakhsa silver 50,382 A 66

   *Premiums are including service tax                     Source: Mint Money Dated 12th Jan 2015#

#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.

Optima Restore

Optima Restore

An innovative Health Insurance Policy

Innovations in the  Health Insurance sector are the order of the day now a days to take care of  the changing  needs the consumers .Optima Restore is an  innovative healthcare plans introduced by  Apollo Munich Health Insurance.

Uniqueness

Optima Restore plan offers a unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year. First, it restores basic sum insured if insured person exhausts his limit during the policy year. The restored sum insured can be utilized against some other illness not claimed earlier during the policy period. In case of family floater policy, the restored sum can be used by some other person insured under the floater policy. For instance, if a person extinguishes sum insured of Rs 5 lakh during first policy year, the policy reinstates entire

Shailesh  is employed in an IT Company in Mahape and provided with group health insurance cover of Rs 3 lakhs  by his employer. He has realized that the cover is not adequate for meeting the increasing hospitalization expenses. He is also concerned that the current cover will not be available if he opts for a job change.Employers provide health insurance to employees under the group insurance. Group insurance is advantageous for excluding preexisting illness unlike the individual covers. But due to higher claims ratio faced by insurers, premiums are getting revised upwards or deductibles are being imposed during renewal of the policies. The deductible is the amount of expenses that must be paid   out of pocket before an insurer pay the claim. This has made employees vulnerable from both sides; the deductibles and ever rising   medical and hospitalization expenses.Faced with this situation, many employees have started taking additional individual/family floater health insurance policies without realizing that the health insurance policies are indemnity policies and the multiple insurers will share the claims in proportion to their sum assured. The premiums get aggregated and cost increase, but the sum insured does not get aggregated.

 Super Top Up policy :Optima Super 

Apollo Munich Health Insurance

 

What is a Super Top Policy? 

Super Top policy allows you to enhance your sum insured as per your need at a lower cost. Under Super Top Up Policies, claims will be paid   where the medical expenses exceed the deductible amount selected by you. 

 

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;

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