1. Which is the best health insurance plan specifically for you in Plans 2024?
Latest IRDA Reports Just to be a safer side We have averaged out three years of data Just to be Extra questions will also be considering the size of the insurance company On the basis of this they have shortlisted six best insurance HDFC Ergo Never Bupa Care Health Aditya Birla It will take some time for you to analyze Bajaj Allianz and ICICI Lombard.
Analyze it in your own time. Also, data like this, which is not consolidated data, will not be found anywhere on your entire internet. If you find it now, then most likely a hundred percent will not be correct.
Now we have talked about the best insurance, now which are their plans, which should we consider and which juice from the plants should you do? We will talk about all these later, first of all let us see the eligibility of the entire company and the maximum cover.
In this table we have written the exact names of all the plants for you to avoid confusion. Now let us see the eligibility of all and do the math. The maximum age in HDFC Ego New Bupa Bajaj Allianz and ICICI Lombard is 65. First, you can take the policy anytime, the minimum age in ICICI is 6 years, care is supreme.
2. Aditya Birla Max H2 Inter means you can take both these policies anytime.
If you want to take a policy for your parents and if their age is about 65 then you can consider both Care Supreme and Aditya Birla options, then Bajaj Allianz is offering you the minimum which is Rs 50, all other policies are offering you minimum There are some policies like ICC which are offering 6 crores and 10 crores respectively. Now let's talk about room rent. Room rent is one of the most important parameters in any policy and mine is simple.
If any policy imposes a limit on your room rent, I reject most of the policies at this time, so as you see here, none of the policies have put a limit on room rent, only Bajaj and ICICI tell you that You cannot take a suite room. Apart from that, any other room will do. What is special about all the policies of No Let's See, that is, you should consider this policy as you are seeing in the table. In HDFC Ego, they give you 2X 3X from one. And you can get up to 5c cover with their plus and secure benefits.
We are not talking about it in detail, we will discuss all this in the dedicated section of HDFC Agargo.
3. Supreme's biggest benefit What Is
Automatically this welcomes a very good option for people about the age of 65 plus you get up to 5x cover on your badge limit with their super no claim bonus option Nava Bupa I get you 10x cover with their booster plus option but note As for this, which is a cover of 10x, you get their platinum and titanium plants as well, then in the people below the age of 35 gold plans, you get only up to 5x tax, with no plus, you get further block tax which is usually beneficial for your health.
There are insurance companies, their premium increases every year by 15 to 20% but with this as a long term benefit, your premium will not be paid until you make your first name, so if you do not make your first name for 10 years, then your Premium will not be payable for 10 years
Aditya Birla gives you tax from day 1 for some chronic diseases and also 5x tax just like other policies with their super credit option. The unique point of Bajaj Allianz is that you get maternity benefits in it, if seen on a regular basis.
If we go to Bajaj Allianz, it is the least week, hence November is very good for people who want a very high cover, it offers you up to 10% tax, the second unique point is this.
4. ICC allows you to do this even outside India.
In ICC, this tax remains valid for you even outside India, so this is a very good option for people who keep on traveling. What are the other benefits of these policies?
First of all, we will talk about restoring benefits. Resto benefit is When you make an insurance claim in any year, the company will restore your amount. If you see the second claim here, it has not happened.
4. You get unlimited registration in Bhopal Aditya Birla ICC Lomdi
But in other HDFC Urban Bajaj Allianz you get the option of only one time restoration. In HDFC Ego you can get the option of unlimited registration but just as an add on.
Next if we talk about Wellness Benefits, Wellness Benefits means that generally you get the opportunity to live a healthy lifestyle. What are the benefits available, if we see here, there are three policies, Care Supreme, if you see here, it is almost semi in all the policies, only in Aditya Birla, instead of 60 days, you get pre-hospital tax of 90 days, now the last option.
Good to have lovers comes in what we have, now it may be very important for some people, not at all for some, now friend, here we have considered OPD benefits and majority benefits as you are seeing, OPD tax in HDFC. It is not there, everything else is there
Bajaj Alliance also has a policy for Maternal Expensive, but for that also you will have to wait for six years. Now we just have to see. Must have riders were concerned that they can conclude the three best health insurance plans in 2024.
Now you must be thinking, friend, you will give us a plan. So please tell me but should we take that plan for ourselves because everyone's benefits are different and if you are also thinking like this then you are bound to get confused.
Just to avoid this confusion I would recommend you to take help from an expert. Who can guide you for free?
The name of this expert is this is an insurance company back in Zerodha where you will get genuine advice and that too for free. Personal experience is what I am telling you. With Dayton you can book a free concentration call where you will get Can any expert tell you which policy will be best for you and I got a free concentration call, no mains pan message, has a sama ki policy and has 4.9 out of five ratings on Google reviews which is also the same like that show in short
if you plan to Take insurance policy from Ditto, your entire process from policy selection, the claim will be very smooth, so that the family will not face any issues while claiming the policy, because I have also taken the policy from there, so let me personally tell you that
5. it Reminds you every year in time
Make sure that you stay on track okay so before the top three pick let's see what should be next to must have. Look in your policy there should not be any disease by some limit in any policy, many companies set some limit on heart complication or On any other disease, all this should not be included in your policy at all, as you can see here, there is no limit in any of the shortlist, except for Aditya Birla Active Fit, which has all the limits for maternity but in the territory. For this, almost all the companies do not offer more than Rs 1 to 1.5 lakh and in most cases it does not cost more than this.
Rest of your policy, there should be a minimum waiting period for pre-existing illness, on an average three to four years. With this, you get work on ICICI Lombard Pay.
Ok now let's see our top three picks for the best health insurance plans in 2020 based on the data we have seen today. My top three picks for the best health insurance plans in 2024 would be HDFC Ego Optimus Seeker. Supreme and Leave a Book a Show 2.0 In this pick the particular order in which one is good in some aspect and one is good in some aspect would be due to calculate your premium for all the three policies before taking the final one and if you are so don't want to work hard
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