I want to buy a health insurance cover of ₹5 lakh for me (24 years). Can you please recommend the best health insurance policy for me? Also, tell me whether the cover is sufficient for cash-less hospital expenses?
You can consider buying ICICI Lombard iHealth or Apollo Munich Easy Health.
Apollo Munich Easy Health Standard covers in-patient hospitalization expenses. In addition, it allows a health check up after four continuous claim-free years. There are no sub-limits in case of in-patient treatment. Cover for Ayurveda, Unani, Sidha and Homeopathy is an added advantage.
ICICI Lombard iHealth provides for in-patient hospitalization expenses This plan can be extended to include any one or both the add-ons by paying extra premium. First add-on allows hospital daily cash to meet subsequent expenses and convalescence benefit for recovery. Second add-on can cover critical illness and donor expenses. A policyholder can select any one or both of these options to modify the policy to suit their needs. It also offers to opt for sub-limit if you wish to reduce your premiums.You need not go with sub-limits option.
|Annual Premiums (₹)|
|Apollo Munich Easy Health Standard||5462|
|ICICI Lombard iHealth||4116|