Page 36 - Insurance Times November 2019

PRODUCT COMPARISON

Choose the right health insurance plan to

protect your family

T he past few years have observed that the term is offered under this plan is extensive while the premium

payable affordable.
medical insurance has touched the seventh sky
with the new discoveries. An effective health in-
You can avail benefits such as premium discounts,
Y
surance plan seems to come as a saviour, dur-
ing the time serious medical emergency. Here health-related rewards, wellness packages etc under
this plan
are the five best health insurance policies that are avail-
Y This health insurance plan offers a flexibility of Sum
able in India that you can consider for yourself or for the Insured among four options: Rs. 4.5 lakhs, Rs. 5.5
protection of your family.
lakhs, Rs. 7.5 lakhs and Rs. 10 lakhs on the basis of the
needs of the insurer.
1. Religare Care Health Insurance Plan
Y Cigna TTK ProHealth Plus plan provides pre-hospital-
This is basically a comprehensive health insurance plan. ization expenses cover for up to 60 days and post-hos-
Let's find out the special features of this plan as to why pitalization expenses cover up to 180 days following
it's among the top 10 health insurance plans in 2019. hospitalization.
Y The policy has been designed to help you and your
Y This health insurance plan also provides an emergency
family during a medical emergency.
medical coverage across the world. In case you are
Y This health insurance plan comes out with no upper traveling abroad, you can avail this benefit up to the
age limit bar. Now this means that it can be applied Sum Insured and it will be reimbursed by the insurer.
to a 100 years old person or individual.
Y It offers repayment of Rs. 2,000/- for out-patient treat-
Y Religare care offers free health check-up once every ment charges like doctor's consultation fees, pharmacy
year, regardless of claims filed, to individuals of age 18 expenses etc on yearly basis.
years and over.
Y This health plan provides no claim bonus (NCB) super 3. Apollo Munich Optima Restore Family
add-on cover which makes no claim benefit equivalent
to 60% of the Sum Insured. Health Insurance Plan
Apollo Munich's Optima Restore Health Insurance Plan is
Y The policy comprises a number of specific treatments
basically a comprehensive policy that comes with useful
that can be done anywhere in the world for Sum In- features like the Restore benefits. Let's find out some of
sured of INR 50, 00,000/- and above.
the unique features and benefits of this plan below.
Y It covers ICU charges, ambulance charges, room rent, Y This policy has been designed to offer better coverage.
domiciliary expenses, day care procedures, medical The minimum Sum Insured itself is around 3 lakhs.
check-up and pre and post hospitalization expenses.
Y This health plan automatically gives back the basic
Y The policy also covers every hospital expense incurred. Sum Insured in case it is completely exhausted during
a policy year.
2. Cigna TTK ProHealth Plus Y In case the coverage is used up, the Sum Insured is re-

Cigna TTK ProHealth Plus health insurance plan has been stored back at no additional cost.
formulated to give you value for money. The coverage that Y The policy also comes with a multiplier benefit in case

36 The Insurance Times, November 2019