Page 37 - Insurance Times November 2019

policy claimed has been filed. features that have given him a spot in the top 10 health
Y The multiplier benefit under this plan doubles the Sum insurance plans in 2019 are following.
Insured in 2 claim free years Y The policy offers compensation against Health
Checkup expenses for up to Rs. 5,000/- once every 3
Y You can get coverage for up to Rs. 50 lakhs by paying years of the policy coverage
a higher premium with this health insurance plan.
Y Under a single plan, this policy offers wider coverage
Y The policy also comes with children cover. It can cover for the whole family and that too at a reasonable pre-
children as young as 5 years.
mium.
Y The maximum age to buy this policy is restricted at 65
Y Comes with a 100% automatic restoration of total Sum
years. However, the policy can be renewed through- Insured
out your life in a hassle free way.
Y The policy covers new-born baby from 16th day of
Y There's a waiting period of 3 years before you can get birth
coverage for pre-existing diseases.
Y You can avail extra Sum Insured (auto recharge) with-
out any additional cost, up to 30% of Sum Insured.
4. Aditya Birla Active Assure Diamond
Y It covers over 400 day care procedures
Plan
Y For treatment exceeding three days, Domiciliary Hos-
Active Assure Diamond Plan from Aditya Birla comes at an pitalization Expenses are covered.
affordable premium. This health insurance plan offers a
range of benefits as well as extensive coverage. This health Y The coverage is expended to hospital charges, ambu-
plan has been designed to provide you comprehensive lance expenses, in-house treatments etc.
health coverage. Some of the unique features and benefits Y In case the Sum Insured is exhausted, it will be auto-
of this health insurance plan are listed below. matically restored. You can avail 3 auto-restorations in
Y This health insurance plan offers refill of the Sum In- a single policy period.
sured, in case the Sum Insured and No Claim Bonus
Y Star Health Insurance is associated with more than
(NCB)/Super No Claim Bonus is exhausted.
6000 network hospitals.
Y Under this plan, an insured can get up to 150% of ad-
ditional Sum Insured (Rs. 50 lakhs at the highest) for 6. Bajaj Allianz Family Floater Health
hospitalization in case of an unrelated illness.
Guard
Y It offers coverage for alternative treatment procurers
like unani, ayurveda, homeopathy and siddha for a Bajaj Allianz Health Guard health insurance policy is one
pre-decided limit. of the best health plans from Bajaj Allianz General Insur-
ance Company. The policy provides total coverage against
Y Covers the pre-hospitalization expenses for 60 days
health expenses. Some of the unique features of Bajaj
and post-hospitalization expense for up to 180 days.
Allianz Health Guard policy are mentioned below.
Y The plan will also cover personalized coaching by Y This health insurance plan offers cashless facility
health professional who will instruct and guide the in- through 4000+ network hospitals all over the country.
sured person in case they're suffering from hyperlipi-
Y The policy comes with a lifelong renewal facility.
demia, hypertension, diabetes, asthma etc.
Y This health insurance plan offers coverage for pre-hos-
Y Aditya Birla Active Assure Diamond Plan covers a sec-
pitalization expenses for 60 days and post-hospitaliza-
ond opinion for a major critical illness like kidney fail-
tion expenses for 90 days.
ure, heart attack, cancer etc from a doctor of a net-
Y Organ donor expenses and daycare expenses are cov-
work hospital.
ered under this plan.
5. Star Family Health Optima Y Under this plan you can enjoy daily cash benefits.
Family Health Optima health insurance plan from Star
Health Insurance has been formulated to offer protection 7. HDFC ERGO Health Suraksha
for the entire family in exchange of a single premium pay- Health Suraksha plan from HDFC ERGO comes with a num-
ment under a floater Sum Insured. Some of the unique ber of special features and benefits. Find them out below.

The Insurance Times, November 2019 37