Check out the most affordable health insurance plans for the working class

With the ever-rising medical costs, buying insurance has become indispensable for financial security. In such a scenario, affordable health insurance plans have become the need of the hour. Following are the most affordable health insurance policies available in India.

1)    CIGNA TTK PRO-HEALTH PLUS

It offers comprehensive coverage at a very affordable rate.

       FEATURES

  • Sum assured varies from Rs. 4.5 lakhs to Rs. 10 lakhs.
  • The policy has a lifetime renewability option.
  • The policy also covers cost like pre-hospitalization and post-hospitalization charges, ambulance charges, various hospitalization charges like oxygen, surgeon fees and also covers daycare cover like dialysis charges.
  • Out-patient charges up to Rs. 2000 are reimbursed on annual basis.
  • Insured members are also offered routine annual health check-up for members above 18 years of age.
  • It offers a grace period of a month to renew the policy.
  • The policy offers no claim bonus and healthy points.

2)    BAJAJ ALLIANZ HEALTH CARE

A well-balanced Bajaj Allianz has the highest claim settlement ratio.

       FEATURES

  • They offer low premium plans.
  • Policy premium starts from Rs. 638 for a sum assured of Rs. 50,000 sum and Rs. 1,093 for a sum assured of Rs. 1,00,000.
  • On family floater, they offer 5% discount on premium.
  • Offers life-long renewability option.
  • The plan offers covers costs such as pre and posts hospitalization expenses, related to the illness of the policyholder.

3)    STAR HEALTH

It offers insurance policy with low and affordable premiums.

        FEATURES

  • Offers low premium plans that are suitable for middle-class individuals.
  • Offers life-long renewability option.
  • The auto-recharge facility is available plus a grace period of 120 days if insurance holders fail to renew the policy.
  • It covers various hospitalization fees like medicines and surgeon fees, emergency ambulance charges, pre and post hospitalization charges, day care procedures and domiciliary expenses.
  • Routine health check-up and no claim bonus are a part of the plan.

4)    APOLLO MUNICH OPTIMA RESTORE

The policy comes with restoration benefit that automatically restores sum insured in-case it gets exhausting.

        FEATURES

  • It offers a wide as well as long-term coverage.
  • It covers various hospitalization fees like medicines and surgeon fees, emergency ambulance charges, pre and post hospitalization charges, day care procedures and domiciliary expenses.
  • Offers health check-up benefit plus stay active benefit.
  • Offers multiplier benefit of 50 to 100% for each claim-free year.

5)    HDFC ERGO Health Suraksha Gold Regain

This is the latest insurance plan launched by HDFC ERGO which offers a comprehensive health insurance policy in India.

       FEATURES

  • This is one of the best insurance policies in India with comprehensive coverage and no restriction on entry age.
  • The policy also offers cumulative bonus upon policy renewal.
  • It has zero sub-limits and it covers in-patient treatment charges.
  • It offers long-term as well as family discounts.
  • The plan comes with minimum paperwork which makes the policy hassle free.

With so many affordable health insurance plans available, ensuring financial security in case of medical emergencies is now easier than ever. Look through the different options available and choose the plan that fits your requirements best.