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Best Health Insurance Policies To Look Forward To In 2023 – Forbes Advisor INDIA

New year starts with new possibilities and new promises which one can make for themselves and their near and dear ones. Then, why not purchase a suitable health insurance policy in 2023, which not only finances your medical emergency needs but also allows you and your family to avail the best possible medical treatment with the cashless payment facility.

All this can only happen if you own a comprehensive health insurance policy so that you can enjoy a certain degree of control and gain some security for you and your family. 

To help you decide for the most suitable health insurance plan, we have analyzed certain health insurance policies that offer countless benefits, wide sum insured options with less of sub-limits and hidden costs.

Aditya Birla Activ Health + Multiply Fit Combo

Aditya Birla Activ Health + Multiply Fit Combo is one the best policies which one can buy in 2023. This policy not just offers a very comprehensive coverage but also puts focus on fitness, wellness and rewards. Aditya Birla Activ Health + Multiply Fit Combo is quite a new age plan which offers great discounts and reward points that reduces premium liability and also encourages the policyholders to implement healthy habits.

The plan comes in two variants which offer sum insured coverage up to INR 2 crore. The policyholder will receive the benefit of double sum insured if there is no claim bonus. Other than basic coverage, the plan also provides coverage for mental illness, obesity treatment and homecare medical treatment. Avail various cashback and discount offers up to 25% on various lifestyle, travel and entertainment partners such as Amazon, PVR, Uber and Zomato. 

Care Supreme

Care Supreme plan can be another good pick, if you are planning to buy a health insurance policy in 2023. You can buy this policy for yourself or also can cover your family members.

Care Supreme plan has no sub-limits on AYUSH treatment and advanced treatments such as robotic surgery. However, it provides the unlimited recharge of the sum insured for treating these same illnesses.

Under this plan, the insured will have coverage up to a 500% increase in the sum insured in cumulative bonus super feature. Further, the policy also ensures your fitness by giving unlimited access to Online Fitness & Wellness and Nutritionist sessions. The policy also offers up to 30% renewal discount on premium and an option to pay premium as per the city they live in.   

Bajaj Allianz Health Infinity Plan

Bajaj Allianz Health Infinity plan is one of the best individual policies where one can cover themselves along with their immediate family. This plan has no sub-limits on the sum insured amount. Moreover, with this plan, Bajaj Allianz has launched the concept of choosing healthy insurance on the basis of per day room rent. The per day room rent options available under the policy ranges from INR 3,000 up to INR 50,000. There is also a wide coverage for road ambulance, which is INR 5,000 per hospitalization.  

The policy covers in-patient hospitalization treatment, pre-and post-hospitalization, day care procedures, preventive health-check-up with no sub-limits.  

Reliance Health Gain Insurance

Reliance Health Gain policy is a solid plan for individuals as well as covering families which offers comprehensive coverage up to INR 3 crore. The policy offers benefits such as restoration of the sum insured, double cover, no limits on room rent, extensive coverage for treatment costs related to hospitalization expenses, homecare treatment and pre-and post-hospital admission coverage.

In case of detection of a covered critical illness, the policy also waives off the renewal premium for that year. The policyholder can also offer up to 100% of the sum insured on modern treatment surgeries such as laser or robotic surgeries.

Reliance Health Gain policy has three sub-plans: Plus, Power and Prime. With no-age limit for a sum-insured up to INR 3 lakh, this policy is ideal for those senior citizens, who are devoid of a medical policy due to high age brackets.

Niva Bupa ReAssure

Niva Bupa ReAssure is a complete feature packed, comprehensive health insurance plan, which one can definitely buy in the year 2023. This policy offers the sum insured coverage up to INR 1 crore. The policy offers many benefits such as restoration on the sum insured and booster benefit which doubles the sum insured coverage in two claim free years.

The policyholder can also avail 30% discount on renewal premium payment by collecting health points on Niva Bupa Health app. This plan also offers coverage for in-patient treatment cost without any room rent capping, day care treatment, modern treatment, AUSH coverage, organ donor transplant cost along with home care treatment. The policyholder can also avail wider coverage for both road and emergency air ambulance.

Bottom Line

As we have seen, a health insurance policy offers a host of useful coverages if you select a plan that is most ideal to you and the family’s needs. So as to make the best choice and kickstart the year 2023 right, go for the health insurance policy which inspires hopes for the future and helps you in the hour of need.