Medical Insurance plans or Health Insurance plans are key to security and stability for individuals. With the health risks increase due to the depreciating environmental quality, changing lifestyle and other factors, it is necessary to have a health policy or medical insurance to help you in the time of need. 

The treatment costs can scale to large amounts that are difficult to manage.  In such circumstances, an efficient health insurance plan helps you to manage your treatments without any burden. An authentic health insurance company is the key factor while buying a health insurance plan. Everyone aims at availing the best policy within their budget which offers broad coverage. So here we have a list of the best health insurance policies in India that one should buy for your security and that of your family.

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1. Religare Health Insurance- Care

Religare care is an all-inclusive health insurance plan which protects you against monetary risks arising due to a medical emergency. Religare care offers the following benefits to its policyholders-

• It offers coverage for expenditure incurred on day care procedures, room rent, medical check-ups, ICU charges, pre/post-hospitalization expenses, ambulance charges, and domiciliary expenses.
• Domiciliary Hospitalization- This medical plan also offers coverage for health expenses sustained during home treatment for a time period above 3 successive days. So it provides all the necessary covers and a relaxing health cover so that nothing can delay your treatment.
   
• There is no upper age limit for enrollment in case of all the plans by Religare including 'care'. So a person of 100 years of age can also avail the benefits of the policy.  

2. Apollo Munich Easy Health

 Apollo Munich Health Insurance offers a wide range of policies but Apollo Munich Easy Health is one of the most beneficial amongst them. If you are willing to buy health insurance you must go for this one. There are numerous benefits that Apollo Munich Easy Health policy offers:

• This particular plan provides in-patient treatment which is useful while getting the cover for hospitalization cost for the time period of more than a day.
• It offers pre-hospitalization cover which helps you get cover for the medical expenditure that is spent in 60 days prior to the hospitalization. Also, the post-hospitalization offers coverage for medical expenses during post-hospitalization.
• You also get the benefit of 144 types of Day-Care health expenses
• The best feature of this plan is Domiciliary Treatment Expenses which is an advantageous feature of this plan. It allows you the ease of availing medical treatment at home, preventing you from undergoing hospitalization.  

The above features make this plan one of the best available options in the market.

3. ICICI Lombard Complete Health Insurance- iHealth

ICICI Lombard Complete Health Plan offers health insurance plans that are not just pocket-friendly but also provide various additional features. It is second on the list as this plan offers beneficial features like-

• With this plan, you can avail several helpful and beneficial aids like free health check-up, cashless hospitalization, free look period of 15 days, tax benefit, emergency ambulance cover, and many more such features. It provides lifelong renewability choice. Along with the hospitalization expenses and treatment expenses, this policy additionally covers expenses of the daycare procedures.

In addition to the above benefits, one can also enjoy cashless facility available at all cashless network hospitals after acquiring this plan.

4. Bajaj Allianz Health Guard

Bajaj Allianz Insurance Company has expanded its horizon by coming up with several come comprehensive health insurance policies, Bajaj Allianz Health Guard being one of them. This health policy provides the necessary benefits which will help you in availing timely and quality treatment. This cover will keep you financially secure while offering the best medical treatments.

• The plan provides coverage for both pre and posts hospitalization expenses including medicines, investigations, consultations etc.
• To plan also comes with the option of Lifelong renewability of your plan.
• Additionally, the plan also offers cashless facility across more than 4000 network hospitals in the country.

5. Max Bupa Health Companion Health Insurance Plan

Health Companion Health Insurance Plan offered by Max Bupa Health Insurance is the one you must go for if you are looking for a basic policy with all major benefits. It offers the option of customized insurance policy which is formulated based on the varied needs of the customers.

The benefits that the policy offers are-

• The policy covers all hospitalization expenses
• Pre & post hospitalization are also a part of the cover.
• You can avail in-patient treatment through ‘Aayush’, equal to the base sum that's insured.
• The policy also provides the benefit of daily cash allowance.

Health Insurance policies in India are a need. From 2018 to 2019 various health insurance companies have expanded their band and tried to provide maximum benefits to the customers. Bu one must be very careful while buying a health insurance policy. Look deeply into the benefits and the expenses covered against the cost of the policy. Ones satisfied only then buy the policy.