5 Best Health Insurance Plans in India You Can Buy in 2020

5 Best Health Insurance Plans in India You Can Buy in 2020

Choosing the most suitable health insurance for yourself from a pool of health insurance companies in the market can be a daunting task.

With different coverage features, different premium amounts, and different add-on benefits in all, one may not be able to find the best solution for oneself in such a complicated situation.

But do you need to worry? With InsuranceDekho at your service, the answer is NO.

InsuranceDekho offers the best health insurance plans in the market and helps you buy the most suitable one for you within a few minutes. These plans ensure a healthy future for your entire family and cover your healthcare expenses including hospitalization expenses, emergency ambulance, daycare expenses, and even critical illnesses in some cases.

To narrow down the options from many health insurance companies and even more health insurance plans in the market, we are here with a list of best health insurance plans 2020.

Best Health Insurance Plans

1. Religare Care Health Insurance Plan
2. Star Family Health Optima Plan
3. Apollo Munich Optima Restore Plan
4. HDFC Ergo Health Suraksha Gold Plan
5. Max Bupa Health Companion Individual Plan

Let us understand these health insurance plans in detail.

1. Religare Care Health Insurance Plan

Religare Care plan is a comprehensive health insurance policy that covers medical expenses of the injured occurring from any injury, illness, or accident. Religare Care plan is available in 5 variants, viz., Care 3 (Super Saver), Care 4 (Elite), Care 5 (Elite Plus), Care 6 (Global), and Care 7 (Global Plus). Policyholders can opt for a sum insured ranging between Rs. 4 Lakh to Rs. 6 Crore under this plan. The plan also offers many add-on benefits that the policyholders can opt for by paying a little extra premium. These include No Claim Bonus Super, Unlimited Automatic Recharge, everyday care, personal accident cover, smart select, air ambulance, global coverage, and international second opinion.


  • All daycare treatments are included
  • In-patient hospitalization expenses up to sum insured limit
  • Global cover on cashless basis across a network of hospitals
  • Pre hospitalization expenses for up to 30 days
  • Post hospitalization expenses for up to 60 days
  • Domiciliary hospitalization expenses for up to a specified limit


  • Expenses for the treatment of AIDS
  • Congenital diseases
  • Expenses arising due to self-harm
  • Expenses incurred from an addiction such as alcohol, tobacco, etc.
  • Any expenses arising due to war, strike, riot, etc.

2. Star Family Health Optima Health Insurance Plan

Star Optima Plan can be considered as a super saver health insurance product that covers your entire family at a nominal premium. You can include self, spouse, and dependent children aged between 16 days to 25 years. The plan offers the benefits of lifetime renewability and you can purchase this if you are aged between 18 years to 65 years. Policyholders can choose to sum insured options ranging from Rs. 3 Lakh to Rs. 25 Lakh. The best part about this plan is that it offers 3 times automatic restoration of the sum insured by 100% for every complete exhaustion…….Read More>>


Source:- insurancedekho