Compare our Best Health Insurance Plans in India
|Plan Name||Minimum Entry Age||Premium Amount (in Rs.)||Unique Features|
|Care Health Insurance||Adult: 5 Years, Child: 91 Days||16,613||
|Bajaj Allianz General Insurance Health Guard Plan||Adult: 18 Years, Child: 90 Days||12,806||
|Star Family Health Optima||Adult: 18 Years, Child: 16 Days||17,063||
|HDFC Ergo Optima Restore||Adult: 18 Years, Child: 91 Days||18,277||
Condition for Exclusion for Claim in Health Insurance Advisor
Pre-existing Illnesses (before the waiting period): At the time of purchase, you need to disclose if you have any pre-existing illnesses like Diabetes, Depression, etc. These declared illnesses are excluded for a certain period, which is also called the ‘Waiting Period’. This may range from 2 to 4 years depending upon the insurer.After the waiting period, all illnesses are covered.
Self-inflicted injuries: A self-inflicted injury is where a policyholder deliberately tries to harm themselves. These type of expenses are not covered by most of the health insurance companies.
Injuries caused due to alcohol or drug abuse: Injuries caused by an overdose of drugs or alcohol are not covered under the health insurance plans.
Cosmetic treatments: Generally, cosmetic treatments to enhance the body parts are not covered. However, in some instances like an accident causing disfigurement of body parts, is liable to get coverage under the policy. This varies from one insurer to another.