Apollo's Optima Restore Plan

We like this plan, because, if you fall ill once and exhaust your limit, there is no need to worry.

This is because, if you fall ill the second time you can even claim that, if you have exhausted a limit. Remember, health insurance also qualifies for a tax rebate.

Max Bupa's Heartbeat

The unique proposition of the singular Heartbeat Family First Plan from Max Bupa is that it offers coverage for up to 14 family members. So one sum can insure everyone.

This means that the insurance amount is accessible to any family member.

A product from Star Insurance

It becomes increasingly difficult to get health insurance if you are a senior citizen and that too without a check-up. Star's Read Carpet Health insurance comes with some excellent features including coverage of pre-existing diseases from the second year onwards and guaranteed lifetime renewals.

ICICI Lombard’s Complete Health Insurance

Many health insurance policies do not cover day care surgeries.

ICICI Lombard's Complete Health Insurance covers up to 150 day care surgeries, which is certainly not a bad proposition.

It coverage also includes a 30 days pre and 60 days post-hospitalisation.

Apollo's Optima Restore Plan

We are back once again to the Apollo's Optima Restore Plan. This is because it also rewards you with a multiplier benefit in case you don't claim in the policy.

The multiplier benefit doubles the sum insured in 2 claim free years! . What this means is if you were having coverage for 2 lakhs, if you have 2 claim free years, your coverage would be hiked to Rs 4 lakhs. 

Good for maternity insurance

There are two more benefits that the Max Bupa Hearbeat gives. You can protect the your new-born baby from birth without any additional premium.

You can insurance for two deliveries. However, for this you and your wife have to be covered for two continuous years.