Which is the best medical insurance policy in India? How much premium is to be paid annually? What is the cover?

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 Choosing the best medical insurance policy in India can be a daunting task as there are a variety of policies available with different features, benefits, and premiums. In this article, we will discuss some of the best medical insurance policies in India, their premiums, and coverage.

1. Max Bupa Health Companion Family Floater Plan Max Bupa Health Companion Family Floater Plan is a comprehensive health insurance policy that offers coverage for hospitalization, pre and post-hospitalization expenses, and day-care procedures. The policy covers up to 13 critical illnesses and also provides a health check-up benefit. The premium for this policy starts from around Rs. 9,000 per annum for a family of four, and the sum insured ranges from Rs. 3 lakh to Rs. 1 crore.
   

1. HDFC ERGO Health Suraksha Gold HDFC ERGO Health Suraksha Gold is another popular medical insurance policy in India that offers a range of benefits, including hospitalization expenses, pre and post-hospitalization expenses, and day-care procedures. The policy also covers organ donor expenses and provides a daily cash benefit. The premium for this policy starts from around Rs. 10,000 per annum for a family of four, and the sum insured ranges from Rs. 3 lakh to Rs. 75 lakh.
   
   
2. ICICI Lombard Complete Health Insurance ICICI Lombard Complete Health Insurance is a comprehensive medical insurance policy that offers coverage for hospitalization expenses, pre and post-hospitalization expenses, and day-care procedures. The policy also provides a daily cash benefit and covers critical illnesses. The premium for this policy starts from around Rs. 12,000 per annum for a family of four, and the sum insured ranges from Rs. 3 lakh to Rs. 50 lakh.
   
   
3. Apollo Munich Optima Restore Apollo Munich Optima Restore is a popular health insurance policy in India that offers a range of benefits, including hospitalization expenses, pre and post-hospitalization expenses, and day-care procedures. The policy also covers organ donor expenses and provides a health check-up benefit. The premium for this policy starts from around Rs. 10,000 per annum for a family of four, and the sum insured ranges from Rs. 3 lakh to Rs. 50 lakh.
   
   
4. Religare Care Religare Care is a comprehensive medical insurance policy that offers coverage for hospitalization expenses, pre and post-hospitalization expenses, and day-care procedures. The policy covers up to 32 critical illnesses and also provides a daily cash benefit. The premium for this policy starts from around Rs. 10,000 per annum for a family of four, and the sum insured ranges from Rs. 3 lakh to Rs. 6 crore.

In terms of premiums, the cost of medical insurance policies varies based on the policyholder's age, health condition, and the sum insured. Generally, the premium for a family floater plan for a family of four starts from around Rs. 9,000 to Rs. 12,000 per annum for a sum insured of Rs. 3 lakh to Rs. 5 lakh.

The coverage offered by medical insurance policies in India includes hospitalization expenses, pre and post-hospitalization expenses, and day-care procedures. Some policies also cover critical illnesses, organ donor expenses, and daily cash benefits. The sum insured for medical insurance policies ranges from Rs. 3 lakh to Rs. 6 crore, depending on the policy and the premium.

In conclusion, there are a variety of medical insurance policies available in India, and choosing the best one depends on the policyholder's needs, budget, and health condition. The premium for medical insurance policies starts from around Rs. 9,000 to Rs. 12,000 per

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