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Health Insurance For Young Adults: An Overview
Health insurance policy has become one of the most necessary assets for all, whether you are a young adult or an ageing individual. Given that the health conditions of almost half of the global population are not upto the mark and you could get a serious medical challenge unexpectedly. Ain’t it better to be prepared for an upcoming health issue than regretting it later?
The best health insurance for young adults in India is the only way to be covered for medical expenses which are usually expensive. Also, it covers all sorts of medical expenses ranging from hospitalization to maternity, OPD expenses to home care treatment, etc.
This page discusses all about health insurance for adults, read further to know more about the same.
Best Health Insurance For Young Adults in India
| Plan Name | Sum Insured | Entry Age | Standout Features |
|---|---|---|---|
| Niva Bupa Aspire | 3 L - 1 Cr | 18 - 46 years | It covers a wide range of advanced treatments like IVF, surrogacy, health checkups, OPD, wellness care, domiciliary treatment, pre and post-hospitalization, etc |
| Star Health Assure | 5 L - 2 Cr | 18 - 75 years | Avail of assisted reproduction treatment, home care treatment coverage, along with other major benefits |
| Aditya Birla Activ Health Platinum Enhanced | 2 L - 2 Cr | 18 years - No limit | Insured individuals get chronic care management programs, modern treatment, mental illness and obesity control treatment, etc |
| ManipalCigna ProHealth Prime | 3 L - 1 Cr | 18 years - No limit | Offers Better Coverage, Better Control and Better Care to enhance your health insurance coverage experience |
| Care Supreme | 7 L - 1 Cr | 18 - 99 years | Provides unlimited automatic sum insured restoration, unlimited health e-consultations, and health services |
| Niva Bupa CritiCare | 3 L - 3 Cr | 18 - 65 years | Covers over 20 listed critical illnesses with a lump sum payout option of upto 100% |
| Future Generali Health PowHer | 5 L - 1 Cr | 18 - 65 years | Specially designed for women offering holistic health and wellness care, from routine check-ups, wellness programs, nutritional counselling, and mental health support which promotes a balanced and healthy lifestyle |
| Star Women Care | 5 L - 1 Cr | 18 - 75 years | Bariatric surgery covers, optional cancer care, rehabilitation and pain management care, and other women-related coverage benefits |
Key Takeaways
- Buying adult health insurance at a younger age has become mandatory with time, as a medical emergency can hit you anytime.
- Health insurance for adults has a minimum entry age limit of 18 years and above.
- Niva Bupa Aspire, Aditya Birla Activ Health Platinum Enhanced, Care Supreme, and Star Health Assure are some of the best health insurance plans for young adults.
- Buying a health insurance policy at a young age can help you save more on premiums, plan your finances well, avail yourself of tax benefits, and more.
Things to Consider While Buying Health Insurance for Adults
Waiting period
Learn about the waiting periods of health insurance plans like the initial, specific illness, critical illness, maternity care, and others. Without surpassing this waiting period, you will not be able to claim your policy.Hidden clauses
Clauses in the terms and conditions of your health insurance policy such as co-payment, co-insurance, deductibles, etc add up to some out-of-pocket expenses when hospitalized. To avoid this hassle, you should check your policy documents carefully.Claim process and CSR
The maximum health insurance benefits come when the insurer has a high claim settlement record and offers an easy claim process. It will help you receive a cashless treatment facility when it’s required in times of emergency.Sub-limits
The other factor to check before investing in the best health insurance policy is sub-limits related to room rent, ICU charges, daycare procedures, modern treatment care charges, and other medical expenses, as sub-limits will decide how widely you will be covered against a medical emergency.Coverage options
Check the policy’s inclusions (what’s covered) thoroughly to check if it covers all sorts of medical expenses such as ambulance services, hospitalization, specified illnesses, other add-on covers, etc or not.Additional benefits
Have a look at the add-on covers and additional riders that your adult health insurance provides, as it will help you get coverage for pre-existing conditions, maternity, newborn care, critical illnesses, accidental care, and so on.
Long Story Short
Adult health insurance plans are designed to cover major healthcare facilitations ranging from OPD, hospitalization, daycare procedures, critical illness and accidental protection, to maternity and other benefits. Additionally, if you buy a health insurance policy at an early age like over 18 years of age, the monthly payable premiums are comparatively lower than overage insured individuals.
To know more about the best health insurance plans for young adults in India, call us at 1800-4200-269 and get a free consultation for buying adult health insurance.
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Health Insurance For Young Adults : FAQs
1. What is the right age to buy health insurance?
If you are an adult, the right time to buy health insurance is when you’re eligible for the same, typically 18 years is the minimum age limit to buy an individual health insurance.
2. Should I purchase adult health insurance even if I have health insurance from my employer?
Employer health insurance plans may not cover you for serious or critical health challenges, hence it’s necessary to have an individual health policy that offers you maximum and a wide range of healthcare coverage benefits.
3. Which is the best health insurance plan for young adults in India?
There are several health insurance plans in India for young adults like; Niva Bupa ReAssure 2.0, Niva Bupa Aspire, Star Health Assure, ManipalCigna ProHealth Prime, etc.
4. Can I buy health insurance for my family if I’m young?
Yes, if you’re equal to or more than 18 years old and a salaried member of the family, then you can buy a family floater health plan to cover all the members.
5. What is the minimum age limit for buying a health insurance policy?
The minimum age limit to buy health policy is 18 years.
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Written By: Simran Nirala
Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.
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