Health Insurance in Chennai
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Health Insurance in Chennai
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Best Health Insurance Plans in Chennai

Why is buying the best health insurance in Chennai important? Let’s have a look at the health statistics of Chennai.

With increased cases of diabetes, hypertension, heart and kidney failures, and other life-threatening diseases, Chennai is prone to terminal and critical illnesses. According to a recent report published in The Hindu, these diseases are the reason to incorporate and improvise modern treatment facilities to health governing bodies, hospitals, and healthcare centres by 30% to retrieve the primary health of locals.

Chennai is known as the ’healthcare capital of India’, the city of doctors and a hub for affordable and the best healthcare services. More than 45% of individuals from abroad and 30-40% of domestic patients come to Chennai for treatment. As we all know, living in a metropolitan city like Chennai, you must be more careful of your health and overall well-being. However, increasing healthcare costs in these huge cities is not a secret. So, having a suitable health insurance policy can save your day.

To make you secure for the future, this page discusses the major benefits of buying health insurance in Chennai and what you should consider while investing in a health plan.

Which Type of Health Insurance Should I Buy in Chennai?

  • Individual health insurance

    Individual health plans such as NivaBupa ReAssure 2.0, Care Comprehensive, SBI Arogya Supreme , etc provide personalized health coverage and you need not worry about hefty medical bills as the policy is enough to over-utilise its benefits.
  • Family health insurance

    If you have a family of two, four, or more, it might feel heavy to buy individual health insurance plans. A complete coverage health insurance plan for your family can help them all get the best healthcare services under one plan, and it’s affordable too.
  • Critical illness health insurance

    Those who have a family medical history of critical illness/es, or who are prone to get one in future must buy a critical illness health policy. Critical illness insurance such as Niva Bupa CritiCare, and Care Critical Illness plans can save their day from exhausting all life’s savings.
  • Maternity health insurance

    Maternity health insurance plans like Care Joy, Niva Bupa Aspire, and Star Women Care policy cover all kinds of maternity expenses including delivery charges, newborn care cover, any pregnancy-related complications, etc. Hence, maternity health plans in Chennai can be a boon amid healthcare inflation.
  • Senior citizen health insurance

    Star Red Carpet Senior Citizen , Care Freedom, etc are the best-serving health insurance plans for your senior parents, buy them one and you’re good to go with taking care of them even if you’re not around.

What are the Benefits of Buying Health Insurance in Chennai?

What to expect?How can it help you?
Coverage for critical illnessHealth insurance plans like Niva Bupa CritiCare cover your medical bills against 20 critical illnesses and are a good investment for you
Preventive health check-upsKeeping track of how your body and overall health are doing will help you to prepare for an emergency health complication, plans like Care Advantage cover regular health check-ups
Trusted insurers & networking hospitalsSince Chennai is a well-developed and hi-tech city, several health insurance companies like Star Health have headquarters there with a wide network of hospitals to provide free healthcare and hospitalization services to its policyholders
Standard medical supportWhether you want help with an ambulance service, doctor’s consultation, hospitalization for treatment, or anything other emergency - all are covered by health insurance plans such as Niva Bupa Aspire, ManipalCigna ProHealth, Care Comprehensive, etc
Shared medical billsMultiple health insurance plans come with co-payment, deductible, and sub-limit clauses, meaning the treatment cost of healthcare expenses will no longer be a headache for you

Things to keep in mind while buying health insurance in Chennai

  • Know your health insurance needs
  • Check the waiting period
  • Read carefully the terms and conditions
  • Know well about your policy’s exclusions
  • Choose a high-sum insured policy
  • Assess the claim settlement record of the insurer
  • Opt for lifelong renewability health plans
  • Compare plans before buying one at PolicyX.com

Summing It Up

Getting into a health complication is no joke nowadays, everyone needs to get covered with a superior health insurance policy. We’ve suggested some of the best health insurance in Chennai if you are confused about which health insurance to buy.

You can also take guidance from the health insurance advisors of PolicyX.com at 1800 4200 269 and clear your doubts. Make an informed decision, and know which health insurance best suits your needs in Chennai.

Best Health Insurance Plans in Chennai

Considering the facts, here are some of the best plans to consider in chennai:

Individual and Family Health Insurance

ICICI Lombard Health AdvantEdge plan is a comprehensive health insurance plan designed to cater to all your health care needs. A family health insuran...

Unique Features

  • Global Cover
  • SI Upto 3 Cr
  • Air Ambulance Cover

AdvantEdge Plan (Pros)

AdvantEdge Plan
  • Restoration Benefit
  • Cumulative Bonus
  • Health Rewards
  • Domestic Air Ambulance

AdvantEdge Plan (Cons)

AdvantEdge Plan
  • OPD Cover
  • Second medical opinion
  • Modern treatment
  • IVF treatment cover

AdvantEdge Plan (Other Benefits)

AdvantEdge Plan
  • New Born Cover
  • Vaccine Cover
  • Maternity Cover
  • PED Cover
  • Personal Accident Cover

AdvantEdge Plan (Eligibility Criteria)

AdvantEdge Plan
  • Entry Age: 18 - 65 years
  • SI: 5 L to 3 Cr
  • Initial waiting period: 30 days

Senior Citizen Health Insurance

Niva Bupa Senior First is a senior citizen health plan packaged with features that give policyholders the assurance of good health at all times. So wh...

Unique Features

  • High-sum insured options
  • Rewards and loyalty benefits
  • Multiple plan variants

Niva Bupa Senior First Plan (Pros)

Niva Bupa Senior First Plan
  • High-sum insured options
  • Rewards and loyalty benefits
  • Multiple plan variants

Niva Bupa Senior First Plan (Cons)

Niva Bupa Senior First Plan
  • ICU charges not covered
  • OPD coverage not available
  • Second medical opinion not available

Niva Bupa Senior First Plan (Other Benefits)

Niva Bupa Senior First Plan
  • No sub-limits are applicable for common health conditions
  • Waive off co-payment on applying deductibles
  • No mandatory pre-issuance medical tests

Niva Bupa Senior First Plan (Eligibility Criteria)

Niva Bupa Senior First Plan
  • Min. Entry Age - 61 Years
  • Max. Entry Age - 75 Years
  • SI - 5 - 25 L
  • Initial Waiting Period - 30 Days

Individual and Family Health Insurance

Care Supreme is an extensive coverage health insurance plan that safeguards you and your family members without worrying about your future healthcare ...

Unique Features

  • Unlimited E-consultations
  • Automatic Restoration
  • Wellness Benefits

Care Supreme Plan (Pros)

Care Supreme Plan
  • Modern treatments
  • Renewal discounts
  • Unlimited e-consultation

Care Supreme Plan (Cons)

Care Supreme Plan
  • Illegal activities
  • alcohol abuse
  • obesity treatments

Care Supreme Plan (Other Benefits)

Care Supreme Plan
  • Ambulance cover
  • Doctor on chat
  • Maternity care

Care Supreme Plan (Eligibility Criteria)

Care Supreme Plan
  • Min entry age: 18 Years
  • Max entry age: No age limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

Individual and Family Health Insurance

A supersaver policy covering every family member. Star Family Health Optima is a strategically priced family health insurance plan. It offers comprehe...

Unique Features

  • Get coverage for the whole family
  • Additional SI for Road Traffic Accident
  • Coverage for Compassionate Travel

Star Family Health Optima (Pros)

Star Family Health Optima
  • No Pre-Policy Check-up
  • Lifelong Renewability
  • High SI available
  • COVID-19 cover
  • OPD covered

Star Family Health Optima (Cons)

Star Family Health Optima
  • PED cover not available
  • Obesity Treatment Unavailable
  • Hazardous Activities
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Family Health Optima (Other Benefits)

Star Family Health Optima
  • Long term discounts
  • Premium Payment flexibility
  • Health Check-up Cover
  • Domiciliary Hospitalization
  • Modern Treatment Cover

Star Family Health Optima (Eligibility Criteria)

Star Family Health Optima
  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Individual and Family Health Insurance

TATA AIG Medicare is a comprehensive health insurance plan that is specifically designed by keeping in mind the increasing cost of medical expenses. T...

Unique Features

  • Vaccination Covered
  • AYUSH Covered
  • Quick Claim Process

Tata AIG Medicare Plan (Pros)

Tata AIG Medicare Plan
  • Global coverage
  • 540+ day care treatments
  • Qualified nurse
  • Room rent
  • Organ donor

Tata AIG Medicare Plan (Cons)

Tata AIG Medicare Plan
  • Injury due to suicide attempt
  • Death due to drugs
  • STDs
  • Injuries due to breach of law

Tata AIG Medicare Plan (Other Benefits)

Tata AIG Medicare Plan
  • AYUSH benefit
  • Health checkup
  • Bariatric surgery cover
  • Vaccination cover

Tata AIG Medicare Plan (Eligibility Criteria)

Tata AIG Medicare Plan
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 3 L- 20 L
  • Waiting period- 30 days

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Best Health Insurance in Chennai: FAQs

1. Who can buy health insurance in Chennai?

Anybody who falls under the eligibility criteria can buy health insurance in Chennai to safeguard their health.

2. Can I buy health insurance if I already have a pre-existing condition?

Yes. There are multiple health insurance plans in Chennai like Aditya Birla Activ Health Platinum Essential insurance that cover PEDs.

3. Who’s eligible to buy health insurance in Chennai?

An individual who’s aged between 18 to 65 years is eligible for buying health insurance.

4. Can I cover my children under my health insurance policy in Chennai?

Yes, dependant children who are up to 25 years of age can be covered under your health insurance policy in Chennai.

5. Which is the best health insurance in Chennai?

Here are the top five best health insurance plans in Chennai: Niva Bupa Aspire Aditya Birla Activ Health Platinum Essential Care Advantage Star Comprehensive Plan ManipalCigna ProHealth Prime

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More Queries?

To know about the best health insurance plans in Chennai, network hospitals available, or have any other insurance-related query, call our advisors at 1800-4200-269!

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Simran Nirala

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.