Top 5 Long-Term Health Insurance Policy

In an era where medical costs are skyrocketing and the uncertainties of life are ever-present, investing in a comprehensive long-term health policy has become imperative. A long-term policy from the best health insurance company can help you cover medical expenses over a span of more than one year. Most of these policies have a tenure of 2-3 years. They ensure you are financially protected in case of a prolonged illness or disability.

 

This article will explore the top 5 long-term health policies that stand out in the market, offering a blend of extensive coverage and financial security.

 

Best Health Insurance Plans for the Long-Term

If you are looking for a comprehensive long-term plan from the best health insurance company, look no further than Niva Bupa. Read ahead for the top features of Niva Bupa's best health insurance plans:

 

ReAssure 2.0

The ReAssure 2.0 covers inpatient care, pre and post-hospitalisation expenses, domiciliary treatment, and preventive services, among others. Further, it offers the following unique features:

• ReAssure+ Benefit: Pay premiums as per your entry age (until you make a claim).
• Live Healthy Benefit: Get up to a 30% renewal premium discount on the number of steps taken.
• REASSURE Forever: The first claim paid triggers ReAssure "Forever". Each Claim under ReAssure "Forever" will be up to the sum insured.
• Health Check-up: Avail health check-ups for all insured members starting from Day 1.
• BOOSTER+: Carry forward the unused sum insured up to 10 times the base cover.

 

Health Companion

The policy covers inpatient expenses, where admission of 2 hours or more would be considered hospitalisation. It also covers expenses 60 days before hospitalisation and 180 days post-discharge. Here are the top features of the Health Companion plan:

• No Room Rent Capping: The policy covers all hospital accommodations without any room rent capping.
• All Daycare Treatments Covered: Your health plan will cover a host of daycare procedures.
• Emergency Ambulance: The policy covers the cost of ground ambulances up to ₹ 2000 and air ambulances up to ₹2,50,000 per hospitalisation.
• Any Age Enrolment: Get healthcare insurance at any age. At the time of renewal, a newborn (at least 91 days) can also be added to your plan.
  
  

Health Premia

The Health Premia is one of the best health insurance policy in India. It provides coverage up to ₹3cr for you & your insured family members' hospitalisation. Key features of the Health Premia insurance plan are:

 

• Maternity & Newborn Coverage: No additional premium for covering a newborn baby from day one till policy year-end.
• New-age Treatment Coverage: Coverage for new-age treatments like laser-assisted surgery & more.
• International Coverage: Insure your health even when you travel abroad under the platinum plan.
• Inbuilt Travel Insurance: Coverage for loss of checked-in baggage, trip cancellation & more.
  
  

GoActive

The GoActive plan encourages policyholders with benefits such as the Health Coach facility. With this feature, you can talk to a personal health coach & achieve your health goals daily. Other benefits are:

• Daycare Treatments: Get coverage for procedures that don't need hospitalisation.
• Early Age AdvantAGE: Avail a lifetime discount of 10% if you buy at or before 35 years of age.
• OPD Consultations: Stay worry-free as the plan covers up to 10 doctor consultations.
• No Room Rent Sub-limit: Covered for rooms(except suite or above) for sum insured ₹5 lakhs & above.
  
  

Money Saver

In addition to offering a no-claim bonus, daily hospital cash of up to ₹1,000, and e-consultation assistance, the Money Saver plan offers the following benefits:

• Renewal for Life: The policy assures you lifetime renewability with no extra loadings based on your claim history.
• Alternative Treatments: Get cover for inpatient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to the sum insured.
• Free Look Period: Have the freedom to cancel the plan within 15 days of purchasing and receive a refund.
  
  

To Sum Up

The top 5 long-term health policies discussed in this article offer holistic coverage, flexibility, and customer-friendly features. Before making a decision, it is essential to carefully assess your healthcare needs, compare policy features, and choose a policy that aligns with your long-term health and financial goals. Remember, a well-chosen long-term mediclaim policy from the best health insurance company is a valuable investment in your future well-being.

 

With Niva Bupa's top plans, you can also benefit from cashless treatment at 10,000+ network hospitals. You can thus avail of timely treatment at modern healthcare facilities without incurring out-of-pocket expenses. Moreover, Niva Bupa offers a seamless claim processing facility. There are no third-party agents involved in the process. You can get your claims processed painlessly by our customer service team directly.

 

Check out more details about our plans from our website.