In 2025, having a comprehensive health insurance is crucial due to rising medical costs and increasing lifestyle-related illnesses. Corporate insurance often falls short, providing limited coverage or inadequate protection.
The purpose of corporate health or life insurance plan is due to statutory requirements. Most of the corporate companies start cost cutting from life and health insurance is the employees by reducing the number of family members or reducing the coverage.
It is recommended to have a personal health insurance plan cover apart from corporate plan.
Here's why you need robust health insurance:
Key Benefits:
Financial Security: Health insurance ensures your savings aren't depleted by unexpected medical bills.
Quality Healthcare: It provides access to top medical facilities and specialists without financial strain.
Risk Mitigation: Health insurance helps manage financial risks associated with medical emergencies.
Tax Benefits: Premiums are eligible for tax deductions under Section 80D.
Advicer Support: Online buying may be easy but some of the times, the claims may get rejected due to some or the other reason because the call center executive might not have given the full information or enter all the information give by you.
Top Health Insurance companies in India:
HDFC ERGO: Features comprehensive coverage with 100% restoration benefit and free health check-ups.
ICICI Lombard: Offers family floater plans covering up to 5 family members.
Star Health: Offers comprehensive plans with AYUSH treatment coverage and 14,000+ network hospitals.
Care Health Insurance: Provides innovative plans with 24,800+ healthcare providers and coverage for advanced treatments like robotic surgery.
Niva Bupa: Offers customizable plans with coverage for ambulance charges, doctor consultations, and organ donors.
When choosing a health insurance provider, consider factors like claim settlement ratio, network hospitals, customer support, and coverage options etc.
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