Archive · 9 Aug 2025
Health Insurance: Feature Shopping and Expanded Covers
Health insurance is like shopping for different features and add-ons.
Companies offer different plans, like those that cover maternity or people with existing health problems.
Some plans help pay for things like hospital supplies and doctor visits.
Many companies now offer big coverage amounts, like ₹1 crore or even ₹5 crore.
Choosing a plan means figuring out what you need most and finding the best option.
If you have a specific need, you should prioritize it when picking a health insurance plan.
Health insurance companies offer various features and riders to cater to healthcare needs.
Maternity cover is available, often with waiting periods, with options from Tata AIG and Niva Bupa.
Policies target individuals with pre-existing conditions, such as high BP or diabetes, with specific plans from Star Health and Care Health.
Consumables and OPD expenses are addressed as add-on riders; Aditya Birla, Niva Bupa, and Manipal Cigna offer these.
Expanded covers, including ₹1 crore and ₹5 crore options, are now available from various insurers.
- Who
- The article is targeted towards potential health insurance policyholders.
- What
- An overview of health insurance features and available options.
- When
- Published on August 9, 2025.
- Where
- The article does not specify a location.
- Why
- To inform consumers about various health insurance options and help them make informed decisions.
- Tata AIG Maternity Cover
- ₹60,000 with a 4-year waiting period.
- Niva Bupa Health Premia Maternity Cover
- ₹40,000 after a 2-year waiting period.
- Star Health Comprehensive Plan
- Targets patients with high BP.
- Manipal Cigna Lifetime
- Targets cancer care Worldwide, rider cost ₹9,500.
- Aditya Birla Activ One Max
- Covers consumables in the base policy.
- ICICI Pru Elevate Combo
- Offers ₹5 crore cover, cost ₹15,000 for a 40-year-old male.