Best health insurance for 21 year old with no medical history ?

You can definitely consider Niva (Max) Bupa Reassure plan apart from Reassure you can also think HDFC Optima Restore plan

Below are the features of Niva Bupa Reassure

• The restoration feature (that restores the coverage amount if it exhausts during the year due to a large claim) works irrespective of whether the previous claim that exhausted the coverage was for a related illness or not. This benefit in effect provides you double coverage for the same price, provided you do not have any claim more than your base sum insured.

• No Claim Bonus: 50% every year - up to 100%, compared to 20% in Health Companion, up to 100%.

• Safeguard Add-on Benefit: That covers consumables expenses, that are otherwise excluded from health insurance. Besides this, it provides an additional bonus cover every year based on the inflation calculated in the previous year.

• Pre & Post Hospitalization covered up to 60/180 days in Reassure, compared to 30/60 days in Health Companion.

• Coverage for Air Ambulance in ReAssure - this is not covered under Health Companion.

Hi Udbhav,

You can think of Niva Bupa Reassure, because of unlimited restoration benefits and no claim bonus, the product is a good choice, premiums are comparatively low while comparing it with other similar products in the market

You can schedule a call with us too for free consultation