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Showing 23 of 23 plans

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ICICI Lombard Health AdvantEdge

Fair
4.8
Beshak Rating

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No room rent limit

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All day care procedures

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Consumables coverage

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HDFC Ergo Optima Secure

Expensive
4.5
Beshak Rating

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No room rent limit

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All day care procedures

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2X cover from Day 1

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Aditya Birla Activ Fit (Preferred)

Fair
4.4
Beshak Rating

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No room rent limit

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All day care procedures

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Consumables coverage

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Based on a sophisticated relative scoring methodology designed by our in-house experts. Measures across 100+ relevant metrics from Claims to Service to Product.
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Niva Bupa ReAssure 2.0 (Titanium+)

Fair
4.3
Beshak Rating

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No room rent limit

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All day care procedures

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Fixed premium till you claim

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HDFC Ergo Optima Restore

Expensive
4.3
Beshak Rating

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No room rent limit

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All day care procedures

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Consumables coverage

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AB Activ Health Platinum (Enhanced)

Fair
4.3
Beshak Rating

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No room rent limit

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586 day care procedures

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Cashless home treatment

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Aditya Birla Activ Assure Diamond

Economical
4.2
Beshak Rating

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No room rent limit

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586 day care procedures

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Consumables coverage

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Manipal Cigna PH Prime (Advantage)

Expensive
4.1
Beshak Rating

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No room rent limit

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All day care procedures

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Consumables coverage

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Manipal Cigna PH Prime (Protect)

Fair
4.1
Beshak Rating

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No room rent limit

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All day care procedures

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Consumables coverage

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Tata AIG MediCare Premier

Fair
4.1
Beshak Rating

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No room rent limit

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All day care procedures

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Consumables coverage

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Reliance General Health Gain (Power)

Fair
4.0
Beshak Rating

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No room rent limit

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All day care procedures

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Reduced PED waiting period

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Care Insurance Care Supreme

Fair
4.0
Beshak Rating

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No room rent limit

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All day care procedures

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NCB up to 600%

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Star Health Assure

Fair
3.9
Beshak Rating

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Any room except Suite

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All day care procedures

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Consumables coverage

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Niva Bupa Health Companion

Fair
3.9
Beshak Rating

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No room rent limit

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All day care procedures

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Health check-up from day 1

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Manipal Cigna ProHealth (Plus)

Fair
3.9
Beshak Rating

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Any room except Suite

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546 day care procedures

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NCB up to 200%

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Bajaj Allianz Health Guard (Gold)

Economical
3.8
Beshak Rating

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No room rent limit

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399 day care procedures

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Organ donor expenses cover

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Royal Sundaram Lifeline (Supreme)

Economical
3.8
Beshak Rating

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No room rent limit

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All day care procedures

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Organ donor expenses cover

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Tata AIG MediCare

Fair
3.8
Beshak Rating

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No room rent limit

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541 day care procedures

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Consumables coverage

Why should I pick this plan?

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Manipal Cigna ProHealth (Protect)

Fair
3.8
Beshak Rating

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Any room except Suite

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546 day care procedures

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NCB up to 200%

Why should I pick this plan?

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Bajaj Allianz Health Guard (Platinum)

Fair
3.8
Beshak Rating

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No room rent limit

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399 day care procedures

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Organ donor expenses cover

Why should I pick this plan?

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Star Health Comprehensive

Expensive
3.6
Beshak Rating

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Any room except Suite

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All day care procedures

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Consumables coverage

Why should I pick this plan?

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Care Insurance Care

Fair
3.5
Beshak Rating

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Single private AC room

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541 day care procedures

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Consumables coverage

Why should I pick this plan?

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New India Floater Mediclaim

Economical
1.7
Beshak Rating

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Up to 1% of SI per day

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139 day care procedures

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Spouse's mid-term inclusion

Why should I pick this plan?

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Notes
  1. The health insurance data was last updated in June 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (FY 2022-2023), IRDAI annual report (2021-22), insurer websites, and the IRDAI website. 
  2. For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.
  3. We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service. 
  4. Affordability assessment of plans: 
    • The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1 opting for a cover of ₹10 Lakhs. And, the premiums are as of 31st June 2023.
    • The affordability of Care Freedom Plan is assessed using premiums for a 30-year-old male residing in Zone 1 opting for a cover of ₹5 Lakhs. And, the premiums are as of 31st June 2023.
  5. The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans. 
  6. Only those hidden and special conditions that apply to the benefits and features we have considered are included in the product pages. 
  7. The product pages only include the most significant specific exclusions under each plan.
  8. The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).
  9. If the policy wording, brochure, or prospectus state that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.
  10. The response time on Twitter (Beta) was calculated using a sample set of tweets from April, May, and June 2022 (analyzed in August, September, and October 2022). 
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Health insurance is an essential aspect of financial planning. It provides you with the necessary coverage and financial support in times of medical emergencies. However, the complexity of the terms and conditions, combined with the use of jargon and fine print, can make it difficult to understand your policy and lead to confusion and stress. 

The Department of Consumer Affairs highlighted this problem of fine print and jargon in a press release on 8th February 2023, calling it a key reason for customer complaints. 

The Challenge Of Finding The Right Health Insurance

Health insurance is supposed to relieve us from anxiety about health care expenses, but instead, the fine print often causes even more anxiety. 

Choosing the right health insurance plan involves a careful evaluation of several factors. You must consider your needs, budget, coverage, as well as understand what the plan covers, does not cover, its limitations, terms and conditions, etc However, with so many health insurance plans available in the market, each with its own set of features, exclusions, terms, and conditions, it's easy to become overwhelmed when making a choice. As a result, evaluating the various aspects of each plan can be time-consuming, and finding the top health insurance plan can require a lot of effort. 

Enter - Beshak Health Insurance Decoder!

Beshak Health Insurance Decoder is Beshak's initiative to simplify your health insurance experience. It aims to demystify the complicated world of health insurance by breaking down the jargon and decoding fine print.

Get Expert Reviews On Top Health Insurance Plans With Beshak Health Insurance Decoder

Beshak Health Insurance Decoder provides expert reviews on top health insurance plans and helps you make well-informed decisions. 

You no longer need to worry about jargon, fine print, confusing exclusions, or complex terms and conditions. Our research team has gone through the policy wordings, prospectus, and brochures on top health insurance plans and identified all the terms and conditions that can impact your coverage. So, you can get a clear, concise, and easy-to-understand review of top health insurance plans, and make the best decision for yourself and your loved ones. 

Key Highlights Of Beshak Health Insurance Decoder

✅Deciphers complex terms and conditions

  • Health insurance policies come with a lot of terms and conditions that can be confusing, even for those who are financially literate. Decoder deciphers the fine print of health insurance policies, breaking down the complex terms and conditions into simple, straightforward language. 

✅Helps make informed decisions

  • Decoder gives you a clear understanding of everything, from the product's benefits, exclusions, and limitations to the insurer's customer service, claims experience, and more. It also gives you an unbiased evaluation and analysis of the product, enabling you to make confident, well-informed decisions.

✅Saves time and effort

  • Decoder is designed to be user-friendly and efficient, so you don't have to spend hours reading through policy documents to understand your policy.

✅Enhances the health insurance experience

  • By breaking down the jargon and providing clear and concise explanations, Decoder enhances your health insurance experience and makes it much less stressful.

Step-By-Step Guide To Getting Expert Reviews On Top Health Insurance Plans With Decoder

👉🏻Choose an insurer and health insurance plan to decode

  • The very first thing you need to do is select the insurance company and the health insurance plan you want to decode.

👉🏻Get an expert review of the chosen plan

  • When you click on ‘Decode now’, Beshak Health Insurance Decoder will provide an expert review of the health insurance plan you select. With this, you can get a basic idea about the plan’s coverage features, benefits, and pricing, as well as the insurer's purchase and claims track record. 

👉🏻Understand the plan’s top pros and cons

  • In addition to the expert review, Beshak Health Insurance Decoder also provides a detailed list of the health insurance plan's top pros and cons. This can help you understand the benefits of the plan, as well as any limitations or drawbacks that you may need to consider before making a decision.

👉🏻Find out what the plan doesn’t cover

  • Every health insurance policy comes with specific exclusions, which can have a significant impact on your coverage and out-of-pocket expenses. Hence, it is essential to be aware of them upfront to avoid any unpleasant surprises later on. Beshak Health Insurance Decoder offers a detailed list of specific exclusions for the top health insurance plans. So, you can gain a comprehensive understanding of what the top health insurance plans don’t cover.

👉🏻Uncover the hidden conditions

  • It is important to understand all the conditions associated with your health insurance coverage. However, some of these conditions may be hidden in the policy's fine print, making them challenging to find and understand. Beshak Health Insurance Decoder goes above and beyond to uncover any hidden conditions that might exist. Our research team has scrutinized every aspect of the policy, looking for any loopholes or conditions that might impact your coverage. You can get access to the hidden conditions by simply registering or signing in to our website.

👉🏻Learn about the top-notch benefits of the plan

  • Beshak Health Insurance Decoder provides in-depth insights into the top benefits available with health insurance plans. Whether the benefit is a built-in feature or available as an add-on, the financial limits associated with the benefits, and more - it tells you everything!

👉🏻Discover the limits and exclusions

  • Beshak Health Insurance Decoder goes the extra mile to provide you with comprehensive information about the limits and exclusions - along with expert reviews on top health insurance plans. You will get to know everything from the length of waiting periods for pre-existing and specific diseases, to whether the plan has a copay, deductible, or limits on certain treatments that can impact your out-of-pocket expenses and more.

👉🏻Know the quality of the insurer’s customer service

  • Beshak Health Insurance Decoder also tests the service infrastructure of insurance companies to assess the quality and speed of their service.

👉🏻Understand how the insurer handles claims

  • It is important to look beyond the claim settlement ratio to gain a more comprehensive understanding of an insurance company's performance. This includes factors such as their claims incurred ratio, the speed at which they settle claims, the number of complaints they receive, etc. With Beshak Health Insurance Decoder, you can get a more holistic view of the insurer's overall experience with claims.

As you can see, Beshak Health Insurance Decoder offers more than just expert reviews on top health insurance plans. So why wait? Let Beshak Health Insurance Decoder be your guide to decoding and simplifying the complex world of health insurance. ❤

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Meticulous research processes and unbiased analysis backed by credible industry veterans - to give you insights you can trust.
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