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- Health insurance helps cover eligible medical expenses and reduces the financial burden of unexpected hospitalisation.
- Individual health insurance provides a separate sum insured for one person, while family floater insurance shares coverage among eligible family members.
- Health insurance policies may include hospitalisation, pre- and post-hospitalisation expenses, restoration benefits, and home healthcare.
- Before buying health insurance in Rajasthan, check the sum insured, premium, waiting periods, exclusions, and cashless hospital network.
A sudden medical expense can put a lot of pressure on your savings, especially when either you or someone in your family needs urgent hospital treatment. A good health insurance policy can help you cover medical costs and make it easier to manage the bills.
If you are looking for health insurance in Rajasthan, you can find several plans with different coverage options, benefits, and premiums. In this article, we will help you choose the right health insurance policy for you and your family.
- Popular Health Insurance in Rajasthan from Different Insurers
- Top 5 Health Insurance Plans for Individuals and Families in Rajasthan
- Government Health Schemes in Rajasthan
- What is the Difference Between Individual and Family Health Insurance?
- How to Choose the Best Health Insurance Provider in Rajasthan?
- Conclusion
- FAQs
Popular Health Insurance in Rajasthan from Different Insurers
These are some of the popular insurance plans in Rajasthan:
| Plan or scheme | Parent company | Claim Settlement Ratio (CSR) | Coverage type | Key benefits and features |
|---|---|---|---|---|
| HDFC ERGO Optima Secure | HDFC Bank Limited | 86.90% | Individual and family floater | Additional cover benefits, no room-rent capping and pre- and post-hospitalisation cover. |
| ICICI Lombard Elevate | ICICI Bank Limited | 82.59% | Individual and family floater | Reset benefit, customisable add-ons, AYUSH hospitalisation and options for maternity and chronic disease management. |
| TATA AIG Medicare Premier | TATA AIG | 75.56% | Individual and family options | Planned hospitalisation abroad, high-end diagnostic tests, maternity benefits and outpatient treatment, subject to policy terms. |
| Care Supreme | Care Health Insurance Limited | 88.06% | Individual and family floater | Unlimited automatic recharge, cumulative bonus, pre- and post-hospitalisation cover, AYUSH treatment, and no sub-limits on covered treatments |
| Aditya Birla Activ One MAX | Aditya Birla Capital Ltd. | 94.52% | Individual and family floater | Wellness-related benefits, health management features and optional coverage benefits. |
| Mukhyamantri Ayushman Arogya Yojana (MAA) | Rajasthan Government | N/A | Eligible registered families | Cashless treatment for covered procedures at government and empanelled hospitals, subject to eligibility and scheme rules. |
| Rajasthan Government Health Scheme (RGHS) | Rajasthan Government | N/A | Eligible government employees, pensioners and other notified beneficiaries and dependants | Cashless hospitalisation, eligible OPD medicines, diagnostic services and access to empanelled healthcare providers. |
Top 5 Health Insurance Plans for Individuals and Families in Rajasthan
These are some of the top health insurance plans from the best insurance providers in Rajasthan:
1HDFC ERGO Optima Secure
This plan offers both individual and family floater options. It offers additional coverage through its Secure, Plus, and Restore benefits. This plan is perfect for people who want broad hospitalisation cover
Key features
- Pre- and post-hospitalisation - You get 60 & 180 days pre and post-hospitalisation medical expenses covered.
- Daily Hospital Cash - Get daily cash of ?800 per day up to a maximum of ?4800 on hospitalisation, as out-of-pocket expenses
- Emergency Air Ambulance - The plan covers eligible air ambulance expenses up to ?5 lakh,
- Home Healthcare - The plan covers eligible medical expenses for home healthcare when a doctor recommends treatment at home.
2ICICI Lombard Elevate
This policy offers flexible cover options and additional benefits that you can select according to your needs. This policy provides an unlimited reset of the sum insured.
Key Benefits
- Power Booster (Super Loyalty Bonus) - This provides a cumulative bonus of up to 100% of the annual sum insured for each policy year.
- Worldwide Cover - You can get overseas hospitalisation coverage of up to ?3 crore, including planned treatment.
- Jumpstart - You can reduce the waiting period to 30 days for certain declared conditions, such as diabetes, asthma, and hypertension
- Maternity and Newborn Cover - Offers optional benefits for maternity expenses, newborn care, and eligible vaccinations.
3TATA AIG Medicare Premier
This plan offers features such as cover for eligible home-care treatment, planned hospitalisation abroad, high-end diagnostic tests, and outpatient treatment. This is suited for people who want more than basic hospitalisation cover.
Key Benefits
- High-End Diagnostics - The cost of high-end Diagnostic tests is covered by the insurer
- Up to INR 25,000 (for SI up to 50 Lacs)
- Up to INR 50,000 (for SI 75 lacs and above)
- Organ Donor - If you require an organ, the insurer will cover the medical and surgical expenses incurred to harvest the required organ.
- Domiciliary Treatment - If the insured individual requires treatment at home for more than three days, the insurer will cover the cost.
- Bariatric Surgery - The insurer will cover bariatric surgery to help deal with obesity
4Care Supreme
Care Health Insurance offers individual and family floater health insurance options. It is suitable for individuals and families who are looking for comprehensive medical coverage with additional benefits.
Key Benefits
- Cumulative Bonus Super - It boosts your Sum Insured to 7x in five years, even if you claim.
- Unlimited Automatic Recharge - The sum insured can be replenished an unlimited number of times during the policy year.
- Renewal Discounts - Eligible policyholders may receive discounts of up to 30% on renewal premiums
- Pre- and Post-Hospitalisation - Covers eligible medical expenses incurred up to 60 days before and 180 days after hospitalisation.
5Aditya Birla Activ One MAX
This Policy combines health insurance coverage with wellness-related benefits. It offers both individual and family floater options.
Key Features
- HealthReturns - You can earn up to 100% of the premium as HealthReturns by meeting the health and fitness requirements of the plan.
- Super Credit - It increases the base sum insured by 100% at each renewal, irrespective of claims, up to the specified maximum.
- Super Reload - It provides unlimited refills of the base sum insured when the available coverage is exhausted or insufficient.
- Mental health and AYUSH cover - It includes eligible mental health treatment and AYUSH treatments,
Government Health Schemes in Rajasthan
The Rajasthan government also runs different health schemes to help people in Rajasthan with their medical expenses. RGHS mainly supports government employees and pensioners, while MAA Yojana helps families access cashless treatment.
1Rajasthan Government Health Scheme (RGHS)
The Rajasthan government launched RGHS in 2021 to provide healthcare benefits to eligible government employees, pensioners, and their registered family members.
Key benefits of RGHS:
- It covers cashless treatment at government and empanelled private hospitals.
- It helps eligible members access medicines and diagnostic tests.
- It extends healthcare benefits to registered dependents under scheme rules.
2Mukhyamantri Ayushman Arogya Yojana (MAA Yojana)
The MAA Yojana helps families in Rajasthan receive cashless treatment for covered medical conditions at government and empanelled private hospitals.
Key benefits of MAA Yojana:
- Eligible families in specified categories can get free coverage. Other families may have to pay ?850 per year.
- This scheme offers coverage of up to ?25 lakh per family annually.
- Families can receive treatment for covered procedures at government and empanelled private hospitals.
What is the Difference Between Individual and Family Health Insurance?
An individual health insurance in Jaipur provides coverage to only one person, while a family floater policy lets all the eligible family members share one sum insured. Let’s compare:
| Feature | Individual health insurance | Family floater insurance |
|---|---|---|
| Who is covered? | One person per cover | Multiple eligible family members |
| Sum insured | Separate cover for each insured person | One shared cover |
| Premium | Depends on age, health, and cover | Depends on family details and cover |
| Suitable for | Individuals who want dedicated cover | Couples and families |
| Main point to consider | Each person needs their own cover | One large claim can reduce the cover available to others |
For example, if a family floater has ?10 lakh cover and one member uses ?6 lakh for treatment, only ?4 lakh remains for other eligible claims, unless a restoration benefit applies under the policy.
How to Choose the Best Health Insurance Provider in Rajasthan?
The best health insurance provider in Rajasthan for you is one that offers suitable cover within your budget. Do not choose a policy based on its premium alone.
Check these points before you buy:
- Sum insured - Choose a coverage amount based on your family needs
- Premium - Always check if the premium fits your budget.
- Waiting periods - Some illnesses and pre-existing conditions are covered only after a set period.
- Exclusions - Always read the list of treatments and expenses the policy does not cover.
- Co-payment and room limits - Check whether you must pay part of a claim or whether room charges have a limit.
- Cashless hospitals - Check the current hospital network of the insurer in your city.
- Claims & Renewal terms - Always check the claim process, renewal conditions, and customer support
If you are planning to get family health insurance in Jaipur, Square Insurance can make this a lot easier. Square Insurance is a platform where you can compare different insurance policies and get expert advice before buying one.
Conclusion
The right health insurance plan can help you manage a sudden medical expense without putting too much pressure on your savings. If you are planning to buy health insurance in Rajasthan, you should always compare different insurance plans.
Always check the premium, coverage, waiting periods, exclusions, and cashless hospital network. Choose a plan that suits your needs and budget. You can also check government health schemes in Rajasthan to see if you qualify for their benefits.
FAQs
Yes, some health insurance plans cover pre-existing diseases after a specified waiting period. Every policy has a different waiting period and conditions.
Mukhyamantri Ayushman Arogya Yojana is a Rajasthan government scheme that provides cashless treatment to eligible families at approved hospitals for covered medical procedures.
Individual health insurance provides a separate sum insured for one person. Family floater health insurance covers multiple family members under one shared sum insured.
You can buy health insurance online through the Square Insurance website and app.
The popular options include HDFC ERGO Optima Secure, ICICI Lombard Elevate, TATA AIG Medicare Premier, Care Supreme, and Aditya Birla Activ One Max.
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