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Tuesday, 10 September 2019

How to Choose the Best Health Insurance Policy in India

What is Health Insurance?



A health insurance policy is a type of insurance that offers coverage for the medical and surgical expenses incurred by the policyholder when he/she is hospitalised during the policy period.

Health insurers, today, also provide coverage for day care hospitalisation, pre-hospitalisation, and post-hospitalisation. The expenses incurred are either reimbursed to the insured individual or are paid to the healthcare provider directly.

On one hand, issues with health have become unavoidable, thanks to changes in the environment and lifestyle over the past few decades. Leading a healthy lifestyle doesn’t guarantee a healthy body any more. On the other hand, medical costs have skyrocketed, which can leave you in a dire situation if you aren’t prepared. Health insurance has gained importance in today’s world due to these reasons. It is a smart investment to make but requires a bit of research to ensure the plan is affordable, offers good coverage, and will pay out sufficiently when needed.

How Does Health Insurance Work?

Health insurance covers whole or part of the medical expenses incurred by the life insured during the policy term. Over 30 health insurance products are offered by numerous private and public sector health insurance companies in India. The 4 main type of health insurance plans are mediclaim, critical illness cover, hospital cash plan, and personal accident insurance.

Individual or group health insurance: Before purchasing a health insurance policy, assess your insurance needs and decide whether you require an individual health insurance plan or if insurance coverage from a group health insurance plan will suffice.

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Family Floater Plan: Floater option comes in handy if you want to provide health cover for your entire family under a single policy. The sum assured is shared by all the insured members which can include self, spouse, children, and parents.

Insurance coverage: The extent of financial protection an insurer is ready to pay for medical services covered under the policy is called insurance coverage. The best health insurance policy is one that offers adequate health cover at affordable premium.

Buying a policy online: Compare the features and benefits of various policies on a comparison website, select the one that best serves your need, get an instant quote on the chosen policy, calculate the insurance premium using the online premium calculator, purchase the insurance policy through the insurer’s website. Payment can be made via net banking, credit card or debit card.

click here to get insurance..

Here’s Why You Need a Health Insurance Plan

As the medical expenses have increased drastically, one single hospitalisation is enough to wipe out all your life's savings. It will leave you stunned to find out how these small expenses ruin you financially. With a health plan, you can bear these costs to some extent.

The reason you need a health plan is quite evident, once you consider the following:

Protects and prepares you to face any unplanned medical expenses.

Bears the high-cost medical expenses on your behalf
The premiums of health insurance plans are comparatively less.

Best health insurance policy in India always provides coverage for medical expenses in an extensive manner.

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The claim process is simple and hassle-free with most of the insurers.

Less chances of your claim being rejected with a trusted insurer.

click here to get insurance..

Things to Consider Before Buying a Health Plan.
  • Premiums
  • No Claim Bonus
  • Waiting period to be served for pre-existing ailments
  • Co-payment
  • Is there any waiting period for specific illness
  • Incurred claim settlement ratio
  • Maximum renewal age period
  • Critical Illness add-on option
  • Network hospital

Here are some  health insurance plans in India you may consider

1.Apollo Munich Easy Health

Among various offerings of Apollo Munich Health Insurance, Apollo Munich Easy Health has come out as the best one among others. A person should consider this to secure his/her health. There are multiple benefits that Apollo Munich Easy Health offers such as:

• This plan offers in-patient treatment which is helpful to get the cover against hospitalization expenses for time period of more than 24 hrs.

• Provides pre-hospitalization cover through which you can get cover against the medical expenses that take place in 60 days before the hospitalization. While the post-hospitalization provide coverage for medical expenses incurred during post-hospitalization.

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• 144 types of Day-Care medical expenses

• Domiciliary Treatment Expenses which is a beneficial feature of this plan allows you to avail medical treatment at home which would otherwise have required hospitalization are also covered under the plan.

These features make this plan as one of the best options available in the market.

click here to get insurance..

2. ICICI Lombard Complete Health Insurance- iHealth

ICICI Lombard Complete Health Plan is referred to be the best plans among other health insurance plans which are offered by this insurance company.

• This plan comes out with several beneficial features such as -cashless hospitalization, free health check-up, tax benefit, free look period of 15 days, emergency ambulance cover and much more. It offers the lifelong renewalability option. In addition to treatment expenses and hospitalization expenses, this policy also covers expenses incurred due to daycare procedures.

One can enjoy a cashless facility at all cashless network hospitals under this plan.

3. Religare Health Insurance- Care

Religare care is a comprehensive health insurance plan that safeguards you & your family against financial risks arising out of a medical emergency. Religare care provides multiple numbers of benefits for the customers.

• It provides coverage for expenses related to room rent, day care procedures, ICU charges, domiciliary expenses, ambulance charges, pre/post-hospitalization expenses and medical check-ups.

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• Domiciliary Hospitalization- This plan provides coverage against medical expenses incurred during your treatment at home for a period exceeding 3 consecutive days. So nothing should delay the treatment you deserve.

• All plans by Religare including 'care', come out with no upper age limit of enrollment i.e. even if a person is 100 years old, can apply for coverage.



4. Bajaj Allianz Health Guard

Bajaj Allianz Insurance Company has come out with several innovative and comprehensive health insurance plans and Bajaj Allianz Health Guard is one of them. This insurance policy offers the needful cover through which you can get quality treatment on time. This cover offers the best healthcare and medical treatment and keeps you financially secure.

These plans offer benefits like –

• The plan offers coverage against pre and posts hospitalization expenses that includes consultations, medicines, investigations, etc. related to the illness of policyholder.

• You will get the option of Lifelong renewability of the plan.

• The plan offers cashless facility at more than 4000 network hospitals across the country.

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5. Max Bupa Health Companion Health Insurance Plan

click here to get insurance..

Max Bupa Health Insurance offers Health Companion Health Insurance Plan. It provides customized insurance policies which can easily go well with the different needs of customers.

The benefits of the policy are like -

  • • Covers all hospitalization
  • • Pre & post hospitalization are included
  • • Avail in-patient treatment under Aayush up to the base sum insured
  • • Daily cash allowance.


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