Buying health insurance is one of the most important things to do in life. With rising health problems and increasing costs of healthcare, you cannot afford to stay without a good health insurance policy in place. Thankfully, there are many good health insurance companies in India that offer some of the most comprehensive and wholesome health insurance plans that offer coverage to not just to you but to your entire family.
It is important for you to do your research and then select a good health plan from one of the best health insurance companies in India. Take a look at this article to know about the tips you should follow when choosing and buying the best health plan from the best health insurance company in India.
Tips to find the best health plan from the best health insurance company in India
- Look at the scope of cover –
Start off by looking at the scope of coverage offered by a few plans. Scan the features to see what is covered and what is not covered. You have to ensure the plan you choose has the maximum number of covers, as you never know what type of a medical emergency may come upon you or your family members. - Assess your own health –
Then, you need to take a good and long look at your own health and health requirements. Every family has different requirements from their health insurance cover. For example, if you and your spouse want to start a family in a few years’ time, you should ideally look for a health plan that has a maternity cover. If you have elderly people covered under the policy, look for covers such as knee replacement surgery covers. The plan you buy should cater to your needs and offer the most wholesome coverage. - Check the price –
The perfect health insurance plan will not be a financial burden for you. Ideally, you should look for an affordable cover, but always remember that the best plan may not be the cheapest plan. The best health insurance companies in India offer their best plans at premium rates, solely because they have extensive covers and work very well to offer the best possible protection to you and your family. Do not just look at the price, also look at the company and its reputation to get your hands on the very best health policy. - Check the sum limits –
Many health plans have sub-limits such as room rent capping, surgery sub-limits and pharmacy caps. This means that there is a cut-off figure for the maximum claim you can make under each overhead. Look for a policy that has the least amount of sub-limits. When you need medical attention, you should not be bound by degrees and you should be able to make maximum use of your health cover to recover and become fit. - Look for riders –
You also need to keep an eye on the availability of the riders. The best health insurance companies in India offer riders along with their medical insurance policies. As a policyholder, you should have the freedom to choose the riders and want and drop the ones you don’t need. - Compare –
The best and easiest way to find good health plans is to run an online comparison between the available options. It is very easy to compare. You just need to enter your requirements, some basic personal details and the results will promptly be shown to you. Scan the results and you will be able to find the most suitable plan within a few minutes. - Check the waiting period –
Many health plans have waiting periods associated with them. The best plan you buy should have very short waiting periods so that you have the maximum scope of coverage at all times. - Look at the list of network hospitals –
All the top health insurance companies in India have an extensive list of network hospitals. Look to buy your health plan from an insurance company that has a large number of network hospitals so that you can easily find a hospital to get treated in. - Check out the claim process –
Fortunately, the health insurance companies have kept the claim process smooth. Still, some companies have a more complicated process and some have an easier process. Look to buy your plan from a health insurer that has a very basic and easy-to-follow claim process. - See the claim settlement ratio –
This is an obvious point – the insurer that has a high and healthy claim settlement ratio is definitely a good health insurance company. Always look to buy your health plan from an insurance provider who has a very high claim settlement ratio. - Evaluate customer support –
Any good health insurance provider will have a good customer support team. Never buy your medical insurance cover from a company that has a poor customer support service as then you will end up facing many issues while you remain their customer. - Check digital presence –
And finally, get the plan from an insurer who has a strong online presence. You should be able to buy and renew the plan online without having to run to the insurer’s office in every instance. The best health insurance companies in India generally have a good and strong digital presence.
Once you take care of these parameters you will surely have the best health insurance plan with yourself.
Conclusion
It is very important to get a good health insurance plan that is as comprehensive as possible. You should also get the coverage at an affordable rate so that you do not struggle to pay the premiums on time. While these are important factors to consider, you must remember to buy the medical insurance policy from the best possible health insurance company.
To ensure this happens, look at the claim settlement ratio of the insurer. Also, look at how good their customer support services are and finally look for positive user reviews. If you take care of these, you will surely find the best plan at the best rate from the best health insurance company in India.
