Health Insurance is a term that has become synonymous with today’s lifestyle in general. The stress, both physical and mental, in today’s frenzied times has given rise to a number of diseases; some of which were not even heard of in past decades. No matter how much care a person takes of his/her health, he/she is bound to get one or the other illness by the time he hits mid-life or even before that. Health insurance has, therefore, become the need of the hour. Knowing that one has to buy health insurance is not enough; one should look for the best health insurance available. The question that arises is: where to look for the best health insurance? There are many answers to this question. The first place to look for such answers would be the internet or the online broker portals such as Coverfox.com which carry all the information about health insurance in general.
- Online Portals or Websites:
With the advent of the internet, it has become all the more easier to find what you are looking for. Most of the websites related to policies etc., hand out the complete information needed to take a call regarding the best health insurance. Starting from the plans of different companies to claim settlement ratio and their credibility, these websites have it all panned out in a systematic manner.
This way, it is easy to get a sorted chart of different policies and compare them from the comfort of your home. This reduces the pain of moving out and looking for an external agent to acquaint you with health insurance policies.
- Reaching out to the companies through their agents:
Another alternative is to directly contact the concerned company. Doing so will help you get a clearer idea about the plans that you are looking for. To get a better understanding of the plan, at the moment makes way for an easy decision.
However, one may choose any route to buy health insurance depending on their convenience and feasibility.
Locating the Best Health Insurance
Locating the best health insurance or the one that suits you the best is of as much importance as is to buy one. With the different physical attributes, the illness one faces also differs, and so does the choice of health insurance plans. This variation comes due to different expectation from the policies. For example, some policy may cover maternity expenses whereas some others may completely skip it. So, therefore, it is essential that one understands what one expects the plan to cover. Once this is clear, then half the battle is won; and one may go ahead with buying the plan of one’s choice.
So, knowing how the insurance policy will work during the illness or medical condition of a person is what matters the most, when one is locating the best health insurance.
Some of the Best Health Insurances in India
The Indian Health Insurance scenario has seen a sky-high rise in terms of popularity in the recent years. Owing to the tumultuous and unsettled lifestyle, the health insurance market is at an all-time high. Due to the exposure to health insurances, people now are in a better position to opt for the best health insurance in India. Some names that come to the fore are:
- Apollo Munich Easy Health
- ICICI Lombard
- Religare Health Insurance Care
- Bajaj Allianz
- Max Bupa
The ones mentioned above are some of the names which have been considered as the best in providing health insurance by the industry experts. There are certain factors about these companies that make them stand out. Though not of a single company, some of these factors are:
- Cashless hospitalization
- Free Health check up
- No pre-policy medical check-ups
- Lifelong renewal
- Maternity Expenses coverage
- Coverage offered without the upper limit of the age of the applicant
- Expenses like pre-hospitalization and post-hospitalization consultations covered
- Covering expenses for alternative medicine like Ayurveda, Homoeopathy, Unani, etc.
Buying health insurance provides financial security and peace of mind in times of sudden illness. So, buying the best health insurance is one of the safest bets one can place in today’s times. Experts advise buying a health insurance even if the person is young and is devoid of any illnesses. The idea is to secure yourself before the unfortunate incident strikes and catches you off guard, leaving in a financially unstable situation.
To avoid all of this, it is good to enrol in a good health insurance plan.