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The Best Health Insurance in India: A Comprehensive Review

Diseases come unannounced, but you can always stay prepared in advance. Health insurance policy is a boon in this regard. It is a contract with an insurance company that agrees to bear medical costs in exchange for regular premium payments. Such policies help you protect your hard-earned savings in times of emergencies.

The benefits of health insurance in India are increasingly being recognised. This is a welcome move, as India’s health insurance sector is only a couple of decades old. Looking at the history of health insurance in India, you will see that only a few government schemes existed initially. But, today, several private players are present. This makes a customer’s job difficult as they face confusion in selecting the right plan.

This article will guide you through your journey of choosing good health insurance in India. So, keep on reading.

Why is Health Insurance Essential?

Before choosing the insurer, you might wonder what the need for health insurance in India is. The following points discuss the same.

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Heavy Medical Costs

Government health infrastructure is not sufficient to cover the entire population. Private hospital bills, on the other hand, are hefty and end up burning a hole in your pockets. It is, therefore, essential to have financial help.

Increasing Diseases

Illnesses will grow with the rise of pollution, stress, and poor lifestyle habits. Health insurance policies cover various diseases, including chronic ones. Moreover, their coverage of medical checkup expenses encourages you for preventive doctor visits regularly.

Tax Savings

The medical insurance premium is included under Section 80D deductions of the Income Tax Act. So, your overall cost is substantially reduced.

Financial Planning

Unexpected sickness may eat into your retirement savings. Unfortunately, this can put your financial plans off track. Having an insurance policy helps you plan your expenditures.

Comprehensive Coverage

Health insurance policies cover pre and post-hospitalisation expenses like transport charges, medical checkups, room rent, etc.

Convenience

Health insurance companies stay in contact with a network of medical professionals. The facility of cashless treatment will save your caretakers from additional anxiety during your sickness.

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How to Select the Best Health Insurance in India?

Below are the factors to consider in your search for good health insurance in India.

Sum Assured

You must look for an adequate sum assured. For example, if you are looking for a family plan, it should meet the requirements of all your family members.

Premium Amount

You should compare the coverage offered with the premium charges and choose the right balance. Also, find out premium discounts being offered by the company.

Inclusion and Exclusion

You also need to consider what is covered and what is not in the coverage plan. This will avoid future conflicts.

Renewability Provision

You must go through this as it determines if the policy can be cancelled and by whom. It also affects the periodicity of premium changes.

Eligibility Criteria

You should take note of the specifications of different companies. For example, some require applicants above a certain age to undergo a medical exam.

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Claim Process

For ease, you should avoid policies requiring cumbersome inspection and documentation processes. Generally, cashless treatment is preferred over reimbursement.

In summary, you should look for an insurance policy which provides a suitable sum assured, holistic coverage, affordable pricing, a hassle-free claim process, and lenient eligibility requirement. Apart from the above checklist, go through what other customers have to say about an insurer. You can search for ‘best health insurance in India review’ for better insights.

Conclusion

There are a plethora of insurance companies present in India. Every company provides a diverse range of products. The best medical insurance in India will depend on the policyholder’s needs. Thus, assessing your demands and then doing extensive research is crucial. Health insurance is a long-term investment, so choose wisely.

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