Many people think why to buy Health Insurance Policies but the key fact is that in the present scenario having a well-designated insurance policy is beneficial for you and your family. Many insurance companies are coming up with various types of plans and policies that fit your requirements effectively. We have analyzed all of them and would suggest you at the end of this article. Just reach to us!
There are several reasons behind choosing health-or-medical insurance coverage policies. It is a typical type of insurance coverage plan that basically pays for medical expenses with certain terms and conditions. It is a good idea to pick the best-guaranteed insurance services from the established company.
Another fact is that multi features based insurance policies are easily accessible in the market that allows the customers to pick their choice of plans and policies efficiently. No one wanted to get sick or hurt but mishap can occur any time, anywhere so it is better to get insured with best health insurance plans by availing their advanced services and instant care.
Why people need health-insurance facility:
Most of the people cannot afford the high medical treatment expenses in Private Sector and that gives the introduction of the medical insurance policy. With just a small amount of premium, the customer can easily hire best-required health-insurance policies. There are plenty of insurance plans available as per your budget and need to cover you and your family.
The best plans for emergency or health problems cover several diseases and protect you from future concerned problems also. In the present time, many people are seeking for availing the best family health-insurance cover to stay safe.
What is the main function of any health insurance policy?
The typical medical insurance is ready to serve the customer with all primary care services. The primary function of the medicals includes daily routine care, diagnostics, chronic conditions, emergency medical assistance and pharmaceutical cover.
Especially when it comes to choosing private medical facilities for treating health problems is really not affordable for all people. The middle class families are not able to afford it due to high charges. So in those cases, the accessibility of health insurance is the best way to claim for the treatments charges and get benefited.
The Benefits of modern insurance plans
Another fact is that the entire insurance market is booming and emerging with numerous riders and benefits for the insurance holders. One of the major facts for choosing health insurance plans in India is also due to high medical expenses. In the present time, many hospital and specific clinics are charging huge treatments charges for several treatments which are not affordable for all.
Many people as getting aware of the benefits of medical health insurance policies and are becoming more conscious to hire them. Choosing the best good health insurance policy is leading to serve the holder better financial support towards the medical treatments charges.
As time goes all the medical treatments and charges for the medical tools or medicines are increasing day by day. The customers are willing to reduce the burden of their medical expenses by ensuring the best health insurance benefits effectively.
So in short and simple way it is good for the family security. All the family members get a medical coverage and can be safer under the umbrella of medical health insurance plans. Choose the active plans that suits to your needs and family requirements and make your future safer.
Top 10 Health Insurance Companies Reviewed
1. Religare (Now Care) Health Insurance Company Limited
Religare Health Insurance Company Limited – is a health insurance India company that protects you and your family in case of a medical emergency. Also, it offers comprehensive health insurance coverage that includes No-claim Bonus (NCB) benefits. Plus, this company provides free room rent, health check-ups, ambulance coverage, daycare treatments, self-inflicted injuries, and much more.
2. Apollo Munich Health Insurance Company Limited
Apollo Munich Health Insurance Company Limited – is a joint health insurance company that carries great pride and has been referred to by tons of healthcare professionals. Furthermore, this company offers excellent health insurance products to meet the customer’s needs. What makes this company stand out among other health companies is that it provides a 30-day waiting period, dental treatment expenses, personal comfort goods, cover HIV/AIDS, etc.
3. Star Health & Allied Insurance Company Limited
Star Health & Allied Insurance Company Limited – Company and ETA Ascon. Moreover, the company helps customers with personal accidents, as well as travel insurance, in case anything happens to them on the road. If you are a customer or patient that needs insurance that protects you from having HIV and diabetes, this company has an insurance plan for you. This company also provides health check-ups, emergency ambulance charges, organ donor expenses, newborn baby coverage, hospitalization expenses, etc.
4. Max Bupa (Niva Bupa) Health Insurance Company Limited
Max Bupa Health Insurance Company Limited – is a joint health insurance company that is supported by Bupa Finance PLC and Max India Ltd. Max Bupa Health is one of the most preferred and cost-friendly insurance companies developed for patients and families of all ages. Moreover, this company provides tax benefits, lifetime rental benefits, in-patient hospitalization, emergency ambulance expenses, etc.
5. ICICI Lombard General Insurance Company Limited
ICICI Lombard General Insurance Company Limited – offers the best health insurance among these top insurance companies in India. Moreover, this company offers full coverage when it comes to medical emergencies. Plus, ICIC Lombard provides free health check-ups, hospitalization expenses, emergency ambulance charges, tax benefits and so much more.
6. Cigna TTK Health Insurance Company Limited
Cigna TTK Health Insurance Company Limited – is a health insurance company that offers insurance coverage that provides a premium plan that includes: maternity expenses, tax benefits, health check-ups, easy cancellation, additional discounts, and much more.
7. Bajaj Allianz General Insurance Company Limited
Bajaj Allianz General Insurance Company Limited – is a health insurance company that offers cost-effective premium benefit plans for patients. Moreover, this company provides vaccination benefits, annual medical check-ups, daily cash benefits, emergency ambulance expenses, and much more.
8. New India Assurance Company Limited
New India Assurance Company Limited – is a company that offers health insurance coverage, which includes animal bite vaccination benefits, ambulance expenses, yearly health check-ups, organ transplant coverage, and much more.
9. Oriental Insurance Company Limited
Oriental Insurance Company Limited – Founded back in 1947, this fully government-owned company offers cost-effective healthcare coverage for both patients and customers. The products that were provided for this company was designed to provide customers in India. What makes this company unique among the top health insurance companies on this list is that they don’t require medical examinations up to 60 years of age.
10. National Insurance Company Limited
National Insurance Company Limited – is a company that allows senior citizens to visit their nearby hospitals on a daily basis due to various diseases. The health insurance plan provides no medical screening, medical consultation, pre-existing illness coverage, lifelong renewals, hospitalization coverage, and many more.
11. TATA AIG Insurance
Tata AIG Health Insurance offers a wide range of health insurance plans designed to meet various needs, whether for individuals, families, or specific critical illnesses. The company is known for its strong presence across India, supported by a large network of more than 22,000 licensed agents and 390 licensed brokers.
Key Features:
- Comprehensive Coverage: Tata AIG provides both indemnity and fixed-benefit plans, ensuring flexibility in choosing coverage that suits your needs. Critical illness plans come with lifelong renewability, a portability feature, and the option to seek a second medical opinion.
- Cashless Claims: If you get treated at one of Tata AIG’s network hospitals, the company directly settles your hospital bills, making the process hassle-free. However, if you choose a non-network hospital, you’ll need to pay first and then file for reimbursement.
- Hassle-Free Renewal: The renewal process is straightforward, with reminders sent 30 days before the policy expires. You can renew online, making adjustments to your coverage or adding family members if needed.
After reading about each health insurance company, selecting the right one can be a bit difficult. Choosing one or two health companies that interest you will leave you in a tough spot. You may be asking yourself, “Which health insurance company is a good fit for me going forward?” Don’t sweat it. By reading the policy rules and searching for the right health benefits, you will know which health insurance is right for you. Finally, always make sure to double-check and do a background check on each health insurance company before making a settlement. Not all health companies provide good coverage. Don’t wait for health companies to choose insurance that is not for you. Go and protect you and your families’ future.
We personally Recommend TATA AIG after receiving ‘Positive Reviews’ from our Panel. Many customers appreciate the ease of claim settlement, especially in cashless hospitals, and the comprehensive coverage offered by Tata AIG plans. The company also has a good reputation for customer support and responsiveness during the claims process.
