Best Health Insurance Company in India

Key Factors to Keep in Mind When Purchasing Health Insurance

27 April, 2023

0 Shares

200 Reads

Key Factors to Keep in Mind When Purchasing Health Insurance

Share

As precaution is better than cure, it is always advisable to consider health insurance plans for you and your family as there are no alerts for health emergencies. Health insurance plans work as a product which safeguards you from medical and surgical expenses. This can include various medical bills, hospitalisation cost, treatments and sometimes even dental care.

 

Nowadays health insurance plans in India cover not only deadly diseases but also take care of your doctor’s appointment fees. It works as a seatbelt on your bad days. As the Indian market is flooded with insurance companies claiming their insurance products as “the best insurance plans in India”, it is hard to choose the right one. This article will guide you in taking an informed decision.

 

Factors to Consider While Buying Health Insurance Plans

There are few considerations which can affect the buying decision of an individual in the health insurance market. One should not ignore the following factors as doing so can cost you a lot in terms of health and money:

 

Claim Settlement Ratio (CSR) of The Company

This ratio makes you aware of the percentage of claims settled by any insurance company in a year out of total claims it received. You can have access to this data on the official website of Insurance Regulatory And Development Authority Of India (IRDAI).

 

Network Hospitals in Your Health Plan

It is a list of hospitals covered by the health insurance company where you can be treated and ask for claims. One has to make sure that all the major hospitals are covered in the list so that you can be treated by the best doctors.

 

Diseases Covered in the Health Plan

It is highly recommended to check what all diseases are covered in the family insurance plans you are looking for. It must cover the major diseases which require more money for the treatment.

 

Room Rent Limit in Health Insurance Plan

The room rent limit indicates the maximum amount of room rent you can claim. If the insurer chooses a room with a higher price than mentioned in the policy, he will have to share an amount proportionately of the entire hospital bill.

 

List of Best Health Insurance Plans in India

Here is the list of trusted brands in the health insurance market which are serving their customers for years and have proved to be among the best service providers:

 

Niva Bupa Health Companion Plan

Niva Bupa is leading the insurance market when it comes to providing the best health insurance plans in India. Companion plan offers an individual or family floater option to the people. It has three variants of cover starting from ₹2 lakhs to ₹1 crore.

 

Key features:

  • It covers pre hospitalisation expenses up to 30 days and post hospitalisation charges up to 60 days.
  • It covers hospital accommodation costs without any upper cap.
  • This plan also covers alternative treatments.

 

Aditya Birla Active Assurance Diamond Plan

Aditya Birla Active assurance diamond plan is among the best health insurance plans which can cater to your insurance needs very well.

 

Key features:

  • The plan covers pre hospitalisation expenses for 60 days and post hospitalisation expenses for 180 days.
  • It also covers alternative treatments.
  • An insured can get up to 150% (maximum ₹50 lakhs) for hospitalisation due to unrelated illness.

 

Apollo Munich Optima Restore Health

It is a plan which caters to the needs of your family and provides the feature of automatic restoration of the policy in case it is exhausted by any family member.

 

Key features:

  • The plan covers pre hospitalisation expenses up to 60 days and post hospitalisation expenses up to 180 days.
  • The claim will be applicable after 24 hours of hospitalisation.
  • It also offers a discount if the insurer completes the targeted walking daily monitored through its app.

 

Niva Bupa Go Active 

The plan serves both, the individual and the family and takes care of daily treatment needs which does not require hospitalisation. It covers up to 10 OPDs a year. With its special features, it is among the best health insurance plans in India.

 

Key Features:

  • The cover ranges from ₹4 Lakhs to ₹25 lakhs with a premium as low as ₹13,352 per year.
  • It offers cashless diagnostic tests.
  • It offers a 10% lifetime discount if you avail before or at the age of 35 years.

One should analyse his needs before buying the insurance plans. It is extremely important to consider the above mentioned points before making the decision as it will help you opt for the best insurance plan for your family.

Start Your Insurance Today!

Secure your Health with comprehensive insurance plans from Niva Bupa

+91
Disclaimer infoBy clicking Start Now, you authorize Niva Bupa to Call/SMS/Whatsapp on your registered mobile overriding DNCR.

You may also like

Health InsuranceHealth InsuranceMedical Insurance Best Health Insurance PlansHealth Insurance PlansHealth Insurance PolicyBest Health Insurance PlansBest Family Health InsuranceBest Mediclaim PolicyBest Health Insurance In IndiaBest Medical Insurance In IndiaBest Health Insurance Plans In IndiaBest Health Insurance Policy In IndiaMediclaimBest Health Insurance For Senior Citizens In IndiaBest Health InsuranceHealth Insurance With Opd CoverMediclaim InsuranceMedical Insurance PlansBest Health Insurance Company in IndiaCritical Illness InsurancePersonal Accident InsuranceMediclaim PolicyIndividual Health InsurancePregnancy InsuranceMaternity InsuranceBest Family Health Insurance plans in IndiaBest Health Insurance companyFamily Health InsuranceBest Health Insurance plans for Senior CitizensMediclaim Policy for Family

 

Health Insurance SchemesChief Ministers Comprehensive Health Insurance SchemeEmployee State Insurance SchemeSwasthya Sathi SchemePradhan Mantri Matru Vandana YojnaGovernment Health Insurance SchemeDr. YSR Aarogyasri SchemePradhan Mantri Suraksha Bima YojnaHealth Insurance DeductibleWest Bengal Hcovealth SchemeThird Party AdministratorRashtriya Swasthya Bima YojanaIn Patient Vs Out Patient HospitalizationMukhyamantri Chiranjeevi YojnaArogya Sanjeevani Health InsuranceCopay Health InsuranceCashless Health Insurance SchemeMukhyamantri Amrutum Yojna

 

Travel Insurance - Travel Insurance | International Travel InsuranceStudent Travel InsuranceTravel Insurance USATravel Insurance CanadaTravel Insurance Thailand | Travel Insurance GermanyTravel Insurance Dubai | Travel Insurance Bali | Travel Insurance Australia | Travel Insurance Schengen | Travel Insurance Singapore | Travel Insurance UK | Travel Insurance Vietnam | Malaysia Tourist PlacesThailand Visa for Indians  | Canada Visa for Indians | Bali Visa for IndiansECR and Non ECR Passport | Qatar Visa StatusUSA VisaVietnam VisaUSA H1B Work Visa

 

Become an agentInsurance Agent | Insurance AdvisorLicensed Insurance AgentHealth Insurance ConsultantPOSP Insurance Agent

 

Group Health InsuranceStartup Health Insurance | Commercial Health InsuranceCorporate insurance vs personal insuranceGroup Personal Accident Insurance

 

Top Hospitals -  Best Hospitals in ChennaiTop Hospitals in DelhiBest Hospitals in GurgaonBest Hospitals in IndiaTop 10 Hospitals in IndiaBest Hospitals in HyderabadBest Hospitals in KolkataBest cancer hospitals in BangaloreBest cancer hospitals in HyderabadBest cancer hospitals in MumbaiBest cancer hospitals in IndiaTop 10 cancer hospitals in IndiaTop 10 cancer hospital in DelhiMulti Speciality Hospitals in MumbaiMulti Speciality Hospitals in ChennaiMulti Speciality Hospitals in HyderabadSuper Speciality Hospitals in DelhiBest Liver Hospitals in DelhiBest Liver Hospitals in IndiaBest Kidney Hospitals in IndiaBest Heart hospitals in BangaloreBest Heart hospitals in IndiaBest Heart hospitals in KolkataBest Heart hospitals in Delhi


OthersTop Up Health Insurance PolicyCorporate Health InsuranceHealth CardSection 80d of Income Tax ActAyushman BharatHealth Insurance PortabilityGoActive Family Floater PlanHealth Companion Family Floater PlanHealth Premia Family Floater PlanHealth Pulse Family Floater PlanHealth Recharge Family Floater PlanHeartbeat Family Floater PlanMoney Saver Family Floater PlanSaral Suraksha Bima Family Floater PlanSenior Citizen Family Floater PlanSuper Saver Family Floater PlanCorona Kavach Family Floater PlanHospital Cash InsuranceCashless Health InsuranceHealth Companion Price revision | Heartbeat Price revision | ReAssure Price revision 

 

Health & Wellness - PCODPCOD Problems SymptomsStomach InfectionStomach Infection symptomsHome remedies for Stomach InfectionHypertension definitionHow to Control SugarTyphoid in HindiBlood sugar symptomsTyphoid symptoms in hindiLow sugar symptoms | ब्लड शुगर के लक्षणpregnancy me kya kareOpen heart surgery costBlood infection symptoms in hindiBP badhne ke karanKhansi ka gharelu upayOmicronCoronavirus Health InsuranceCovid XE VariantNorovirus

footer logo
Some image

www.nivabupa.com

Some image

+91 11 41743397

Some image

1860-500-8888

Some image

14th Floor, Capital Cyberscape, Sector 59, Gurgaon

  • Insurance is a subject matter of solicitation. Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI Registration Number 145, Category:Health), 'Bupa' and 'HEARTBEAT' logo are registered trademarks of their respective owners and are being used by Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) under license. CIN: U66000DL2008PLC182918
  • 1 Niva Bupa processes pre-authorisation requests within 30 minutes for all active policies, subject to receiving all documents and information(s) up to Niva Bupa’s satisfaction. The above commitment does not include pre-authorisation settlement at the time of discharge or system outage.
  • 2 Since Inception refers to claim data from 2010 till December 2023.
  • 3 ReAssure 2.0 Premium: The premium is including taxes and for Bronze Variant, for a 25-year-old individual living in Delhi.
  • 4 Aspire Premium: The premium is including taxes and for Gold+ Variant, for a 25-year-old individual living in Delhi.
  • 5 Senior First Premium: The premium is including taxes and for Gold Variant, for a 65-year-old individual living in Delhi.
  • 6 Health Premia Premium: The premium is including taxes and for Silver Variant, for a 25-year-old individual living in Delhi.
  • 7 SmartHealth + Disease Management Premium: The premium is including taxes and for Disease Management Gold Variant rider when bought with ReAssure 2.0 Bronze variant with Base Sum Insured of 5 lacs, for a 25-year-old individual living in Delhi.
  • Beware of spurious / fraud phone calls! Do not share your confidential information like Debit / credit card number, Internet Banking User ID/Password, Pin, CVV, OTP, etc. with anyone. Avoid clicking on attachments / payment link received in mails / message from unknown sources. IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment or premium. Public receiving such phone calls are requested to lodge a police complaint. Do not respond to unsolicited and attractive offers received through unidentified calls, emails, SMSs, and other social media platforms. Beware of misleading telephone calls from people posing as Niva Bupa officials, agents, IRDAI Officials, Officials from ECI (Office of the Executive Council of Insurers) etc. and offering alluring benefits or sharing false information on your policy or on Niva Bupa. Niva Bupa shall not be responsible for any loss or damages whatsoever for any acts or omissions arising out of such spurious calls, and all customers are advised to contact our customer care at 1860-500-8888 and verify any representations or promises made by any such spurious callers before acting upon the same.
Social IconSocial IconSocial IconSocial IconSocial Icon