Critical illness health insurance policy is one of the most popular health insurance plan with fixed benefit. This is the best health insurance in India to combat very high cost of treating diseases like cancer, heart attack and the likes. A Critical illness health insurance policy pays out the total coverage amount in one go. Critical illness health insurance plans pay out the lump sum Sum Insured amount when the medical insurance policyholder is diagnosed by any of the ailments covered in the critical illness insurance plan. If you want to buy health insurance to cover life-threatening diseases , your best health insurance in India should be a critical illness health insurance policy. You can buy health insurance of this type as a standalone mediclaim policy or as an add-on to your current medical insurance plan. You can also compare health insurance online of both types of Critical illness health insurance policies and select the one that appears as the best health insurance online for you.

This type of health insurance policy offer monetary protection against expenses for treatment of some specific life-threatening critical ailments like cancer, massive heart attack and the likes. Policyholders are usually provided with one-time lump sum payouts once they are diagnosed with any of the critical illness mentioned in the policy. Critical illness plans are available both as standalone health policies and as an add-on to a standard health plan. One can compare the merit of both types of plans and choose the more advantageous one.

If you want to cover your regular medical expenses, indemnity medical insurance policies are your best picks. There are several kinds of indemnity health insurance policies in India.

All health insurance companies in India are not equal in terms of financial position. Your chosen health insurance company should be financially strong so that you can rest assured that if you make any claim on your best medical insurance plan, your health insurance claim will be paid out by your chosen health insurance company. So, you first have to compare health insurance online providers and find out the provider of best health insurance in India in terms of financial stability.

Some health insurance companies in India are renowned for their stellar performance. You can compare health insurance online providers in terms of various performances and reputation. Providers of best health insurance in India are those that have been providing flawless performance for many years.

All health insurance companies in India are not equal on the basis of claim settlement time and rate. You have to compare health insurance online providers in terms of their claim settlement ratio. Providers of best health insurance in India come with best claim settlement record.

Network of hospitals of health insurance companies is another crucial aspect in choosing the provider of best health insurance in India. You have to compare health insurance online providers in terms of number of hospitals in their networks. The provider of best health insurance in India boasts maximum number of hospitals in the network. Your chosen health insurance company in India must have sufficient network hospitals in your vicinity so that you can avail cashless health insurance facility in your locality.

Customer service of health insurance companies is also vital. You have to compare health insurance online providers in terms of customers service. Providers of best health insurance in India offer bespoke customer care services.

Finding the best health insurance in India requires extensive research. You need to be aware of the features of best health insurance plans in India and you have to compare health insurance accordingly.

Renewal option

When you buy health insurance in India, the renewal option is the first thing you have to check. Best health policy comes with lifetime renewal option. So, you should make health insurance comparison and avail mediclaim policy with lifelong renewability. You just have to get health insurance renewal done in time to stay protected throughout your life.

Waiting period

A health insurance policy in India covers pre-existing diseases after a specific waiting period which varies from one health insurance plan in India to another. Best health insurance policy covers pre-existing diseases after a minimal waiting period. You should make health insurance comparison and get the best health policy with least waiting period.

Co-pay

Best medical insurance plans come with an optional clause called co-pay. You can opt for co-pay when you buy health insurance in India to bring down your mediclaim policy premium. However, you have to pay that amount when you make a claim on your health insurance online. So, if you go for health insurance co-pay, you have to strike a balance between your medical insurance claim outgo and your health insurance premium savings.

Hospital room rent

Some health insurance companies in India impose an upper limit on health insurance policies for covering room rent expenses in hospitals. Best health insurance in India don't come with any such limits. So, you should make health insurance comparison and get the best health policy to cover your entire room rent expenses.

Know your budget

Even though, you want the best health policy with a plethora of attractive features, you should select the best health insurance online as per your budget only. You have to compare health insurance to find the best health insurance policy in India comes with affordable premium and attractive features.

Know what you need

Once you know well what exactly you want in your best health policy, you can find out the best health insurance online easily. Many a best health insurance policy in India comes with a plethora of beneficial features. Once you know want you want in your berst health policy, you can compare health insurance to come upon the best health insurance online with all the features you seek.

Understand terms and conditions

One of the keys to avail the best health insurance policy in India is to be aware of the terms abd conditions. Once you read that part and be aware of exclusions, you can select the best health policy with least number of exclusions and most lenient guidelines. So, reading the fine prints is one of the right ways of finding the best health insurance online. To find the best health insurance plan in India with easy terms and conditions, you should compare health insurance online plans.

Best health policy not only provides regular coverage. There are many more benefits available with best health insurance online plans in India. You can compare health insurance plans in terms of benefits to trace out the best health insurance policy in India. Some of the benefits of availing the best health policy are mentioned below;

• Family discounts
• Loyalty discounts
• Cashless treatment facility
• Co-payments/Deductibles
• Sum Insured restoration
• Daily cash during hospitalization
• Free medical check-up
• Maternity/newborn expenses

Best health insurance online providers also facilitate their policyholders with the following value-added services.

• Round-the-clock customer support
• Lifetime health insurance renewal online
• Online health insurance renewal and application facility
• Quick claim settlement
• Policy renewal reminder

Health Insurance Company considers younger people as less risky; therefore, if you buy health insurance when you are young, you can be eligible for a lower medical insurance premium. Best medical insurance plans come with a standardized premium that rises with increasing age of mediclaim policyholder.

Some providers of best health insurance in India have introduced long-term health insurance in India. You can avail this type of best medical insurance plans to save on your mediclaim policy outgo. Health insurance companies in India have come up with 2 year and 3 year tenure. If you compare health insurance plans in terms of tenure, you can see that long-term health insurance plan in India helps you save more on premium.

If you don't make any claim on your online health insurance plan in India, you can avail NCB on your health insurance renewal. You can make use of this NCB on your Health insurance renewal to reduce your health insurance premium.

When you buy health insurance in India or at the time of your health insurance renewal, you can opt for co-pay to reduce your medical insurance premium outgo. The higher co-pay you choose lower would be your mediclaim policy premium. Health insurance companies in India allow online health insurance policyholders select co-pay between 10-25%. of Sum Insured of their health insurance plans.

If you want to enhance the existing coverage of your health insurance policy, you have to pay higher premium. You can buy health insurance online top-up plans at a lesser cost. The medical insurance top-up plans work when the coverage of a regular health insurance policy exhausted. You don't have to pay additional premium on your mediclaim policy and you can enjoy better coverage as well on your mediclaim policy as well. You can compare health insurance top-up plans to avail the best health insurance top-up plans.

A great way to reduce health insurance premium outgo is to make health insurance comparison. Best medical insurance plans available with health insurance companies in India come with varied premium amounts. So, if you make health insurance comparison you can trace out the best health insurance in India at a lower premium.

If you buy health insurance online you can save on your medical insurance premium. An online health insurance policy in India require less premium as health insurance companies don't have to spend on distribution and overhead costs.

Since online health insurance plans in India can be availed from home, you no longer have to visit brick and mortar offices of health insurance companies in India. Best health insurance plans in India are now available online and they are issued instantly upon payment of medical insurance premium. So, you don't have to undergo lengthy paperwork if you chose to buy health insurance online.

An online health insurance plan is not only easy to buy but you can also get your health insurance renewal done at anytime and from anywhere too. You can even get your health insurance renewal done online just a few minutes before expiry and stay protected without a break by your mediclaim policy.

All leading health insurance companies in India now boast a robust online presence so that you can buy health insurance online and also get your health insurance renewal done online too. You can also make health insurance comparison online to pick the best health insurance policy in India.

You have to compare health insurance online policies to find the best health insurance in India. There is no dearth of best health insurance plans in India, but you have to find out the best health insurance plans in India as per your requirement and budget. This is why; online health insurance comparison is the best way to go. Here are some steps that you have to follow to compare health insurance online.

• Visit a neutral health insurance comparison portal to compare health insurance online plans offered by best health insurance companies in India.
• Enter your details to start the health insurance comparison process.
• Upon providing your details, you will get a list of online health insurance policies so that you can compare health insurance plans in terms of features and benefits.
• You should also compare health insurance online plans on the basis of premium, Sum Insured, and exclusions of each policy. Idf you compare health insurance online on the basis of these aspects of best medical insurance plans, you can find the best health insurance policy in India as per your requirements
• Once you select the best health insurance in India, you can buy health insurance online

If you choose to compare health insurance online, you can reap the following benefits;

• You can compare health insurance online providers in a few minutes without having to visit health insurance companies in India
• The premium of an online health insurance policy is less than the premium of the best medical insurance policy available in the brick and mortar offices of a health insurance company in India.
• You can compare health insurance and select from an abundance of online health insurance plans in India. You don't have to buy health insurance offered by agents. By choosing to go for online health insurance plans, you will have lot more options to choose from.
• You can go through all information about online health insurance plans conveniently when you compare health insurance online.
• Some health insurance companies offer discount on their mediclaim policy premium if you buy health insurance online from their portals.
• An online health insurance policy in India requires minimum or zero documentation.
• You don't have to collate information about various health insurance companies in India if you visit a neutral health insurance comparison portal to compare health insurance online.

Best health insurance plans in India facilitate mediclaim policyholders with cashless health insurance facility. If you make a successful cashless health insurance claim, you don't have to pay from your own pocket to avail treatment in any hospitals in your health insurance company network. Provider of your online health insurance policy in India or the TPA of your health insurance company settles the bill directly with the hospital. To avail cashless health insurance facility, you have to show the health care provided by your health insurance company. The cashless health insurance claim process depends on the nature of hospitalization. For a planned hospitalization, your cashless health insurance claim process will be different than that of an emergency hospitalization.

In case of planned hospitalization, you have to get your cashless health insurance claim approved in advance; you have to intimate the TPA of your health insurance company beforehand by filling cashless health insurance claim forms. Pre-authorization forms are available in all hospitals in your health insurance company network.

In case of emergency hospitalization, you need to produce health care provided by your health insurance company to avail all the facilities that cashless health insurance offers. You have to fill up the pre-authorization form and submit to the network hospital your health insurance company. The hospital will make decision on your cashless health insurance claim after checking with TPA of your health insurance company. If your cashless health insurance claim gets approval, you can avail treatments for free and if your cashless health insurance claim gets rejected you have to pay the expenses upfront, however, you can retrieve all expenses by making a reimbursement claim on your best medical insurance policy.

Apart from making cashless health insurance claims, you can also make claims on your mediclaim policy to get all your expenses reimbursed. If the disease and nature of treatment is covered by your medical insurance plan, you are eligible for making reimbursement claim on your mediclaim policy.

To make a successful reimbursement claim on your health insurances you have to come up with the following necessary documents so that your provider of health insurance in India approve your reimbursement claim.

• Claim form issued by your health insurance company need to be filled up duly
• Medical expenses proofs such as receipts, prescriptions and bills
• Any other document required by your health insurance company

Regardless of whether it is a cashless health insurance claim or reimbursement claim, you have to furnish all necessary documents and proofs to your health insurance company. Your health insurance company will cover those expenses mentioned in your health insurance policy documents. Any expense which is not under the coverage of your mediclaim policy will have to be borne by You have to bear all the additional expenses that your mediclaim policy doesn't cover.

Portability is a relatively new facet introduced for health insurance in India. Now, you don't necessarily have to get your health insurance renewal done with the same health insurance company year after year. New health insurance companies in India come with lucrative deals. So, you can compare health insurance companies in India and select the provider of best health insurance in India on your health insurance renewal. The portability feature of health insurance in India essentially allows mediclaim policyholders switch from one health insurance company to another. You can retail all your accrued benefits even if you decide to change health insurance company.

There are many reasons why medical insurance policyholders choose to port their health insurance in India. Mediclaim policyholders change health insurance companies if they find a health insurance company with better deals. Sometimes, inefficient services by existing health insurance companies force medical insurance policyholders look for a new health insurance company in India. Ever since its introduction, portability has proved to be beneficial for policyholders of health insurance in India.

Here are the advantages of porting of health insurance in India.

• You can port your health insurance plan in India to another health insurance company for free
• Both individual mediclaim policy and family floater medical insurance are eligible for health insurance portability
• All benefits earned by medical insurance policyholder regarding waiting period and NCB are retained when they port the mediclaim policy to new health insurance companies.

IRDAI imposes some terms and conditions and deadline all medical insurance policyholders willing to port their mediclaim policy have to maintain. Health insurance companies in India also have to go by guidelines set by IRDAI. Here are some vital guidelines about portability of health insurance in India.

• Medical insurance portability can be done only at the time of health insurance renewal
• Mediclaim policyholders need to make application a minimum of 45 days before their health insurance renewal
• Both the existing health insurance company and the new health insurance company where mediclaim insurance policy will be ported must be aware of this decision of medical insurance policyholders.
• New health insurance company can rightfully work out the terms and conditions of the best health insurance policy in India
• New health insurance company has to retain the benefits accumulated by the mediclaim policyholders from their previous health insurance companies in India.
• Mediclaim policyholders can select between individual and family floater health insurance plans for their new medical insurance policy.
• The new health insurance company can turn down the request of portability if medclaim policyholders don't pay their health insurance premium in time.
• Medical insurance policyholders get 30 additional days if their health insurance porting is under process

• You can compare health insurance plans from all leading health insurance companies in India
• Easy health insurance comparison process encompassing all the best health insurance online plans available
• You can gather information about eligibility criteria to avail the best health policy in India
• Availability of reviews to help you pick the best health insurance policy
• Assistance available in case of claim settlement and paperwork