We all are more or less familiar with the phrase health insurance or mediclaim policies in India. Since the greatest wealth in the world is health, it’s important to secure it the best way you can. Well, this job is productively performed by health insurance policies. Health insurance is basically an insurance policy specifically brought for the security of an individual’s or family’s health against various health related complications arising out of any sickness, illness or diseases. Therefore, in a more precise sense, health insurance is a contract between policy buyer(s) and health insurance companies affirming necessary financial support at the time of need. It’s suggested to compare health insurance online to avail the best health insurance policy.

In order to avail the best benefits of a sound health insurance policy in India, all you will have to do is to insure yourself under the type of Health Insurance Plan that best suits your requirements. You will have to pay a certain amount in the form of premium and renew your health insurance plan before it expires to avail the best advantages of health insurance policies in India. Best health Insurance online comes with the best benefits and coverage within an affordable price. Note that the cheapest health insurance policies may not always prove to be the right choice.

You should also concern yourself with the fact that the health insurance companies impose a certain waiting period for specific illnesses. That means those specified illness or pre existing condition will only be covered after the required waiting period is over. You will not receive any financial assistance out of a health insurance policy if you file claim against health issues resulting from pre-existing diseases within the waiting period. When you buy health insurance you should only do it from the best health insurance company in India

GIBL.IN, the IRDA approved website can help you find the best health insurance in India. Our website enables you to effortlessly compare and choose the best health insurance plans to take care of all your health needs when you buy or renew mediclaim policy from our site.

Importance of Having a Health Insurance Policy

To tell you the truth, there are not enough fingers in your hands to count the importance of having a health insurance policy in India. With the rising costs of medical bills day by day, it’s very much important to secure your health or the health of your loved ones. Having the best health insurance plan is vital nowadays given that you can’t really predict when you may fall sick or what your medical bills look like in future. Not having a health insurance policy in India will cost you really more than you can ever imagine. You may have to say goodbye to your lifelong savings and resort to depression and anxiety as the penalty of not having a health insurance policy.

A mediclaim policy acts as a helping hand at the time of your need to help you stand back up once again from any sort of medical emergencies arising out of nowhere. The best health insurance company in India is likely to offer you the best health benefits. GIBL can help you spot the best health insurance in India at an affordable rate. You can compare health insurance quotes online from our website and buy or renew the best mediclaim policy instantly.

Why Do you Need Health Insurance?

• Health is wealth. Your health directly or indirectly impacts your quality of life.
• Without a health insurance policy in India, you could be accountable for the entire cost of hospitalization, medication and treatments.
• With the best health insurance plan, you can get prevention care, routine checkups, and most importantly, save money by choosing the type of coverage you want.

How Does Health Insurance Policy Work?

Health insurance policy in India is an agreement between you and your health insurance company in general and the health policy comes with an abundance of health benefits such as the services linked to treatment, tests, drugs etc. You insurance company accords to cover the expenses of specific benefits listed under your best health insurance policy in exchange of a pre specified yearly/monthly premium.

The purpose of a health insurance policy in India is to pay for the expenses of your health care. Furthermore a mediclaim policy financially safeguards you and your family in the event of an unforeseen serious injury or illness that could turn out to be very expensive. Health insurance policies help defend you from the high rates of medical bills. Health insurance plans provides you sort of relaxation by paying for hospital stays, prescription drugs, doctor visits, & other important preventive treatments.

  Different Types of Health Insurance Policies in India

Health Insurance online plans in India come with a plethora of choices. Since the preferences of different people vary from one person to another, health insurance policies also comes with a number of options to pick from in terms of the health coverage. Before you opt for the right mediclaim insurance plan, first you will have to have the basic conception of different health insurance policies available in India. To make you task of choosing the best health insurance online, we’re proving you a brief description on different health insurance policies.

• Individual Health Insurance Plan: This is one of the best health insurance plans that everyone is more or less familiar with in India. Like the name suggests, Individual Health Insurance Plans are exclusively designed for the health protection of an individual person against various critical illness under one Sum Insured. Though family members can be included under the best Individual Health Insurance Plan but you’ll have to choose a different Sum Insured for each family member you want to insure. The premium you’ll pay for this health insurance online policy is generally directly proportional to the Sum Insured.


• Family Floater Health Insurance Plan: Family Floater Health Insurance plans offer an extensive medical coverage against various illnesses and diseases to all you family members under the single Sum Insured. This medical policy can cover your parents, spouse and dependent children. The premium of family floater health insurance plan is comparatively lower than the individual mediclaim policies taken by each family member. Family floater health insurance plan is significant given that it covers each of the family members and also provides a fixed Sum Insured for all insured members for single or multiple claims raised during the policy term.


• Senior Citizen Health Insurance Plans: Like the name suggests, this specific health insurance online policy is particularly designed for the senior citizens in India. As mandated by IRDAI, every insurance company must include people up to 65 years of age under senior citizen health insurance plan.


• Critical Illness Plans: Again one of the best health insurance policies, critical illness plan is designed to provide medical coverage to insured persons against various critical illnesses specified under the policy. Given that the medication cost of such critical illness like cancer, paralysis, heart attack, kidney failure etc are expensive, the critical illness policy provides financial assistance in case the insured person is diagnosed with one of multiple critical illnesses listed under the policy.


• Maternity Health Insurance Policy: Almost all the best health insurance companies in India offer maternity health insurance policy nowadays. This health insurance policy covers the costs incurred from child delivery, Pre & Post Natal care, and even sometimes covers the vaccination costs of the new born babies. To break it down in one sentence, maternity health insurance policy takes care of all your maternity expenditures. However, you should note that the features and benefits of this particular health insurance plan may vary from one insurer to another.


• Unit Linked Health Plan (ULHP): Unit Linked Health Plan (ULH) is a recently introduced health insurance plan in India that is similar to Unit Linked Insurance Plan (ULIP). ULHP is basically a grouping of a health insurance policies and a market-linked investment plan. In spite of providing protection on health, Unit Linked Health Plan contributes in the construction of a structure that could be utilized to meet the expenses that are not covered by health insurance policies.

  Available Health Insurance Plans in India

  Benefits & Features of Health Insurance in India

It’s quite crystal clear by now that best health insurance come with myriads of benefits and special advantages that can’t be replaced with anything. A policyholder can avail a number of advantages from their health insurance company. Though the benefits offered varies from one health insurance Company to another health insurance company in India, there’re some specific special features that can be by anyone opting for health insurance online. Well, following the key benefits of having the best health insurance online.

• Cashless Treatment Facility: Since our country India is emphasizing on digitization, you can almost see the adapted changes in the insurance sector as well. Cash is something that may not be available to everyone all the time and that is the reason why cashless treatments have taken a massive ground. In the event of hospitalization, if you are covered under a health insurance policy that provide the facility of cashless treatment, you no longer have to worry about your medical bills payment because your insurance company will take care of the payment through cashless scheme on your behalf let you focus on the medical treatment only. Cashless treatment may prove out to be savior when you don’t have arranged funds in the form of cash at the time of any medical emergency. All you have to do is choose a health insurance provider that offer cashless treatment facility to avail this benefit.


• No Claim Bonus (NCB): No Claim Bonus (NCB) for health insurance online policy stands for a specific amount of discount that you receive for not filing any claim during a policy term. This discount is applicable on your premium at the time of your health insurance renewal. NCB triggers the health insurance policyholder to not file a claim during a policy period.


• Co-payment: When you buy health insurance, you will come across to the term stated as co-pay. Co-pay stands for a pre specified amount that you have to pay before you health insurance company comes forward to settle down the rest of the medical bills when you file a claim. Your overall Sum Insured amount is not affected by co-payment.


• Family Discounts: This discount is offered by health insurance companies in India for enrolling any family member or any person under a health insurance policy. This is a form of reward offered by health insurance companies to existing policyholders for referring them to people.


• 24*7 Customer Support: To provide the customers the best assistance on anything related to their health insurance policy of coverage, the company provides round the clock customer care support.


• Lifelong Renewability: Since it’s important to pick the best health insurance plan that comes with the option of lifetime renewability, especially in the old age, health insurance companies in India has started offering health plans that can be renewed throughout lifetime of an insured person. Lifelong renewability is only applicable if there’s no break in your health policy.


• Free Health Check-Ups: Health insurance companies provide free health check-up to encourage all its policyholder lead a healthy life. The free health check-up facility is provided only once in a while but that totally depends upon the type of plan you choose.


• Online Buying & Renewal Option: Given that the entire world is being encapsulated into online, health insurance policies also doesn’t lag behind in terms of renewal or purchasing. Gone are the days when you had to wait and struggle a lot to avail the best health insurance plan. Nowadays you can instantly buy or renew health insurance policy in an instant online. All the health insurers offer online renewal and buying facility for health insurance plans.

  Different Ways to Minimize Health Insurance Premium Quotes

Premium quotes of medical plans are determined by various factors. Being aware of these aspects of medical coverage will help you minimize your health insurance premium outgo. The following are the steps that you can make to reduce your medical policy premium quote.

• Buy health insurance when you are young: Providers of medical insurer consider younger people as less risky, therefore, if you buy health insurance when you are young, you can be eligible for a lower premium quote and various discounts on health insurance renewal. Best medical insurance plans come with a premium of medical coverage standardized that rises with increasing age of policyholder.


• Choose a long-term health insurance policy: Some providers have introduced long-term mediclaim plans. You can avail this type of plan with long-term coverage and save on premium rates. If you compare in terms of tenure, you can see that long-term plan provides more premium discount on health insurance renewal.


• Avail no claim bonuses on health insurance renewal: If you don’t use your medical coverage, 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 rates.


• Opt for co-payment when you buy health insurance in India: 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 coverage premium quote. The higher co-pay you choose lower would be your mediclaim policy premium quote.


• Buy health insurance top up plans to increase coverage: To enhance the existing coverage of your health insurance policy, you have to pay higher premium rates. You can buy top-up plans at fewer rates. The top-up plans work when the coverage of a regular policy is exhausted. You don’t have to make payment for additional premium price on your mediclaim policy and you can avail better coverage as well. You can compare top-up plans to avail the top-up plan with the best price.


• Compare health insurance: A great way to find cheapest plans with lowest premium quotes is to compare health insurance. Medical plans available with providers come with varied premium quotes. So, if you compare available plans you can trace out the cheapest plan with lowest price.


• Buy health insurance online: If you buy health insurance online you can save on your medical plan premium. Cheapest medical plan is available online. Companies come with less premium rates as they don’t have to spend on distribution and overhead costs and they also provide various discounts.

  Why Health Insurance Policyholders Go for Portability?

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 insurers are coming with lucrative deals. So, you can compare health insurance companies in India and select the provider of best policies 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 policyholders choose to port their health insurance policy. Mediclaim policyholders change insurers if they find a health insurance company with better deals. Sometimes, inefficient services by existing providers force policyholders look for a new health insurance company in India. Ever since its introduction, portability has proved to be beneficial for policyholders. Here are the advantages of porting of health insurance in India.

• You can port your health insurance policy in India to another health insurance company for free.


• Both individual mediclaim policy and family floater policies 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.

Conditions regarding health insurance portability

IRDAI imposes some terms and conditions and deadline for all policyholders willing to port their mediclaim policy have to maintain. Policyholders 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 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 providers.


• Mediclaim policyholders can select between individual and family floater policies for their new medical insurance policy.


• The new health insurance company can turn down the request of portability if mediclaim policyholders don’t pay their premium in time.


• Policyholders get 30 additional days if their porting is under process.

  Benefits of Health Insurance Comparison 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 medical insurance company in India.


• You can compare health insurance and select from an abundance of policies. You don’t have to buy health insurance typically offered by the 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 policies conveniently when you compare health insurance online.


• Some health insurance companies offer discount on their mediclaim policy premium if you buy health insurance online or renew health insurance from their portals.


• An online health insurance policy in India requires minimum or zero documentation.


• You don’t have to collect information about various companies if you visit a neutral comparison portal to compare health insurance online.

  Health Insurance Schemes by Our Government of India

• Rashtriya Swasthya Bima Yojana (RSBY): This scheme of Government of India is especially launched to offer the health insurance benefits to the families that are below property line. This plan offers financial protection for the unorganized workers. Ministry of Labor and Employment under the Central Government has launched this scheme.


• Pradhan Matri Suraksha Bima Yojana: This Government scheme is beneficial for those families that belong to economically underprivileged sections of the Indian society. This scheme financially securing those families with a sum insured of up to Rs. 2 lakhs. It is specially designed to financially protect families and individuals against death, and partial and total disability.


• Aam Aadmi Bima Yojana: The scheme was launched in 2013. This government scheme has been tailor-made for addressing the 48 occupational groups or rural areas with landless households. The amalgamation of Aam Aadmi Bima Yojana (AABY) and Janashree Bima Yojana (JBY) has resulted in the newly formed scheme, named Aam Aadmi Bima Yojana. It offers medical insurance benefits to any one earning member of a family or the head of a family.


• Ayushman Bharat: This scheme is specially launched by Government of India with the aim of offering health insurance benefits of up to Rs. 5 lakhs to 50 crore to the people who belong to underprivileged families throughout India. Ayushman Bharat is an ambitious scheme covering even pre-existing disease. This health insurance scheme can be availed at government as well as private hospitals. In other words, this plan offers comprehensive health insurance benefits to the deprived families.


• Universal Health Insurance Scheme (UHIS): It is an effective initiative of Indian Government and was launched in 2003. This scheme provides quality healthcare to Indian families that are below as well as above the poverty line, especially BPL families. Under this scheme compensation of Rs.30, 000/- is given to the insured and his or her family against medical expenses due to hospitalization. Even death of the earning member of the family due to any mishap is covered in this scheme.

  How to Avail the Best Health Insurance in India?

Finding the best health insurance in India is a bit confusing and tough job. You can avail a plethora of benefits if you choose the best health insurance but the question is how? Well, it’s an easy process to unearth the best health insurance plan. It may take some time but it will be worth it.

First, all you have to do is compare health insurance plans online. You will have more options open when you compare health insurance online. You will have to have a basic know-how of the type of health plan you want to purchase. Thereafter compare health insurance plans offered by different health insurance companies depending upon the type of coverage you are looking for.

Best Health Insurance Policies in India from the Top Insurers

Why and How to Compare Health Insurance Policies ?

Not every health insurance company will offer you the same types of coverage or benefits. When you compare health insurance online, you will automatically amass the knowledge regarding the coverage offered by various insurers in India. You should also keep in mind that the cheapest mediclaim policy is not always the best when you compare health insurance quotes online. You should also take note that the online comparison of various insurance providers is the key to find the best health insurance in India.

Online comparison is the exclusive method to avail the best health insurance plan in India. Whether you buy insurance on individual basis or family floater basis, make sure you compare health insurance as per your coverage and budget. Furthermore you should compare health insurance quotes at the time of your health insurance renewal. Best health insurance Company in India is likely to provide you the best coverage at an affordable price. Some special discounts are also offered by the best health insurance company in India.

To compare health insurance plan all you need to do is to visit an insurance broking portal. Keep in mind that not all portals provide you the best results when you compare health insurance to purchase the best health insurance online. Therefore you should only use the best portal like GIBL.IN when you compare health insurance policies online. You can be rest assured to acquire the best health insurance thereafter. GIBL is dedicated toward providing its users the best health insurance in India for both when you buy and renew health insurance online.

Health Insurance Online

After you compare health insurance policies, you can move forward to purchasing the best health insurance online. You should check about the reputation of the health insurance company you are buying mediclaim insurance from. You should also check the range of network hospitals before you buy health insurance online. The best health insurance company in India is likely to have the largest network of hospitals. Therefore you can avail the best health insurance coverage from them.

  Health Insurance Renewal

Health insurance renewal has the same importance as buying one after you compare health insurance online. When you opt for the best health insurance online, you should concern yourself about renewal of your mediclaim policy on time. There are a few things to keep in mind when you go for health insurance renewal online such as the coverage, special add-on covers etc. You can also switch to a different insurer at the time of your health insurance renewal if better benefits are provided in exchange of the same premium you pay for your existing mediclaim plan. For online health insurance renewal, you will be required to provide your personal details such as the policy number etc. You should compare health insurance online before your health insurance renewal.

Health Insurance Claim Settlement Procedure

Though most people are concerned about how TPAs work, still many don’t know how health insurance claims are settled. The best health insurance company in India will settle your health claims as soon as possible. The time of health claim settlement may vary. For the claim on your mediclaim policy, the insured must approach the TPA for all formalities and verification process. It takes generally two days to settle claims for TPAs. Here’s how health insurance claims are settled.

• Cashless
  Cashless treatment can be availed only through the network hospital of your best health insurance company in India. You must intimate the TPA prior to pre-planned hospitalization, or within a specific time duration in case of an emergency. The hospital's insurance desk will assist you with all the paperwork. The TPA needs to approve the mediclaim amount and thereafter the insurance company will settle the bills with the hospital except some excluded costs that have to be settled from the pocket of the patient party directly.


• Reimbursement
  Reimbursement facility can be availed both at networked and non-networked hospitals by the patients. With this facility, you will have to settle your mediclaim bills directly with the hospital after treatment. Thereafter you can file health insurance claim reimbursement of the expenditures from the TPA by providing the relevant receipts and bills.

  Why Choose GIBL to Buy Health Insurance Online in India?

GIBL.IN is simply the best in the game of providing its customers the best results when they compare health insurance policies online using our website. We are a non-biased insurance portal that is devoted to fetch you only the best mediclaim policies from the best health insurance company in India. Whether you buy a new health policy or perform health insurance renewal through our site, you can be rest assure of receiving the best health insurance quotes on comparison. At GIBL you can compare health insurance plans offered by top insurers in India and get instant quotes. Furthermore you can compare health insurance policies online on the basis of specific features like network hospitals, waiting periods, maternity benefits, claim settlement ratio etc and choose the best health insurance company in India after comparison.

In short, GIBL.IN negotiates with the best health insurance companies in India on your behalf and brings to the table only the best mediclaim policies when you compare health insurance online so you can buy or renew health insurance online without any hassle.

  Top Health Insurance Companies in India

Drastic changes have taken place in the health insurance sector of India. The recent study conducted shows that approximately 27 percent of Indian population have health insurance plan. With the use of advanced technology and other options available in the market, the health insurance companies are aiming to cover a huge market value in a few years to come.

But before you choose any particular health insurance provider, you must get your facts straight. Because there are a number of best health insurance companies in India and in order to find out the best among the best, you will have to get yourself involved deeper into the facts and figures about all these private and public sector health insurance providers. Now let’s talk about some of the best health insurance companies in India in details.

Apollo Munich Health Insurance Company

Apollo Munich holds a considerable reputation and market in the healthcare industry in India. There’s no wonder why Apollo has been the choice of healthcare experts. Apollo Munich Health Insurance Company is a joint enterprise between Apollo Hospitals Group which is the largest integrated healthcare provider in Asia and Germany based Munich Health.

The company offers a number of effective health insurance plans that can be helpful on the basis of different needs of a policy buyer. Apollo Munich offers diverse healthcare products to supply for different needs of an entire family, senior citizen, individual and corporate companies.

Max Bupa Health Insurance Company Limited

Max Bupa is one of the well known providers of top health insurance plans in India. In the financial year 2014-15, Max Bupa Health Insurance Company has an Incurred Claim Ratio of 55.16%. Max Bupa offers their health insurance policies to individuals from all age groups. Max Bupa is a joint business enterprise between Max India Limited and UK based Bupa Finance PLC, UK.

Star Health and Allied Insurance Co Ltd

Star Health And Allied Insurance Company appears to be the first standalone health insurance company in India. Star Health offers a great deal in personal accident policies, health insurance policies, and travel insurance policies. Since the company offers a hassle-free claim settlement procedure, customers always go for Star Health as their preferred choice. Star Health and Allied Insurance Co Ltd also awarded with the "Claims Service Company of the year 2014” among 28 General Insurance Companies.

Cigna TTK Health Insurance Company

Cigna TTK Health Insurance Company is one of the providers of top healthcare products and certainly deserves a place among the best health insurance companies in India. Cigna TTK is basically a joint business enterprise between Cigna, is a worldwide insurance company and TTK Group, an Indian conglomerate company. Cigna TTK is a renowned health insurance company that offers a wide range of health insurance plans that can effectively suit the health insurance needs of a family and individual.

National Insurance Company Limited

National Insurance Company Limited is basically a public sector general insurance company that offers different health insurance policies. Health insurance plans from NICL are specifically designed to offer extensive coverage at affordable prices.

IFFCO Tokio General Insurance Company Limited

IFFCO Tokio General Insurance Company is one of the most admired providers of health insurance policies in India. IFFO Tokio is basically a joint business enterprise between Indian Farmers Fertilizer Co-operative (IFFCO) and its associates and Tokio Marine and Nichido Fire Group which is the largest listed insurer of Japan. IFFO Tokio General Insurance Company was incorporated in the year 2000. The company offers wide-ranging general insurance products to cope up with your hard times.

The New India Assurance Co Ltd

New India Assurance is yet another public sector provider of general insurance products in India. The New India Assurance Co Ltd operates in around 22 nations across India. The company was founded in 1919. New India has around 2097 offices all over India. The company offers a number of unique health insurance products at a comparatively affordable price. New India Assurance health insurance is allowing common people to avail the needful mediclaim policies at affordable prices.

The Oriental Insurance Co. Ltd

The Oriental Insurance Company Limited (OICL) was founded in the year 1947. The company has been providing a number of top healthcare products since incorporation. United India has laid low a smooth system for the better convenience of customers. The company has its headquarters in New Delhi. Oriental Insurance Co. Ltd. offers various healthcare products that can be effective to the needs of both urban and rural India population. Oriental Insurance Company is wholly owned and operated by the Government of India. The company also operates in Nepal, Kuwait, and Dubai.

SBI General Insurance Company Ltd

SBI General insurance company is a joint business enterprise between State Bank of India and Insurance Australia Group (IAG). SBI owns 74% of the total share while the 26% of capital is owned by IAG. SBI deals in a multi-distribution model encompassing through direct broking and retail channels, agency, and bancassurance. Presently SBI General Insurance Company has approximately 10,000 IRDA certified SBI and associate bank employees and round 4800 agents. SBI General Insurance Company is offering travel insurance, health insurance, motor insurance, personal accident insurance and home insurance policies for individuals and group personal accident, group health, construction and engineering for businesses.

Religare Health Insurance Co Ltd

Religare Health Insurance ranks as one of the best health insurance companies engaged in providing diverse health insurance policies in India. The strong shareholders of the company are Religare Enterprises, Union Bank and Corporation Bank of India. Religare Health Insurance Company is highly promoted by the founders of Fortis Hospitals. Health insurance products from the company are excelling in a business environment since the company is driven by serviceability.

  10 Things to Check before Buying Health Insurance Plans Online

There are a number of factors that you must consider while buying health insurance policy online. However, including every one of the factors would be both confusing and hard, so here are the 10 most important things that you must check while buying health insurance plans online in India.

• Sublimits on the Health Insurance Plan: While buying health insurance online, for most of the time we are inclined to ignore the sublimits on certain benefits and then regret afterwards. Therefore, it is important to ensure the limits on room rent, ambulance charges and other expenses so that these charges don’t end up devouring your lifelong savings later.


• Level of Coverage: Before buying health insurance online, firstly, you must check the coverage level of that particular health insurance plan. Even though the fundamental coverage remains the same, some absolute limits may vary in from one medical policy to another. Moreover, it’s always shrewd to go with a health plan that includes features that you may require and not overload yourself with needless features.


• Cashless Claim Feature: Cashless claim facility is one of the best benefits where a direct settlement of medical expenses takes place between the insurer and hospitals. This facility is basically offered under most health insurance plans when the patient undergoes any treatment in one of the hospitals that is listed in the network of hospitals with the insurance company.


• Entry Age: Checking the entry age is an important factor that you must consider if you wish to buy a family floater health insurance plan. You must check for the maximum age of parents/parents-in-law and dependent children if applicable.


• Waiting Period: Waiting period is basically a limited time period where exclusions of specific ailments/sickness are applicable. It’s always wise to check the waiting period earlier since different health insurance plans impose different waiting periods under them.


• Exclusions: It would be awfully disappointing if your medical condition or ailment is not covered under your health insurance plan at the time of a medical emergency. Thus, it is always wise that you read the policy documents carefully and be cautious of all the medical conditions which are excluded from your health insurance plan.


• Network of Hospitals: At the time of choosing a health insurance plan, the wisest move is to learn about the network of hospitals that are associated with the insurance company and offer cashless claim services. This facility gives you mental relief at times of medical emergencies.


• Premium: The premium that you are paying for a health insurance policy should always be kept in mind before buying the policy. The amount payable for your health insurance policy should be reasonable and suitable when compared to other medical insurance plans.


• Additional Benefits: When you check for the best health insurance plan online, it makes sense to seek for add-on riders attached with your health plan in order to increase the coverage, scope and benefits of the comprehensive mediclaim policy.


• Renewability: Nowadays, a perfect health insurance policy generally offers a lifelong renewal option on most health insurance plans. For this reason, renewability is a vital factor while choosing the right health insurance plan for your loved ones or yourself.

  Why Should You Buy Health Insurance Online?

Investing in health insurance policy is undoubtedly a good idea. However, it may seem like a weighty procedure. The conventional technique of purchasing health insurance was basically like this: contacting an insurance agent, read out those multifaceted clauses and not actually understand the real meaning of most of them.

An addition, the whole procedure was time consuming. This process, however, involved a lot of paperwork. But with the online methods of purchasing or renewing your health insurance plan, you don’t need to take any stress regarding all these.

Consequently, buying health insurance online has turn out to be the most preferred way of protecting one’s health for millennials. Some of the best benefits of buying health insurance online are stated below:

• Availability of All the Required Information: All the critical information associated with your health insurance plan is easily available online and therefore, there is absolutely no possibility that your agent can conceal or forget to share any information with you. Any information on health insurance that you might need is simply available on an all thorough platforms online.


• Save Big on Time: When you buy health insurance plan online you can easily save up on the effort of meeting an agent and the time that you waste on understanding compound terms and conditions of a policy. With all the required information accessible at the click of a button online, you can check everything that you need to know and secure your health effortlessly.


• Compare Health Insurance Plans Online: It can’t be denied that the booming presence of internet and technology has made our lives so much easier and simpler. With the help of web insurance brokers and aggregators, you can effortlessly compare a number of health insurance plans online as per your choice and then choose the plan which you think suits your needs and does not burn eat up your savings.


• Save Big on Premium: A numbered health insurance company offers lower premium when you choose to buy a health insurance policy from them online. Given that the agents are not allowed in this process, the company is now able to offer lower premium rates in health insurance policies in order to get individuals to buy health insurance and retain them.


• Premium Calculator: Valuable and effective online tools like health insurance premium calculator are available nowadays. This makes it tremendously suitable for the insured to calculate the health insurance premium that is to be paid and therefore, you can efficiently plan your finances accordingly.

  Mistakes That You Must Not Make While Buying Health Insurance

There are a bunch of mistakes that you are likely to make while buying a health insurance policy. Many people tend to make these blunders on a regular basis. Such types of carelessness results in the customer’s dissatisfaction with the coverage, terms and conditions and the customer care. And all these in the end lead to a bad review for the insurance company.

By opting for an ideal health insurance plan, both the customer as well as the company can have a reciprocally valuable relationship. To name some of the reasons why people are likely to make mistakes is basically the lack of information, lack of time, blindly trusting the agent, understanding the terms and conditions, skip reading and so on.

Some of the most common blunders that you must keep away from while buying a health insurance policy are stated below:

• Choosing to buy a health insurance policy without conducting enough research


• Buying a health insurance plan without asking any question and clarifying doubts


• Not going for adequate coverage overpowers the idea of buying a health insurance plan online


• Choosing not to read the health insurance policy document carefully


• Delaying in the purchase of an effective and ideal health insurance policy


• Not knowing about the network hospitals associated with your health insurance company


• Choosing to go with the coverage and add-on riders that are not relevant for your unique health insurance requirements


• Depending only on the health insurance policy that is provided by your employer

  Steps to Choose the Best Health Insurance Policy for Family in India

There are quite a few parameters that you must consider before you buying a health insurance plan for family. Some of them are stated below:

• Co-payment: This is one of the factors that one must consider. You must find out whether or not the health insurance plan you are purchasing for family provides a co-payment option. The co-payment option is basically a standard feature. It is defined as a fixed percentage of money that is to be paid by the insured when a claim is filed.


• Your Budget: You must consider the financial budget of your family, on the basis of how much coverage would be enough for the protection of all your family members.


• Compare Health Insurance Plans Online: It is a must that before you invest a single penny in a health insurance plan, you compare the health plans from the top insurers and choose the one that suits best for your needs.


• Number of Family Members: When buying a health insurance plan, you must consider the number of family members. Most health insurance providers in India generally cover up to 4 to 6 family members under their family floater health insurance policy plan.


• Addition of New Family Member: The addition a new member to the family is a moment of joy. Therefore, when purchasing health insurance online, you must also consider the circumstances in the policy if you wish to get the new family member added under the health insurance policy.


• Claim Settlement Procedure:Claim settlement process of any insurance company used to be a bulky process which generally forbids a person from purchasing a health insurance plan online. But today, all the health insurance companies provide an easy and hassle-free claim settlement procedure that makes it convenient for the insurance buyers.



  Things to Keep in Mind While Choosing the Best Health Insurance Policy in India

Selection of the best health insurance policy in India can be tricky because all health insurance companies come with similar health insurance plans in terms of coverage and premium. However, there are some vitals aspects that separate the best health insurance policies from the rest. So, you have to compare health insurance online to trace out the best health insurance plan in India. If you compare medical insurance online, you can purchase the best policy from the finest provider.

Financial Strength of the Health Insurance Company

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

Know Your Budget

Even though, you want the best health policy with a plethora of attractive features, you should select the policy online as per your budget only. In such case also, you have to compare health insurance online to find the best mediclaim policy that comes with affordable premium and attractive features.

Know Your Requirements

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

Claims Settlement Rate of Health Insurance Company

On the basis of claim settlement time and rate all health insurance companies in India are not equal. You should choose health insurance policy from such insurer which has highest claim settlement ratio. Providers of best health insurance in India come with best claim settlement record.

Understand Terms and Conditions

One of the keys to avail the best health insurance policy is to be aware of the terms and conditions. Once you read that part and be aware of exclusions, you can select the best 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.

Network Hospitals

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

Renewal Option

While purchasing health insurance policy in India, the renewal option is the first thing you have to check. Best medical insurance 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 renewal done in time to stay protected throughout your life.

Get Best Health Insurance from top Health Insurance Companies

• Max Bupa Health Insurance
• Apollo Munich Health Insurance
• New India Health Insurance
• Bajaj Allianz Health Insurance
• United India Health Insurance
• Oriental Health Insurance
• HDFC Ergo Health Insurance
• Bharti AXA Health Insurance
• National Health Insurance
• Star Health Insurance

Top Health Insurance Companies and Popular Policies

• Aditya Birla Health Insurance

• Apollo Munich Health Insurance

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• Bharti AXA Health Insurance

Smart Health Critical Illness | Smart Health Essential Insurance | Smart Health Insurance | Smart Individual | Triple Health Insurance Plan

• Cigna TTK Health Insuance

• HDFC Ergo Health Insurance

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Critical illness | Family Health Protector | Health Protector Plus Policy | Health Protector Policy | Individual Medishield | Swasthya Kavach Family Health

• Kotak Mahindra Health Insurance

• Max Bupa Health Insurance

Health Assurance Plan | Health Companion Plan | Heartbeat Family First Health Insurance Policy | Max Bupa Heartbeat

• National Health Insurance

Parivar Mediclaim for Family | Varistha Mediclaim Policy

• New India Health Insurance

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• Oriental Health Insurance

Senior Citizen Hope | Universal Health Scheme

• Reliance Health Insurance

Healthgain Policy | Healthwise Insurance | Individual Mediclaim Insurance

• Royal Sundaram Health Insurance

• SBI Health Insurance

• Star Health Insurance

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• Tata AIG Insurance

Criticare Family | Maharaksha Family | Tata AIG Mediprime | Wellsurance Family

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