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Best Health Insurance Plans FAQ

What Is Health Insurance?

Health insurance is a specific type of insurance policy that offers medical coverage to the insured against unforeseen medical bills in case of sudden hospitalization. Medical insurance ensures protection against diseases and injuries by directly paying the medical care provider on your behalf.

A comprehensive health insurance policy covers the cost of hospitalisation including pre and post-hospitalisation expenses, medical care at home (otherwise known as Domiciliary Hospitalisation), daycare procedures, ambulance charges, amongst others.

  • Cashless Treatment: Cash is something that may not be available to everyone all the time and that is the reason why cashless health insurance has taken a massive ground. In the event of hospitalization, if you are covered under a health insurance plan that provide 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 be your 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 offers cashless treatment facility to avail this benefit.


  • Covers Pre & Post Hospitalization Costs

    Health insurance policy covers all the expenses before the patient is admitted to a hospital and after discharge from the hospital up to a specific period given that such expenses are associated with the illness depending on the terms and conditions of the insurance company.


  • No Claim Bonus (NCB): No Claim Bonus (NCB) for health insurance stands for a specific amount of discount that you will 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 a mediclaim policy, you will come across the term stated as co-pay. Co-pay stands for a pre-specified amount that you have to pay before your 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 various 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 insurers to their existing policyholders for referring them to people.

  • 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 the lifetime of an insured person. However, 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 to buy.

  • Get Tax Benefits

    If you purchase a health insurance policy, you will be eligible to get tax benefits for the premiums paid under Section 80D of the Income Tax Act, 1961. Depending upon the age of the policyholder and his/her parents (if any), one can enjoy tax benefits up to a certain limit.


  • Restoration Benefit

    Restoration benefit under health insurance basically restore your Sum Insured amount automatically once the you have completely used your Sum Insured in a policy year. The insurance company will offer you this benefit you do not have to pay any additional cost for the same. However, the medical insurance plans with restoration benefits are expensive when compared to basic health insurance plans and are applicable on the word of the clauses of the policy.


  • Covers Organ Transplant Expenses

    Your health insurance company will bear the costs of organ transplantation since health insurance policy covers surgery expenses related to organ donation. However, keep in mind that costs for complications post surgery, medical tests and organ donor expenses are not covered under the same.

Different Types of Health Insurance Policies in India

Health Insurance plans 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 providing you with a brief description on different health insurance policies below:

Insurance Company Family Members CoveredPre-existing Disease Cover Hospitalization ExpensesCo-pay
Max Bupa Health Insurance Plans2 adults+2 children (i.e. 4 members of the family) After a waiting period of 2 years Pre: 30 days; Post: 60 days 20 percent (age>65 years)
HDFC ERGO Health Insurance Plans 2 adults+2 children (i.e. 4 members of the family) After a waiting period of 4 years Pre: 60 days; Post: 90 days N/A
Universal Sompo Health Insurance Plans 2 adults+2 children (i.e. 4 members of the family) After a waiting period of 3 years Pre: 60 days; Post: 90 days 20 percent (age>65 years)
Reliance Health Insurance Plans 2 adults+4 children (i.e. 6 members of the family) After a waiting period of 3 years Pre: 60 days; Post: 60 days 20 percent (age>61 years)
Star Health Insurance Plans 2 adults+2 children (i.e. 4 members of the family) After a waiting period of 4 years Pre: 30 days; Post: 60 days 20 percent (age between 61 - 65 years)
2 adults max (family of 6 members) After a waiting period of 3 years Pre: 60 days; Post: 180 days N/A
Bharti AXA Health Insurance Plans 2 adults+2 children (i.e. 4 members of the family) After a waiting period of 4 years Pre: 30 days; Post: 60 days N/A
Bajaj Allianz Health Insurance Plans 2 Adults+4 children (i.e. 6 members of the family) After a waiting period of 3 years Pre: 60 Days; Post: 90 Days 10% or 20% of the eligible claim amount as per the policy
National Health Insurance Plans 2 adults+4 children (i.e. 6 members of the family) After a waiting period of 4 years Pre: 30 days; Post: 60 days Zonal Co-pay
New India Assurance Plans 2 adults+4 children (i.e. 6 members of the family) After a waiting period of 4 years Pre: 30 days; Post: 60 days 10 percent in case of per-existing diseases
IFFCO Tokio Health Insurance Plans 2 adults+3 children (i.e. 5 members of the family) After a waiting period of 3 years Pre: 60 days; Post: 60 days N/A
Religare Health Insurance Plans 2 adults max (family of 6 members) After a waiting period of 4 years Pre: 30 days; Post: 60 days 20 percent (age>61 years) for first claim only

Not every medical 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 quotes online. You should also take note that the online comparison of various insurance providers is the key to find the best mediclaim policy 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 the policies as per your coverage and budget. Furthermore you should compare the quotes at the time of your policy renewal. The 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 insurers 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 policies to purchase the best mediclaim policies online. Therefore you should only use the best portal like GIBL.IN when you compare policies online. You can be rest assured to acquire the best health insurance thereafter. GIBL is dedicated toward providing its users the best medical policies in India for both when you buy and renew policy online.

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

  • 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.

Some of the Top Health Insurance Plans in India

Insurance Company Family Members CoveredPre-existing Disease Cover Hospitalization ExpensesCo-pay
Max Bupa Health Insurance Plans2 adults+2 children (i.e. 4 members of the family) After a waiting period of 2 years Pre: 30 days; Post: 60 days 20 percent (age>65 years)
HDFC ERGO Health Insurance Plans 2 adults+2 children (i.e. 4 members of the family) After a waiting period of 4 years Pre: 60 days; Post: 90 days N/A
Universal Sompo Health Insurance Plans 2 adults+2 children (i.e. 4 members of the family) After a waiting period of 3 years Pre: 60 days; Post: 90 days 20 percent (age>65 years)
Reliance Health Insurance Plans 2 adults+4 children (i.e. 6 members of the family) After a waiting period of 3 years Pre: 60 days; Post: 60 days 20 percent (age>61 years)
Star Health Insurance Plans 2 adults+2 children (i.e. 4 members of the family) After a waiting period of 4 years Pre: 30 days; Post: 60 days 20 percent (age between 61 - 65 years)
2 adults max (family of 6 members) After a waiting period of 3 years Pre: 60 days; Post: 180 days N/A
Bharti AXA Health Insurance Plans 2 adults+2 children (i.e. 4 members of the family) After a waiting period of 4 years Pre: 30 days; Post: 60 days N/A
Bajaj Allianz Health Insurance Plans 2 Adults+4 children (i.e. 6 members of the family) After a waiting period of 3 years Pre: 60 Days; Post: 90 Days 10% or 20% of the eligible claim amount as per the policy
National Health Insurance Plans 2 adults+4 children (i.e. 6 members of the family) After a waiting period of 4 years Pre: 30 days; Post: 60 days Zonal Co-pay
New India Assurance Plans 2 adults+4 children (i.e. 6 members of the family) After a waiting period of 4 years Pre: 30 days; Post: 60 days 10 percent in case of per-existing diseases
IFFCO Tokio Health Insurance Plans 2 adults+3 children (i.e. 5 members of the family) After a waiting period of 3 years Pre: 60 days; Post: 60 days N/A
Religare Health Insurance Plans 2 adults max (family of 6 members) After a waiting period of 4 years Pre: 30 days; Post: 60 days 20 percent (age>61 years) for first claim only

Why to Compare Health Insurance Policies at GIBL.IN?

Not every health insurance company will offer you the same types of coverage and benefits. When you compare health insurance policies online at GIBL.IN, you will automatically amass the knowledge regarding the coverage offered by various insurers in India.

However, in this context, you should also keep in mind that opting for cheapest mediclaim policy is not always the best choice when you compare health insurance quotes online. You should also take note of the fact that the online comparison of various insurance providers is the key to find the best health insurance in India remains intact to this very day.

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.

  • Here's what you will get when you choose GIBL.IN for comparing health insurance plans online:
  • GIBL.IN offers free and unbiased comparison of different health insurance policies.
  • We facilitate our customers to compare health insurance plans from the top insurers within a minute.
  • You can buy the best medical insurance policy at GIBL.IN as per your needs in 3 minutes.
  • All you have to do is provide your basic information. And we will search for the best health insurance plans for you or your family in a few seconds. In addition to that, we will offer relevant quotes on the basis of benefits, cost, riders, features, exclusions, and much more.
  • You will have all the health plans are online right on your fingertips. You can purchase the health policy instantly by paying online through our site.
  • We provide health policy comparison from leading insurers such as Star Health, Religare Health, Max Bupa, Tata AIG, Bajaj Allianz, Bharti AXA, ManipalCigna, National Insurance, etc.

GIBL.IN is dedicated toward providing its users with the best health insurance plans in India be it for first time purchase or second time renewal.

Health Insurance Claim Settlement Procedure

Although most people are concerned about how TPAs work, still many don’t know how health insurance claims are settled. A good health insurance company will settle your health claims as soon as possible. However, the time it may to settle a health claim 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 to file a health insurance with your insurance provider.

Although most people are concerned about how TPAs work, still many don’t know how health insurance claims are settled. A good health insurance company will settle your health claims as soon as possible. However, the time it may to settle a health claim 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 to file a health insurance with your insurance provider.

    Cashless Health Insurance Claim Process

  • 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 Health Insurance Claim Process

  • 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.

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. You will have to wait for this waiting period before your insurer starts covering pre-existing diseases (if any). It’s always wise to check the waiting period earlier since different health insurance plans impose different waiting periods under different plans.

  • 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.

  • 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.

  • 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 to Avoid 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

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.

Why Health Insurance Policyholders Go for Portability?

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

There are many reasons why policyholders choose to port their mediclaim policy. Mediclaim policyholders change insurers if they find an insurer with better deals. Sometimes, inefficient services by existing providers force policyholders look for a new medical 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 mediclaim policy in India to another insurer for free.

  • Both individual mediclaim policy and family floater policies are eligible for mediclaim policy portability.

  • All benefits earned by medical insurance policyholder regarding waiting period and NCB are retained when they port the mediclaim policy to new insurance provider.

Conditions regarding medical policy 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 medical cover 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 insurer and the new insurer where mediclaim insurance policy will be ported must be aware of this decision of policyholders.

  • New medical 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 mediclam policies 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 policies and select from an abundance of policies. You don’t have to buy the plans typically offered by the agents. By choosing to go for online medical policies, 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 policy online or renew the policy 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 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 medical 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 mediclaim policy 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 online. You will have to have a basic know-how of the type of health plan you want to purchase. Thereafter, compare the 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

Max Bupa Health InsuranceCoverageIncurred Claim RatioWaiting PeriodRenewabilityNetwork Hospitals
Max Bupa Health Insurance Plans4 members of the family (2 adults + 2 children)51.96%4 yearsLifelongOver 3500
HDFC ERGO Health Insurance4 members of the family (2 adults + 2 children)76.90%4 yearsGuaranteed Lifelong RenewalOver 5000
Bharti AXA Health Insurance4 members of the family (2 adults + 2 children)76.88%4 yearsLifelongOver 5000
SBI Health Insurance4 members of the family (2 adults + 2 children)75.01%1 to 4 yearsLifelongOver 3000
Bajaj Allianz Health Insurance6 members of the family (2 adults + 4 children)78.50%4 yearsLifelongOver 3700
Reliance Health Insurance6 members of the family (2 adults + 4 children)92.23%4 yearsLifelongOver 4000
National Health Insurance6 members of the family (2 adults + 4 children)97.25%4 yearsLifelongOver 6000

Why and How to Compare Health Insurance Policies ?

Not every medical 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 quotes online. You should also take note that the online comparison of various insurance providers is the key to find the best mediclaim policy 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 the policies as per your coverage and budget. Furthermore you should compare the quotes at the time of your policy renewal. The 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 insurers 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 policies to purchase the best mediclaim policies online. Therefore you should only use the best portal like GIBL.IN when you compare policies online. You can be rest assured to acquire the best health insurance thereafter. GIBL is dedicated toward providing its users the best medical policies in India for both when you buy and renew policy online.

Health Insurance Online

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

Health Insurance Renewal

Health insurance renewal has the same importance as buying one after you compare policy online. When you opt for the best medical policy 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 the renewal online such as the coverage, special add-on covers etc. You can also switch to a different insurer at the time of your policy renewal if better benefits are provided in exchange of the same premium you pay for your existing mediclaim plan. For online medical policy renewal, you will be required to provide your personal details such as the policy number etc. You should compare different policies 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 medical 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 policy renewal through our site, you can be rest assure of receiving the best quotes on comparison. At GIBL you can compare diverse plans offered by top insurers in India and get instant quotes. Furthermore you can compare policies online on the basis of specific features like network hospitals, waiting periods, maternity benefits, claim settlement ratio etc and choose the best insurer in India after comparison.

In short, GIBL.IN negotiates with the best medical companies in India on your behalf and brings to the table only the best mediclaim policies when you compare policies 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 Mediclaim sector of India. The recent study conducted shows that approximately 27 percent of Indian population have mediclaim 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 policy provider, you must get your facts straight. Because there are a number online medical 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 insurers providers. Now let’s talk about some of the top 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 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 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.

ManipalCigna Health Insurance Company

ManipalCigna Health Insurance Company is one of the providers of top healthcare products and certainly deserves a place among the best insurers 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 insurer that offers a wide range of plans that can effectively suit the 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 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 companies engaged in providing diverse medical insurance policies in India. The strong shareholders of the company are Religare Enterprises, Union Bank and Corporation Bank of India. The Company is highly promoted by the founders of Fortis Hospitals. Mediclaim 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 medical 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 policy 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 policy online, firstly, you must check the coverage level of that particular mediclaim policy. 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 medical policy.

  • 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 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 mediclaim policy generally offers a lifelong renewal option on most health insurance plans. For this reason, renewability is a vital factor while choosing the right policy 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 mediclaim policy 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 mediclaim policies 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 insurers offers lower premium when you choose to buy a medical 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 mediclaim 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 premium that is to be paid and therefore, you can efficiently plan your finances accordingly.

Mistakes That You Must Not Make While Buying Mediclaim Policy

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 medical cover, 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 mediclaim policy are stated below:

  • Choosing to buy a medical policy without conducting enough research

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

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

  • Choosing not to read the policy document carefully

  • Delaying in the purchase of an effective and ideal mediclaim policy

  • Not knowing about the network hospitals associated with your insurer

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

  • Depending only on the 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 medical 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 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 mediclaim 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 a policy online, you must consider the number of family members. Most insurers in India generally cover up to 4 to 6 family members under their family floater plan.

  • Addition of New Family Member: The addition a new member to the family is a moment of joy. Therefore, when purchasing mediclaim policy 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 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.

  Why Health Insurance Policyholders Go for Portability?

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

There are many reasons why policyholders choose to port their mediclaim policy. Mediclaim policyholders change insurers if they find an insurer with better deals. Sometimes, inefficient services by existing providers force policyholders look for a new medical 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 mediclaim policy in India to another insurer for free.

  • Both individual mediclaim policy and family floater policies are eligible for mediclaim policy portability.

  • All benefits earned by medical insurance policyholder regarding waiting period and NCB are retained when they port the mediclaim policy to new insurance provider.

Conditions regarding medical policy 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 medical cover 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 insurer and the new insurer where mediclaim insurance policy will be ported must be aware of this decision of policyholders.

  • New medical 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 mediclam policies 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 policies and select from an abundance of policies. You don’t have to buy the plans typically offered by the agents. By choosing to go for online medical policies, 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 policy online or renew the policy 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 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 medical 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 mediclaim policy 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 online. You will have to have a basic know-how of the type of health plan you want to purchase. Thereafter, compare the 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

Max Bupa Health InsuranceCoverageIncurred Claim RatioWaiting PeriodRenewabilityNetwork Hospitals
Max Bupa Health Insurance Plans4 members of the family (2 adults + 2 children)51.96%4 yearsLifelongOver 3500
HDFC ERGO Health Insurance4 members of the family (2 adults + 2 children)76.90%4 yearsGuaranteed Lifelong RenewalOver 5000
Bharti AXA Health Insurance4 members of the family (2 adults + 2 children)76.88%4 yearsLifelongOver 5000
SBI Health Insurance4 members of the family (2 adults + 2 children)75.01%1 to 4 yearsLifelongOver 3000
Bajaj Allianz Health Insurance6 members of the family (2 adults + 4 children)78.50%4 yearsLifelongOver 3700
Reliance Health Insurance6 members of the family (2 adults + 4 children)92.23%4 yearsLifelongOver 4000
National Health Insurance6 members of the family (2 adults + 4 children)97.25%4 yearsLifelongOver 6000

Why and How to Compare Health Insurance Policies ?

Not every medical 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 quotes online. You should also take note that the online comparison of various insurance providers is the key to find the best mediclaim policy 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 the policies as per your coverage and budget. Furthermore you should compare the quotes at the time of your policy renewal. The 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 insurers 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 policies to purchase the best mediclaim policies online. Therefore you should only use the best portal like GIBL.IN when you compare policies online. You can be rest assured to acquire the best health insurance thereafter. GIBL is dedicated toward providing its users the best medical policies in India for both when you buy and renew policy online.

Health Insurance Online

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

  Health Insurance Renewal

Health insurance renewal has the same importance as buying one after you compare policy online. When you opt for the best medical policy 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 the renewal online such as the coverage, special add-on covers etc. You can also switch to a different insurer at the time of your policy renewal if better benefits are provided in exchange of the same premium you pay for your existing mediclaim plan. For online medical policy renewal, you will be required to provide your personal details such as the policy number etc. You should compare different policies 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 medical 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 policy renewal through our site, you can be rest assure of receiving the best quotes on comparison. At GIBL you can compare diverse plans offered by top insurers in India and get instant quotes. Furthermore you can compare policies online on the basis of specific features like network hospitals, waiting periods, maternity benefits, claim settlement ratio etc and choose the best insurer in India after comparison.

In short, GIBL.IN negotiates with the best medical companies in India on your behalf and brings to the table only the best mediclaim policies when you compare policies 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 Mediclaim sector of India. The recent study conducted shows that approximately 27 percent of Indian population have mediclaim 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 policy provider, you must get your facts straight. Because there are a number online medical 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 insurers providers. Now let’s talk about some of the top 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 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 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.

ManipalCigna Health Insurance Company

ManipalCigna Health Insurance Company is one of the providers of top healthcare products and certainly deserves a place among the best insurers 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 insurer that offers a wide range of plans that can effectively suit the 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 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 companies engaged in providing diverse medical insurance policies in India. The strong shareholders of the company are Religare Enterprises, Union Bank and Corporation Bank of India. The Company is highly promoted by the founders of Fortis Hospitals. Mediclaim 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 medical 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 policy 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 policy online, firstly, you must check the coverage level of that particular mediclaim policy. 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 medical policy.

  • 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 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 mediclaim policy generally offers a lifelong renewal option on most health insurance plans. For this reason, renewability is a vital factor while choosing the right policy 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 mediclaim policy 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 mediclaim policies 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 insurers offers lower premium when you choose to buy a medical 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 mediclaim 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 premium that is to be paid and therefore, you can efficiently plan your finances accordingly.

  Mistakes That You Must Not Make While Buying Mediclaim Policy

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 medical cover, 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 mediclaim policy are stated below:

  • Choosing to buy a medical policy without conducting enough research

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

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

  • Choosing not to read the policy document carefully

  • Delaying in the purchase of an effective and ideal mediclaim policy

  • Not knowing about the network hospitals associated with your insurer

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

  • Depending only on the 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 medical 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 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 mediclaim 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 a policy online, you must consider the number of family members. Most insurers in India generally cover up to 4 to 6 family members under their family floater plan.

  • Addition of New Family Member: The addition a new member to the family is a moment of joy. Therefore, when purchasing mediclaim policy 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 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 companies come with similar mediclaim policies in terms of coverage and premium. However, there are some vitals aspects that separate the best policies from the rest. So, you have to compare mediclaim policy online to trace out the best health policy 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 insurer should be financially strong so that you can rest assured that if you make any claim, your health policy 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 mediclaim policy from such insurer which has highest claim settlement ratio. Providers of best policies 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 a quality mediclaim policy online.

    Network Hospitals

    Network hospital of the insurance provider 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 mediclaim 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.

    Cashless Hospital List

    When is the best time to purchase health insurance?

    There is no correct or incorrect age to purchase health insurance. However, it is recommended that you purchase it as soon as possible in order to keep your premium low. Because you have a lower risk of health issues at a young age than someone in their mid-50s or 60s, who is more prone to critical illnesses, the earlier you buy health insurance, the lower the premium. As a result, if you get health insurance in your 30s, you will be able to get the most out of your policy while also paying a lower premium.

    At what age can my children be added to my health insurance plan?

    From the first day, you can include your children in a family floater coverage. Children are covered by various health insurance starting at the age of 91 days. However, you should carefully read the terms and conditions of a health plan to learn about the admission age for children.

    Is a medical exam required to purchase health insurance?

    Medical tests are not required prior to purchasing a health insurance policy. Most Indian health insurance firms, however, require medical test records if the candidates are over 45 years old. Depending on the applicant's age and the insurer's requirements, different types of medical tests may be necessary.

    In a health insurance coverage, what does "cashless hospitalization" mean?

    Cashless hospitalization refers to when the insured's in-patient treatment costs are paid straight to the hospital by the insurance company. In India, all insurance companies offer a broad network of hospitals with which the insured/policyholder can receive cashless care for an illness or an accident.

    What is the Sum Insured of health insurance coverage?

    The maximum amount that the insurance company will pay to the policyholder in the event of a claim due to illness or an accident is referred to as the sum insured. It is the maximum claim amount that your health insurer will pay to cover your medical bills under your policy. It's also known as "maximum coverage" in the context of health insurance.

    In health insurance, what is a free-look period?

    In the case of health insurance, the free-look period is the first 15 days after the policy starts. During this time, you can review your health insurance policy's features, coverage, and other aspects to determine if you want to keep it or not. During this time, you can also purchase add-on covers. You will not be charged a cancellation fee if you decide to cancel the insurance during this time.

    Is it possible for an individual to have multiple health insurance policies?

    Yes, you can purchase multiple health insurance policies in India. You can receive an individual or family floater health insurance coverage if you are covered under a company health plan, for example. You can also purchase a top-up health plan or a senior citizen health insurance plan for your parents if you already have individual health insurance.

    What are pre-existing diseases or problems, and how can you know whether you have them?

    Pre-existing diseases are any health problems or illnesses that have been diagnosed prior to the purchase of a health insurance coverage. Insurance companies are hesitant to cover such conditions because they are more expensive. As a result, pre-existing diseases are usually covered after a two- to four-year waiting time. Furthermore, each insurance company's terms and conditions for such illnesses are different. While some companies prefer to evaluate a person's whole medical history to see whether they have any pre-existing conditions, others look for medical data from the last four years.

    I have a group health insurance plan from my employer; do I need to get a separate health insurance plan?

    For better coverage, you must purchase a separate health insurance policy in addition to your employer's health insurance policy. In most cases, the sum insured under an employer's health insurance is between Rs 2 lakh and Rs 5 lakh, which may not be enough in light of current medical inflation. It is necessary to have a separate health insurance plan of at least Rs 10 lakh to cover the different pricey treatment charges.

    Is it possible for my friend, who is not an Indian national but lives in India, to purchase a health insurance policy?

    Foreigners living in India are eligible to apply for health insurance. However, the broadcast will only be available in India.

    How do I add my family members to my current medical insurance plan?

    You can add family members to your health insurance policy at any time, whether you're renewing or purchasing it. A family health insurance plan can cover you, your spouse, dependent children, parents, and parents-in-law, depending on the terms and conditions.

    When can I use my health insurance policy?

    Each policy has a waiting period after which your coverage kicks in. Most health insurance policies have a 30-day waiting period, but you should double-check with your provider.

    What documentation must be presented while acquiring health insurance?

    Purchasing a health insurance coverage does not necessitate the submission of any paperwork. If you are a senior person, you may just be required to attend a pre-policy medical examination. When you need to file a claim with your insurer, you must have legitimate proof of your identification, address, age, and so on.

    How can I file a complaint with the health insurance company since my claim has not been resolved? Or, if I am dissatisfied with the amount of the processed claim, how can I file a complaint against the insurer?

    To begin, file a complaint with the insurance company's internal complaints/grievance redressal department. If you are still dissatisfied with the insurer's response, you can file a complaint with IRDAI. You can file a complaint through the IRDAI Portal at https://igms.irda.gov.in, by email at complaints@irdai.gov.in, or by phone at 155255 or 1800 4254 732.

    What if I currently have a health insurance coverage but want to raise the amount of money I'm covered for?

    You can increase the sum insured on your existing health insurance policy when you renew it. If increasing the sum insured under your current policy is not possible, you can purchase a top-up plan or another health policy to broaden your coverage.

    What role does health insurance play?

    Health insurance safeguards your savings against the high cost of medical treatment. It allows you to receive high-quality health care at the best hospitals and medical treatment centres without having to worry about hefty expenditures. It also aids in the reduction of your tax liability.

    Will I be covered if I'm admitted to a hospital that isn't in my network?

    Yes, if you are admitted to a non-network hospital, your health insurance coverage will still cover you. The only difference is that instead of receiving cashless treatment, you will have to pay the bills and then file for reimbursement.

    What is a health insurance plan's No-Claim Bonus?

    A No-Claim Bonus is a reward offered by an insurance company to a policyholder who has gone a year without filing a claim, i.e. has not filed a claim in the preceding year. This benefit comes in the form of a 5% or 10% increase in the sum insured for the same payment.

    Is outpatient care covered by a health insurance plan?

    Yes, outpatient fees such as OPD charges for doctor consultations are covered by health insurance policies. Because not all health insurance policies cover these costs, it's a good idea to read the policy booklet before purchasing one.

    When will I be able to file a claim under my health insurance policy?

    In the event of an accident or if any of your covered family members require medical treatment, you can make a health insurance claim. You can file a claim if the condition or treatment costs are covered by your health insurance plan.

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