BEST HEALTH INSURANCE PLANS IN INDIA

Securing a medical insurance policy is a smart move. If you've been on the lookout for the best health insurance policy in India, your search ends here. Quickinsure brings you the perfect solution to compare the most suitable quotes for you and your family. Compare options effortlessly and seal the deal with the best health insurance policy within minutes.

Ensure the safety of your loved ones during medical emergencies. In India, some might view health policies as unnecessary expenses, especially at a young age. True maturity, however, comes with understanding the significance and benefits of having a medical insurance policy in India.

 

 

Why Buy the Best Medical Insurance Policy?

Having the best health insurance is like having a safety net for your finances when health issues come up. It ensures that if you get sick or injured, you won't have to worry about paying huge medical bills. With good health insurance in India, you can go to quality hospitals and see specialists, which is crucial for getting the best care. The peace of mind it provides is invaluable, reducing stress during challenging times such as medical emergencies. It's a smart move to get health insurance early because you pay less, and it covers you for a longer time. It's not just about you; it keeps your family safe too, ensuring they don't have to stress about money if they face health issues. Some plans even cover preventive check-ups to catch problems early.

Health insurance also helps you be prepared for emergencies, adapting to your changing needs as you go through different stages of life. Plus, there are tax benefits, and in the long run, it's a way to save money and protect your savings from unexpected medical costs.

Types of Health Insurance Policies in India

There are various types of health insurance policies in India as listed below:

Individual Health Insurance

Individual health insurance policies in India provide personalised coverage for one person, addressing their specific healthcare needs. This ensures that medical expenses, ranging from routine check-ups to unforeseen emergencies, are covered, offering financial protection for individual health concerns. This insurance covers:

• Hospitalization
• Surgeries
• Diagnostic Tests
• Doctor Consultations
• Outpatient Care
• Preventive Healthcare
• Chronic Illnesses

Family Floater Health Insurance

Family floater health insurance simplifies coverage for the entire family under a single policy. It not only streamlines administrative aspects but also ensures cost-effectiveness. In case one family member requires higher medical expenses, the sum insured can be shared for:

• Hospitalization for Family Members
• Surgeries for Family Members
• Routine Check-ups for Family Members
• Coverage for Illnesses and Infections for Family Members
• Maternity Expenses (if applicable) for Family Members

Best Health insurance policies in India provide flexibility and financial assistance when needed.

Senior Citizen Health Insurance

Senior citizen health insurance policy is tailored to meet the unique healthcare challenges associated with ageing. It provides coverage for age-specific illnesses and medical conditions, offering financial assistance for hospitalizations, medications, and other healthcare needs that senior citizens may encounter. Below are the terms that cover senior citizen health insurance in India:

• Heart Ailments
• Diabetes-related Complications
• Joint-related Issues (Arthritis)
• Osteoporosis
• Vision and Hearing Problems
• Respiratory Conditions
• Age-related Cognitive Disorders
• Cancer
• Kidney-related Issues
• Stroke

Group Health Insurance

Group health insurance policy in India, offered by employers, ensures that employees have access to necessary medical care. It fosters a healthier workforce by providing coverage for:

• Routine Check-ups
• Illnesses and Infections
• Hospitalization
• Surgeries
• Maternity Coverage (in some policies)
• Emergency Care
• Outpatient Services
• Specialist Consultations
• Prescription Medications
• Preventive Healthcare

This type of insurance promotes employee well-being and contributes to a positive work environment.

Critical Illness Insurance

Critical illness insurance offers financial support when individuals are diagnosed with specific severe illnesses. The lump sum payment provided can be used to cover medical treatments, rehabilitation, or any other associated costs. This type of insurance helps in:

• Cancer
• Heart Attack
• Stroke
• Organ Transplant
• Kidney Failure
• Multiple Sclerosis
• Major Organ Failure
• Coronary Artery Bypass Surgery
• Paralysis
• Blindness

It eases the financial burden during challenging times, allowing individuals to focus on recovery.

Mediclaim Policy

Mediclaim policies, often referred to as health insurance, are there to help when you must stay in the hospital. If you get sick or hurt and need to go to the hospital, a Mediclaim policy makes sure you don't have to pay all the bills by yourself. It's like a financial safety net for your health, making sure you're taken care of without worrying too much about the money. Facilities covered under Mediclaim policy:

• Hospitalization 
• Surgeries
• Diagnostic Tests
• Doctor Consultations
• Outpatient Care
• Maternity Expenses (in specific policies)
• Pre and Post-hospitalization Expenses
• Day-care Procedures
• Emergency Ambulance Services
• Organ Transplant (in specific policies)

Maternity Health Insurance

Maternity health insurance is like a special helper for when a family is going to have a baby. When it's time to welcome a new member into the family, maternity health insurance is there to make sure that the important moments are joyful without having to stress about the hospital bills. It covers:

• Prenatal Check-ups
• Hospitalization for Delivery
• Postnatal Care
• Delivery-related Expenses
• Complications during Pregnancy and Childbirth
• Newborn Care (in some policies)
• Neonatal Intensive Care Unit (NICU) Expenses (in some policies)
• Maternity-related Surgeries (e.g., Caesarean section)
• Diagnostic Tests Related to Pregnancy
• Vaccinations for the Newborn (in some policies)

It's a way to take care of the family during this special time and make sure everyone stays healthy and happy. Choose the best medical insurance policy in India with Quickinsure.

Top-Up Health Insurance

Boosts coverage beyond your current health plan, stepping in after a set deductible for added financial protection.

Unit Linked Plans:

Blend life insurance with investment, tied to market performance, offering growth potential with flexibility.

Personal Accident Plan:

Provides lump sum for accidental death, compensates for disabilities, and covers accident-related medical expenses, ensuring comprehensive protection.

Things to Consider While Buying Health Insurance

You will find numerous options in India, but Quickinsure helps you to compare and buy the best health insurance plan in India for yourself and your loved ones. Here, we help you to buy a better plan that meets your needs, so always check that the below factors are included in your Health insurance policy! Ensure with Quickinsure!

• Coverage Limits
• Premium Costs
• Network Hospitals
• Pre-Existing Condition Coverage
• Claim Settlement Ratio
• Co-payment Requirements
• Policy Renewal Age
• Waiting Periods
• Maternity Coverage
• Deductible Amount
• Cashless Hospitalization Facility
• Geographical Coverage.

Conclusion

So, choose health insurance that pays for what you need, see if there are any costs you have to share, make sure it lasts as long as you need it, and find good insurance that helps with hospitalization expenses. That way, your health coverage takes good care of you when you need it the most.

FAQs - Frequently Asked Questions

Q1. What makes a health insurance policy the best in India?

Ans: The best one covers a lot, doesn't cost too much, and lets you go to good hospitals.

Q2.  Can I choose which hospital I go to with the best health insurance in India?

Ans: Yes, usually, the best health insurance lets you pick from certain hospitals for your treatment.

Q3. How does top-up health insurance differ from a regular plan?

Ans: Top-up health insurance adds extra coverage after a certain amount is spent, providing added financial protection.

Q4. How does group health insurance benefit employees?

Ans: Group health insurance, offered by employers, covers employees for check-ups, illnesses, and emergencies, promoting a healthier workforce.