Which health insurance is best in India?

How to find the best health insurance policy in India

The best health insurance in India depends on individual needs, such as coverage, premiums, network hospitals, and additional benefits. Before finalising any insurance, an individual should check a few basic factors. There is a diverse range of health insurance available in India. The premium insurance policy in India provides comprehensive coverage such as cashless treatment, pre and post-hospitalisation charges, and no-claim bonuses. Choosing the best insurance policy depends on some essential aspects, which have been discussed below:

Deciding which is the best health insurance plan in India depends on its primary aspect, which is the coverage amount. The higher sum insured can save one during a medical crisis. In the urban areas, the health costs are rising day by day. One should look for an option that would be sufficient for one's financial situation.
The best insurance policy has vast numbers of network hospitals. One who is looking for a health insurance plan should check the network of cashless hospitals.
The best insurance plan in India must provide benefits for pre-existing conditions, too, after a certain waiting period.
Go for those policies that offer add-ons like maternity cover, critical illness, or outpatient treatment.

These are the primary aspects one should check while considering insurance plans in India. There are different types of plans available, from individual plans to personal accident plans. Following are the types of insurance plans that you can opt for:

Individual plans: This plan is applicable to single individuals.
Family floater plans: This is for the entire family under one sum insured. This plan is beneficial and cost-effective for those looking for family insurance.
Personal accident plans: This is for the accidents and their associated medical expenses.
Critical illness plans: They offer a huge amount once the critical illness is confirmed.

While checking on for the best health insurance policy, one should be aware of the details of the waiting period. The waiting period can range from 30 days to 4 years. Such a period is likely to be implied for the pre-existing conditions. The second most essential thing is to look for the exclusions in a specific insurance plan. Often, there are exclusions in the following categories:

Registration fees in hospitals
Cosmetic procedures
Certain illnesses within the waiting period and many others

This is suggested to check for such conditions before starting on any insurance plan. Along with these, one should thoroughly check the premium structure because it varies based on age, health conditions, and coverage amount. Check the policies with Star Health because they have a diverse range of policies to cater to individual needs. It even offers an insurance policy that helps an individual throughout the claim settlement process.

Choosing the best health insurance plan in India is a subjective decision. It can vary based on one's personal needs. The above-mentioned details would help an individual check for premium offers that will provide adequate protection to insured individuals. One can buy insurance online or offline; no matter what, it brings its own pros and cons.