Which Health Insurance is Best in India?

Health Insurance in India: the Best Options for Your Needs

Due to the constantly increasing healthcare costs and the abruptness of medical disasters, everyone needs health insurance. It ensures that people can face medical emergencies without exhausting their finances – through individual plans or group coverage provided by their employers.

However, to ensure that you get guaranteed coverage during a planned hospitalization or medical emergency, choosing the best health insurance in India is a must.  

Which is the Best Health Insurance Provider in India?

When it comes to the best health insurance provider in India, Star Health Insurance stands out for its comprehensive coverage and customer-first approach. Here are some of its key features:

●Sum insured of up to ₹2 crores 
●Access to 14,000+ hospitals across India 
●Covers pre- and post-hospitalization expenses, ambulance costs, personal accidents and more
●90% of cashless claims settled under 2 hours
●92% of reimbursement claims are settled within 2 weeks
●24/7 customer helpline for claim intimations, queries and telehealth services
●India's first standalone health insurance company with an in-house claim settlement team.   

Additional perks include wellness programs, access to 1,635+ diagnostic centres, and discounted e-pharmacy services. 

Why is Purchasing the Correct Health Insurance Policy Important?

Here are a few reasons why buying the right health insurance plan is essential:

●Having the right sum insured ensures that you get adequate coverage for your healthcare needs. 
●Choosing the right policy type is crucial to getting the exact type of coverage you need. For instance, for coverage-related medical requirements, one should go for a senior citizen health plan. Meanwhile, for illnesses like cardiovascular disease, cancer, etc., individuals must opt for a critical health insurance policy. 
●The correct health insurance plan also provides cashless treatment at your preferred hospitals and facilitates quick access to medical care during emergencies. 
●Selecting the right plans also offers coverage for pre-and post-natal expenses, maternity care and more.  

Things to Consider Before Selecting Health Insurance Plans

Before selecting a health insurance plan, you should take into account the following elements:

Claim Process
When selecting a health insurance plan, the claim procedure is a crucial consideration. Although it will tend to differ among insurers, consider choosing a plan that offers digital claim settlement. 
Furthermore, the policy should have both cashless and reimbursement claims, enabling you to choose as per your requirements. 

Sum Insured and Policy Type
Check out the extent of coverage provided by your health insurance plan and ensure that the sum insured is enough to cater to your medical needs. Also, assess your healthcare needs before choosing the policy type. 
For instance, people who are at increased risk of chronic diseases can go for critical health insurance plans.   

Network Hospitals
When selecting a health insurance plan, you should also consider whether the hospital network covers all the leading healthcare institutions in your area. If they don't, it can be challenging for you to receive care in that region during a medical emergency.  

If you are looking for a health insurer that checks all the boxes, look no further than Star Health. We have a wide range of plans for individuals, families, and senior citizens, covering a variety of medical conditions. 

Also, you can opt for up to 21 optional covers to customize the policy coverage as per your requirements. 

Call now and let us help you choose the best health insurance plan!