Which Medical Insurance Is Best In India?

How to Choose the Best Medical Insurance in India

There are a lot of medical health insurance plans available in India. However, you need to consider the one that best suits you. 

Some of the top-notch insurance amenities that you must look out for are as follows: 

1. Health Insurance for Senior Citizens 
A major advantage of a good health insurance company is that it offers complete coverage for older people. The insurance should make getting treatment easy by providing a policy that fits their needs. Make sure that such a health insurance scheme is also providing complete coverage for pre-existing diseases as well as for adults. The benefits you can get under such senior citizen health schemes are as follows: 

●Insurance sums of up to Rs. 25,00,000. 
●Room boarding and nursing expenses up to Rs. 10,000. 
●ICU charges coverage up to 2% of the actuals in cases of Rs. 10 lakhs insured sum. Over Rs. 10 lakhs, the ICU charges are covered till the actuals. 
●Daycare and health check-up schemes are also available. 

2. Automatic Restoration 
This is one of the important features to check for in order to get the best health insurance in India. Under such features, the sum insured is automatically restored in case your original amount runs out during the policy period. 
Thus, you continuously get the advantage of getting the medical attention needed without exhausting your coverage. Such benefits are particularly useful if you are hospitalised more than once in a year.

3. Coverage for AYUSH 
Nowadays, many health insurance policies are available that only consider allopathic treatments. However, with the best health insurance company in India, you can get coverage for AYUSH medications. 
With the policies of the Government of India and current research regarding side-effect-free medications, AYUSH is one of the relevant treatment methods. The best health insurance in India must also consider Ayurveda, Yoga, Unani, Siddha and Homeopathy treatments in India. 

4. Faster Claims Settlement
A professional and responsible health insurance institute in India is going to offer you faster claims settlement. Top companies have a record of faster claims settlement, with 90% of claims settled within 2 hours and 92% settled within a week. 

5. 24/7 Claims Settlement 
Another feature to look for in the top health insurance companies in India is faster all-day connectivity. Medical emergencies can occur anytime, and in such a case, it is always necessary to get easy connectivity with health insurance providers. 

6. Comprehensive Coverage Network
The top healthcare companies in India also need to have access to more than 1600+ diagnostic centres. Due to such extended coverage, you can get the best medical facilities from the best hospitals. Such features are important as you cannot get all the specialists under the same roof; some may treat lung-related issues, while others may not. 
Opting for companies like Star Health helps you get the best benefits and subscribe to proper health care. Check for the features mentioned and choose your policy carefully.