It is difficult to say which government mediclaim is the best since it largely depends on the individual's needs, budget and type of coverage he/she is looking for. To find the best mediclaim policy for yourself, it is important to weigh different advantages and disadvantages of different mediclaim policies from different insurers.
Here are some factors to consider while evaluating any mediclaim policy:
Coverage: The plan should cover all your healthcare needs. Check if the plan covers pre- and post-hospitalization charges, day care procedures, etc.
Premium: Check the premium amount to figure out if you can afford it. Generally, lower the premium amount, lower the coverage and vice versa.
Claim Approval: Sometimes even after having insurance, the hospitalization bills remain unpaid before you make the claim. Check the rate of claim approval by the insurer, to find the best mediclaim policy.
Network hospitals: Make sure that the hospitals you visit frequently are part of the insurer’s network.
Cashless facility & Co-payment: Check if the insurer offers cashless facility at the hospitals where you are likely to be hospitalized. Also check if the insurer has co-payment feature in its mediclaim policy.
Additional Benefits:Check for any additional benefits such as health check-up benefits, tax benefit, ambulance cover, etc.
You can read detailed reviews about different mediclaim policies offered by different insurers at https://www.policybazaar.com/health-insurance/ and make an informed decision.
In conclusion, the best mediclaim policy is the one that meets your requirements and comes at an affordable premium. So make sure to evaluate the different mediclaim policies offered by different insurers before purchasing one.