Health insurance is an important financial tool to get essential healthcare services in India at an affordable cost. With a wide range of family health insurance plans available, choosing the best plan can be tricky.
Here are some points that can help you pick the best health insurance for family in India:
Coverage: Look for a health insurance plan that provides the widest coverage for your family. Make sure the plan covers in-patient treatment, pre- and post-hospitalization expenses, day-care procedures, emergency ambulance services, etc.
Network hospitals: Most insurance companies have a network of hospitals across the country. It is important to check if your preferred hospital is part of the network. If not, make sure to check if the policy allows you to get treated outside the network.
Claim process: The insurance company should have a hassle-free claim process with minimal paperwork. Ensure that the insurer offers financial support in case of critical illness and procedures like organ transplant.
No claim bonus: This is an added advantage – a no claim bonus helps you save money with each claim free year.
Policy renewal option: Renewal of the policy is just as important as buying a new policy. Many insurance companies now allow renewal of existing health insurance policies up to the age of 65.
It is important to read the disclaimer and check the fine print of the policy before signing up. Investing time in researching the options available online can be extremely beneficial. You can compare health insurance plans online to get the best deals and greater coverage for your family.
I hope this information helps you in deciding which health insurance policy is best for your family in India.
