"Which mediclaim company is best?" is a bit like asking "which is the best car?" as there is no single answer that fits everyone. The best mediclaim company for you will depend on your individual needs and preferences.
When deciding which company is best for you, consider the following factors:
-Claims settlement process: The most important factor is the company's claims settlement process. Look for companies that have a reputation for a fast, efficient and transparent claims settlement process. Check for customer reviews and ratings to get an idea of how satisfied people are with the claims settlement process of a particular company.
-Network hospitals: The next important factor is the network of hospitals associated with the company. Look to see if the company covers the hospitals near your locality and if they have tie-ups with the hospitals where your family has been getting treatment in the past.
-Coverage: Since you are opting for mediclaim policy, check to see if the company covers the pre-existing medical conditions, maternity expenses, emergency overseas medical assistance, domiciliary hospitalization, daycare treatment etc.
-Premiums: Lastly, check to see if the premium amount you are being charged by the company is affordable and within your budget.
Once you have taken all these factors into consideration, do an online search to compare the different mediclaim policies available in India and make an informed decision about which policy is best for you.
You can also get some helpful advice from financial advisors who have adequate knowledge about mediclaim insurance policies.
I hope this helps!