When it comes to selecting the best insurer for a mediclaim policy, there isn't really one 'best' insurer as every person's needs and preferences are unique.
Here are some factors you should consider when selecting the best mediclaim insurer for you:
Company Reputation: Before choosing an insurer, you should ensure that it is reputable and reliable. Check customer reviews and ratings online to get a better idea of how previous customers have felt about the insurer and their claims process.
Amount and Type of Coverage: Different insurers offer different types and amounts of coverage, so it's important to compare the coverage and benefits offered by various insurers before making a decision.
Cashless Facilities: A good medical insurance policy should provide cashless facilities across a wide network of hospitals, so look for an insurer that offers this.
Claim Settlements: It's important to select an insurer that has a good track record when it comes to claim settlements. Making sure that you know exactly how the claims process works and familiarizing yourself with the necessary documents and time frame for claims is also key.
Premiums: Don't forget to compare premiums across different insurers before deciding on a policy. Different insurers have different costs for the same cover, so it pays to do your research.
Once you have these factors covered, you can decide on the best mediclaim insurer for you.
You can also use an insurance broker/agent to help you make a more informed decision.
If you need more help, you can take a look at this article which outlines some of the top mediclaim insurers in India: https://www.policybazaar.com/health-insurance/top-health-insurance-companies-in-india/