What is Health insurance? Top 10 health insurance companies in india

What is Health Insurance? 

Top 10 Health Insurance Provider In India

Dear Friends we all know that health insurance how much important in today's life,  

medical expenses on the rise, and hospital costs have skyrocketed thus medical expanses always a big tension & pocket burden for everyone,

when something unfortunate happened and you went to the hospital for treatment or hospitalization, hospital representative always asked you,

"do you have health insurance? 

if you hold the health insurance policy you proudly said "yes I have" 

but if you don't hold a policy you regret at that time and sadly told them "NO" I don't have! 

but friends if you don't have a policy then its big pocket burden for you, and you have to spend all your hard earn saving on medicine and hospital expenses thus friend please take health insurance, 

its a mandatory need for everyone life. 

If you planning to buy health insurance policy then you have to keep knowledge, what is cover under your health insurance policy, thus before buying the policy always check below said seven points. 

it's like Saath vachan with your insurer. 

1. Claim Process?

Claim procedure important factor when it comes to the selection of a policy, thus before taking policy always check insurer claim settlement ratio.

2. Waiting Period?

all insurer have a waiting period for pre-existing diseases, the period can be 12 months to 48 months thus you have to keep that number in mind before buying a health policy.  

3. Maternity Coverages? 

Pregnancy costs are so high this time, thus before buying a policy if needed please check maternity coverages, waiting period, co. pay, and medical expenses for pregnancy.

4. Cashless treatment / Network Hospitals?

Very important everyone much checks insurer panel cashless network hospital lists, at the time of medical emergencies network hospital offers cashless treatments and hospitalization and insurer settle all medical bill and hospital bills directly.

5. Pre & Post Hospitalization?

Before hospitalization you visits the doctor, get medicines and undergo pathology tests, you are hospitalized and after get discharged some other expenses occur, I.e. the post-hospitalization medicine, doctor follow-ups some other tests. thus choose an insurance policy which covers pre & post hospitalization expenses 

6. No Claim / Cumulative bonus?

Insurance companies offer a cumulative / no claim bonus when the insurer does not make a claim in the previous year policy. one can accumulate this bonus year after year. the bonus is an increase in the sum insured or discount on the premium payable.

7. Lifetime Renewability? 

Look your policy which offers lifetime renewability, there is a higher chance of suffering from diseases and illnesses when you are old compared to when you are young, a health policy which offers lifetime renewability is what you should buy.

Friends when you think to buy the insurance policy you always confused which policy suit your needs, thus am giving you below, Top 10 Health Insurance Provider In India kindly check their websites (Links Given Below) then discussed the same with your insurance broker/agent then you decide which policy best for your needs.

1. Apollo Munich Health Insurance Company Limited

2. Star Health & Allied Insurance Company Limited

3.Max Bupa Health Insurance Company Limited

4. ICICI Lombard General Insurance Company Limited

5. Religare Health Insurance Company Limited

6. Cigna TTK Health Insurance Company Limited

7. Bajaj Allianz General Insurance Company Limited

8. New India Assurance Company Limited

9. Oriental Insurance Company Limited

10. National Insurance Company Limited

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The information provided on this blog is only for information sake, Mr. Pradeep Banerjee does not in any form or manner endorse the information.