Which is the Best Health Insurance Policy available for Individuals within India?
So far I have learnt that LIC robustness plus is a pretty good policy. and http://sunilrams.blogspot.com has really given surrounded by detail the comparisons . Are there any better policies in the Indian Market for individuals.
try STAR HEALTH INSURANCE PLAN, it's offices are fairly less, but the facilities are well-mannered.
you can be INSURED up to an stretch of 3.5 crores.
the time in not lifetime, it's limited, but it is really a accurate one.
-Abhishek.P
Hi,
India is really becoming more and more expensive on Health and related expenditure. Health Insurance therefore is really sensible to buy at a young age.
There is not a soul answer to your question, as it would depend upon the age, health conditions, your location, your spare requirements, whether you can go for a Medical Exam or not, the amount of cover you want/need.
I would therefore recommend Indians to check out the website http://www.insurancemall.within for comparing various quotes and features that you may be looking at.
Thumb Rule would be
If Age < 45 and Good Health Condition - Reliance
If Age <45 and Some pre-existing - Apollo DKV
If Age > 45 < 60 - Apollo DKV
If Age > 60 - Bajaj Allianz Silver is the best policy
When buying a Health Insurance you should take entry of the following
1. Are there any sublimits as to room rent etc. in the policy
2. Has the Insurance Co. changed its TPA regularly.
3. What is the claims experience of your broker/agent?
4. Pre-underwritten exclusions if any - specially for age above 60 is exceedingly important to check.
5. Compulsory Co-payment - Many policies have a part of the pack of the expenses mandatorily required to be borne by insured - check that.
NOTE: PLEASE DONT COMPARE HEALTH/MEDICAL INSURANCE FROM GENERAL INSURANCE COMPANIES WITH LIFE INSURANCE COMPANIES LIKE LIC AND RELIANCE HEALTH + WEALTH OR EVEN TATA AIG...
The reason is that Life Insurance Health Plans are more of Benefit plans with fixed day by day cash allowances...whereas General Insurance Health Plans are better in language of RISK COVERAGE on Illness/Accidental Hospitalisations.
LIFE HEALTH covers are good as ADD On to regular Mediclaim/Health Insurance from General Insurance Cos.
Hi, you can try starhealth policy.
http://www.investorcamp.blogspot.com
So far I have learnt that LIC vigour plus is a pretty good policy. and http://sunilrams.blogspot.com has really given surrounded by detail the comparisons . Are there any better policies in the Indian Market for individuals http://help.hnsv.com
BIRLA life insuranc policy is the best life policy
All depends on your age and present vigour status. visit http://uliponline.blogspot.com or inform me your age and health position to investinternals(a)gmail.com . I will suggest you the deeply best.
reliance's mediclaim
i am an expert on equal &write in magzines about it
to lnow more phone 9324531966
ICICI is one best Health insurance company for individual.
Answers: Hi..
Fortunately in a minute we have 2 dedicated Health Insurance Companies contained by India.
1. Apollo DKV Health Insurance
2. Star Health Insurance Company
Both of them are focused Health Insurance companies, hence they are good both in lingo of service and products. Yea, premium are little higher but they are good.
Besides later, all General Insurance companies in India provide robustness cover.
Dont get confused with Life Insurance companies similar to LIC or ICICI Pru health initiatives. They are focused Life companies, hence better to buy either from Apollo / Sta or General Insurance companies and not Life Insurance companies.
If you want option, then try Bajaj Allianz General / ICICI Lombard General and Oriental Insurance company.
If you dont want to chase different agents from different companies for your Insurance Policy and want all beneath one roof, then best bet is India's first On-line Insurance Portal - http://www.InsuranceMall.in
At this site, you could compare and buynow your choice condition Insurance policy at your pace.
For critical reviews on all Health Insurance products surrounded by India, you may want to read Bonsai Insurance Blog - I Opener at www.InsuranceMall.in/blog
Good Luck..
Manish