Wednesday, April 24

With the rising cost of healthcare, surgeries, and doctor’s fees, it is critical to get healthcare insurance to avoid a major financial catastrophe. Despite this fact, according to a report, more than 30% of the people in India do not have healthcare insurance. 

People consider healthcare plans expensive. But this isn’t the case; you can get healthcare insurance at an affordable rate. But the question arises: which health insurance company offers the best plans?

This article will list the best health insurance company in India along with their key features. Let’s get started!

Top 5 Healthcare Insurance companies in India

Here are the top 5 health insurance companies in India:

Niva Bupa Health Insurance

Niva Bupa offers a variety of healthcare insurance products to meet diverse needs. The insurer offers a network of over 7,000 hospitals nationwide, allowing the insured to receive cashless treatment. Its features are                        

  • Comprehensive Coverage: Niva Bupa offers complete coverage against pre and post-hospitalisation expenses, daycare treatments, ambulance charges, and more.
  • Cashless Hospitalisation: With Niva Bupa healthcare insurance, you can avail of cashless hospitalisation at a network of hospitals across India. 
  • No-Claim Bonus: Niva Bupa offers a no-claim bonus, which means you will be rewarded if you do not make any claims during a policy year. 
  • Wellness Benefits: Niva Bupa Health Insurance plans include wellness benefits such as health checkups, teleconsultations, second medical opinions, and access to health and wellness resources.

IFFCO Tokio Health Insurance

IFFCO Tokio General Insurance Company aims to provide peace of mind by offering a variety of comprehensive healthcare insurance options that can be purchased separately or as floating insurance. The IFFCO Tokyo healthcare insurance policy includes various benefits such as medical examination, ambulance costs, and pre and post-hospital treatment costs. Its features are:

  • Cashless Hospitalisation: It covers a vast network of hospitals across India, enabling you to get cashless treatment.
  • High Claim Settlement Ratio: It has a high claim settlement ratio of 96.33%.
  • Provide Tax Benefits: Its policies offer a tax deduction against the paid insurance under Section 80D of the Income Tax Act 1961.
  • Provide Free Health Checkups: Some IFFCO Tokio healthcare plans also offer free health checkups annually or after a certain period of time.

HDFC ERGO Health Insurance

HDFC Ergo General Insurance is one the best health insurance companies in India, which provide customised solutions for severe diseases and accidents through a network of 203 offices in 170 cities and an extensive distribution network. Its features are:

  • Comprehensive Plans: It offers comprehensive healthcare insurance, including hospitalisation, surgeries, and critical illnesses.
  • Easy Claim Settlement: The company has a high claim settlement ratio and offers a hassle-free claims process.
  • Flexibility: It offers flexibility regarding policy duration, sum insured, and co-payments.
  • Network Hospitals: The company has a large network of hospitals across India.

Star Health and Allied Insurance

Star Health Insurance offers a variety of low-cost health insurance for parents, families and individuals. Their plans cover insured medical examinations, critical illness and hospitalisation costs. They also provide a healthcare insurance policy for children with autism. Its features are:

  • Specialised Plans: Star Health and Allied Insurance offer specialised healthcare plans for specific medical conditions, such as diabetes and cardiac care.
  • High Claim Settlement Ratio: The company has a high claim settlement ratio.
  • Affordable Options: Star Health and Allied Insurance offer healthcare insurance plan at affordable prices.
  • Cashless Hospitalisation: The company offers cashless hospitalisation services in times of emergency.

ICICI Lombard Health Insurance

ICICI Lombard General Insurance’s health insurance products are designed to provide comprehensive coverage and quality care. Its features are:

  • Customised Plans: ICICI Lombard Health Insurance offers customised healthcare insurance plans for families and individuals.
  • Affordable: The company offers healthcare insurance plans at affordable prices.
  • Easy Renewal Process: The company has an easy renewal process, with the facility of online renewal.
  • Value-Added Services: It offers a range of value-added services, such as health checkups and discounts on pharmacy bills.

The insurance industry in India is witnessing an era of growth and change, with health insurance companies in India offering innovative and customer-centric policies. If you are looking for a reliable insurance partner, Niva Bupa is worth considering. Niva Bupa offers a range of insurance products, including health insurance plans for family, individuals, senior citizens, accidents, critical illnesses, etc. Take the first step towards a secure future, and get your insurance now.

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