Does the company you work for offer a health insurance policy? If yes, very nice! However, the benefits and the coverage the policy offers, is it enough for you? Well, the majority of people think that the health insurance policy provided to them by the company they are associated with is enough for them. What they do not realize is that it might not give them as many benefits as they need. Also, the medical costs these days are sky-rocketing. Therefore, you must have a medical health insurance policy that is ideal for you.
You must invest in health insurance policies to protect yourself as well as your family during medical emergencies. If you are wondering what the mediclaim policies in India are like, then here are some of the companies discussed for you.
Earlier known as Religare Health Insurance, Care Health Insurance is one of the best options for a health insurance plan in India. When you buy a Care health insurance policy, you will get top-up coverage, health insurance coverage, critical illness coverage, personal accident coverage, international travel insurance, and maternity insurance. The claim settlement ratio of the company is 92.3% and has more than 4900 network hospitals.
The insurance company is a joint venture between two companies which are Tata and AIG Group. ICRA rated the company AAA since the company pay claims to its policyholders without any hassles. In 2018-19, the individual death claim ratio in this company was 96.12%. The company has over 5800 network hospitals.
Max Bupa Health Insurance is yet again one of the top insurance companies that you can go for. You can get coverage for several illnesses along with access to many network hospitals and also avail of cashless claims. The claim settlement ratio of this company is 91.2% and the ICR is 51.96%. Max Bupa Health Insurance has more than 5000 network hospitals.
ICICI Lombard is known for its more than 6500 network hospitals where you can avail of a cashless facility. As per IRDA, the company has settled 98.32% of all the claims that it has received. The ICR of the company is high which is 80.38%. It indicates that policyholders of this company renew their policy and also make claims.
Star Health Insurance is another leading company in India that offers the best health insurance policy. You can get health insurance policies from this company for individuals, families, and even senior citizens who require special care, such as cancer patients and patients with heart-related diseases. The claim settlement ratio of the company is 98.72% and the ICR is 60.51%. The number of network hospitals of this company is more than 9900.
These are some of the insurance companies that offer a few of the best health insurance policies that can be extremely helpful for the policyholders. However, when you choose a health insurance company, make sure the foremost thing you check is the claim settlement ratio of the company. This will give you a clear idea of the company’s claim settlement pace. You can also decide whether you want to buy any health insurance policy from the company at all or not.
To check out some of the best health insurance policies in the industry, you can visit the IIFL website. You will come across a wide range of options and make up your mind to choose the one that is ideal for you. The website also has a health insurance premium calculator which can be of great help to understand the kind of premium that you have to pay in order to continue the health insurance policy.
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