Being healthy is not an erstwhile thing; it relies upon once’s lifestyle. In this fast-paced lifestyle, people fail to maintain a work-life balance. Health takes a backseat until diseases come knocking at the door. Therefore, you must avail health insurance to handle emergencies.
With increasing health care costs, several insurance companies are emerging day after day and therefore, choosing health insurance becomes a daunting task. Going through this article will help you get a list of the best health insurance company in India, thereby, helping you to choose a comprehensive insurance plan for you.
Some of the best health insurance companies in India
Everyone is well-aware of the benefits of having health insurance, yet a very few numbers of people consider having one. There are some common myths among people that every insurance company offers the same terms for life insurance. Alternatively, sometimes people end up including coverages that they don’t need, thereby, increasing the cost of their insurance policy. Therefore, you need to know the best health insurance company out there to avail the suitable insurance for you.
Manipal Cigna Health Insurance Company Limited
Manipal Cigna Health Insurance Company Limited has a cashless network over 4000 hospitals in India, which ensures cashless settlement of claims. As per the Consumer Survey of Product Innovation 2019, their ProHealth plan is the ‘product of the year’. The company offers multiple customised offers that cater to your requirements and comes with affordable premiums.
Religare Health Insurance Company Limited
To assure that your claims are settled on time, the Religare Health Insurance Company has an in-house claim settlement department. It offers a wide range of insurance plans that provide fantastic coverage benefits. The sum up to Rs 6 crores is insured. Recently, at the ABP News-BFSI Awards, the company has won the award for ‘Best Health Insurance Company’.
Aditya Birla Health Insurance Company Limited
Since its inception, Aditya Birla Health Insurance Company Limited has settled over 63,000 claims. At present, the company has a trusted and reliable customer base of 23 lakh Indians. It offers a large number of customised health insurance policies intending to promote healthy living among individuals. It also has a cashless hospital network in more than 5700 hospitals in the country.
HDFC Ergo General Insurance Company Limited
HDFC Ergo General Insurance Company Limited is proud to support over one crore families in the country. One of the main reasons for becoming a trusted health insurance company is that it offers 24 hours of support to the customers. Hence, the customers can reach the helpline for any query. Almost in 90% of times, the company responds to the cashless claims. The reimbursement claims are also taken care of within three days. Further, the company has a newly launched wellness application that helps you to track your health.
SBI General Insurance Company Limited
The company maintains an extensive presence all over the country with over 23,000 State Bank branches and through 5500 Regional Rural Banks branches. It offers a wide range of tailor-made health insurance solutions to different customers such as corporate customers, retail customers and SME sector customers.
National Insurance Company Limited
Being one of the oldest insurance company in India, it has a large customer base. The insurance company has the largest Bancassurance network with other leading banks of the country. National Insurance Company offers health insurance products that cater to fulfil your requirements. The company also offers affordable premium rates. Recently the company has been facilitated with Economic Times Best Brands Award.
Apollo Munich Health Insurance Company Limited
The company has a specially designed Dengue care insurance plan that comes with meagre premium rates. Apollo has HealthJinn application, which allows you to purchase a health insurance plan just from your mobile phone. This application helps to keep track of monthly premiums as well as the facility to make claims from anywhere and anytime. They maintain a record of settling 90% claim within an hour, which is another reason for attracting a large customer base.
Star Health and Allied Insurance Company Limited
The insurance company has won the title of the ‘best health Insurance Provider of the Year’. Since its inception, the company has a record of settling over 4.9 million claims. Therefore, it successfully maintains a high claim settlement ratio. It has an in-house claim settlement department, so all the claims made by customers are quickly taken care of.
Investing in health insurance is one of the most significant financial decisions that you make. One must properly research to avail a health insurance plan, which offers comprehensive coverage along with affordable premiums and world-class features. Consider certain factors like your insurer’s hospital network, claim settlement time etc. to settle your claims in a cashless process in a short duration.