With hectic lifestyles, busy schedules, and the constant race against time leading to compromise on healthy habits, the probability of suddenly falling ill is higher today than it was a couple of decades ago. To combat this, insurance has become a mandate. Here is a list of the top 5 health insurance plans that you can consider:
#1. Apollo Munich Easy Health
Called the best medical care plan in India, Apollo Munich Easy Health is a comprehensive policy that provides overall coverage at affordable rates. Its other features include plan variants, discount options, and maternity coverage.
#2. Religare Care
Another great policy is Religare Care health insurance. Two of the best features of this plan are that it provides you the option of a sum insured up to INR 6 crores and that you don’t need to make a co-payment from your end.
#3. Bajaj Allianz Health Guard
If you take this policy, once you make a claim, your premium doesn’t increase from the next year onwards. Further, this plan also covers pre-existing diseases after a period of two years.
#4. ICICI Lombard Complete
Under this plan, alternative therapies like homoeopathy and Ayurveda are covered along with regular treatments. Besides this, services like free specialist consultations, online chats with doctors, and health check-ups boosted this policy into the top five list.
#5. Star Family Health Optima
With the Star Family Health Optima, even if you run out of your sum insured, you have nothing to worried about. In emergency situations, you get the option to ‘recharge’ this amount if you are in need of additional coverage. Another benefit of the policy is that it covers expenses for up to 400 day-care services as well.
Whom Should You Consult Before Buying Health Insurance?
Before buying your health insurance policy, it is always advisable to conduct appropriate research so that you can make a well-informed decision. The two main ways to make this consultation are through online and offline methods.
The best way to get advice online is to use the help of an insurance aggregator like Coverfox.com to provide you with the most up-to-date and reliable information that you need to make your final choice. This will help you make comparisons between policies so that you can thoroughly understand the pros and cons.
Another way to consult online is through reviews and ratings. When you read about other user experiences, their suggestions, and the issues they are facing with various policies, you will know exactly what you are getting yourself into.
Nowadays, very few people purchase insurance policies through offline means. However, in order to get a consultation, you can visit any branch of the insurance company and talk to the agents to get a fair idea about the different policies.
Easy Ways to Save Your Money with Health Insurance
Insurance need not always be an expensive investment. Besides covering your medical expenses with insurance, there are many ways you can save your money. Not sure how? Read on to find out!
#1. Discounts and Offers
When you buy your insurance policy online, you get to know about the various offers available. Some examples of such deals are cash-back, discount on premium, and EMIs that are free from processing charges.
#2. Annual Premium Payment
There are many ways to make premium payments for your insurance policy. The most common options are monthly, quarterly, half-yearly, and annually. Choosing the annual mode of payment reduces the convenience and processing charges that you will have to pay when you split the amount across the months.
#3. Start Young
When it comes to insurance policies, it is always beneficial to start as young as possible. This is because as you grow older, policies are not only difficult to obtain but also cost you higher premiums.
#3. Get an Appropriate Cover
It can be very frustrating if you find out in the last minute that your policy doesn’t cover your illness or that your sum insured is not sufficient for the treatment you need. To avoid paying heavily later on, always check the policy features before making your purchase.
In The End
Now that you know what the top health insurance policies are and how to make sure you get the right one for yourself, it is time to gear up and get yourself insured. So, where exactly should you start? Why not open Coverfox.com and look through all the policies as the first step of the process? It is quick, simple, and transparent, so you have nothing to worry about. Remember, when compared to your health, everything else is secondary. So, without further ado, sign yourself up for complete security.