7 Tips to Choose a Health Insurance Plan in India

1. Look for the right coverage.
2. Keep it affordable.
3. Prefer family over individual health plans.
4. Choose a plan with lifetime renewability.
5. Compare quotes online.
6. Network hospital coverage.
7. High claim settlement ratio.

How can I check my health insurance policy online?

To check your health insurance policy status online you have to:

1. Visit the Health Insurance Company’s official website.
2. Click on the ‘Register a Claim’ icon on their website.
3. Now Select ‘Track Claim Status’

How do I choose good health insurance?

How to Select Best Health Insurance Policy

1. Choose Adequate Sum Insured Amount.
2. Choose the Right Coverage Type.
3. Check the Flexibility to Increase the Total Amount You Are Insured For.
4. Check the Pre-existing Disease Waiting Period.
5. Check the Maximum Renewal Age.
6. Insurer with High Claim-settlement Ratio.

How is family health insurance different from individual health insurance?

Since there are multiple policies, the premium payable for each policy will also be different. If we compare the premiums payable for both these types of a health insurance plan, the combined premium payable for multiple individual health plans is significantly higher than that for a family health plan.

How can I compare my health insurance plans?

You can also search for your doctors, medical facilities, and prescription drugs when you compare plans. Select your doctors, hospitals and other medical facilities, and prescription drugs. When you view plans, we’ll tell you if each one covers them in network.

How to choose the best family health insurance plan?

Health insurance plans for family trim down the task of choosing a separate individual health policy for each family member. Also, you don’t have to pay separate premium to get a health cover for each member. In case of hospitalization the insured member can avail cashless treatment in a network hospital just like individual health plans.

Can a family health insurance plan cover all members?

As family health insurance plans do not require you to pay individual premiums for all the members. You can cover your spouse, child, and parents under the same plan at an affordable premium. However, for parents it is suggested to buy individual health cover considering their age-related health issues.