In this modern scenario buying a health insurance is the best precaution that can be taken because at this time our lifestyle is in danger as our environment is much polluted that we are always cautious to a large number of diseases.so one step we can take to get financially protected is to buy a health insurance for themselves.
if you have already decided to buy health insurance then surely you searched on internet about it and you have also found that there are a large number of companies that are offering best services from themselves.so today I am writing this article to know you about the best health insurance companies.
1.Max Bupa health insurance
Max Bupa is on top on our list because of this company provides the best assistance and best policies.Max Bupa is a joint venture between Max India and Bupa group founded in 2010.Max Bupa has a large network of about 3500 hospitals which are providing cashless claims.
Features of Max Bupa health insurance
- you will get the full body check every second year.
- It provides policy for 4 people in your family(2 adults and 2 children).
- The company will give you the claim ratio of 55.16%.
- It will provide you pre-existing disease cover for 2 years.
2.Star Health and Allied Insurance
This is the one of the best company in India which is standing alone in 2006.It has a large network of about 7000 hospitals which are providing cashless claims.In 2015, This company is awarded as the best company in India for providing health insurance.
Features you will get with your policy
- Provide maximum coverage to 4 people of the family.
- check up cost will be provided after 4 years of completion of your claims.
- the insurer will provide you claim ratio of 63.96%.
- provide pre-existence disease cover after 4 years.
3.IFFCO Tokio Family Health Protector Policy
IFFCO Tokio Family Health Protector Policy is taking a big part of the health insurance.This company provides protection to the whole family during the emergency.This company is best for those who have the large family members as this company does not have any limit on the no of members coverage under their policy.This policy covers the medical expenses during hospitalization, consulting fees of doctors, diagnostic fees and also covers the fees of the ambulance.This company provides maximum coverage up to 5,00,000.
Benefits covered under IFFCO Tokio Family Health Protector Policy
- provides you cashless claims in over 4000 hospitals.
- this company does not limit the maximum number of policies for the family.
- The bonus of 5% is provided after every year maximum up to 50%.
- you will get the amount of the ambulance.
4.HDFC ERGO Health Insurance
HDFC ERGO health insurance company is a well-known company working for a long time in this section.It is a joint venture between HDFC limited and ERGO international.This company has a wide network of about 4800 hospitals.
Facilities Provided by HDFC ERGO Health Insurance
- HDFC ERGO provides coverage to maximum 4 members of the family(2 adults and 2 children).
- It provides fees for health check-up after completing the claimless claims for 4 years.
- the company provides pre-existing disease cover after 4 years.
- You will get the incurred claim of about 56.48%.
5.Bajaj Allianz general insurance
Bajaj Allianz is another big contributor to the market in terms of health insurance.Bajaj Allianz is the joint venture between Bajaj Finserv Ltd and Allianz SE.company has the wide network of over 3700 hospitals.
Features you will get with your Bajaj Allianz general insurance policy.
- Provides coverage for up to 6 family members (2 adults and 4 children).
- will give you pre-existence disease cover after the duration of 4 years.
- provides the fees of checkup after completing the claimless period of 4 years.
- the company will give the incurred claim ratio of 73.59%.
6.Religare Health Insurance
Religare health insurance ltd is the joint venture between three companies these are Religare enterprise ltd, corporation bank, and Union Bank of India.company provides cashless claims in more than 4500 hospitals.
- provides coverage to maximum 6 members of the family including 2 adults and 4 children.
- the company will give you pre-existing disease covers for 4 years.
- provides annual checkup for the members which have the policy of Religare Health Insurance.
- you will get the claim ratio of 61.3%.
7.National Insurance Company
The national insurance company is procuring a big name in the sector of insurance.This company is fully owned by general insurance company.company has the wide network of about 6000 hospitals providing cashless claims.
Features of the policy provided by national insurance company
- provide the cost of medical expenses before 30 days of hospitalization and post 60 days of hospitalization.
- will give maximum coverage to 6 family members including 2 adults and 4 children.
- have pre-existing disease cover the duration of 4 years.
- the company will provide you incurred claim ratio of 110.20%.
8.Reliance General Insurance
Reliance general insurance is the well-known company which is manipulated by the Reliance group.reliance is India’s biggest business group working in different sectors in India.reliance general insurance is having a large network of more than 4000 hospitals which are providing cashless claims settlement.reliance general insurance offer plans like health gain, wellness and healthwise.
Facilities provided by reliance general insurance
- provides coverage to maximum 4 people of the family including 2 adults and 2 children.
- give free health checkup after completing 4 claimless years.
- provides pre-existing disease cover after 4 years.
- the company gives incurred claim ratio of 107.49%.
9.New India Insurance
New India insurance company is fully owned by Indian government providing its facilities in each and every countries of India.It has a wide network of more than 2000 hospitals which are providing cashless claims.
Facilities provided by New India Insurance
- Providing coverage to maximum 6 persons including 2adults and 4 children.
- provides medical expenses for 30 days and after 60 days of hospitalization.
- you will get pre-existing disease cover after 4 years.
- have incurred claim ratio of 98.78%.
10.Apollo Munich Health Insurance
This is existing on the last number in our list.It is a joint venture between the Apollo hospitals Munich Health.company has the network of more than 4000 hospitals .company gives claim intention in less than 2 hours.
Facilities provided by Apollo Munich Health Insurance
- provides coverage to maximum to 6 people including 2 adults and 4 children.
- giving medical expenses before 60 days and after 90 days of hospitalization.
- having pre-existing plans cover after 3 years.
- having incurred claim ratio of 63.03%.
Now I have given the information about every leading company providing health insurance.If you are having any queries then feel free to comment below in the comment section.
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