Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Track & Policy DownloadLogin

Tips To Choose Best Individual Health Insurance Policy In India

When buying a health insurance policy, there are several factors that a policyholder must consider in order to choose a suitable health insurance policy. Policyholders must analyze their requirements and then compare various plans that suit their needs. The work of researching and comparing the health insurance plans can be done with the help of the internet. Health insurance plans are essential as they provide financial aid to the policyholders in times of a medical emergency. It also ensures the quality of the treatment at the private hospitals without considering the financial constraints.

Policyholders can buy individual health insurance plans to cover the medical needs of an individual. They must invest in a suitable plan as it can help them in times of medical emergencies. Due to the rise in inflation, the cost of basic healthcare treatments have increased, thus resulting in the exhaustion of the financial savings of the policyholders. Each and every health insurance plan by different insurers provides the same set of basic features however, it also offers some unique benefits which makes the policy stand out among the others and hence, you must go through the coverage of the policy you wish to buy.

Tips To Choose Best Individual Health Insurance Policy In India

Tips To Choose Best Individual Health Insurance Policy In India

Let us look at some of the basic tips that must be kept in mind by the policyholders when looking for the best individual health insurance plans in India:

Must Read: Things You Didn’t Know Health Insurance Covers

  1. You must make sure that you have a plethora of options to choose from. You can compare all the suitable plans and then accordingly narrow down your options depending on your requirements.
  2. The health insurance plan must offer a wide range of benefits like cashless claims, no claim bonus, complementary health care checkups, additional plans, and much more.
  3. The individual health insurance plan must offer you 24X7 customer support to resolve your grievances and it must also include lifetime renewability of services, in order to seek lifetime renewal of your health insurance plan.
  4. You must carefully read the policy related papers to understand the inclusions and exclusions of your health insurance plan as it can help you avoid inconvenience at the time of a claim settlement process.
  5. The key to get the best individual health insurance plan is starting with analyzing your requirements and then looking for a health insurance plan.

Key Points To Consider While Investing In A Health Insurance Plan

Following are some of the other factors and prominent points that can be considered to get the best individual health insurance plan in the insurance market:

  • You must invest in a health insurance plan with sufficient coverage to make sure that it is enough for you in times of a medical emergency.
  • Your desired health insurance plan must offer comprehensive coverage at an affordable price. It must be cost-effective and should include extensive features.
  • To avoid the maximum age limit when renewing your health insurance plans, you must invest in a policy that offers lifetime renewability of services to the policyholder.
  • To compare the health insurance plans online, you can use a health insurance premium calculator. It will help you narrow down your options and customize the plan according to your financial budget.
  • Buying a health insurance plan with a sole purpose of escaping the taxes is not a wise choice, as it can lead to inconvenience at the time of the claim settlement process. Therefore, you must get a health insurance plan that suits your demands.

Conclusion

You can follow the above-mentioned tips and consider the given points to choose the best of the available individual health insurance plans in the market. The health insurance plans come with a free-look period of 15 days during which you must thoroughly read the policy terms to understand its inclusions and exclusions to avoid any inconvenience at the time of the claim settlement process.

Also Read: How To Choose The Best Health Insurance Policy In India?

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • Parents

Age of eldest insured member ?

Where do you live ?

Metro
Non-Metro
Disclaimer : Actual Coverage might vary basis your location, age and number of members

Best Health Insurance Plans In India

  • Cover 5 L
    Starting at 832/month*
    No room rent limit 100% no claim bonusUnlimited restoration benefits3 years PED waiting period
    View All Features
  • Cover 10 L
    Starting at 739/month*
    No room rent limit Unlimited restoration benefits50% no claim bonus4 Years PED Waiting period
    View All Features
  • Cover 5 L
    Starting at 447/month*
    No room rent limit 33% no claim bonus100% restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 1,312/month*
    No room rent limit 50% no claim bonus100% restoration benefits3 yrs PED waiting period
    View All Features
  • Cover 5 L
    Starting at 448/month*
    Single Private A/C Room 20% no claim bonus100% restoration benefits1 year PED waiting period
    View All Features
  • Cover 5 L
    Starting at 664/month*
    No room rent limit null20% no claim bonus100% restoration benefits2 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 675/month*
    No room rent limit 50% no claim bonusUnlimited restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 690/month*
    Single Private A/C Room 100% restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 546/month*
    Twin sharing room Zero no claim bonus100% restoration benefits2 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 566/month*
    No room rent limit 20% no claim bonus100% restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 1,770/month*
    Zero no claim bonusNo restoration benefits1 year PED waiting period
    View All Features
  • Cover 40 L
    Starting at 62/month*
  • Cover 2 L
    Starting at 146/month*
  • Cover 5 L
    Starting at 806/month*
    Single Private Room 10% no claim bonus100% restoration benefits2 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 476/month*
    60% no claim bonus150% restoration benefits4 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 526/month*
  • Cover 5 L
    Starting at 855/month*
    25% no claim bonus100% restoration benefits4 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 448/month*
    Single Private A/C Room 20% no claim bonus100% restoration benefits1 year PED waiting period
    View All Features
  • Cover 5 L
    Starting at 396/month*
    Room rent upto 2% of SI Room rent upto 1% of SI No room rent limit Single Private Room
    View All Features
  • Cover 5 L
    Starting at 738/month*
    No room rent limit 50% no claim bonus100% restoration benefits3 yrs PED waiting period
    View All Features
Note: Premium is shown for 18yr old individual of Delhi
Show More
Must BuyMust Buy

Why to Buy Health Insurance Policy Online from InsuranceDekho

  • Tax benefit upto 75,000*
  • Claim support everyday 10AM-7PM
  • 80 Lacs+ happy customers