Health insurance is a contract entered between an insurance company and an individual, which includes the medical and surgical expenses of an insured. It also includes reimbursement of expenses that are incurred due to illness or injury.There are multiple factors that determine the Top Health Insurance Companies in India, which are as mentioned below:
- Claim Settlement Ratio
- Salient Features
- Advantages Provided
- Customer Ratings
- Customer Support
Provided below is the list of some Top Health insurance Companies in India:
Star Health and Allied Insurance Company
- It is one of the top standalone health insurance companies.
- It provides a 360-degree wellness program when health insurance from Star Health Insurance is purchased.
- A cashless claim settlement can be availed within 2 hours.
- A benefit of AYUSH treatment, along with some other benefits, is also available.
Care Health Insurance Company
- It was earlier known as Religare Health Insurance.
- It is one of the Top Health Insurance Companies in India with 24800+ healthcare providers.
- Get the best health insurance as well as micro-insurance products for rural and urban areas.
- Avail of health care services at any of the network hospitals with more than 11400+ hospitals all across India.
HDFC Ergo Health Insurance
- Get 100% coverage restored instantly after the first claim.
- Get a free health check-up within 60 days of the policy’s renewal.
- Get comprehensive coverage related to medical expenses.
- Get 100% restoration benefit on the base insurance coverage in case the claim is raised in the same policy period.
ICICI Lombard Health Insurance
- They provide comprehensive health insurance plans.
- It provides coverage for up to 5 family members with the Family Floater Plan.
- With the Super Top-Up Plan, get additional coverage for the whole family.
- It provides insurance to more than 32.7 million policyholders.
Aditya Birla’s Health insurance
- It has a presence with more than 60 digital partners.
- Their main agenda is to provide dedicated customer support.
- Activ Health app supports and motivates to stay healthy.
- Its several insurance plans cover children, women, senior citizens, adults, and patients with critical illness.
ManipalCigna Health Insurance
- The cooling period for pre-existing diseases is 2 years.
- Get an additional benefit from free health check-ups.
- Get additional benefits while opting for employer-employee coverage.
- Its products are recognised as Best Innovation in the year 2024.
Niva Bupa Health Insurance
- It is one of the best and top-selling plans in India.
- Get your claim processed within 30 minutes.
- Get the ambulance charges, doctor consultations, organ donors, and daycare covered.
- It covers people based in more than 190 countries.
- It starts as low as INR 20 per day.
Conclusion
A decisive health policy is important to safeguard an individual’s financial well-being in case of unexpected medical expenses. You need to search a little more to choose the perfect one, which can be based on:
- Benefits provided by the company
- Premiums
- Claim Settlement Ratio
- Customer reviews
- Customer Support
Disclaimer: This article contains sponsored marketing content. It is intended for promotional purposes and should not be considered as an endorsement or recommendation by our website. Readers are encouraged to conduct their own research and exercise their own judgment before making any decisions based on the information provided in this article.
