Best health insurance plan | Best health insurance policy | in india

Best health insurance plan or best health insurance policy in india in 2011 2012, can be chosen from the best health insurance plans as offered by the top health insurance companies in india.

Make a comparison and review all terms and conditions, before you buy the best health insurance plan for the family or for an individual.

There are many good health insurance plans in India, but to know - which is the best plan in 2012 - read on !

THE BEST HEALTH INSURANCE PLAN IN INDIA IS

ICICI PRUDENTIAL HEALTH SAVER

Among the top health insurance plans in India in 2011 and also in 2012, the ICICI Prudential Health Saver is the best - for several reasons.

Firstly, it is a comprehensive whole of life, health insurance plan.

This health insurance plan takes care of your hospitalisation costs and your health care needs as well.

While the hospitalisation insurance benefit ensures complete coverage for expenses incurred in the event of a hospitalisation, the health fund created; by investing a part of your premium in market linked funds, under the health savings benefit, ensures you of an adequate support system to take care of any other medical expenses.

You can take advantage of cashless hospitalisation through an extensive list of network hospitals available across the country. This is particularly convenient also in the case of paying the hospitalisation charges for a planned hospitalisation.

You can also claim your hospitalization benefit amount for treatment in any out of network hospital through a hassle free claims process.

ANOTHER TOP HEALTH INSURANCE PLAN IN INDIA IS

STAR HEALTH INSURANCE PLAN

Senior citizen red carpet plan

Turning sixty is a major milestone. On the one hand, people tend to find more time for matters they couldn't adequately attend to during their years of career preoccupation. On the other, there is mounting anxiety about health.

Yet, a good health insurance has hardly been available to address their needs. India's first health insurance policy introduced by Star Health Insurance company, is meant specifically for senior citizens.

It provides cover for anyone over the age of 60 and permits entry right up to the age of 69 with continuing cover after that.

FACTORS TO BE CONSIDERED FOR SELECTING THE BEST HEALTH INSURANCE PLAN IN INDIA

Easy, hasslefree and quick - claims process.

Nation wide hospitals - for cashless claims.

A free health check- up once every alternate year.

No claims bonus.

Exclusions clearly mentioned on the brochure.

NOTE: The best health insurance plan in the world will also have all of the above features.

BENEFITS OF BUYING THE BEST HEALTH INSURANCE PLAN FOR FAMILIES

The best health insurance plan for families benefits the entire family - since you insure the entire family against medical expenses which may arise due to a sudden emergency like hospitalization or some serious illness.

The best health insurance plan in India, prevent this bad situation from becoming a financial emergency by insuring that your health care needs are attended to without you, digging into your savings and / or compromising on your goals.

IS THE BEST HEALTH INSURANCE PLAN IN INDIA - AFFORDABLE ?

The best health insurance plan, can be bought at a very nominal cost. One of the ways of buying the best health insurance plan in India, is by paying the premium’s for the same, on a monthly basis.

It is needless to say that health care is pretty expensive and with rising medical cost the situation can only worsen.

Also remember that there are several indirect cost like travel, boarding and lodging and loss of income which also must be added to the overall cost of treatment to be able to calculate the total financial burden.

INDIVIDUAL HEALTH INSURANCE PLAN v/s HEALTH INSURANCE PLAN FOR FAMILIES

Though an individual health insurance plan works out cheaper, it is best to cover the family with the family floater health insurance plan. It is well known that medical emergencies can strike any individual irrespective of age.

A large number of children and youth are also becoming unhealthy due to various factors like less exercise, unhealthy food and food habits, longer hours at work and high level of stress, which prevents them from being in the best of health.

It is important to verify the many benefits of the best health insurance plan available in the country.

Note: If you wish to buy the best health insurance plan on an individual basis, you must also be in the best of health.

And, if the entire family is applying for the best health insurance plan, every individual in the family must also be in good health.

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