How to Get the Best Health Insurance Plan in India
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Everyone wants the best, don’t they? Whether it is apparels, gadgets or even the daily grocery, you want the best product available in the market. The same holds true in case of health insurance plans. Amidst the multiple plans available, you want the best plan. Do you know how you can get the best health insurance plan?
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Only when you compare the available health plans can you find the plan which is the best for your needs. You can see the coverage features offered by the plan, the premium rates, the value-added benefits and other parameters and choose the best plan. The online medium has also made comparing an easy task. You can simply visit the website of a reputed insurance broker or aggregator, enter your details and you would be shown a list of plans to compare. You can compare the available plans, make any changes you require and then buy the plan from the same platform. Simple, isn’t it?
How to compare to get the best health insurance plan?
When comparing, you should be careful to look for the parameters which differentiate the different plans and help you choose the best health insurance. You should look for the following parameters when comparing:
Coverage features
Coverage features determine the scope of the plan. The more the features the wider would be the scope. So, look at the plan’s coverage benefits. Choose a plan which has the best features which also suit your requirement. Cut down on unnecessary features which increase the premium unreasonably.
Premium
The premium should be compared together with the coverage benefits. First shortlist plans based on their coverage features and then compare the premium rate. Don’t skimp on the coverage benefits only to get a lower premium. This would prove costlier in the long run when you are forced to bear the uncovered medical expenses yourself.
Tenure of waiting period
The best plan would be the one which has the lowest waiting period. The lower the waiting period the earlier you can get coverage for your pre-existing illnesses.
List of tied-up hospitals
Insurer’s tie-up with hospitals to provide you cashless claims if you seek treatment in such hospitals. The best plan should have a wide network of tied-up hospitals so that you have the freedom to choose one for your treatments.
Coverage restrictions
You might find sub-limits under many plans. These are not the best plans are they limit coverage. Choose a plan which provides you sub-limit free coverage so that all your expenses are covered.
Discounts
Look for the discounts available in the plan. The higher the rate of discount the better the plan would be.
Value-added benefits
Also look at the value-added benefits provided by the plan. If the plan provides good benefits, your health insurance experience would be better. Look for free health check-ups, expert opinions on critical illnesses, coverage for alternative treatments, etc.
When you compare different health plans on these parameters, you can get the best health plan.
Choose wisely!

Author Bio
Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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