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There is no such BEST Health Insurance policy that suits all. Hardly any two policies are similar

Choose a policy which that reduces your out of pocket to the least and is medical-inflation hedged.

So while choosing Health Insurance, please keep the following points in mind:

  • Capping on Room Rent
  • Capping on ICU Charges
  • Recharge/ Top Up options
  • No Claim Bonus Addition
  • Existing Illness Cover – For most health insurance policies existing illnesses are not covered in first 4years
  • Annual Health Check-Up – Yearly medical test is good to have but not an absolute must
  • TPA or Direct
  • Co-Pay – You also need to be clear with the co-pay %
  • No of days covered before and after hospitalization needs to be considered
  • Check the hospital network cover list. If your preferred hospital is on the list it would be better

This list is dynamic and can change anytime.

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