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Comparison is the best way to choose the perfect Health Insurance

Rely on PolicyBachat and its partners for all your Health insurance needs

Why let injury or sickness slow you down when you can avoid that through health insurance? An affordable health plan takes away that extra burden from your mind when you are in a difficult situation. Some policies can even lower the costs of regular check-ups, medication, etc.

Get the health insurance you need, quote several name brand insurance companies, compare the premiums against the coverage and purchase online, through cheap and affordable health insurance with !

What does health insurance cover?

The coverage of private health insurance generally varies. It tends to provide all the essential health benefits that can otherwise put you into a financial deadlock. It takes care of medical expenses for the ambulance, hospital room, supply of oxygen and blood, various medical tests and many other costs involved during an accident or in case of sudden hospitalization and illness. Given below is a broad picture of the coverage offered by a private health insurance policies:

  • Ambulance charges
  • Emergency service charges
  • Pre and Post Hospitalization
  • Pre-existing disease expenses
  • Prescription drugs
  • Laboratory services like medical tests
  • Critical illness
  • Preventive and wellness services

How health insurance works?

When a Health insurance policy is purchased, the insurance company agrees to take care of the medical bills that the insured incurs. The amount that can be claimed by an individual is limited to the sum insured. For this, the insured needs to pay a specific amount every month towards the health policy as premiums. Certain hospitals and medical centers have been identified by the insurance companies that come within its purview (referred to as Network Hospitals). The insured will receive financial cover for those centers. If you have to undergo treatment of some kind, you should notify the insurer and then:

  • Go to any one of the network hospitals and get the treatment done. The insurer will settle bills directly as long as it is within the cover of the policy. This is called Cashless Facility.
  • Get admitted into the hospital (available under the insurer’s requirement) of your own choice. After the treatment is done, settle the bills yourself and later file for claim reimbursement. This is the Reimbursement Policy.

Variety of Health policies in India.

  • Individual – This policy covers only the insured (the individual in whose name the policy has been purchased) against various illnesses with cashless hospitalization and other features.
  • Family Floater – This is to get coverage for not only the insured but also his/her family members under a single policy. A fixed sum is insured for each of the members. It can be either availed by the individual member or as a sum total for the treatment of one person.
  • Surgery & Critical Illness - This is to cover expenses of treatment for critical illnesses like cancer, kidney failure, heart attack, paralysis etc. and also for any surgeries involved.
  • Senior Citizen – This is to provide you coverage for sicknesses during old age.
  • Preventive Healthcare – Coverage for expensive preventive care treatments which include consultation charges and other tests or X-Ray fees concessions.

Purchasing a Health Insurance Plan.

Our far-reaching partnerships, consumer advocacy and industry expertise turns complex health insurance information into an objective, user-friendly format and simplifies the process of your search, comparisons and purchase of the most affordable health plans that best suit your needs.

Documents required

The documents required under normal conditions are generally proof of age, address and identity. Other specific documents might be required only if the insurer needs to undergo any kind of medical tests.

Health Insurance Prices: Quote, Compare And Save

Buying health insurance at PolicyBachat is simple, fast and easy! Decide the coverage you want, then quote it with a handful of name brand companies and get quotes and coverage from the carriers. We aggregate premiums, coverage and deductibles, without any filters.

What’s in it for you?

  • Obtaining comparative rates online from multiple insurers in less than a minute.
  • No filtering of quotes. Insurance rates are presented as it is.
  • All the prices offered are directly from the insurance companies so it is the best rate the company can offer.
  • It's fast and easy.
  • Free insurance consultation to help you feel empowered and confident in your decision-making process.

We strive to deliver the best e-commerce experience for you. We help you compare, buy, and use the health insurance products, tools, and information offered by our trusted partners to protect your well-being.

By now you must have understood the importance of a Health Insurance Policy in every person’s life and the necessity to get the best health policy that can take care of your and your family’s health needs. The reason why we always talk about the most appropriate and the best health insurance is because a mediclaim policy is not just a means to save tax or any other trivial documents. Hence, it’s important to purchase the medical insurance that suffices your medical needs and prevents you from running out of funds in case of a medical emergency. As already discussed, the best medical insurance is one which not only provides coverage for all that you require but also gives you maximum additional benefits at great premium rates. Now the question is how to get this ideal mediclaim insurance policy. Comparison is the best way to get the perfect deal. Policybachat is one such platform that enables you to compare health insurance policies and purchase it online. Now you no longer have to run behind different company agents trying to get quotes for mediclaim health insurance or pay extra cash on your premium in the form of agent commission. Use our health insurance calculator to get premium quotes from various insurers, compare them and buy the mediclaim insurance that takes care of your requirements and not render too heavy on your pocket. For more information on health insurance India, you can contact our experts at 1800 123 4006 / 1800 123 4003 or chat with them at