Compare Health Insurance Online In India 2024

Updated On: 2023-03-29

Author : Team Policybachat

You have to be very careful before selecting a health insurance plan or company. You have to check their customer service, policies, plan details, and benefits before buying health insurance. With so many companies providing health insurance plans, it can be hard to choose the right one for you.

A health insurance policy is a necessity for every family or individual to get financial support in case of a medical emergency. Availing of the best health insurance prices is not a daunting process. You can get the health insurance price list from the top insurance companies on the PolicyBachat website. PolicyBachat is an online portal for unbiased insurance comparison. Compare health insurance prices online with the benefits.

Why Should I Compare Health Insurance Plans?

Before buying a health insurance policy, you must have a clear understanding of what you want to do. When you are looking for the best health insurance plan, it is important to know what your options are. That is why comparing health insurance plans can be a great way to find the right one for you.

There are many benefits to comparing health insurance plans before committing to one. People often think that just because they have never used their plan before, they don't need to compare them, but this isn't true at all!

PolicyBachat is an online insurance web aggregator. It will help you with the complete guide to comparing health insurance and choosing the best plan for your needs. We have compiled a list of some of the best health insurance companies in India. These companies offer a variety of plans and coverages to meet any need or budget.

Benefits of Comparing Health Insurance Plans Online:

  • Get the Right Plan: By comparing health insurance plans online you can take the right plan which suits all your needs.
  • Save Money/Time: As there is no need to go insurance company which saves time and fuel cost, no waiting in long queues, and filling the registration form manually. The online health insurance comparison policy helps you to save precious time and money.
  • Get Affordable Premiums: Paying affordable premiums on your health insurance policy ensures that you can avail yourself of quality healthcare while keeping a tab on your expenses. By comparing health insurance plans online you can get affordable premiums through a health insurance calculator.
  • Easy: Health insurance comparison online makes it easier for you to check all the features, benefits, and drawbacks of all the plans so that you do not miss out on any valuable information on your health insurance policy.
  • Get Peace of Mind: Comparing health insurance policies online tells about room rent, waiting period, claims process, etc. This way, you know for sure that the final decision you make is based on concrete analysis keeping your requirements in mind.

How to Compare Health Insurance Plans Online at PolicyBachat

Compare health insurance policies online in India and select the one that meets most of your financial expectations. You can easily get multiple health insurance quotes online from the best health insurance companies in India. At Policybachat we cater unbiased comparison of quotes, 24*7 customer assistance team your motive is to give our customers right quotes with comparing health insurance rates online. Visit PolicyBachat to compare health insurance prices in India.

The process of comparing Health insurance policy quotes online has become simple with PolicyBachat. For buying a health insurance plan online please visit our website Following are steps to purchase the health insurance policy online in our portal.

  • Visit the Policybachat Website and Select the ‘Health’ tab.
  • Select your ‘Gender’.
  • Select ‘Who do you want to insure’ and their ‘Age’.
  • Enter your ‘Pin code’.
  • Enter your ‘Name’.
  • Enter your ‘Email Address’.
  • Then click on ‘Start Saving Money’.
  • Premium Quotes of top health insurance plans will be displayed as per data entered by you and which are suits your requirement.
  • You can edit policy details, sum insured value, policy terms and you can choose your preferred company.
  • Purchase the best health insurance policy using online payment.

What You Need to Know Before Comparing Health Insurance Plans

Just because a health plan has seem good to you doesn't mean it's a perfect fit. You should ask yourself a few questions before buying it. First, what are the benefits of this plan? What does it offer? Ask yourself if you will need all these benefits. Some plans charge much less than the average and still offer very good coverage. You should consider all these things before buying a health insurance plan. Some of the things keep in mind while comparing health insurance plans are

  • Insurance Company: When you compare your health insurance plans online, choose a reputable insurance company that is registered with the Insurance Regulatory and Development Authority (IRDAI). Check their claim settlement ratio it is an important thing to take the right plan.
  • Claims Process: Claim settlement process varies from company to company. When you compare health insurance policies you should check the claim settlement ratio for fast claim settlement.
  • Waiting Period: Different health insurance companies offer different waiting periods. . In case there are any pre-existing illnesses, insurance companies specify various waiting periods for the same. This duration can last anywhere from 2-5 years and so, when you compare your health insurance policy, always consider the waiting period.
  • Network Hospitals: When you choose a health policy and compare the network hospitals list with other health plans. It will help you to get cashless benefits.
  • Coverage: Comparing health insurance policies helps you choose from the different sum insured amounts offered under different health insurance plans. This is an important factor that will affect your premiums. You should always opt for ample coverage.
  • Benefits: The benefits provided by your health insurance policy will vary as per the plan you choose. When you buy a health insurance plan you should compare benefits such as pre/post-hospitalization benefits, daycare procedure benefits, Domiciliary Benefits, Consumables benefits, Free Health Check-ups, Restoration benefits, income tax benefits, etc.
  • Premium: If you compare health insurance before buying it, you can decide the premium amount you want to pay that will cover your emergency needs and also not affect your other expenses.

Compare Health Insurance Companies in India

List of health insurance companies with their claim settlement ratio, network hospitals are

Health Insurance Company Claim-Settlement Ratio Network Hospitals
Aditya Birla Health 49.08 9000+
HDFC ERGO 73.69 Nearly 10,000
Manipal Cigna 61.64 6500+
Niva Bupa 53.51 7600+
Reliance Health 62.17 8000+
Religare Health(Care) 59.13 16,500+
Star Health 65.91 11,000+
IFFCO Tokio General Insurance 96.33% 1416
Edelweiss General Insurance 85.57% 4803
Royal Sundaram General Insurance 81.50% 4115
Liberty General Insurance 81.03% 2500
Bharti AXA General Insurance 76.01% 1912
Kotak Mahindra General Insurance 75.45% 4000+
Universal Sompo General Insurance 70.75% 4700
SBI General Insurance 66.08% 1606

How to Compare Health Insurance Premium?

You can use an online health insurance premium calculator to compare the premiums of different health insurance plans. Premium calculator provides you with an accurate estimate of your premiums as per the coverage you select. For comparing health insurance premiums all you need to do is enter details such as your gender, date of birth, and lifestyle habits, etc. The premium calculator will provide you with an estimation of coverage, tenure, and premium.

What are the Ways to Get Low Premiums on Health Insurance

Some factors are to be considered to save the health Insurance company policy premiums.

  • Insure early: Buying health insurance from the best health insurance companies at an early age will benefit you more with longer validity periods and better coverage options. If you buy a health insurance policy at later stages it will invite the deprivation in waiting periods and additional benefits and exclusions.
  • Coverage is vital: Health insurance companies might offer you good deals if you buy a health insurance India policy online. Covering your whole family with a single and best health insurance policy is vital. Look for better coverage options and buy Mediclaim insurance at cheaper premiums online and always stay covered.
  • Be aware of changes: Medical insurance companies might update the coverages or the hospitalization benefits that might come in handy for you in necessity. So be up-to-date with the health insurance companies policies.
  • Sufficient coverage: Higher coverages will only increase your premiums. Save your health insurance policy premiums by buying the health insurance India policy with enough coverage that shields your medical emergencies and purchasing health insurance from the best health insurance companies will be an added advantage.
  • Keep Reviewing: You are advised to keep reviewing your health insurance policy to know about the changed premium rates and treatment expenditure modifications.
  • Be true: Saving on premiums will also be possible by providing your full details along with your and your family’s health status. This saves you during the critical illness periods where the monetary aid provided will be based on your given information.
  • Know the claim process: Get to know the claim process and the claim settlement ratios of the health insurance companies beforehand to avoid unnecessary rejections of your claims.

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