Best Health Insurance In Puducherry 2024

Puducherry is also called as Pondicherry one of the union territories of India. To compare health insurance plans in Puducherry, we at PolicyBachat, helps to provide an unbiased comparison of best health insurance plans from different insurance companies. We are working hard to give the best health insurance plans in Puducherry to our customers in these hard times of Covid-19.

We are here to ensure that most of the people buy their insurance by sitting at home through Our Website while we do the background work to provide the best quotes from different insurance companies. We even provide life insurance, two wheeler insurance, car insurance, and travel insurance along with the health insurance.

Health insurance is the most used keyword on search platforms after the Covid-19 pandemic hit India. Health insurance is being seriously considered by many Indians after the entry of corona virus. Rising health care costs are forcing many people to think of good health insurance policy within their affordability.

The pandemic has bought many uncertainties in the life of the common person. People who thought of visiting government hospitals earlier have also started thinking of visiting private hospitals in case of any medical emergency. So, if there is anything which is needed badly in this situation, it is none other than the health insurance.

The premium to be paid by the customer for the health insurance policy is calculated based on the plan selected by the customer. And it depends on many factors such as the sum insured selected, add-ons opted and other terms and conditions mentioned in the policy. The premium paid by the customer for the health insurance differs from company to company.

Health insurance policy should be purchased after checking the terms and conditions mentioned under the policy and at the same time the claim settlement ratio and the claim acceptance time in case of cashless claim should be compared before deciding on the best health insurance company.

Best Health Insurance Plans in Puducherry:

There are so many health insurance companies are available in Puducherry and there are different health insurance plans available to get insured such as individual insurance plans, family health insurance plans, senior citizen insurance plans, corona kavach insurance plan, maternity plans, arogya sanjeevani insurance plan, critical illness insurance plan, personal accident insurance plan etc.

Best health insurance policy should have the maximum coverage with reasonable premium when compared with the other insurance companies in the market and with no hidden sections in the policy. Premium can be paid through online and policy can be issued without any physical presence of the customer. The premium paid for insurance policy is calculated based on the plan selected by the customer.

Premium can be paid in instalments as per the directive of the Insurance Regulatory and Development Authority of India if the customer is not able to pay the premium at once. This option enables customer to convert the premium payment into monthly EMI options and at the same time avail higher coverage which would otherwise be difficult if the premium has to be paid lump sum.

Best Health Insurance Plans in Puducherry can be sorted from our online portal where the basic process is to fill the details of the applicant for quote generation such as Age of the customer, sum insured required, number of members to be covered, location pin code, name of the person, email address, gender of the person to be covered, extra coverage in the form of add-ons etc.

Health insurance premiums are calculated for a 30 year old Male with 26 year old Spouse, Sum insured Rs.5 Lac and the policy period taken as 1 year. Location of the customer is taken as Puducherry for the purpose of premium calculation.

Company Plan Coverage Premium
Raheja QBE QuBE Super Saver 5,00,000 4,740
Raheja QBE QuBE Basic 5,00,000 5,882
Raheja QBE QuBE Comprehensive 5,00,000 7,518
Edelweiss Silver 5,00,000 7,557
Edelweiss Silver with Health 241 Add-on 5,00,000 9,446
Edelweiss Gold 5,00,000 10,406
Edelweiss Gold with 241 Add-on 5,00,000 13,008
Care NCB Super 5,00,000 10,885
Care NCB & UAR 5,00,000 11,627
Care NCB & Everyday Care 5,00,000 16,881

Visit PolicyBachat and get the best health insurance quotes from the top insurance companies and. You can also check the company’s policy wordings and sales brochure for more information.

  • Note: The premiums given above vary with the coverage and please refer our website for exact premium.
  • Read about the conditions such as No claim bonus, room rent facility, waiting period, Co-pay, medical care check-up options are considered before arriving at the final premium.
  • Before buying the policies read terms and conditions thoroughly or please contact experts before proceeding.

How to decide the best health insurance policy in Puducherry?

Below factors are to be considered before deciding on the best health insurance.

  • Coverage v/s Premium:
  • Coverage in a health insurance is also known as sum insured. Coverage and Premium are the most frequently compared things while deciding on the best health insurance policy. But comparing the coverage with the premium charged by the insurance companies is the big mistake people made.

    A health insurance policy have many things such as cashless treatment, pre and post hospitalization cost coverage, Travelling charges, room rental charges, No claim bonus and health check-up benefits, tax benefits and etc. So, before buying the policy consider all the factors because simple analysis of comparing different health insurance policies against the premium from different insurance companies can only result in disappointment at the time of claim settlement.

  • Add-on/ Rider:
  • Add-on or Rider is the extra coverage that is available under the health insurance premium on payment of additional premium. The base coverage can be extended with the help of add-ons on payment of additional premium.

    Careful analysis should be made before deciding an add-on as the riders are charged by the insurance company limited. Customer should identify the add-on which is necessary as including all the add-ons will only increase the premium with less scope for utilization of all the add-ons.

  • Individual/ Floater:
  • It is important to decide whether the health insurance policy would be taken for an individual or for floater basis. There are many options in a health insurance policy which cannot be utilised by an individual alone and availing these options would be of no use and the customer would end up paying high premium for the options he wouldn’t be using.

    The sum insured can be opted separately for each individual in the health insurance policy or everyone in the policy can use a single sum insured. Most of the health insurance plans include individual and floater sum insured options for the customer to select from.

  • No Claim Bonus/ Renewal Bonus:
  • No claim bonus or the renewal bonus is the increase in sum insured at the time of renewal provided by the insurance company for no claims made in the previous policy year. The maximum renewal bonus or No claim bonus provided by the insurance companies would not exceed 100% of the basic sum insured.

    There are few health insurance plans which provide 10% to 50% renewal bonus for each claim free year. Higher the renewal bonus percentage each year, higher would be the sum insured at the time of renewal. The best health insurance policy in Puducherry is the one which provides up to 100% renewal bonus or no claim bonus for each claim free year.

  • Network Hospitals:
  • Network or tie-up hospitals are the hospitals with which the insurance companies enter into an agreement to provide cashless health services to its customers. In cashless medical treatment hospitalization the customer need not pay medical bills to the hospital.

    The insurance company tie-up with those hospitals and they take care about the medical expenses charged by the hospital. The best health insurance policy in Puducherry is the one which has the more number of empanelled hospitals. There are so many network hospitals in Puducherry.

  • Co-pay:
  • In Co pay the fixed amount of money is must pay each and every time when insured person need medication. Co-pay is the amount of claim which is to be borne by the insured customer at the time of claim settlement. Most of the health insurance policies have co-pay clause if there are senior citizens included in the policy.

    Higher the co-pay amount selected by the customer, lower would be the health insurance premium. Co-pay is the way of making customer liable and participating in the claim settlement. The best health insurance policy in Puducherry is the one which doesn’t have the co-pay at the time of claim settlement.

  • Pre-existing waiting period:
  • Any illness or disease which exists prior to the inception of the health insurance policy is known as pre-existing disease. Health insurance policies usually have a waiting period only after which the health insurance claim for the existing diseases would be paid.

    The pre-existing waiting period would normally range between 2 years to 4 years for different health insurance products available in the market. Higher the pre-existing waiting period, higher would be the time before the claim is settled for pre-existing conditions. The best health insurance policy in Puducherry is the one with 2 years or less pre-existing waiting period.

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