Check out the most demanding Best Health Insurance in India : Check Online List of Companies In India | TTB Insurance, like Buy Medical Policy, Travel, Accidental Plan.
What Is Health Insurance :
Health insurance is a type of insurance that covers medical expenses that arise due to an illness. These expenses could be related to hospitalization costs, cost of medicines, or doctor consultation fees. Another way we can say that
A health insurance plan is a contract between an insurer and the policyholder. The policyholder pays a premium to the insurance company, in return, the insurer pays for the medical expenses incurred – like hospitalization, daycare, post, and pre-hospitalization, etc. – by the insured.
What is Medical Insurance :
Medical Health insurance covers the cost of medical and surgical expenses incurred by the insured. The policyholder either has to pay for such expenses out-of-pocket and is later reimbursed by the insurer or the insurance company settles the bill directly with the network hospital.
It covers medical expenses incurred on hospitalization, surgeries, daycare procedures, etc. A health insurance policy either reimburses the medical costs or offers cashless treatment.
What Is Travel Insurance :
Travel Insurance is a type of insurance that covers different risks while travelling. It covers medical expenses, lost luggage, flight cancellations, and other losses that a traveller can incur while travelling. Travel Insurance is usually taken from the day of travel till the time the traveller reaches back to India.
Things covered under this like :
1) Trip cancellation or delay due to sickness, injury or death in the family that results in a financial loss is typically covered by this policy. 2) Travel insurance offers protection against financial risks and covers your medical expenses if you fall sick while travelling.
what Is Accidental Insurance :
Accidental means is a condition for losses covered under an insurance policy that requires the loss to have been the result of an accident, rather than the result of a non-accident. As a condition,
accidental means is designed to protect insurers from having to pay claims on events that were not accidents.
Health Insurance Plans: Check Online List of Companies In India:
| No. | Health Insurance Plan | Click For Plan | Policy Cover-Up To | Starting at |
| 1. | Care Health | premium | ₹ 5 Lakh | ₹ 396/month |
| 2. | Niva Bupa | premium | ₹ 5 Lakh | ₹ 566/month |
| 3. | Activ Assure – Diamond with Super NCB | premium | ₹ 5 Lakh | ₹ 738/month |
| 4. | DIGIT Super Care Option | premium | ₹ 5 Lakh | ₹ 453/month |
| 5. | Bajaj Allianz Health Guard | premium | Rs. 1.5 Lakh – Rs. 50 Lakh | |
| 6. | Aditya Birla Activ Assure – Diamond | premium | ₹ 5 Lakh | ₹ 433/month |
| 7. | Comprehensive Individual | premium | ₹ 5 Lakh | ₹ 690/month |
| 8. | Young Star Individual Silver | premium | ₹ 5 Lakh | ₹ 448/month |
| 9. | Family Health Optima | premium | ₹ 5 Lakh | ₹ 855/month |
| 10. | Optima Restore | premium | ₹ 5 Lakh | ₹ 738/month |
| 11. | Reliance Health Infinity (More Time) | premium | Rs. 5 Lakh – Rs. 10 Lakh | ₹ 552/month |
| 12. | Royal Sundaram – Lifeline Supreme | premium | Rs. 5 Lakh – Rs. 50 Lakh | ₹ 449/month |
| 13. | Raheja QBE – Arogya Sanjeevani | premium | Rs. 1 Lakh – Rs. 50 Lakh | ₹ 261/month |
| 14. | Liberty General Insurance | premium | Rs. 3 Lakh – Rs. 1 Crore | ₹ 416/month |
| 15. | Universal Sompo – Complete Healthcare Insurance Essential | premium | Rs. 1 Lakh – Rs. 10 Lakh | ₹ 532/month |
| 16. | Future Generali – Health Total Vital | premium | Rs. 1 Lakh – Rs. 50 Lakh | ₹ 610/month |
| 17. | Oriental – Individual Mediclaim Policy | premium | Rs. 1 Lakh – Rs. 10 Lakh | ₹ 637/month |
| 18. | SBI Arogya Premier Policy | premium | Rs. 10 Lakh – Rs. 30 Lakh | — |
| 19. | Tata AIG MediCare Plan | premium | Rs. 3 Lakh – Rs. 20 Lakh | —- |
| 20 | National Parivar Mediclaim Plus | premium | Rs. 6 Lakh – Rs. 50 Lakh | — |
Steps Follow In Insurance :
- Step 1. Check: Whenever you wish to opt for a cashless hospitalization, you need to check the two important things.
Whether the ailment is covered as per the Terms and Conditions of your health insurance policy
Whether the hospital is in the network tie-up of the insurer, Therefore, a phone call to your brother or the insurance company helps before you go ahead with the hospitalization.
- Step 2. Intimate: Whenever you wish to claim on your insurance policy, it’s of utmost importance to intimate the same to the insurance company; either cashless or reimbursement. At the hospital, during admission, you will be asked to fill a Pre-Authorization Form and submit the same at the TPA (Third Party Administration) counter. They will further forward the form to the insurer for cashless approval.
- Step 3. Documents Submission: At the TPA counter, you will be required to submit the documents like the Cashless Health Card provided by your insurer along with certain KYC documents for identity. They might take a copy of the same and return the original documents.
- Step 4. Record Keeping: Once the cashless approval for the claim is received from the insurer, your original documents pertaining to the hospitalization will be retained by the insurer. Hence, it’s advisable to ask for a copy of the same for your records.
- Step 5. Pre-Post Hospitalization: Check about the pre and post hospitalization cover in your health policy. You will need to retain the bills and all associated prescriptions/medical reports to claim the same. This claim is always done on a reimbursement basis. Kindly refer to the Policy Wordings for the timeframes related to the same. Best Health Insurance in India : Check Companies Online Plans In India | TTB Insurance