​How to pick the best health insurance policy for you​​​

1. Calculate your health insurance sum insured after analysing your present and future liabilities

Taking example of Sandeep; as he was the sole earning member of his family, he had financial liability like education to his children, family’s everyday expenses, etc. In such a situation, the sum assured has to be high, only then Sandeep could have managed his daily expenses and children’s education without letting his savings impact.

2. Look for the best health insurance company

Health insurance policies are provided by both life insurance providers as well as general insurance providers. As experts recommend, a top health insurance policy must be always bought from general insurance companies because there is difference in premium and by a common belief a life insurance company is usually known to focus more on life policies rather than health insurance.

3. Do a comparative study of health policies/premiums offered by top health insurance companies in India

It is always recommended before you buy the best health insurance policy from a health insurance company in India, as a thumb rule compare the health policy benefits and premium amounts offered by different general insurance companies to determine which is the best health insurance company in India. Also ensure to double-check the exclusion mentioned in the health insurance policy before buying same.

4. Check the track record of the general insurance company

While answering the question ‘Which medical insurance is best’ make sure your health insurance provider has a good claim settlement track record. You can find the same over internet reviews, from friends and family, etc. 

5. Check the list of network hospitals associated with the general insurance company

The top and best health insurance companies generally have tie ups with certain hospitals in a locality. These hospitals are named as network hospitals in the policy and they provide cashless facility to individuals having health insurance with that specific company. Check if the hospitals mentioned in the health insurance policy are also in your locality or vice-versa. At the time of emergency, it is very important to have the hospital close to your home than in a separate corner of the city you reside in. 

Reliance General Insurance has over 4000 preferred hospitals in its network list. It provides one of the best health cover policies in India. Recently the company has been awarded with prestigious awards for being the best health insurance company in India. Insure yours and your family’s health with Reliance General Insurance and stay assured of better care if the need arises​.​

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