We all are living in an Earth where nothing is constant, not even health. Everything in this Earth is contaminated from the air we breathe to the water we drink and the foods we eat. These contaminations are the primary reasons for most of the diseases that humans are suffering from now a day. All of us earning for a better future, but some unplanned illness can have a sudden blow on our plans. All the dreams can be smashed that you have been planning for you and your family. As health problems do not notify you beforehand so to protect you from health issues, you must have some health insurance to cover up these untimely disasters. Here are some Best Insurance Company for your family.
But before applying you must research and put your money on the best policies. We have researched for you the best five health insurance to keep you and your family safe.
Religare Care: From our survey, the claim settlement ratio of this company is 93%, and the effective ratio is 99% according to public disclosure in the year 2018-2019. The minimum entry for this plan is 3 years for children and 18 years for an adult. However, no maximum age limit is there. The minimum sum you can get surely from an investment here is 3lakhs to 60lakhs. Also, you can enroll for 6members, including 2children for this plan.
Max BUPA Health Companion: The claim settlement ratio is 96%, as well as the effective ratio, is 96% for this company’s plans. No maximum age is fixed for enrolling in these plans, but there is a set age limit for children of a minimum of 3 years and adults 18 years. The maximum sum you can get back varies from 3 lakhs to 1crore. You can buy insurances for 2children and 4 adults.
Star Family Health Optima: The claim settlement ratio is 90%, and the effective ratio is 95%. Minimum entry age staring from 16 days one can apply up to a maximum of 65 years of age in these insurances. The minimum and maximum sum assured varies in between 2 lakhs to 15 lakhs. You can enroll 5 members in their plans.
Apollo Munich Optima Restore Family: Both effective ratio and claim settlement ratio is 92% according to public disclosures. There is a plan for anyone starting from 5 years to 65 years. You get a minimum of 3 lakhs and maximum of 50 lakhs from these insurances. They cover for up to 4 adults and 2 children. They have a waiting period of 3 years for pre-existing medical conditions.
HDFC Health Suraksha: As per public disclosure, the claim settlement ratio is 97%, and the effective ratio is 99%. From 3 years you can start enrolling for your loved ones although they cover for only 4 members they cover from 3 lakhs to 7.5 lakhs. The waiting period for claims is 4 years.
So after reviewing these insurance company you can figure out which is the Best Insurance Company for you to use money wisely, invest in a plan with any of these health insurances, and secure the future of your loved ones.
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