Best online health insurance for family

[shubh]

We are total 3 member in my faimily including my wife aged 35 and daughter 12 yrs. I am 40 yrs old. I am looking for Best online health insurance as family floater with cover around 2-3 lacs. Kindly suggest me policy which is very good for tier II and III cities with minimum premium..

 

[bhumeshpawar]

Hey Subh,

That was a sensible decision you took of securing yourself and your family with a family medical insurance. Just look into the following things before opting for a provider.

• Network of hospitals
• Claims settlement (is it in-house or third party as this will this will settle claims quickly if its in-house)
• Age criteria.
• Benefits covered under it.

I personally would recommend Future Generali as they have good offers. Hope this helps.

 

[abdriver2000]

Insurance is not about offers or the cheapest deal. Read the fine print and compare different policies both online and offline to arrive at the best solution.

In life insurance, some companies want you to lodge a claim within 15 days only, but LIC is quite liberal. Similarly for car insurance, some companies want theft FIR to be filed in 6hrs. National insurers may be slow but they will not disqualify claims on petty grounds.

Read the inclusions and exclusions for the policies and then shortlist the best one. If a customer has to be enticed with an offer to purchase it, most likely it is inbuilt into the premium. Stay away from freebies.

From personal experience, Bajaj Allianz has been the best. Claimed twice and got 100% reimbursed within 21 days.

 

[RDutt]

This is one field where a lot of confusion always prevails due to many kind of offers floated by the Companies to lure the customers. I have heard many narrating their experience that they kept paying the premiums but in need they were made to run pillar to post to get the genuine claims.

Here, only experience of broaders can help identify the best suitable company.
Please keep elaborating the experiences..
regards,

 

[bhindaas]

Shubh, Try http://www.policybazaar.com/health-insurance/health-insurance-india.aspx to compare policies.
I too am looking for a family health isurance and found this site to be good for comparisons. Hope it is of help for you.

Cheers!

 

[Fortantimme]

Any examples of good, inexpensive family health insurance?

 

[RagShri]

Hey Shubh,

there are various trusted brands in the health insurance industry out of which bajaj allianz , tata and HDFC ERGO are trusted names. Out of due to personal experiences with certain brands, i would put my concrete words down that HDFC ERGO has a comparatively heavier hand over the others. You may explore the below given links for further knowledge. http://www.hdfcergo.com/health-insurance/health-suraksha.html http://www.bajajallianz.com/Corp/healthinsurance/health-insurance.jsp

 

[addybrown33]

I think you can compare health insurance policy from different company and choose the best plans for your family.

 

[Ankit Deshpande]

Well Shubh; I would like to tell you that there are several health plans available with different general insurance providers, all you need to do is your own research with respect to few things. I will suggest you to do your research with respect to your health, your wife’s health, your budget and most important if you want to insured with critical illnesses you need to buy plan accordingly. I am sure if you do this you will find best online health insurance plan, also you can check with Chola MS health plans.

 

[rahulRR]

All have shared grate information about online health insurance for family i also referred an online source which offers best insurance policies for family. https://www.rrfinance.com/Insurance/Life Insurance/Default.aspx