Best Mediclaim Policy for Family in India 2023

Hello Friends, we all need money to meet our medical needs and medical expenses come suddenly.

Sometimes it happens that we do not have any money. But we get afflicted by some disease. Even for minor treatment in hospitals, a bill of thousands of rupees comes.

In such a situation, your savings also end, and sometimes the circumstances become so critical that you need to ask for a loan. Health insurance is bought to avoid similar incidents.

So that you can get financial security during any medical emergency. By the way, many insurance companies provide health insurance in the market. But still, you should buy insurance from companies with some trust. So that in future you do not have to face any kind of problem when you need it.

Today’s article is only about the best Mediclaim policy offered in India. In today’s article, we will learn about the different types of policies offered under health insurance. And at the same time, we will know from which policies you should buy this insurance.

What is Health Insurance

What is Mediclaim Policy?

Mediclaim policy is one such policy. Under which all your medical expenses at the time of any illness are paid by the company. Medical Mediclaim policies can be purchased from an individual to the entire family as well.

If you buy a Mediclaim policy for your entire family, then you do not need to spend money during the treatment of any family member. You can get the money spent for his illness paid by the policy company under the Mediclaim policy.

In the last few years, people have increasingly adopted Mediclaim policies. The reason behind this is the corona virus epidemic. There is hardly any house left during the epidemic, in which there is no corona patient.

Due to lack of hospitals and lack of oxygen in the country, it had become very difficult to treat the corona virus. Expensive medical expenses bring a lot of problems in normal life. To avoid such problems people, buy Mediclaim policy.

If you buy a Mediclaim policy, then you get financial protection from all your diseases. After this, you do not have to pay the money spent in any disease from your pocket.

Best Mediclaim Policy for Family

Friends, the best Mediclaim policy is the one which pays for all your hospitalization expenses. When a person is ill, then the expenses are incurred from taking him to the hospital till he goes home after treatment in the hospital.

All these expenses should be paid by the insurance company. Mediclaim Policy Under this, your actual medical expenses like phone checking, pill medicine, X-ray ambulance cost etc. are covered.

If you get all these features in a medical Mediclaim policy. So, you should buy that policy. If you are looking to buy the best Mediclaim policy in India for your family, then they are as follows.

Mediclaim Policy	insurance Funds Amount (Min to Max)	network hospital	renewability
Adityas Birla Mediclaim Policy	10 Lakh – 30 Lakh	5850+	lifelong
Bajaj Allianz Mediclaim Policy	1.5 Lakh – 50 Lakh	6500+	lifelong
edelweiss Mediclaim Policy	5 lakh one crore	2578	Lifelong
future General Mediclaim Policy	Vital: 3 Lakh, 5 Lakh, 10 Lakh Superior – 15 Lakh,20 Lakh,25 LakhPremiere – 50 Lakh – 1 Crore	5000+	Lifelong
India Aksa Mediclaim Policy	3 lakh, 4 lakh, 5 lakh	4300+	Lifelong
Care health insurance Mediclaim Policy	3 lakh, 60 lakh	4927	Lifelong
Cholamandal Mediclaim Policy	2 lakh 15 lakh	6500+	Lifelong
Digit Mediclaim Policy	2 lakh 25 lakh	5900+	Lifelong
Cholamandal Mediclaim Policy	2 lakh 15 lakh	6500+	Lifelong

Best Mediclaim Company in India

Friends, whenever we buy insurance from a company, we first look at its claim settlement rates. If the claim settlement ratio of a company is good and investing money in it is more likely to benefit you. So, you should choose the same company for the policy.

Although there are many health insurances companies in India, due to the high competition in the insurance company, all the companies want to provide the best facility to their customers. But still, we are telling you the names of some companies whose claim settlement ratios are high.

And people prefer to buy insurance policies from them. Let us know about the best health insurance companies in India.

Health Insurance company	claim settlement ratio	hospital Network
IFFCO Tokio General Insurance	96.33%	1416
Care Health Insurance	95.47%	2500
Magma HDI Health Insurance	95.17%	5016
Oriental Insurance Company	93.6%	NA
New India General Assurance Company	92.86%	1256
Bajaj Allianz General Insurance	92.24%	6277
Max Bhopa Health Insurance	89.46%	5270
Navi General Insurance	86.98%	NA
National Insurance Company	83.78%	NA
Royal Sundaram General Insurance	81.50%	4115
Manipal Sigma Health Insurance	85.72%	6509

Best Mediclaim Policy Cashless

Many times, such a situation comes that we get sick on such an occasion. When there is no money at home, or we become a victim of some untoward incident. If you do not have money, then you will not be able to get your treatment better in this list. That’s why cashless policy is given importance.

Under the cashless policy, the insurance holder is treated in a cashless manner. For this, the insurance company meets all your expenses from pre-hospitalization to post-hospitalization together with the hospital. You do not need to pay any money.

5 Best Cashless Health Insurance Policies

1. Apollo Munich Optima Restore Health Insurance ICICI Lombard Health Care Plus
2. Care Health Plan ( Religare )
3. Niva Bupa Health Insurance
4. Bajaj Allianz Health Insurance Family Floater

Best Mediclaim Policy for Senior Citizens (Age Above 65) in India

50, a person is surrounded by different types of diseases. In such a situation, senior citizens need health insurance even more. Suffering from serious diseases is a common problem at this age.

There is no separate policy purchase for senior citizens. Because usually those who have health insurance. They are available only till the age of 60 years. In such a situation, separate policies are brought by insurance companies for senior citizens.

1 Active Care Senior Citizen Plan by Aditya Birla Health Insurance in which the minimum age of the applicant: 55 years and maximum: 80 years.

Amount:
Standard: Max 10 Lakh
Classic: Max 10 Lakh
Premier: Max 25 Lakh

2 Silver health plan policy of Bajaj Allianz Health Insurance in which the age of the applicant should be Minimum: 46 years to Maximum: 70 years.

Amount:
Minimum: 50,000
Maximum: 5 Lakh

3 Smart Super health insurance plans from Bharti AXA Health Insurance which offers health insurance to individuals aged 18-65 years.

Amount:
Minimum: 5 Lakh
Maximum: 1 Crore

4 Care Health Insurance in which the age of the applicant can be Minimum: 46 Years to Maximum: Lifetime.

Amount:
Minimum: 3 Lakh
Maximum: 10 Lakh

5 Individual Healthline plan offered by Cholamandalam Health Insurance in which minimum: 3 months to maximum: 65 years a person can buy an insurance policy.

Amount:
Minimum: 2 Lakh
Maximum: 25 Lakh

Best Group Mediclaim Policy

Group Mediclaim Policy is a policy that is bought by an organization or company for a group of people. This policy provides an additional benefit to the employees of the company.

Through these policies, the customers are given the benefit of insurance in case the employees face any health-related problems. Many types of group policies also provide cover to the family members of the employees.

If you are looking to buy a group policy, while buying a group policy, it should be kept in mind that under which policy all the expenses related to the hospital are being paid by the company. Which company has higher settlement ratio?

Insurance company Of Name	settlement ratio	hospital network
Bajaj Allianz Group Health Insurance	81.96%	6500+
Bharti AXA Group Insurance	77.50%	4500+
Care Group Health Insurance	59.13%	5400
Cholamandal MS Group Health	40.67%	8000+
Edelweiss Group Health	NA	4500+

Best Mediclaim Policy for Heart Patient

keep hearing about diseases like heart attack, cardiac arrest around us. Heart disease has become very common in today’s era. It is not known when a person will get heart related disease.

That’s why people are now showing interest in buying heart related insurance plans. It is a critical disease, under which you have to pay huge medical expenses.

If you are a heart patient, then you should choose such a policy, under which all the expenses from pre-hospitalization to post-hospitalization are covered. And it should also have the facility of free checkup for the whole year.

If you become a victim of any disease related to heart disease, then all the money spent on your treatment should be paid by the company. If all these facilities are being provided by a company in insurance, then you should buy this insurance policy.

Insurance company	Policy Of Name
Bajaj Allianz	Critical Illness Insurance Plan
Care Health Insurance	Care Heart Plan
Star Health Insurance	Star Cardiac Care Plan
ICICI Prudential General Insurance	ICICI Papru Heart Plan
Future Generali India	Future Generali Heart and Health Plan
IFFCO Tokio General Insurance	Critical Illness Benefit Plan
The New India General Insurance	New India Floater Mediclaim Plan
Max Bhupa Health Insurance	Max Bhupa Criticare Plan
Oriental Insurance Company	Individual Mediclaim Plan
HDFC ERGO General Insurance	Optima Vital Health Insurance.

Best Mediclaim Policy for Diabetic Patients

Friends, the problem of diabetes is a very common problem. Many people are falling prey to diabetes. Diabetes treatment goes on continuously, and it costs you a lot of money. That’s why most of the people want to buy Mediclaim Policy for Diabetes.

Mediclaim policies for diabetes are provided by various companies so that diabetes can be treated under health insurance if needed. In which all the hospital expenses related to your diabetes are given by the insurance company.

Generally, Mediclaim policy is given for diabetes patient from 18 to 65 years. You can buy this policy even if you are already a diabetic patient.

If you die due to diabetes. So, in this situation your family is provided insurance cover ranging from ₹ 300000 to ₹ 1000000. Under this policy, all the money spent on the treatment of diabetes such as checkup, pills, ambulance expenses, etc. are included. Best Mediclaim Insurance Cashless Policy for the Family in India. Best Group Mediclaim Policy Company for Old Age (Senior Citizens Above 65 in India), Heart Patient, Diabetic Patients with Low Premium, OPD Coverage, Maternity Benefits, Review, Top Up Plan, etc.”

Various companies provide diabetes related insurance to their customers for diabetes.

• Star Health Insurance
• ICICI Prudential
• Apollo Munich Health Insurance
• National Insurance
• Care Health Insurance

Best Mediclaim Policy with OPD Coverage

OPD means: Outpatient Department, that is, such diseases are treated in which the patient does not need to be admitted to the hospital. These are common diseases.

Often seen, insurance cover is not provided for OPD treatment. But still there are some companies, which provide OPD coverage to their customers. Let us know, the best Mediclaim policy with OPD coverage.

• To get OPD coverage insurance, it is generally necessary for the applicant to be above 18 years of age.
• However, some companies also provide OPD insurance to a person below 18 years of age.
• Coverage up to a maximum of ₹ 50000 is mainly provided under OPD.
• People who have to go to the doctor again and again. He can take advantage of this policy.

Name of the major plans offering OPD coverage.

• Aditya Birla Active Health in Health Platinum Plan
• Bajaj Alliance Tax Gain
• Bharti AXA Health Advantage
• Cholamandalam Family Health Line Plan
• Care Family Health Insurance Plan
• Digit Health Care Plus OPD Insurance Plan
• Niva Bhopa Go Active Health Plan.

Best Mediclaim Policy with Low Premium

We want to buy health insurance, but the cost of health insurance is very high, due to which our mind wanders, due to the high amount, we shy away from taking health insurance.

Health insurance is a major need today. Finding a cheap and good policy is also a task in itself. Often, we see, the premium amount of the health insurance policy is very high. Which are far from the reach of the common man.

That’s why it is very important to know about such insurance plans, which can be found in affordable prices.

Best Mediclaim policy with low premium:

• Edelweiss General Insurance – Rs. 387 (Rs. 4,645 annually)
• Care Health Insurance – Rs. 396 (Rs. 4,748 annually)
• Aditya Birla Health Insurance – Rs. 433 (Rs. 5,197 annually)
• Star Health And Allied Insurance – Rs. 448 (Rs. 5,375 annually)
• ManipalCigna Health Insurance – Rs. 509 (Rs. 6,106 annually)

Best Mediclaim Top UP Plan

Top up plans come in handy when you have reached the maximum coverage limit of your previous insurance plan. In simple language, if the limit of the maximum amount of your health insurance has been met. But still, you need more money for your treatment.

Top up plans are helpful in situations when your treatment is in the middle of an illness, and you run out of money. In this case you do not need to buy new feed. You can increase your sum insured only by purchasing a plan.

• Max Bupa Health Insurance can be bought for ₹1094. This is a top up plan. Which can give you maximum coverage up to Rs 9500000.
• HDFC Agro My Health Insurance Plan gives you a coverage of up to Rs.2000000 for just Rs.1817.
• Care in Hand Super Top Up Plan ₹ 3087 Coverage is given up to a maximum of Rs.

Best Mediclaim Policy with Maternity Benefits

Friends’ insurance plan is given to you for many diseases apart from other natural conditions as well. Maternity insurance covers all the expenses that come during pregnancy. Some companies even provide pre- and post-natal expenses to their customers.

During maternity insurance, the insurance holder’s nursing room charges, doctor’s fees and consultation charges are all the charges of nsthetist consultation. In the last few years, women have turned more towards private hospitals for delivery the day after tomorrow.

Because due to shortage of staff in government hospitals, care is not available and due to overcrowding, proper treatment is not available in time. Because of which now most of the women give birth in private hospitals. During this, a lot of expenditure is also incurred in this whole process.

Due to which there may be a burden on your pocket. That is why a Mediclaim policy is taken for maternity benefits.

• Active Health Platinum – Enhanced Plan
• Health Guard Gold Family Floater Health Insurance Policy
• Smart Super Health Insurance Policy
• Care Health Joy Health Insurance Plan
• Privilege Healthline Insurance Plan
• Digit Health Insurance Gold and Platinum Plan with Maternity Cover
• Future Generali Comprehensive Health Insurance (Superior & Premier)

Best Mediclaim Policy Review

Friends, whenever we buy something, first of all we know about its reviews. So that we know which policy is better and buying which policy can benefit you more. As in today’s topic, we have come to know about Best Mediclaim Policy.

Under this we talked on many topics. Be it OPD Mediclaim Policy or Maternity Mediclaim Policy. We have discussed all these in detail and have given you complete information about all the best Mediclaim policies.

If you want to buy any policy. So, it is better, you buy the best Mediclaim policy of that policy. So that there is very little chance of fraud and cheating with you.

We have told you the best policy related to insurance. She has told on the basis of which policies maximum insurance has been provided to her customers. You are informed about all Mediclaim policies based on claim settlement ratios.

The Bottom Line:

In today’s article, we learned about the best Mediclaim policy. Also discussed about various topics of Best Mediclaim Policy.

Hope you have got all the information related to the subject. For more such important information, you can visit our website. Where you have been given different types of information related to insurance. Please pass this article to your friends. So that they can get this important information.

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