Which health insurance plan is the best to buy today?

[Madhura]

Hi

I have checked policybazar was looking for health insurance. I am not sure what should I check so i dont get any problem when I need to claim.

Which plan is the best to get today?

I need family floater, my, wife and small kid 4 years. I will need plan of 3 lac or 5 lac. We are 38 and 36 years old.

Please help me to decide which plan I should buy.

Regards

When you are applying for a health insurance policy always mention pre-existing disease in the proposal form and in detail.

Also read - When Pre-existing disease will be covered?

If a person in your family has some disease then it's better to go for a separate policy for that person not family floater. (How much health insurance do you need?)

Every company pay claim (see no reason why they will not), if you are claiming with in the Terms and Conditions of the policy. So read T&C of the policy document carefully (specially co-pay etc).

Also read - How to prevent rejection of Health Insurance Claim?

Health care is very costly now a days and if you are living in Metro opt for Sum Insured Accordingly.

Also read - Tips to SAVE Health Insurance Premium