Buy Health Insurance Plans in India: A Complete Guide

 

One of the wisest moves in today’s fast winding and unwinding world is to buy health Insurance plans in India. Today with increasing medical expenses, sudden illnesses and lifestyle diseases making insurance an absolute must have thing rather than a luxury. At SP Smart Life, we are convinced that taking care of your health and providing for your family is a priority. 

Why Should You Purchase Health Insurance Policy in India?

As it is, the Health care cost in India keep increasing every year. One hospital stay can exhaust years of savings if you are unprepared. A good health care insurance India plan will by all means protect you from medical contingencies and provide you the stimulus to lead a healthy life without having to worry about the dire consequences of becoming ill.

Below are the some of the key reasons why you should have health insurance:

Financial cover: It includes hospitalization, surgeries and treatments.

Cashless service: Treatment is offered by network hospitals without paying anything in advance.

Tax benefits: You can claim deduction for premiums paid under Section 80D of the Income Tax Act.

Wide coverage: Several plans provide cover for pre- and post-hospitalization, ambulance costs and also critical illnesses.

Lifestyle Bonus and the best Health Insurance Plans

When you opt to purchase health insurance plans in India, keep the following features in mind:

Sum Insured Options – Opt for a policy that covers adequately as per your city and lifestyle.

Family Floater Plans -To cover your spouse, children & parents in a single plan.

Cashless Hospitals – Verify if the insurance company has tie-ups with hospitals in your area.

Preexisting Conditions – Certain plans cover pre-existing health conditions after a waiting period.

Add-Ons – Maternity cover, wellness checkups and daily hospital cash are very useful add-ons.

Picking a Health Plan Here’s What You Need to Know To pick the right health insurance, you need to decide what quality you want your coverage to be.

At SP Smart Life, we recommend the following step-by-step process before you purchase a health insurance policy in India:

Assess your needs What’s significant to take into account are the age of you and your family members and their medical history.

Compare policies- The premiums, claim settlement ratios and customer reviews when checked before you sign a policy, will help you decide the best fit for your requirements.

Know exclusions: Before you buy, know what is not covered.

Look at waiting periods, particularly for maternity and pre-existing conditions.

Shop for lifelong renewability - it’s a long-term benefit to keep you protected from now until forever.

Why Buy from SP Smart Life?

Considering a variety of insurance providers, you can be puzzled by the choice of options. For consumers, SP Smart Life makes the process easy with expert advice, unbiased comparisons and trustworthy after-sales service. Our aim is to make it easier for you to buy the best health insurance policy by making a fair comparison of the plans available in the market.

We partner with some of the best insurance companies, so that you receive affordable rates, clear policies and hassle free service. Be it for single, family or critical illness cover, we have you covered.

Final Thoughts

Medical emergencies don’t arrive after knocking at the door; however, being financially prepared plays a major role. At times like these, when you purchase health insurance plans in India, you do not just provide for your health but also secure your future financial stability. At SP Smart Life we are here to advise you on how to make sensible decisions in order for you to live life positively and calmly.