How to Buy Health Insurance Online 2023 – 30% Discount

What is health insurance and how to buy health insurance plan, what are its benefits and which health insurance plan should we buy?

Friends, you would know that any disease does not come by telling you, the disease can come anytime, in such a situation, if you or someone in your family becomes very ill, then the cost of his treatment can be spent on your pocket.

But if you continue to take any plan of health insurance, then you will get the benefit according to that plan. If any member of the family falls ill, the health insurance company bears the entire cost of his treatment.

What is health insurance?

Health insurance is a type of insurance plan. In which you are financially assisted in case of your medical emergency, according to your health insurance plan, the company helps you financially for surgical expenses, care expenses, medicine expenses and critical illness expenses.

In health insurance scheme, under the insurance plan purchased from the company, financial assistance is provided to you by the company in case of your medical emergency, during the treatment the company gives you a health coverage. Under this scheme, you get the benefit of a cashless medical treatment, which does not cost your pocket.

Why should buy health insurance?

You would know that any disease never comes by telling, disease can come in any situation because there is no dearth of diseases in today’s lifestyle, there are many diseases like – Covid-19, Omicron, swine flu etc. There are diseases for which the cost of medicine and treatment can be spent on your pocket.

In this situation, it is very important to have a health insurance that provides financial support and protection to you and your family for hospitalization and critical illness expenses.

Apart from health coverage, you also get exemption on payment of premium under Section 80D of the Income Tax Act, 1961 under the insurance plan.

Best Health Insurance plan in india 2023

Insurance Company	Health Insurance Plane	Sum Assured	Claimed Ratio	Hospital Network
Aditya Birla Health Insurance	Active Assure Diamond Plan	Minimum: 2 Lakh Max: 2 crores	59%	6000+
Bajaj Allianz Health Insurance	Health Guard Plan	Minimum: 1.5 Lakh Max: 50 lakhs	85%	6500+
Bharti AXA Health Insurance	Smart Health Assure Plan	Minimum: 3 lakhs Max: 5 lakhs	89%	4300+
Care Health Insurance (earlier known as Religor Health Insurance)	Care Health Care Plan	Minimum: 4 lakhs Max: 6 crores	55%	7400+
Chola MS Health Insurance	Chola Healthline Plan	Minimum: 2 Lakh Max: 25 lakhs	35%	6500+
Digit Health Insurance	Digit Health Insurance Plan	Minimum: 2 Lakh Max: 25 lakhs	11%	5900+
Edelweiss Health Insurance	Edelweiss Health Insurance Plans	Minimum: 5 lakhs Max: 1 crore	115%	2578+
Future Generali Health Insurance	Future Generale Critical Care Plan	Minimum: 5 lakhs Max: 50 lakhs	73%	5000+
IFFCO Tokyo Health Insurance	Health Protector Plus Plan	Minimum: 2 Lakh Max: 25 lakhs	102%	5000+
Kotak Mahindra Health Insurance	Kotak Health Premier Plan	–	47%	4800+
Liberty Health Insurance	Health Connect Supra Top-up Plan	Max: 1 crore	82%	3000+
Max Bupa Health Insurance	Companion Individual Health Plan	Minimum: 3 lakhs Max: 1 crore	54%	4115+
ManipalCigna Health Insurance	Prohealth Plan	Minimum: 2.5 Lakh Max: 1 crore	62%	6500+
National Health Insurance	National Parivar Mediclaim Plus	up to 50 lakhs	107.64%	6000+
New India Assurance Health Insurance	New India Assurance Senior Citizen Medi Claim Policy	Minimum: 1 lakh Max: 15 Lakhs	103.74%	3000+
Oriental Health Insurance	Individual Mediclaim Health Plan	Minimum: 1 lakh Max: 10 lakhs	108.80%	4300+
Raheja QBE Health Insurance	Health QBE	Minimum: 1 lakh Max: 50 lakhs	33%	2000+
Royal Sundaram Health Insurance	Lifeline Supreme Plan	Minimum: 5 lakhs Max: 50 lakhs	61%	5000+
Reliance Health Insurance	Critical Illness Insurance	Minimum: 5 lakhs Max: 10 lakhs	14%	4000+
Star Health Insurance	Family Health Optima Insurance Plan	Minimum: 1 lakh Max: 25 lakhs	63%	9800+
SBI Health Insurance	Arogya Premier Policy	Minimum: 10 lakhs Max: 30 Lakhs	52%	6000+
Tata AIG Health Insurance	Tata AIG Medicare Plan	Minimum: 2 Lakh Max: 10 lakhs	78%	3000+
United India Health Insurance	United India UNI Criticare Health Plan	Minimum: 1 lakh Max: 10 lakhs	110.95%	7000+
Universal Sompo Health Insurance	Individual Health plan	Max: 10 lakhs	92%	5000+

Health Insurance Coverage 2023

The coverage offered in a health insurance plan is given according to your plan. A good quality health insurance plan can meet all your needs. Below we have discussed about a normal health insurance coverage.

General Health Insurance Plan Coverage

• hospitalization expenses
• Donor expenses in case of organ donation
• pre-existing illness expenses
• Pre and post hospitalization expenses
• ambulance charges
• maternal or neonatal
• health check up
• daycare procedures
• home treatment or domiciliary treatment

Which health insurance plan should you buy?

Your  Need	What  should you take
receiving a fixed amount per day during hospitalization	Hospital Cash Plan
Coverage for Senior Citizens	Senior Citizen Health Insurance
If a critical illness is diagnosed/hospitalised or the illness results in loss of income of the insured	critical illness plan
When the income of a casual disability has stopped	Personal accident insurance
Coverage of hospitalization and surgical bills	Medical Insurance that provides cashless service and claim reimbursement
Coverage for the entire family in a single plan	Family Floater Health Insurance
Coverage of caesarean or normal delivery	maternity insurance

How to Buy Health Insurance Online?

1. First of all go to the official website of your favorite health insurance company.
2. Click on New Registration.
3. Select your gender and enter your full name.
4. Enter mobile number and age and click on view plan.
5. Select your city and enter pincode.
6. If you are taking any medicine then click on yes otherwise click on no.
7. Pay the first premium by selecting your plan.
8. Submit after completing all the steps.
9. Complete details of the policy will be sent to your email ID.

Note - If you want to ask anything about its registration or plan, then you can contact the helpline number of that company.

Government Health Insurance Schemes List 2023

Here is a list of some government health insurance schemes, in which the Government of India itself supports itself. Under these schemes, financial assistance is provided to the economically weaker sections of the society for medical emergencies.

1. PMJAY: Ayushman Bharat Scheme
2. Pradhan Mantri Suraksha Bima Yojana (PMSBY)
3. National Health Insurance Scheme
4. Universal Health Insurance Scheme (UHIS)
5. Aam Aadmi Bima Yojana (AABY)
6. Employment State Insurance Scheme (ESIS)
7. Central Government Health Scheme (CHGS)

I hope that through this article of ours, you have got complete information about health insurance and you must have also learned how to buy health insurance.