How to Buy Health Insurance Online 2023 – 30% Discount

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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 CompanyHealth Insurance PlaneSum AssuredClaimed RatioHospital Network
Aditya Birla Health InsuranceActive Assure Diamond PlanMinimum: 2 Lakh
Max: 2 crores
Bajaj Allianz Health InsuranceHealth Guard PlanMinimum: 1.5 Lakh
Max: 50 lakhs
Bharti AXA Health InsuranceSmart Health Assure PlanMinimum: 3 lakhs
Max: 5 lakhs
Care Health Insurance (earlier known as Religor Health Insurance)Care Health Care PlanMinimum: 4 lakhs
Max: 6 crores
Chola MS Health InsuranceChola Healthline PlanMinimum: 2 Lakh
Max: 25 lakhs
Digit Health InsuranceDigit Health Insurance PlanMinimum: 2 Lakh
Max: 25 lakhs
Edelweiss Health InsuranceEdelweiss Health Insurance PlansMinimum: 5 lakhs
Max: 1 crore
Future Generali Health InsuranceFuture Generale Critical Care PlanMinimum: 5 lakhs
Max: 50 lakhs
IFFCO Tokyo Health InsuranceHealth Protector Plus PlanMinimum: 2 Lakh
Max: 25 lakhs
Kotak Mahindra Health InsuranceKotak Health Premier Plan47%4800+
Liberty Health InsuranceHealth Connect Supra Top-up PlanMax: 1 crore82%3000+
Max Bupa Health InsuranceCompanion Individual Health PlanMinimum: 3 lakhs
Max: 1 crore
ManipalCigna Health InsuranceProhealth PlanMinimum: 2.5 Lakh
Max: 1 crore
National Health InsuranceNational Parivar Mediclaim Plusup to 50 lakhs107.64%6000+
New India Assurance Health InsuranceNew India Assurance Senior Citizen Medi Claim PolicyMinimum: 1 lakh
Max: 15 Lakhs
Oriental Health InsuranceIndividual Mediclaim Health PlanMinimum: 1 lakh
Max: 10 lakhs
Raheja QBE Health InsuranceHealth QBEMinimum: 1 lakh
Max: 50 lakhs
Royal Sundaram Health InsuranceLifeline Supreme PlanMinimum: 5 lakhs
Max: 50 lakhs
Reliance Health InsuranceCritical Illness InsuranceMinimum: 5 lakhs
Max: 10 lakhs
Star Health InsuranceFamily Health Optima Insurance PlanMinimum: 1 lakh
Max: 25 lakhs
SBI Health InsuranceArogya Premier PolicyMinimum: 10 lakhs
Max: 30 Lakhs
Tata AIG Health InsuranceTata AIG Medicare PlanMinimum: 2 Lakh
Max: 10 lakhs
United India Health InsuranceUnited India UNI Criticare Health PlanMinimum: 1 lakh
Max: 10 lakhs
Universal Sompo Health InsuranceIndividual Health planMax: 10 lakhs92%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 hospitalizationHospital Cash Plan
Coverage for Senior CitizensSenior Citizen Health Insurance
If a critical illness is diagnosed/hospitalised or the illness results in loss of income of the insuredcritical illness plan
When the income of a casual disability has stoppedPersonal accident insurance
Coverage of hospitalization and surgical billsMedical Insurance that provides cashless service and claim reimbursement
Coverage for the entire family in a single planFamily Floater Health Insurance
Coverage of caesarean or normal deliverymaternity 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.

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