Health Insurance – A Personal Lifeline

Health plan is one of the major pre-requisites to secure one from huge financial costs during health emergencies. Hence, it has significant importance in a person’s life.

There are many people who still are not completely aware of the vitality of health insurance. It’s something which requires a long-term perspective and hence needs to be preceded with a good amount of research.

How to get the most appropriate health insurance?

Health insurance is indeed a person’s lifeline. It protects the person from several medical emergencies. However, the question is how to get the most appropriate health plan?

The easy way to get health plan which suffices one’s requirements is the online way. It’s very convenient for one to compare health insurance quotes of different insurance companies online. Also you’re able to gauge all the details of respective insurance company online by just browsing its website.

Note- Don’t forget to browse through the inclusion as well as exclusion parameters before purchasing a policy.

Want to get the best health insurance? You’re just one click away!

Chasing all the insurance companies on road to figure out the most suitable one is a challenging task. Also it gives you limited number of options to choose from. However, when you choose the online way, you can browse through all the leading insurers in India at ease. In this way, you will be able to compare from an array of insurance quotes and select the most appropriate health insurance.

Note- Look for the option named €Request for Quote€. You will be able to spot this on most websites of leading health companies. Hence, you’re just one click away from the best health plan you can get!

What information one needs to give to get a quote online?

One needs to give the following information-

€ One needs to analyze which kind of insurance plan he/she needs

€ 2 options are available before a person. They are-

1) Individual health plan- covers the individual against health emergencies

2) Family floater- covers the entire family against health emergencies

€ One needs to mention the correct age groups of all family members

€ One needs to mention the sum insured amount expected

€ List down the correct contact details

Further are certain aspects about health insurance which one needs to remember-
Cashless mechanisms-

A person can avail comprehensive treatment from empanelled group of hospitals as mentioned by the particular insurance company, all this without paying anything. It’s because your insurance company will be liable to settle your claims with the concerned hospital.

Get compensated-

One gets a reimbursement facility when one avails treatment within a non-network hospital. When one submits the original bills & other specific documents within stipulated timeframe, he can get a reimbursement from the insurance company.

What’s CSR?

The term CSR is known as €Claim Settlement Ratio€. It’s important to check claim settlement ratios of health insurance providers. If a company shows an upside CSR of more than 90%, it’s termed good.

Note- Track the company’s minimum 3 year’s CSR. It will tell you about the firm’s quality of service towards its customers.


Divya Shetty, holds advanced degrees in arts and has worked as a content writer. She is a popular speaker and lecturer. For more information visit: – Health insurance.