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The definition of the best health insurance company varies depending on the needs and health goals of different individuals. For example, some people may prefer one insurance company over another because it has a large network of partner hospitals that provide cashless claims services, while others may value the quality of services provided or the availability of customer service. Each health insurance company differs from each other in its own way and it is difficult to find a health insurance company that suits everyone’s needs.
How To Choose A Health Insurance Company
There are some common factors that you should consider while buying a health insurance plan.
● Availability of Health Insurance Plans
While some insurance companies only offer individual health insurance and family health insurance, others offer plans targeted at certain groups such as women, children and senior citizens. Therefore, always buy a plan from an insurance company that offers a plan that matches your needs.
● Check Claim Settlement Ratio
The claim settlement ratio of a health insurance company determines the number of claims settled by the insurance company out of the total number of claims received in a financial year. The higher the claim settlement ratio, the better.
● Cashless Network Hospital
Every health insurance company has a number of hospitals with which it has tie-up to provide cashless claim solutions. While selecting a health insurance company, it is imperative to check the strength of the cashless network hospital that the company is offering. The wider the network, the better you can start a cashless claim at the nearest hospital.
Ratings and Reviews
Knowing the reviews of existing policyholders about a health insurance company helps you make an informed decision. For this, you can read customer reviews of various insurance companies on InsuranceDekho and go for the company which has a positive response. Also consider the star ratings of insurance companies. Search about on Google and YouTube.
● Customer Support and Service
Check out the customer service offered by the health insurance company.. Make sure to choose a health insurance company that offers 24*7 customer service so that you can get instant help whenever you want.
● Check Claim Settlement Process
Also very important that you choose an insurance company that offers a smooth claim settlement process as no one wants to deal with time-consuming, complicated operations in the middle of an emergency. Consequently, it is recommended that you choose an insurance company with a seamless claim settlement process to save time and effort.
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