Which is the best health insurance policy in India for 25 year old?

[nikhil]

I am 25 year old healthy working professional with no past medical record and no surgeries. I have monthly take home of 90k per month in Hyderabad. Which is the best health insurance policy in India for 25 year old?

[hiren]

There are many policies available in the market to choose from, but not all will cater to your preferences and needs. Hence, being specific about your needs would help you choose the right health insurance policy that best suits your financial needs.

Consider the following while choosing a health insurance policy

• Insurers Claim settlement ratio
• Waiting period
• Exclusions
• No Claim Bonus
• Network hospitals
• Lifetime renewals
• Free check ups
• Inclusion of AYUSH treatment
• Co-payment
• Sub limits
• Add-ons
• Maternity benefits
• Other features available

[nik]

I agree with hiren, also while buyin any health policy some pints you should check is covered:

1. Outpatient care
2. Treatment in the hospital for inpatient care
3. Care before and after your baby is born
4. Mental health and substance use disorder services: This includes behavioral health treatment, counseling, and psychotherapy
5. Services and devices to help you recover if you are injured or have a disability or chronic condition. This includes physical and occupational therapy, speech-language pathology, psychiatric rehabilitation, and more.
6. Your lab tests
7. Pediatric services

[Sonal Chaudhary]

Most of the insurance company provide the following benefits. Look for the best of choice. Post hospitalization coverage extends to 180 days (the usual period is 60 days) Domiciliary treatment covered Emergency ambulance covered Lifelong renewal (no age limit for renewal)Expenses for organ donor covered Restore benefit 50% increase in sum assured for every claim free year (up to a maximum of 100%)