1. Star Health and Allied Insurance
- Claim Settlement Ratio: 94.91%
- Key Features:
- Direct in-house claim settlement without third-party involvement.
- Extensive network of over 8,000 hospitals.
- Coverage includes pre-hospitalization (30 days) and post-hospitalization (60 days) expenses.
- No-claim bonus for claim-free years.
2. Niva Bupa Health Insurance (formerly Max Bupa)
- Claim Settlement Ratio: 97.80%
- Key Features:
- Direct claim settlement process.
- Comprehensive coverage options with sum insured up to ₹1 crore.
- Cashless hospitalization across a wide network of hospitals.
- No capping on room rent charges.
3. Care Health Insurance (formerly Religare Health Insurance)
- Claim Settlement Ratio: 95.47%
- Key Features:
- Cashless treatment available globally.
- Innovative health plans with quick claim settlement processes.
- In-house claim team ensures processing within two hours.
- User-friendly mobile app for easy claim submission.
4. HDFC ERGO Health Insurance
- Claim Settlement Ratio: 93.72%
- Key Features:
- Digital-first approach with quick claim settlements.
- Comprehensive health insurance plans with extensive coverage.
- 24/7 customer support for claim assistance.
- Network of over 12,000 hospitals for cashless treatment.
5. ManipalCigna Health Insurance
- Claim Settlement Ratio: 93.27%
- Key Features:
- Comprehensive wellness programs and global coverage options.
- Efficient claim processing with a high settlement ratio.
- Wide range of health insurance products tailored to various needs.
- Strong network of hospitals offering cashless services.
When selecting a health insurance plan, consider factors such as the claim settlement ratio, network hospitals, coverage benefits, and customer service quality. Reviewing the policy terms and conditions thoroughly will help ensure the plan aligns with your healthcare needs and provides a hassle-free claim experience.