Parenting is one of the most exciting and rewarding experiences in life. Welcoming a newborn in the family comes with lots of happy moments and responsibility. As parents, you would do everything in your power to protect your children and give them the best life possible. In order to ensure your and your children’s safety you must invest in a health insurance best plan.
Let’s comprehend why health insurance is crucial for new parents, what factors to consider when choosing a plan, and the top 3 health insurance best plan you can rely on.
Understanding Health Insurance
The best family health insurance plans in India cover your medical expenses, including the pre-and post hospitalisation expenses, daycare treatments, prescription medications, surgeries, maternity care, and more. In India, where medical expenses can quickly become a burden, health insurance acts as a safety net for you and your family, offering peace of mind and financial protection.
As new parents, the best health insurance plan is highly recommended for you. It ensures both the mother’s and the baby’s health safety by providing prenatal and postnatal care during this transformative time.
Why is the Need for Health Insurance?
Welcoming a child in the family comes with great responsibility. It changes the dynamics of your family especially financially. Postnatal care of the mother and the baby care such as vaccinations can add up quickly, creating a financial burden on you during this critical journey.
Mentioned below are a few reasons that explain the need for health insurance or a top up health insurance.
High Medical Costs
Due to technological advancements in the country, medical expenses are skyrocketing. The cost of maternity care, including prenatal and postnatal care, hospital stays, and normal or cesarean delivery, can be expensive. Having health insurance helps reduce the burden of these expenses.
Newborn Care
The babies often need vaccinations and health check-ups to detect any potential diseases. The best health insurance plans in India cover newborn care, ensuring your baby’s safety.
Emergency Care
Life is full of uncertainties. Pregnancy is different for every woman. Gestational deviates and preterm labour are common complications that can disrupt the mother’s journey. Such medical conditions often require immediate hospitalisation. The best health insurance plans in India include emergency care.
Preventive Care
The health insurance best plan includes regular health check-ups, vaccinations, and screenings, which can help in the early detection of diseases. Preventive care can significantly mitigate the risk of future health issues.
Top 3 Health Insurance Plans in India
There are various insurance options available, and choosing the one that aligns with your needs and requirements can be a daunting task. Here are the top 3 insurance companies you can consider:
Niva Bupa
- Niva Bupa offers extensive coverage, including pre-and post-hospitalisation, daycare treatments, outpatient treatments, domiciliary treatments, maternity and newborn care, and more, reducing your financial burden.
- Niva Bupa now has 10,000+ network hospitals in India that provide cashless assistance. If you seek medical care at these hospitals, your insurance company will handle the payment directly, eliminating the need for upfront payments.
- Niva Bupa has a high claim settlement ratio of more than 95%, indicating its credibility
- Wellness programmes and preventive care, such as screenings, vaccinations, and regular health checkups, are covered under insurance plans. This encourages health management and enhances your policy.
Star Health and Allied Insurance
- They are known for their unique family floater plans, which include spouses, children, and parents under a single policy.
- Their plans cover a wide range of medical expenses, such as pre-and post-hospitalisation expenses, domiciliary treatments, and more.
- If no claims were made in the previous year, the insurance company will raise the sum insured for each claim-free year.
- They cover AYUSH (Ayurveda, Yoga, Unani, Siddha, and Homeopathy) treatments.
Care Supreme Health Insurance
Care Health Insurance is also known as Religare Insurance.
- There is a variety of sum insured options available to suit different budgets.
- They offer unique health insurance plans that cover all sorts of medical expenses.
- Offers free health check-ups every year.
- The plan includes maternity coverage and also covers newborn babies, which is ideal for families planning to expand.
Wrapping Up
These days, health insurance is more than just an option. It has become a necessity. It safeguards you and your family from exorbitant medical expenses, providing financial security and peace of mind. When health insurance planning, consider factors like premiums, costs, network hospitals, and claim settlement ratio to make an informed decision.
With Niva Bupa, you invest in a partner who cares as much about your health as you do. They offer an extensive range of insurance products with affordable premiums. Niva Bupa is a well-established brand in the market, known for its high claim settlement ratio, customer-centric approach, and round-the-clock assistance.
So wait no more, and contact them today.
James Martin is a passionate writer and the founder of OnTimeMagazines & EastLifePro. He loves to write principally about technology trends. He loves to share his opinion on what’s happening in tech around the world.
