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Reader Pavan asks,
Can you put some information on various health insurance schemes and which one is relatively best?
To beging with, the idea for having an “independent health insurance cover” was conceived during a discussion I had with a close relative. This relative was also the one who told me about Star Health and Allied Insurance, an exclusive health insurance company.
I did research and speak to other health insurance providers, but here’s why I chose Star Health and Allied Insurance:
- Following my request to be contacted, a branch manager got in touch, came down to my residence, and spent a significant amount of time explaining various policies and options. Another health insurance company I spoke to mentioned that they do not have such options — everything’s online and faceless.
- The branch manager did not behave like a fanatic salesman desperately trying to meet his targets. He acted more like an adviser, giving us information and sharing his thoughts, but allowing us to make the decisions — and that’s how insurance should be sold. The other insurance company I spoke to wanted me to check everything online and use my credit card online then and there! I almost said, “WTF mate?”
- My mother is a senior citizen and she did not have an existing health insurance cover. Star Health offers a great policy tailored to senior citizens. This was a BIG factor in my decision. I didn’t like the policies offered by other health insurers.
- Star Health has a good network of hospitals, some of which are located quite close to my residence. But this is generally true of most health insurance providers.
All said and done, I chose Star Health and Allied Insurance for my independent health insurance policy needs simply because they were willing to interact and connect as humans.
Pavan, I hope this article proves useful to you.
Thanks for reading this article. I'd love to hear your opinion. Please use the comments section below to share your thoughts. I frequently write new articles that also cover several other aspects of personal finance including credit cards, financial goals, health insurance, income tax, life insurance, mutual funds, retirement planning, and much more. You can Subscribe through Email and receive new articles directly in your Inbox or you can Subscribe through the RSS Feed and receive new articles in your feed reader.