Comparing and Finding the Best Health Insurance Policy According to Your Lifestyle & Why SBI Health Insurance Is a Perfect Fit

Health insurance safeguards policyholders against unanticipated health care expenses and emergencies. It also offers protection and support against ongoing medical bills. Hence, choosing a reliable health care provider like SBI health insurance is crucial because diseases and hospital expenses are unexpected and inevitable.

Additionally, such health insurance policies allow you to utilize modern health facilities mainly offered by private hospitals. But how do you ensure that you settle for the best health insurance policy?

Some Tips for Comparing Health Insurance Policies

Choosing between different health insurance plans can be challenging and daunting, especially if you are buying an insurance policy for the first time. Though insurance experts advise on knowing your options and different health insurance terms, there are other crucial tips that you should consider. They include;

1. Your doctor

Some health insurance covers require you to work with their preferred doctors while others allow you to continue seeing your personal doctor. Check whether your doctor works with the health insurance provider. However, if you must choose a new doctor, do a thorough research on their credentials and seek referrals from your current doctor.

2. The 4 factors influencing health insurance cost

There are some factors that determine the type insurance policy you take as well as your premium amount. The four factors include – the number of people in your family, age, your current location, and lifestyle habits, for e.g. past or current use of tobacco.

Tobacco users are classified as predisposed to different smoking-related diseases and therefore, are charged higher premiums.

3. Shop around

There are many attractive health insurance plans but only a few offer the benefits you may be seeking. Hence, it is advisable to shop around, compare premium charges, and the covered health benefits.

Go through customer reviews on public marketplaces and reliable sites like to research and compare what different health insurance providers offer.

4. Additional services

When comparing health insurance plans, consider any additional services that are covered. Additional services include; mental health care, nursing home care, home health care, drug and alcohol rehabilitation, experimental treatments, chiropractic care, counselling, and hospice among others.

You may not require the additional services but they offer peace of mind knowing that you are adequately covered.

5. Exclusions

Review each health plan’s exclusions list to determine what is not covered. Check if any condition you have or are at risk of developing in future falls under the exclusions.

SBI Health Insurance and Coverage

SBI health insurance is a non-life insurance company that is popular for providing good health insurance covers that cater for common and less popular health requirements. SBI health insurance  offers a wide range of customized health covers with the aim of helping people achieve better health through wider health care coverage.

Its unique selling points include; flexibility to determine the insured sum, different and flexible plans to choose from, add-on covers that enhance health policy coverage, no pre-policy medical check-up is required, cashless treatment options across different hospitals in the network, lifelong renewability option, and transparent, fair, and fast claims settlement processes.

SBI Health Insurance Company offers key benefits that vary based on the insurance plan you choose. They include;

– Maternity and new-born expenses cover that is subject to the terms applicable under your chosen policy.

– In-patient hospital expenses like ICU charges, medicine, nursing, and bed charges.

– Outpatient consultation and treatment charges are covered to a limit determined under different policies.

– Some critical illnesses are covered as additional coverage based on your chosen policy.

– Pre-hospitalization expenses incurred 60 days before hospitalization and post hospitalization expenses incurred up to 90 days after hospitalization.

– Up to 142 days of care after surgery and procedures.

– Daily hospital cash that is payable after hospitalization as a result of sickness or accidental body injuries.

Final Thought

With the rising cost of health care, health insurance is becoming paramount and mandatory. A medical emergency can easily render you bankrupt. Hence, the need to invest in a reliable health insurance plan that caters for your present and future needs. Above are a few tips and guidelines to help you make the right medical insurance choice by searching through websites like