All Major health insurance companies like Aditya Birla Health Insurance, Reliance General Insurance, Star Health Insurance etc provide such policies.
Just buying health insurance is not enough, you need to buy the ideal health insurance policy specific to your needs and requirements.
Let’s have a look at some of the most pertinent questions a potential policyholder can ask their insurance agent before buying a health insurance plan.

Top 4 important things to consider before buying a health plan

Does your health insurance company have a good claim settlement ratio?
A good claim settlement ratio for an insurance company is like a good credit score for a person. The higher the claim settlement ratio the better it is for the policyholder. A high claim settlement ratio percentage is indicative that the insurance company settles most of the claims made by its customers.
You want to purchase an insurance policy from a company that ideally has a claim settlement ratio over 85%.

Does your insurance policy provide lifetime renewals?
Your insurance policy should offer lifetime renewals (upon paying regular policy premium). That basically means that your health insurance policy should not mature until and unless you stop paying your regular premiums. Your policy should still be in force even after you make multiple insurance claims.

Does your insurance policy provide cashless treatment?
Cashless treatment is a boon in today’s time and age, and could be very useful to a policyholder. A cashless service basically means that the insurance company will directly settle the bill with the networked hospital. The policyholder does not need to get involved in the billing affairs. This ensures that the policyholder is not embroiled in any reimbursement related situation with the insurance company

What are the inclusions and exclusions under your insurance policy?
This is the most important aspect that a potential policyholder should focus on. A customer needs to extensively ask about the inclusions and exclusions within the policy to their agent. Inclusions are basically the events that the insurance company will provide coverage against. Exclusions are the events that the insurance company will not provide coverage against. For instance, a policy may exclude coverage of mental illnesses. If the policyholder suffers a mental disorder, the insurance company will reject the claim on the basis of exclusions.
That is what a potential customer should pay extra attention to the inclusions and exclusions of an insurance policy.
They should map the policy to their current physical and mental health and buy a policy accordingly.