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Chayan Das

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ZeroBizz • 15d

Ultimate Health Insurance Guide Don’t just buy any policy—buy smart! Here's your one-stop checklist to pick the right health insurance that truly protects you. Top Insurer Checklist ✔️ Claim Settlement Ratio > 97% ⏱️ Claims settled in <30 days 📉 Complaints < 20 per 10K claims 💰 Annual Business > ₹7500 Cr Must-Have Features 🏥 No room rent or co-pay limits 📅 60 days pre & 180 days post-hospital cover 💊 Consumables covered 🔁 Unlimited restoration 🎁 NCB min. 50% yearly 👶 Maternity, daycare & critical illness coverage ❌ No disease-wise capping 🛑 Terminal illness & premium waiver benefits Good-to-Have Extras 🩺 Free health checkups 🛌 Home & ambulance cover (up to ₹5L) 📱 E-consultations 🩸 Donor cover ≥ ₹5L 💥 Accidental death benefit 📈 Top-up options Before You Buy – Consider This: 💡 Minimum ₹10L SI for adults, ₹5L for kids 🧾 Read exclusions carefully 🏥 Pick trusted brands with big hospital networks ⬆️ Prefer super top-ups & PAN India coverage

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