Compare Top Health Insurance Policies

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Compare Health Insurance

A health emergency is something that can happen at any time. With this hectic and stressful lifestyle, it is very possible to get affected by various diseases. In such times, if there is not enough financial security, then it will increase your problems significantly.

To avoid the double blow of financial and emotional trauma during a medical emergency, it is highly recommended to buy a suitable health insurance plan to be financially protected during a medical emergency.

Finding the best health insurance plan can be very difficult for anyone as various health insurance companies in India offer various health insurance plans. It is important to compare health insurance plans to find the best health plan as per your needs. With the advancement in technology, you can compare medical insurance plans in just a few clicks.

Continue reading to know more about the importance of comparing health insurance in India before buying it:

Why Compare Health Insurance Plans Online?

Health insurance companies are launching new health plans every day and a lot of health risks are also increasing in the country. With a wide range of health insurance plans in India, finding the best health insurance policy for your need can be quite confusing. So, it is recommended to compare the health insurance plans online before buying health insurance plans as it saves effort, time, and money.

  • Get Premium Quotes

    You can get free health insurance premium quotes for any health insurance policy.

  • Comparison

    You can compare various health insurance plans at a time by simply entering a few details such as name, date of birth, gender, etc.

  • Convenient

    You can get free health premium quotes as per your convenience. For instance: you can compare and buy a health insurance policy from your home, and even on weekends.

  • Free of Cost

    You can compare different health insurance plans at a time and it is a free service that you can use as many times as you want.

Benefits of Comparing Health Insurance Plans

There are various benefits of comparing health insurance plans. You will be able to buy an affordable health plan, that meets all your healthcare needs, etc. Below mentioned are some of the other benefits of comparing health insurance plans online in India:

  • Buying Best Health Plan

    Comparing health insurance plans helps you find the best health plan that meets all your health care needs and is also budget-friendly.

  • Easy Access to Multiple Health Plans

    You can use a health insurance comparison tool to compare the features and benefits of different health plans at the same time. It allows you to check the difference between different health insurance plans.

  • Simple and Quick

    The health insurance plans comparing tool is quite simple and effortless and you can also compare different health insurance plans in just a few clicks.

  • Apply Filter

    You will be able to filter the health insurance plans as per your healthcare needs. You can filter out plans that don't suit your needs.

  • Value for Money

    When you compare health insurance plans before purchasing one, you can find comprehensive coverage that balances your spending and policy offerings, providing you value for money.

Key Factors to Keep in Mind While Comparing Health Insurance Plans

Health insurance comparison in India is not a difficult task. There are a few factors you need to consider while comparing different health insurance plans in India. These factors include:


Premium and the Coverage Offered

It is important to check both coverage benefits and the health insurance premium amount together and then compare the health policies. An ideal health insurance plan should have comprehensive coverage with an affordable premium. It would be best if you go through all the features before buying a health policy for you and your family.


Add-On Covers

Health insurance companies offer various additional riders also known as add-on riders to enhance the basic coverage benefits of health insurance plans at an additional premium amount. Hence, check with the health insurance company to find out which health policy offers you an add-on rider that you want.


Claim Settlement Ratio

Another thing you can compare is the Claim Settlement Ratio (CSR) of different health insurance companies. The higher the claim settlement of a health insurance company, the better the chances of your claim being settled.



Many health insurance companies offer various discounts on the purchase of a health policy. Therefore, you should choose the health insurance companies that offer you the maximum discount on your desired health insurance plan.


List of Network Hospitals

While comparing health insurance plans, you should also check whether the insurer has a network hospital near your home or office. This will help you to a great extent when a medical emergency is required.

Thus, these are the simple factors that you need to consider while comparing multiple policies.


Health Insurance Provider

Choose a reputed health insurance company accredited by the Insurance Regulatory and Development Authority of India (IRDAI). When comparing health insurance providers, you can also compare their solvency ratios.


Type of Health Insurance Plan

Depending on your personal and family health needs and requirements, you can compare health insurance plans from various categories, including individual, family floater, senior citizen, super top-up plans, critical illness, etc. Critically consider the benefits and features covered while you compare health insurance.


Waiting Period Clause

Each health insurance company offers a different waiting period, which can last from certain months to years, depending on the health coverage you are seeking. While you compare health insurance plans, consider the waiting period for different diseases and illnesses covered.


Specific Coverage

When you compare health insurance plans, look at the additional benefits offered. These may include consumable benefits, pre- and post-hospitalization benefits, free health check-ups, daycare procedures, room rent capping, domiciliary benefits, no-claim bonuses, etc.


Inclusions and Exclusions

It is important to review the list of inclusions and exclusions while you compare health insurance plans to avoid any inconveniences when claiming benefits in the future.


Life-Long Renewability

Health insurance plans generally require renewal every year. While you compare health insurance plans, choose the one with the option of lifetime renewability, as it is beneficial in the long run. As it has no age bar, you continue to receive health insurance benefits for life.

Key Factors While Comparing Health Insurance Plans

Why Compare Health Insurance with RenewBuy?

RenewBuy's comprehensive list of health insurance allows you to find health premium quotes for various health plans from leading health insurance companies in the country. All you have to do is compare different health insurance plans and choose the right health plan based on your research and your specific coverage requirement. You can compare the various features and benefits offered under a health insurance plan side by side.

Online vs Offline Health Insurance Comparison

Online Comparison of Health Insurance Offline Comparison of Health Insurance
Quick and Time Saving Slow Process
Completely Free of Cost Miscellaneous charges such as transportation cost
Completely Unbiased Health Insurance companies might be biased towards their product
Offers high flexibility Flexibility is low
Access to check customer Feedback Do not have access to check customer feedback
No paperwork involved A lot of paperwork involved

How to Compare Health Insurance?

There are many health insurance companies in India offering various health insurance plans. If you wish to compare health insurance plans, you can do so from the comfort of your home or office, without spending much time. If you are wondering how to compare health insurance policies, here is a simple way:

  • Visit the official website of RenewBuy (
  • Go to the RenewBuy “Health Insurance Premium Calculator” page
  • Fill in the details in the form provided to you
  • The details that you need to provide include gender, age, and contact number
  • Select if you want an individual or a family floater plan
  • Select the number of members that you want to include in the plan
  • Choose the amount of sum insured
  • Add the pin code of the city that you belong to
  • Click on ‘Instant Quote’ to view the quotes of different health insurance policies
  • You can also customize the quotes according to riders, plan benefits, and pre-existing diseases
  • Compare the different health policies available in the list
  • Once you choose your desired health policy, you can buy the health insurance plan after filling in your details and paying the premium online

You can easily choose a health insurance policy with this comparison tool and compare it with other health insurance plans to check premiums, features, and benefits. With this powerful tool, you can compare health insurance premium quotes and make an informed decision on choosing the right health insurance company and best health insurance plan to protect your loved ones.