Buy Health Insurance Online | Herald of the Deccan

0

During the Covid pandemic, people realized that health insurance is a necessity to secure their lives both physically and financially. There are so many uncertainties now revolving around people’s lives.

People make sure their lives are secure with a comprehensive health insurance policy to meet their changing health care needs. The sharp increase in digital acceleration and adoption makes it easy for them to compare and buy.

While in the insurance industry, technology and digitalization have always been around, social distancing is now forcing customers to adapt to online shopping and service.

A common trend observed is that the online purchase of insurance products is increasing in subways and non-metros in India. People also take advantage of social media platforms to get feedback on other people’s products.

Now that digitization has made it easier for people to buy one-click health insurance policy, there are key factors such as requirements, age criteria to consider before purchasing health insurance policies. health insurance online.

Focus on your main requirements

Buy a health insurance policy that focuses and adapts to your needs at every stage of life. For example how much cover you need Rs 10 lakh or 1 Crore. Do you need coverage for yourself or the whole family? Or do you need a comprehensive health plan that can help you access quality health care in India and abroad? Once you are clear on your requirements, the policies can be easily sorted out based on them.

Age criteria

It is crucial to focus on this if you are considering purchasing a policy for yourself or a member of your family. The cost of the premium depends on the age of the policyholder. Choose the policy wisely taking this factor into account.

Ease of complaints process

When you decide to check health insurance policies online, you come across a number of them. You are exposed to a plethora of information regarding policies. The only thing you should consider is to check the settlement of the claim. A simple and smooth claims process is a godsend when it comes to settling your claims.

Waiting period clause

Not many people know about the waiting period clause. It is often found that policyholders look confused when they are finally informed of this clause after purchasing the policy. It is better to inquire about the waiting period clause.

The waiting period can range from 24 to 48 months. It depends on the insurers and the policy you have chosen.

Hospitalization without cash

A health insurance company has a certain list of hospitals present in India or abroad, known as network hospitals. These hospitals are where they offer cashless benefits i.e. when you get treatment in these hospitals you don’t have to pay the bills. In detail, in case of “cashless” treatment, your medical bills are paid directly by the insurance company at the hospital. Keep these things in mind and find out about network hospitals when purchasing health insurance online.

Limitations and exclusions

One health insurance policy cannot cover all aspects of medical emergencies. Many exclusions are not covered and you should carefully read this list when purchasing the policy online to understand what is excluded from coverage. You should choose a health insurance policy that covers your health needs.

Value added benefits

While you may not be able to choose a plan for the additional benefits, it is good to know if your plan includes loyalty bonus, bonus waiver, unlimited restore for unrelated illnesses, cumulative bonus, rewards for one. healthy lifestyle, among others.

Remember that a personal health insurance plan with a high insured amount will protect you and prevent you from financial stress. So, what if you are looking to purchase health insurance online and don’t know where to start? Be sure to consider the points mentioned above to better understand the policies and make an informed decision. Also do your research to make sure that you are getting the right health plan that suits your needs and is also within your budget.

(Online Marketing and Sales Manager, ManipalCigna Health Insurance)


Source link

Share.

Leave A Reply