Health insurance has become a need for every person in India all thanks to growing medical inflation. In this article, we will throw light on how to go about buying a health insurance and claiming process.
Gone are the days when we had to fix an appointment with the agent and spent hours in buying health insurance and understanding its claim process. Today thanks to the internet revolution and smartphones, buying of health insurance can be done on your fingertips. Surprised! Today all the major insurance players, be it government or private companies have a presence online. With growing awareness more and more people are using online channel with great convenience as it also offers discounts on policies when purchased online.
How to buy Health Insurance Online
While the process of buying health insurance might vary from company to company, it usually involves the following steps:
First, log on to the company website or insurance aggregator website and click on the health insurance category on the website
You will be asked to fill the following details
Age
Annual Income
The number of family members for whom you are seeking insurance coverage for e.g. you and your parents or your wife and kids and so on.
You will be asked to declare any pre-existing illness or diseases if any.
Once you have filled all this information, you will get results showing a list of health insurance options that are best suited to your requirements.
If you are on an aggregator website, you will see plans from different companies offering health insurance for your requirements. When you select a plan it will take you to the particular company website where you can find out other aspects of the company like claim settlement process and ratio etc.
Select the health insurance plan which you believe is most suitable for you and your family.
You can make the payment online on the website itself using a debit card, credit card or net banking.
How to buy Health Insurance Offline
Although online plans are gaining popularity for its convenience and lots of benefits and cost-effectiveness, insurance companies still have kept the option open for customers to purchase health insurance offline. All you need to do is go to the insurance company branch, select a plan, fill the paper work, submit required documents and do the payment at the branch
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