6 Things to Consider While Buying Health Insurance Online


Today, in times of medical inflation, it is getting harder and harder each day to afford quality healthcare. Medical emergencies strike you unannounced and can affect your finances drastically if you’re not prepared. Buying comprehensive health insurance online is the ideal way to secure your loved ones against life’s uncertainties.

Many insurance providers offer health insurance online at affordable premiums and a multitude of benefits. Buying health insurance online assures you that your medical expenses will be taken care of in times of crisis. The online purchase of health insurance is, without a doubt, a convenient option in comparison to the offline mode. You get to explore and compare options to make the best choice.

Read more to learn about health insurance online.

Image Source: Shutterstock

Select the Right Insurance Amount

Selecting the right amount of sum assured is of utmost importance as the last thing you want is being underinsured. At the time of a medical crisis, you expect your health insurance policy to cover your expenses effectively. Therefore, make sure to consider all pre-existing conditions or family history before investing in health insurance online. For instance, if you have a family history of a particular critical illness, add its additional coverage to your basic health insurance for optimal protection.

The right amount of sum assured will give you a sense of security as in times of crisis; you will not have to worry about the financial aspect.

Number of Dependants

While looking for health insurance online, remember to cover all your dependants. If you are a family man, it is always better to have a family floater plan instead of separate plans for full coverage. Family floater health insurance online is also a cost-effective way to cover your entire family as it costs less than buying separate policies for all. If you do not have any dependents, individual health insurance online is suitable for you.

Network Hospitals

Every insurance provider has network hospitals associated with them. While buying health insurance online, make sure to check the list of network hospitals as they offer cashless hospitalization through these network hospitals. You don’t need to make payments to the network hospitals as they will be directly settled with your insurer. Go for an insurer that has a high number of network hospitals under them.

Claim Process

Understand the claim process of the insurance company before applying for health insurance online—the simpler the process, the faster the claim settlement. Look for the claim settlement ratio of the insurer to know how efficient the provider is when it comes to settling claims. The claim process is a significant factor to consider.

Availability of Riders

While buying health insurance online, make sure to explore the rider options along with the policy. Additional riders such as critical illness rider, organ donor cover, etc. are essential for complete protection. You may add these riders if necessary, in return for an extra premium amount.

Insurer’s Reputation

Health insurance online provides you with various options, which makes it harder to choose the best one. Online reviews are of great help while buying health insurance online. You can also enquire about the insurer’s efficiency from its current customers to make a prudent decision. Buying health insurance is a crucial decision in everyone’s financial portfolio. So, make the right choice after thorough research!

Reputable insurers like TATA AIG offer comprehensive health insurance online. They include essential coverages like consumables benefit, daycare procedures, in-patient treatment, accidental death benefit, vaccination cover, pre and post hospitalization benefits, and more.

Online mode is the best way to purchase an insurance policy as it is a paperless and hassle-free procedure. You can also make safe premium payments online as per your convenience, saving a lot of time and effort.

So, buy smartly and protect your loved ones from financial troubles due to medical emergencies.

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