The Different Ways To Purchase Health Insurance Online

Health insurance is a contract between the policyholder and the insurance provider wherein the latter agrees to cover the policyholder’s medical expenses. Based on the amount insured, policyholders with health insurance can benefit from coverage for hospitalisation, medical exams, ambulance costs, and much more.*

How can I purchase health insurance online?

Now, purchasing insurance online is easy. With an insurance aggregator, purchasing a reasonable medical insurance policy that satisfies all your needs is quick and easy.

Step 1: Add your personal information

Enter your Name, mobile number, email address, gender, city, and other pertinent information to see the insurance plans that meet your needs.

Step 2: Online plan comparison

Choose the health insurance plan that fits your needs and budget from all the available quotes.

Step 3: Finish the online transaction

To receive the policy document at your registered email address, select a payment method and pay the premium online through a secure payment gateway.

Health insurance plan’s key features

The essential components of medical health insurance plans are listed below. Before making an online shortlist, comparing these health insurance benefits with similar health insurance plans is advised.

Sub-simits on room rent

Some insurance companies offer sub-limits on the room rent feature. It indicates a cap on how much an insurance company must pay out in the event of a claim. This limit typically ranges from 1% to 2% of the insured amount for ICU costs. Nevertheless, several general insurance providers provide health insurance plans without a sub-limit on rent. It would help to pursue such plans with the above health insurance benefits.

Pre-existing conditions

Conditions that you already had before buying a medical insurance policy are referred to as pre-existing conditions. Because of this, insurance policies have waiting periods rather than providing coverage right away. There is no admissibility of claims during this waiting period. As a result, you ought to buy health insurance online with a short waiting period.

Co-payment

In a co-payment scenario, the insurance company and policyholder work together to split the cost if a claim is made. Both a percentage and an amount of co-payment are acceptable. So, to protect your savings, you must select a plan that doesn’t require a co-payment.##

You can look up this feature on a health insurance app.##

Network hospital

Network hospitals have agreements with health insurance providers so the insured can receive top-notch care without paying anything upfront. This feature includes the benefit of using cashless services. Suppose a policy does not have this benefit. In that case, you will be responsible for paying any hospital bills out of pocket before receiving a later reimbursement from the insurance provider.

Consequently, it is advised to research network hospitals’ data connected with the insurance provider in your area to receive prompt, top-notch care in an emergency. But once you study, you can easily pick cashless health insurance using a health insurance app on your smartphone. When you choose one, rest assured that you will be cared for, even if you don’t have ready money.

Get insured anytime, anywhere! Check out Bajaj Allianz General Insurance website to learn more and download the app now.

* Standard T&C Apply

## All savings are provided by the insurer per the IRDAI-approved insurance plan. Standard T&C apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.