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10 Cool Benefits Of Comparing Health Insurance Policy Online In India
The current pandemic has not only exposed our relatively weak healthcare system but also indicates the importance of having a health insurance plan. Having a health insurance plan with adequate coverage can ensure any such future hazards are taken care of.
You can compare health insurance policy in India online to view quotes from different insurers before buying a policy. Here are the 10 coolest benefits of doing so.
1. Quotes from Insurers
As you compare health insurance online, you do not have to pay a single penny to view the quotes from different insurers. You can check the premiums and the coverage multiple times without paying anything.
2. Your Availability
As you compare insurance brokers online, you can do so at your availability. Whether it is during a break between your calls or just after your evening stroll. You do not have to adhere to the office timings of an insurer for the same.
3. Save Time
As you compare health insurance online you stand to save a considerable amount of time as well. There aren’t a lot of forms that you need to fill or talk with insurance advisors regularly for the same. The websites require some basic information from you before giving the quotes.
4. Super Simple
Comparing policies online is extremely simple and can be carried out by anyone with a little bit of exposure to websites. You can either visit the website of an insurer or an insurance aggregator for the same.
5. Save Money
the efforts are rewarded in the form of lower premiums. The comparison helps you get the lowest quotes from insurers.
6. Adequate Coverage
Interactions with only one insurer might keep your knowledge of policy coverage to a minimum. As you compare health insurance, you can explore different coverages on offer and decide the adequate coverage for you and your loved ones.
7. Services on Offer
Insurers offer different benefits for their policyholders. For instance, some insurers offer free health check-ups, free look-in periods for their policies, complimentary ambulance cover for the policy, etc. As you compare health insurance, you get to know these services on offer.
8. Sheer Convenience
Picture this, you have to call several insurance advisors and visit their local branch to get details and quotes for your health insurance plan. However, as you compare insurance brokers online, you can do so with the click of a button.
9. Use Calculators
You can make use of online health insurance premium calculators to figure out how coverage and plans impact the policy premiums and make a more informed decision.
10. Choose Yourself
One of the biggest perks of comparing insurance brokers online and their policies is that you can choose without any influence. Nobody but you know the kind of coverage that would suffice in your budget.
Comparing health insurance policies does help you save a considerable amount of time and money, while also ensuring that you know a lot more about the policy.
Over to You
Care Health Supreme and HDFC ERGO Optima Restore are among the best health insurance policies in India today. It is a matter of your priority, coverage depth over cost effectiveness. Here’s a quick recap for you to make an informed decision.
Both offer coverage of up to ₹1 crore; Optima Restore starts at ₹3L, Care Supreme at ₹7L. Supreme offers unlimited recharge; Optima Restore offers 100% once a year, after a claim is made. Care includes OPD + unlimited e-consults; Optima lacks OPD, allows one consultation/year. Care gives a 30% discount + 500% bonus; Optima offers 8% discount + 50% bonus. Care Supreme is costlier but has more features. Optima suits budget buyers; Care fits those needing wider, long-term coverage.
Whichever health insurance plan you choose, ensure to read the policy wordings and seek advice from an expert before you make the purchase. The best health insurance is the one that covers you the way you want to be covered.
Speak to an Advisor Both offer coverage of up to ₹1 crore; Optima Restore starts at ₹3L, Care Supreme at ₹7L. Supreme offers unlimited recharge; Optima Restore offers 100% once a year, after a claim is made. Care includes OPD + unlimited e-consults; Optima lacks OPD, allows one consultation/year. Care gives a 30% discount + 500% bonus; Optima offers 8% discount + 50% bonus. Care Supreme is costlier but has more features. Optima suits budget buyers; Care fits those needing wider, long-term coverage.
Whichever health insurance plan you choose, ensure to read the policy wordings and seek advice from an expert before you make the purchase. The best health insurance is the one that covers you the way you want to be covered.
Author Bio
Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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