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Online Platforms vs Agents: Simplifying Health Insurance Purchases
The last few years have taught us many important lessons. Having adequate health insurance for yourself and your family is one of them! Seeing his parents have a tough time during COVID, 25-year-old Aneesh had made up his mind. He had decided that when he got his first paycheque, buying a health plan was one of the first things he would do. However, when the time to buy health insutrance came, Aneesh was a little confused! Whether he should buy health insurance through an online platform or an agent was difficult for him.
While most of us, like Aneesh, understand the importance of health insurance, the question of an online platform vs an agent can be a tricky one. But worry not. We’ve got you covered! Here are a few insights that can simplify things when you plan to buy health insurance.
Online Platforms vs Agents: Simplifying Health Insurance Purchases:
From grocery to gold, just about everything today can be purchased online. Thanks to digital transformations, online purchases are simple, easy and convenient. Purchasing a health insurance policy is also quite straightforward and saves you from doing all the research on your own. All you need to do is enter the required details and in an instant, you will be shown the best-suited options. Then, you can take your time to go through the different plans and make the best decision.
But can the decision really be the best? This indecisiveness puzzles most health insurance seekers, especially those who are not as comfortable with purchasing such an important thing online. What most not-so-tech-savvy people want is a more personalised experience. That is why they want a dedicated person, in this case, a health insurance agent, who can answer all their queries. From choosing the right plan to paying the premium, from finding the closest network hospital to renewing the policy, your health insurance agent can surely assure you of being physically present!
So, what is better, buying health insurance online or offline? Let’s take a closer look.
Buying Health Insurance through an Agent
Yes, if you have a reliable health insurance agent, they can surely make the process of buying health insurance rather easy. Apart from assurance, the presence of a real person can make things more personal.
However, sometimes, finding a licensed agent who has an impressive track record, knows your needs, and is considerate of them can be difficult. You need someone who is not too commission-driven and gives you credible advice. If you do find someone like this, the question ‘what happens in their absence’ can often hover over you!
Buying Health Insurance through an Online Platform
Other than convenience, one of the biggest advantages of buying health insurance online is the plethora of options that you get. Most online platforms give you quotes based on your requirements, making it very easy to narrow down your choices. Without an agent breathing down your neck and without the guilt of dropping a suggested policy, you can take your time to decide what you want. For people who need more help and clarification can easily get in touch with company customer care platforms or AI chatbots to get answers to all their queries.
Online policies are often much cheaper as the company overheads are reduced. When you buy through an agent, the added cost of commission can be a matter of concern.
PayBima Comes to Your Rescue
At PayBima, we understand the concerns of all our customers. Because we deal with a wide range of customers, we know that buying a policy online can be challenging for some. Thus, at PayBima, we lay our foundation on four pillars: access, service, choice, and advisory. Our easy-to-use platform is extremely safe, as we understand it is a major concern.
We have a workforce of 700 people. Our certified advisors and executives work closely with all our customers, offering assistance at every step of the way. Our knowledge centre contains exhaustive information sources that help you understand every option in detail. We strive to offer you the best possible deals that suit your health insurance needs.
Young and healthy? Find out which of these plans rewards you with lower premiums. Click here to check now!
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 21 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.
Over to You
Health emergencies don’t come with a calendar invite. Whether you're planning for your own future or looking out for your parents, choosing the right health insurance plan can make all the difference. That’s where a deeper look at the fine print helps. When you compare Star Health’s Red Carpet Plan vs Care Health Enhance Plan, what you’re really doing is choosing the kind of financial backup you want in your corner.
The Star Health Red Carpet Plan is made with senior citizens in mind. With benefits like annual preventive check-ups, it helps you or your ageing parents get covered without the usual hassles. On the other hand, the Care Health Enhance Plan acts as a top-up cover, ideal if you already have a base health policy and want to increase your shield without increasing your premium by too much.
While health insurance takes care of medical needs, don’t forget to plan for life’s bigger what-ifs. A term Insurance policy, especially a 1 crore term insurance plan, can be the long-term security net your family needs. Health and life coverage go hand in hand. And when chosen right, they help you face the future with confidence, not chaos.
Speak to an Advisor The Star Health Red Carpet Plan is made with senior citizens in mind. With benefits like annual preventive check-ups, it helps you or your ageing parents get covered without the usual hassles. On the other hand, the Care Health Enhance Plan acts as a top-up cover, ideal if you already have a base health policy and want to increase your shield without increasing your premium by too much.
While health insurance takes care of medical needs, don’t forget to plan for life’s bigger what-ifs. A term Insurance policy, especially a 1 crore term insurance plan, can be the long-term security net your family needs. Health and life coverage go hand in hand. And when chosen right, they help you face the future with confidence, not chaos.
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