The Role of Advisors in Choosing the Right Health Insurance Policy

Do you feel that buying a health insurance policy needs more thought and planning than buying groceries/ clothes online? Do you wish there was someone, other than friends and family, who could give proper advice on such an important issue? Yes, buying health insurance online is a matter of a few clicks these days, but wouldn’t it be nicer if you had someone who could answer your queries and clear your doubts? Someone who not only understands the industry jargon but can also explain them to you. Someone who helps you in your insurance journey. Well, if yes, then what you need is a professional advisor! 

The Role of Advisors in Choosing the Right Health Insurance Policy 

A health insurance policy is indeed a pillar of financial safety and security. It helps you deal with all the seen and unforeseen medical issues that may come your way. But, when it comes to buying a health plan, often complex policy terms can leave you more confused. This is where an insurance advisor can assist you.  

A health insurance advisor, sometimes also known as an insurance agent, can understand your needs and help you choose the right policy for yourself and/ or your family members. The right advisor will have enough experience and in-depth knowledge of the health insurance industry. They will be able to offer you the guidance you need. Sounds good, right?  

How Do Health Insurance Advisors Help? 

Contrary to popular belief, an insurance advisor helps you more than just when buying the policy. Let us understand how.    

Help you understand health insurance. 

On the face of it, buying a health insurance policy is a simple process. But when you are looking at comprehensive coverage, you need to understand and go through a lot of things. Your advisor makes it easier for you to understand the concepts and the coverage. There is a plethora of information available on the internet, and your advisor saves you from getting lost! He does the homework on your behalf.  

Understand your specific needs 

When you start your search for a health plan, it is obvious that you want to opt for the best one. But did you know there are over two dozen general insurance companies in India? All of them are IRDAI-approved and offer various comprehensive insurance plans. Your advisor can help you choose an insurer and a plan that is best suited to your needs.   

Bridge the gap between you and your insurer 

In the digital world, we transact throughout the day with people but without a face. There may seem to be a lack of personalised relationships, which can be difficult, especially for people who are not very comfortable being online. Here, an experienced advisor can act as a connecting bridge between your insurer and you. Any policy-related issues you may have can be settled through them. 

With you throughout the journey 

An advisor will be with you every step of the way. Narrowing down the well-suited policies, choosing the one, going through the policy details, buying the policy, making the premium payment, renewing the policy on time, and making a claim are a few responsibilities that your advisor can take for you.