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Get <strong>₹5 Lac</strong> Health Insurance starts <strong>@ ₹300/<span>month*</span></strong>
Get ₹5 Lac Health Insurance starts @ ₹300/month*
Get ₹5 Lac Health Insurance starts @ ₹300/month*
250+ Plans 18 Insurance Companies
₹ 5 Lakh Coverage @ ₹ 10/day
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Why is it Necessary to Compare Health Insurance Plans Online?

By taking health insurance, an insured gets into a contract with the insurance provider to get financial support at the time of medical emergencies. It can be done by paying the medical bills, lab test bills, pharmacy bills, and others in cashless mode or by reimbursing the cost incurred on the treatment of the insured or the family member covered in the policy. Medical Insurance is a must for everyone to safeguard against the uncertainty of life as the medical expenses have soared, and getting the treatment done without Insurance can be heavy on pocket. Sometimes one has to shell out total savings to save the life of a person. At such a time, health insurance comes as a saviour because, without money, one can be denied medical treatment. 

However, getting the right health insurance policy is all what maters here. Without an adequate policy, you can’t be ensured with a sufficient coverage. Nevertheless, the existence of multiple policies has make it quite difficult for one to choose the policy that benefits more.

Well, online health insurance comparison is the solution here!

Why Do You Need Online Health Insurance Comparison?

Online comparison is the only way to get the right health cover. It ensures the policy seekers get the sufficient policy coverage as per their requirement. There are online aggregator websites that help one to compare health insurance plans. Some of the benefits of online comparison are mentioned below:

  • Saves Time: Online comparison helps the person to save time from visiting the insurer office, meeting the agents. Through online comparison, one can buy the policy by visiting the insurer’s website only.
  • Ensure Reliable Information: There will be no misleading of information, as it provides reliable information regarding a plan or the insurer.
  • Convenient of Buy: After comparing if one finds the plan of his/her choice, it can be bought easily on online platform of the insurer or the aggregator. Hence, it makes the buying process more convenient.
  • Helps in Availing Policy at Economical Rate: Online comparison also helps in comparing the policies at their premium rate. This way one can opt for the most affordable one remaining stick to his/her budget. 

Benefits of Health Insurance Plan

A health insurance policy should come as a saviour at the time of emergencies. There are several benefits and features which a policy should have to make it useful. While buying new health insurance, one should always check these features and ensure that these should be included in their plan.

  • Cashless Treatment: To get away with the hassle of paying even a single penny while being admitted to a hospital, choose cashless treatment plans which cover all sorts of bills like admissions, lab reports, food and room charges, pharmacy bills and others. One can just get admitted to the hospital and share the policy details with the relevant department. Please ensure that the insurer provides cashless treatment to its customers.
  • Pre and Post Hospitalization Charges: Medical bills start from the moment a diagnosis is done and will follow till post hospitalisation expenses. Proper health insurance should cover both pre and post expenses like appointments, lab tests, physiotherapy appointments, regular updates, ambulance charges, and others. With these things included in the plan, one can have a robust policy to counter any medical condition.
  • No Claim Bonus: It is a discount or waiver on the premium amount which an insured pays every year to keep up the policy active. The bonus is available only if there are no claims filed in the preceding year. A health insurance service provider should ensure no claim bonus for their customers.
  • Out-Patient Department Expenses: A person pays around 10,000- 15,000 every year as OPD charges and policy with OPD benefits costs much less. Most of the polices cover OPD expenses if the insured is hospitalized for 24 hours or more. One can look out for insurers, which covers non-hospitalization expenses as well.

You Should Always Aware of the Exclusion List!

There are certain things that are not covered by health insurance, and one should always check before filing a claim for such health issues.

  • Pre-existing conditions
  • AYUSH- Alternate Therapies
  • Expenses incurred in dental, vision and hearing
  • Injuries caused by wars, riots, self-harm, and congenital diseases
  • Injuries due to dangerous sports
  • Injuries due to military operations
  • Cosmetic treatments
  • Lifestyle-related to diseases
  • Injuries sustained while trying to commit suicide
  • Infectious diseases like HIV

FAQs

Written By: Paisawiki - Updated: 03 November 2020

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