Health plan acts as a buffer
for a person to safeguard him against huge financial costs which may occur during
future health emergencies.
However, many people still
ignore the importance of getting health insurance. What most people don’t
understand is the fact that purchase of health plan requires one to have
long-term projection. Therefore, one should conduct proper kind of research
strategy to be able to arrive on an appropriate plan.
Getting
the right health insurance-
Health
insurance protects a person from various medical uncertainties
which may lead to high medical and treatment costs. However, it can ambiguous and
difficult to evaluate from the pool of insurance companies and get the best
one.
Therefore, to avoid visiting
the doors of several insurers, one can easily evaluate several insurance
companies online. All you need to do is browse through the company websites and
evaluate their individual offerings. This would give you an understanding about
the bucket of offerings an insurer provides. For instance, a particular insurer
would provide health insurance at lower rate than corresponding insurer for the
same bucket of offerings. You see? You can easily notice such things which
determine the lucrative aspect of a health insurance plan online.
Ease
of buying health insurance online-
Chasing all the insurance companies
on road to figure out the most suitable one is a challenging task. Also it
gives you limited number of options to choose from. However, when you choose
the online way, you can browse through all the leading insurers in India at
ease. In this way, you will be able to compare from an array of insurance
quotes and select the most appropriate health
insurance.
Note- Look
for the option named “Request for Quote”. You will be able to spot this on most
websites of leading health companies. Hence, you’re just one click away from
the best health plan you can get!
Below
are certain things to remember while getting quote online-
·
You must be clear about the type of insurance
plan you require
·
There are two options available before a
person regarding health insurance in India. They are-
1)
Individual
health plan- covers the individual against health
emergencies
2)
Family
floater- covers the entire family against health emergencies
·
One needs to mention the correct age groups
of all family members
·
One needs to mention the sum insured amount expected
·
List down the correct contact details
Cashless facilities of health insurance-
A person can avail comprehensive
treatment from empanelled group of hospitals as mentioned by the particular insurance
company, all this without paying anything. It’s because your insurance company
will be liable to settle your claims with the concerned hospital.
Reimbursement-
One gets a reimbursement
facility when one avails treatment within a non-network hospital. When one
submits the original bills & other specific documents within stipulated
timeframe, he can get a reimbursement from the insurance company.