All you need to do is follow the simple steps given below and you can own the policy within a few minutes. InsuranceDekho offers a quick, transparent, and paperless process to buy health insurance. How To Buy A Suitable Health Insurance Policy Online in India With InsuranceDekho Thus, it is imperative that you buy a health insurance plan from an insurance company that has a strong digital presence so that it is easier for you to purchase the plan from the comfort of your home. All of this may be done easily through the insurer’s official website or an insurance aggregator. Digital PresenceĪs most insurance-related work now takes place online, you no longer need to visit an insurer's office, chase down insurance agents, pay any brokerage fees, or do any paperwork to get health insurance. It makes it easy for you to face several doubts related to health insurance coverage when the insurer is helpful and easily approachable. Not only call, but you should also be able to reach out to them via email, chat, etc. They must have a helpline number where you can call and get your grievances addressed. So, you must choose an insurer who is available 24*7. Customer SupportĪ good insurance company has a great customer support team. So, when choosing an insurance company, go with the one that has consistently won several awards and accolades that makes them the best in the business. The greater the number of awards and recognitions, the more respectable the company is. The website of all insurance companies has a dedicated section where you can find a complete list of awards and accolades. You can also do some research in order to choose the best insurance company. Also, consider the star ratings of the insurance companies which again you can find on InsuranceDekho’s website. For this, you can read customer reviews of different insurance companies at InsuranceDekho and go for the company that has positive feedback. Knowing reviews from existing policyholders about a health insurance company helps you make an informed decision. As a result, it is recommended that you choose an insurance company with a smooth claim settlement process in order to save on time and effort. It is very important that you select an insurance company that offers a smooth claim settlement process since no one wants to deal with time-consuming, complicated operations in the middle of an emergency. Business volume can be considered as a parameter to judge health insurance companies where higher volume means greater trust among the customers. An insurance company with more policies sold has a higher market share and, as a result, can be trusted by the people. The total number of policies sold and premiums collected by an insurance company is referred to as business volume. Make sure to choose a health insurance company that offers 24*7 customer service so that you can get immediate help whenever you want. Customer Support ServiceĪnother important thing to keep in mind is to check on the customer service offered by the health insurance company. The higher the claim settlement ratio, the better it is. The claim settlement ratio of a health insurance company determines the number of claims settled by the insurance company out of the total number of claims received in one financial year. The wider the network, the better it is so that you can initiate a cashless claim at a nearby hospital. When selecting a health insurance company, it is imperative to check the strength of the cashless network hospital the company is offering. Cashless Network HospitalĮvery health insurance company has a number of hospitals with which it has a tie up to provide cashless claim solutions. So, always buy a plan from the insurance company that offers a plan matching your requirements. While some insurance companies only offer individual health insurance and family health insurance, others offer plans targeted to certain groups such as women, children, and senior citizens. Listed below are some of the common factors that you must consider while buying health insurance plans in India : 1. For example, some people may prefer one insurance company over another because of its large network of partner hospitals that provide cashless claim services, while others may value the quality of services provided or the availability of customer service. The definition of the best health insurance company varies from individual to individual depending on their requirements and health goals. Every health insurance company is distinct from each other in its own way and it is tough to find a health insurance company that can suit everyone’s needs.
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