How to buy health insurance online?

Posted by SANA Insure on January 21st, 2021

Rising medical costs and the unpredictable nature of life (proven further by the ongoing pandemic) has made buying health insurance a necessity and not a luxury anymore. Indian health insurance industry has undergone a huge transformation over the past couple of decades. The governance guidelines issued by IRDAI along with capital infusion by companies, technological advancement, changing consumer buying dynamics, innumerable products portfolio; all these factors have helped make authentic information available at your fingertips. On the flip side, being presented with excess and subjective information can cause too much clutter in the buyers' minds, and it makes finalizing your choice of both service provider and product that much more confusing.

Tips to buying health insurance online:

1) Finalize your expectations and requirements. Take stock of your budget (how much premium can you afford per annum, what are your current costs, whether for general or prescribed medical needs), healthcare requirements (whether preventive or attentive), the amount and span of coverage you (individual health policy) or your family (family floater plan, maternity health policy, children's plan or for elderly members, for e.g.) might require (this would depend upon existing health condition and perceived medical requirements per year)

2) Research to find the best online insurance portal that will offer multiple choices of various insurance companies and their respective products, and comprehensive yet easy-to-grasp comparison. This is more convenient rather than accessing individual insurance provider's websites.

3) Always ask questions on terms and conditions, fine print/disclaimer - for e.g. pre-existing conditions, waiting period, and specifically what illnesses or conditions are NOT covered

4) Ask about the claims process and assistance you will get, should you have to file a claim for hospitalization

5) Check the website's authenticity: IRDAI certificate, information security protocol, payment gateway

6) Follow site instructions to fill in requisite details (usually gender, sum assured, pin code, type of policy) to view a list of products and related features

We invite you to visit our health insurance portal, sana.insure for quick, unbiased, simple, and easy access to comparative information on various health policies available in India, suited to your needs. Our Sana Expert can help guide you along the way in choosing the right plan.

Wish you a healthy and happy life!