Until a few years ago, people had to visit the branches of insurance companies or contact the agents of the company to buy health insurance plans. Along with this, you had to choose one of the few limited plans. People did not even have any specific information about health plans and people used to agree as told by the agents. But currently purchasing health plans has become much easier than before. This era of internet and digitization has changed the way to buy health insurance. Now we can buy insurance through a click in a few minutes. There are many benefits of buying a health insurance plan online. You can choose the best plan for yourself from the many plans available in the market. You can avail low premium rate with many types of discounts. You can compare different plans online. You can upload documents online by filling in the application form at home. Apart from this, it also has many characteristics. Through this article, we are going to give you information about why to buy health insurance plans online.
Let us try to understand with the help of an example how online health insurance plans can help you –
Sujit wants to buy a personal health insurance plan for his family at the age of 34. But all his time is spent traveling to and from the office and he is unable to go to the insurance agent to buy insurance. Then one day an associate of office suggested Sujit to buy health insurance policy online. Sujit came home from office and analyzed health insurance plans online, compared various schemes and selected a plan according to his convenience. She cleared all her doubts and contradictions by calling online customer support for more information about the plans. After this, he filled the online application and uploaded the necessary documents and bought the plan. He did not have to take time apart from purchasing the plan online and it was also cheaper.
Benefits of buying health insurance online
Low Premium – If you buy the plan through agents, they have their own commission and operational cost is also added to your premium. Apart from this, the fee for the paperwork done in it is also added. But buying online insurance gives you relief from all these charges and you can avail the plan at a lower premium. Online plans can be purchased at cheaper rates of 20% to 25% as compared to offline.
Online Management and Automated Servicing – When buying health insurance online you can track the plan, renew it, pay the premium online as well as add riders online. Apart from this, you can complain 24 * 7 at any time and remove your questions and doubts.
Ease of documentation – When buying a policy online, you do not need to show your documents to the authorities and agents. You can do documentation online. You can scan and upload related documents. You can also amend your documents online.
Purchase Facility You can easily buy online insurance through a click from home and also compare between different plans. You can get information about the premiums, facilities, maturity period, limits etc. of the schemes in a transparent manner.
Ease of buying appropriate insurance – If you buy offline insurance, the agent can sell you a policy paying higher commission even if it is unsuitable for you. By buying offline health insurance there is a possibility of such an event, but by purchasing insurance online, you can easily buy a suitable insurance plan.
Features of online health insurance schemes
- There are many options when you buy health insurance plan online.
- You can compare online plans and choose a better plan for yourself.
- You save time and you can buy the plan through an easy process.
- You can avail 24 * 7 customer service support for your doubts and complaints.
- You can save money by purchasing health insurance plans online.
- It has the advantage of high claim settlement ratio.
- There are clear and transparent terms and conditions.
- Additional riders are available at a minimum cost.
If you buy health insurance plan online, you get help and freedom in choosing a comprehensive and better plan. This allows you to choose the plan suitable for you. In addition, you can pay your premium using the net banking facility. Therefore you should buy insurance online.