Health is the most valuable wealth one can ever gain throughout his or her entire lifetime. But unfortunately this supreme and precious wealth of ours is not valued until or unless sickness comes. You should not ignore the importance of a sound health. Since health related complications don’t come with any prior notice, you must ensure you are covered with the best health insurance policy. A number of health insurance companies are there in our country to offer plethora of health insurance plans online. Buying health insurance has become easy but the importance is still not given as much as it deserves. And also, buying health insurance policy doesn’t mean you are always protected under all circumstances. So what you need to focus on is that you are protected with the best mediclaim plan that covers everything that you are looking for. Here are a number of thing you must pay attention to before purchasing health insurance online in India.
- Network Hospital: This thing must be checked very firstly when you pick a particular health insurance plan from a certain health insurance company. Is your favorite hospital is under the network of your health insurance provider? Does your insurer offer huge network of cashless hospitals? These are the questions you must ask before buying health insurance online.
- Claim Process: The reason of buying health insurance is to avail financial support in the state of urgency when you are hospitalized. So, does you health insurance company provides a swift and transparent claim process? Does your health insurance provider offer the necessary support that you could possibly require when you file health insurance claim? These are some of the questions you must ask in terms of claims process. Only go for health insurers that have a good claim settlement ratio.
- Compare Health Plans Online: You must not minimize the significance of comparing health insurance policies online in terms of buying one. Because when you compare various health insurance plans on offer from different insurers online by using an online insurance comparison and distribution portal like GIBL.IN, you can be sure of availing the best health insurance plan with extensive coverage at a considerably lower premium.
- Choose the Right Insurance Amount: You must not spend too much and likewise, you would not like to choose a little premium amount that gets you lower Sum Insured which will be the overall coverage amount that would be paid to you in terms of hospitalization expenses and other. So always choose the premium amount smartly that you don’t ignore later for not choosing a higher Sum Insured amount. Choose a premium under which all of your health requirements are covered.
- Lifetime Renewal: Do make sure that the health insurance plan you are buying comes with the lifetime renewal option. It will certainly serve as a substantial benefit in your later life. Lifetime renewal makes sure you are covered throughout your entire life given that you renew your health policy on the right time online.
Above were the most important factors that you must pay special attention to when you purchase health insurance online. Apart from them, you must also consider Cumulative Bonus, Free Health Checkup, Family Coverage, Maternity Benefits and, Pre & Post Hospitalization etc.