How to Compare Health Insurance Online?

How to Compare Health Insurance Online?

Online insurance portals such as Policy Bazaar has made the whole online comparison a pretty easy affair. All you have to do is fill in your details and start getting and comparing quotes instantly. Online comparison not only saves your time and money but also gives you amazing benefits.

Online Health Insurance comparison benefits :

No meddling with papers anymore
No more visiting insurance offices
No need to meet with insurance agents
No pressure from agents
No more waiting for quotes
Plus, you get more choices than ever
Comparing best health insurance plans online is simple and easy. Start with putting in your details on the comparison engine such as marital status, age, occupation, annual income and whether your employer provides you a coverage or not. The engine will come up with a list of insurers with the respective plans matching your criteria.

The plans can be compared and evaluated on the basis of parameters such as entry and exit age, sum insured and premium. The list will also show whether or not medical tests are required for availing a specific plan and whether the plan is available online or not. The engine also lets you to filter the results according to the sum insured; so you can view at once, all the available plans offering the same sum insured.

You might shortlist 2-4 appropriate plans that meet your specific medical insurance needs. The engine provides for a neat comparison between these shortlisted 2-4 insurance plans you’ve zeroed in. The selective comparison covers more detailed attributes relevant to the inclusions and exclusions of the plan. While making a comparison, you should look out for the following variables:

Hospitalisation
Domiciliary hospitalisation
Pre and post hospitalisation
Daily hospitalisation allowance
Day care treatment
Critical illness
Pre-existing diseases coverage
Ambulance service
Health check up
Organ donor expenses
These variables will help you to understand the product before you buy it. Once you know what your subjective priorities are, it’s not tough to make a choice. Once you settle for a plan, you’ll be taken forward to a page where you can add riders, benefits and top up covers on the chosen plan. It is always advisable to prefer a comprehensive health plan equipped with valuable add-ons such as daily cash benefits, personal accident cover and critical illness cover. Once you are done making a choice, you are redirected to the insurer’s website to make the payment for the chosen plan.

At any moment, while you compare health insurance plans online, if you get confused or stuck anywhere, no matter how trivial it is, you can ask the experts to help you out. All it takes is requesting a call back to the insurance experts who are more than happy to give you an insight into a health plan that meets your specific needs and priorities. Alternatively, you can go back and start the comparison afresh.

Making an online comparison gets you the best quotes from the leading health insurers in just 2 minutes. The alternatives you get online, helps you to make a well informed choice and get away with the right insurance product.

Source:policybazaar