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Don't Make These Mistakes When Buying Health Insurance Online

Published On Sep 02, 2021, Updated On Sep 06, 2021

Buying a health insurance policy can become really tedious sometimes as a lot of different procedures are involved at different stages of investing in a health insurance plan. With the advancements in technology, you can buy, compare, and renew a health insurance policy cover quickly and without much effort. Despite the fact that the whole online procedure of buying a health insurance policy is simple, being human, customers often tend to commit some common mistakes which can cause them inconvenience at the time of claim settlement process.

To avoid the commonly committed mistakes, you must follow certain measures and make sure that you go through the policy related documents carefully, as it contains all the necessary details about the policy. You can compare a lot of plans online over the internet and choose the one that is suitable for you and your loved ones at an affordable price. The main purpose of the health insurance policy is to provide financial aid to the customers and ensure them quality treatment at the private hospitals.

Don't Make These Mistakes When Buying Health Insurance Online

Common Mistakes To Avoid When Buying A Health Insurance Plan Online

Following are some of the commonly committed mistakes which must be avoided by the customers when investing in a health insurance policy online over the internet:

  • Choosing Cover With Less Coverage

You must not buy a policy that offers less coverage for the sake of saving some pennies. Before buying a policy it is important to analyze your requirements and then accordingly look for plans with sufficient coverage. When buying a family floater plan, you must make sure that the coverage is enough for all the members insured under the cover.

Must Read: How To Make Health Insurance Premium Payment Online?

  • Delaying Purchase of The Plan

A health insurance policy should be bought as early as possible to get over the waiting period of the policy cover. The premium of a policy bought for senior citizens costs more than a regular health insurance plan bought for the adults. You must get a policy cover for yourself and your loved ones as soon as you start earning.

  • Buying A Plan With A Shorter Policy Term

To save some amount of money people often buy health insurance policies with shorter policy periods. After the expiry of these plans, you have to buy a new health insurance plan which will cost you more than your previous plan due to the increase in your age. It is better to get a policy cover with a long policy term.

  • Not Providing Correct Information To The Insurer

When buying a health insurance plan, you must provide correct information as the insurer can charge you against fraud and no financial protection will be offered to you and your family members due to the inaccurate information. You must also inform the insurer about your pre-existing ailments, to claim the benefits of the policy for the treatment of that ailment.

  • Buying A Policy Without Reading The Terms

It is vital to go through all the terms and conditions of the purchased health insurance policy carefully as it offers information regarding the coverage of your plan. You can read about the inclusions and exclusions of your plan to avoid any inconvenience at the time of claim settlement process. A free-look period of around 15 days is provided to the customers by the insurer to go through the policy papers.

  • Considering Only A Single Plan

There are a plethora of options that are available in the insurance market with exclusive features. Therefore, you must compare and research about the policies and choose the one that is suitable for you. You can look up on the internet for the different plans that are offered by various health insurance providers in the market.


Above mentioned are some of the common mistakes that are made by the customers when buying a health insurance cover. Being a wise customer you must always consider these mistakes and try to avoid them at all costs.

Also Read: How to Buy Family Health Insurance Plans Online?

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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