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How To Select The Best Health Insurance Plan Online

Published On Aug 03, 2021 11:00 AM By InsuranceDekho

Amidst the ongoing global pandemic it is evident that health insurance policies are a saviour and the wisest choice to make when it comes to financial aid and support. Everyone deserves to be treated right and get access to quality treatment at the time of hospitalisation in case of a medical emergency. The health insurance providers offer a wide range of health insurance policies to its customers to make sure that the covers are available for people from different parts of the society. 

Choosing a suitable health insurance policy is a tedious and hectic task as there is a sea of options that are available in the market. To buy a good health insurance policy for yourself and your family, you must know your requirements and be clear with the monetary limits that can be spent on the purchase of the policy. You can use an online premium calculator to calculate the premium cost of the desired policy as it will give you a fair idea of your future expenses and it will also help you customize your plan. 

How To Select The Best Health Insurance Plan Online

Tips To Buy The Best Health Insurance Plan Online 

1. Look For The Coverage 

You must research and compare as many health insurance plans as possible to get a wide range of choices. You must make sure that your plan has a wide coverage and includes features like inpatient costs, room rents, daycare procedures, ambulance charges, pre and post hospitalization expenses, etc. If you are investing in a family floater plan then you must check that there is enough coverage for all the members of your family included within the plan. 

2. Choose Affordable Plans 

You must consider your financial budget before buying a health insurance plan as it is an important aspect. You must keep in mind that a plan with a relatively low amount of sum assured might not be enough and the one with a larger sum assured might be extra. Therefore, you must consider factors like your age, medical history, vulnerabilities to contract a disease, finances, etc. before investing in a health insurance cover. 

3. Consider Family Floater Plans 

A family floater plan looks out for your family and insures their health under a single health insurance policy by including you, your spouse, children, and dependent parents. Around 6 members can be included in a comprehensive health insurance plan, and therefore you must buy a family floater plan to protect all your loved ones under a single policy. But, if you have parents who have a medical history, then it is wise to invest in a senior citizen plan and secure their health under a separate policy cover. 

4. Get Plans With Lifetime Renewability 

Health insurance covers purchased in any stage of life come to a better use when you are in your old age as it is a fragile phase of life with a risk to contract life-threatening diseases. Therefore, always check that your health insurance provider offers the benefit of lifetime renewability of policy which makes sure that the health insurance cover benefits you without a limit on your age. 

5. Insurer With Wide Hospital Network 

These days with the advancements in technology, insurers provide their customers with cashless claim benefits where the insurer clears all your medical dues directly with the hospital without involving you. This makes the whole claim settling experience smooth, quick, and hassle-free. 

6. Higher Claim Settlement Ratio 

Claim settlement ratio determines the claim settling capabilities of the health insurance company. Therefore, you can check the claim settlement ratio for a company before choosing to buy a health insurance cover from them. You must check for the claim settlement reviews of the company online on the web and then make a choice. 


You can do everything like comparing, researching, buying, renewing, and claiming your health insurance policy online without much effort. To easily buy a health insurance cover online, you need a good internet connection. After filling some information and then making the payment online using the secured transaction gateway, you will receive the policy-related documents on your registered email ID. 

Also Read:  Best Health Insurance Plans in India 2021

5 Must Know Things About Health Insurance

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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