Buying health insurance online in India has become a seamless process, thanks to the digital transformation in the insurance industry. With just a few clicks, you can secure a policy that offers financial protection during medical emergencies.
But how to buy health insurance online?
Let us take a look at this step-by-step guide on how to buy health insurance online in India.
1. Start with the Website home page
The first and foremost step would be choosing the right product page on the website so you can understand the details of the plan. It is important to be sure of your needs and budget as you begin this process so that you can evaluate the benefits and costs against your specific requirements.
2. Choose the Type of Policy That Fits You
Next, you will need to decide on the type of policy that suits your needs. Are you looking for individual coverage or a family floater plan? There are many types of policy. Common types include:
Individual Health Insurance: Covers only one person.
Family Floater Plan: Covers all family members under a single plan.
Senior Citizen Health Insurance: Tailored for individuals above 60.
Critical Illness Plan: Focuses on life-threatening diseases.
It is important to be clear on what type of policy you need and select accordingly.
3. Enter Personal Details
After selecting the type of plan, you will be asked to enter your personal details, including:
Name
Date of birth
Contact information
Gender
Occupation
These details help calculate your premium and provide relevant policy options.
4. Customise Your Plan
Once your details are entered, the platform will show you several plans based on your profile. You can customise your chosen plan by adjusting the:
Sum Insured: Choose the coverage amount, which can range from a few lakhs to several crores, depending on your needs.
Add-ons: Select additional coverage options like critical illness cover or personal accident insurance policy if required.
Customisation ensures that your plan meets your specific healthcare needs and financial budget.
5. Get the quote
To get a customised quote, you can provide your details and premium will be given in the quote. Get quotes for the plans you’re interested in or wish to explore. It is a great way to find a plan that balances your coverage needs and financial comfort.
6. Upload Your Documents
Once you have customised your plan, you have to provide some documents to verify your identity and address. This usually includes ID proof and address proof. Some platforms also require medical reports, especially if you have pre-existing conditions. Uploading these documents is quick and straightforward, and speeds up the verification process.
7. Review and Finalise
Before you make the final decision to buy health insurance online, take a moment to review all the details. Make sure your personal information is correct and that you are clear about the coverage and any exclusions. This step ensures that you know exactly what you are signing up for, reducing the chances of any unpleasant surprises later.
8. Make the Payment
Once you are satisfied with your selection, proceed to make the payment. Online payment options are now possible using various payment methods, including credit/debit cards, net banking, and UPI. Choose the method that is most convenient for you, and complete the transaction.
9. Download Your Policy Document
Once the payment is processed, you will receive a confirmation and your policy document will be sent to you via email. You can also download it directly from the platform. This document is your proof of insurance and contains all the details about your coverage and claims process. Make sure to store it securely and keep a printed copy for reference.
10. Activate and Enjoy Your Coverage
In most cases, your policy is activated immediately after payment. You are now ready to enjoy the peace of mind that comes with knowing your health is fully protected. There could also be a waiting period in some cases for specific conditions. This means you can enjoy your policy after some time. It is important to review your policy thoroughly for better understanding.
Planning to buy health insurance online? Buying health insurance online in India is extremely simple and efficient. By following these steps, you can quickly secure the right coverage for yourself and your family.
