health insurance quotes

How to Find and Compare Plans Online-health insurance quotes.

Health insurance is a type of insurance that covers the medical expenses of the insured due to an illness or accident in exchange for a premium amount. It enables the insurance company to provide medical coverage for hospitalization expenses, day care procedures, critical illnesses, etc. A health plan also offers multiple benefits, including cashless hospitalization and free medical check-ups. It also provides tax savings on the premium paid to the insurance company under Section 80D of the Income Tax, 1961.

However, finding the right health insurance plan that fits your needs and budget is not always easy. There are many factors to consider, such as the sum insured, coverage benefits, network hospitals, co-payment, waiting period, exclusions, etc. Moreover, there are many health insurance companies and plans available in the market, which can make it confusing and overwhelming to choose the best one.

Fortunately, getting quotes for health insurance online makes it simpler to compare insurance plans. Within minutes you can narrow down your choices and receive an instant quote customized to you and your family. With your health plan in mind, you can take it to the next step.

How to Get Health Insurance Quotes Online.

Getting health insurance quotes online is easy and convenient. You can follow these steps to get the best health insurance quotes online:

• Visit a reliable website that offers health insurance quotes online, such as Policybazaar.com or Insurancedekho.com.
• Enter your basic details such as name, age, gender, location, number of members to be insured, etc.
• Select the sum insured amount that you want for your health insurance plan. The sum insured is the maximum amount that the insurance company will pay for your medical expenses in a policy year. You can choose from a range of sum insured options starting from Rs. 50,000 to up to Rs. 6 crore.
• Based on your details and sum insured, you will see a list of health insurance plans from different insurers that match your criteria. You can compare the features and benefits of each plan, such as coverage for pre-existing diseases, maternity cover, OPD cover, ICU charges, ambulance cover, day care procedures, etc.
• You can also check the claim settlement ratio of each insurer, which indicates how efficiently and quickly they settle the claims of their customers. A higher claim settlement ratio means a better chance of getting your claim approved without any hassle.
• You can also read customer reviews and ratings of each plan and insurer to get an idea of their service quality and customer satisfaction.
• Policy quotes of health insurance plans will be displayed with their features and premium. You can add some add-on covers, discounts, etc., to modify your plan and premium amount. Finally, select the best health insurance cover from the available plans and their premium as per your budget and requirements.
• Once you have selected your preferred plan, you can proceed to buy it online by filling up an application form and making the payment. You will receive a confirmation email with your policy details and documents.
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Benefits of Getting Health Insurance Quotes Online.

Getting health insurance quotes online has several advantages over buying it offline from an agent or a branch. Some of them are:

• Easier to Compare Plans – It is easier to compare health insurance plans from different insurers online at websites like Policybazaar.com or Insurancedekho.com to make an informed decision. You can compare various aspects of each plan such as coverage benefits, exclusions, network hospitals, co-payment, waiting period, etc., and choose the one that suits your needs and budget.
• More Convenient – It is more convenient to buy the policy online as you do not have to visit the branch of the insurance company or take an appointment to meet an agent. You can buy the policy anytime and anywhere as per your convenience.
• Online Discounts – It allows you to avail discounts on premiums for buying the policy online. Online policies are cheaper than offline policies as insurance companies save on operational costs such as commissions, paperwork, etc.
• Minimal Paperwork – The process of buying a health insurance policy online involves minimal to zero paperwork. You do not have to submit any physical documents or undergo any medical tests (unless required by the insurer). You just have to fill up an online application form and upload some documents such as identity proof, address proof, etc., if required.
• Policy Available 24x7 – A health insurance policy can be purchased online any time of the day, even on public holidays, which is not possible in offline buying.
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Conclusion.

Health insurance is a necessity in today’s times when medical costs are rising rapidly