Can Health Insurance be Bought Anytime in India?

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According to the Economics Times report, 48% policyholders confirmed that they purchased health insurance due to the rising cost of medical care expenses. Why are you being late to secure your family’s future and healthcare protection? Purchase the best health insurance plan online in just a few clicks at any time from anywhere.


Can I Buy a Health Insurance Plan at Any Time?


Yes, you can buy health insurance anytime in India and from anywhere. Most insurance providers offer health insurance plans with 24/7 instant online purchasing options.


You do not have to visit the insurance office in person or contact an insurance expert to purchase a plan. It saves time and money. Since health insurance plans are available anytime, you can buy one in just a few clicks. Policies come with an initial waiting period and a particular waiting period for any pre-existing disease.


How to Buy a Health Insurance Policy Online at Any Time?


Step 1: You click the "Buy" option in the right corner of your insurer's page.


Step 2: Enter your full name, pin code, phone number, and email ID to start the health insurance policy purchase process.


Step 3: Verify the OTP you received on your registered phone number to proceed.


Step 4: Once complete verification of your details is complete, the automatic premium calculation will be visible on the screen.


Step 5: Provide other details, including the number of insured persons, their age and any other existing disease.


Step 6: Select the payment option and make the payment.


Step 7: You can customise your plan or choose add-ons as per your requirement. Select the "Buy" option to complete your health insurance purchase.


What Documents are Required for Health Insurance Plans in India?


Your identity proof is crucial to buy a health insurance plan anytime.



  • Aadhaar card

  • Passport

  • Ration card

  • Driving license

  • Birth certificate

  • PAN card


What are the Factors You must Consider Before Purchasing Health Insurance Online?


Before buying any health insurance policy, consider the following:



  1. Hospitalisation Coverage:Check whether the health insurance policy covers inpatient care, room charges, ambulance, and surgery expenses.

  2. Day Care Procedures:Modern treatments that do not require 24-hour hospitalisation should be covered. Make sure your chosen health insurance policy covers day-care procedures such as chemotherapy and dialysis.

  3. Pre and Post-Hospitalisation:Opt for a health insurance plan that covers expenses of doctor visits, diagnostic tests, and prescribed medicines.

  4. Premium and Deductibles:While choosing a health insurance, finding a lower premium is tempting, but it is crucial to balance the premium amount with coverage benefits and reasonable deductibles. Look for a policy that suits your budget and provides extensive coverage to reduce your out-of-pocket expenses.

  5. Exclusions:Keep checking what is not included under your chosen policy coverage. Commonly, health insurance policies do not include infertility treatment, cosmetic surgery, or some pre-existing conditions. So, read the policy print carefully to avoid rejection while making a claim.


Rising out-of-pocket expenses and rising healthcare expenses create a high demand for health insurance plans in India. Health insurance is important to maintain timely, quality treatment and future security.