How to Buy Health Insurance Online Safely?

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You know buying health insurance online makes your life easier! Yes, you will research and buy a plan anytime from the comfort of your home.


To buy health insurance, assessing your needs is the first step in choosing the right health insurance policy. Choose a reputable insurance company after reviewing customer feedback regarding service availability, coverage benefits, and premiums.


How to Buy Health Insurance Online Safely?


Step 1: Evaluate Healthcare Requirements


The primary and most crucial step to buy health care insurance is to understand your requirements. Whether you are looking for a family floater or an individual medical insurance plan, identify the one that's best for you and your loved ones.


Step 2: Compare Plans


Compare various plans from different insurers online and shortlist a plan with a wide range of coverage catered to your requirements.


Step 3: Log in to the Portal


Visit the official website of your insurer and log in to the portal using your account details.


Step 4: Enter Details


Enter the required details such as your address, PIN code, full name, phone number, and email address to start the process.


Step 5: OTP Verification


You will receive an OTP on your registered phone number; enter it and verify the OTP.


Step 6: Calculate the Premium


After verifying, select add-ons or customise your health insurance plan according to your coverage requirements.


Step 7: Enter further details


Enter further details, including your age, the number of persons included in the policy, their ages, and medical history if required.


Step 8: Make Payment


Choose your preferred payment option and complete the payment.


Step 9: Select the Buy Option


Select the buy option to complete purchasing a health insurance plan, and you will receive an e-receipt and policy documents instantly via email or SMS.


How to Choose the Best Health Insurance Plan Online?



  • Compare policies by evaluating premiums, sum insured, and coverage benefits. Check online reviews of your chosen insurer regarding the claim settlement process and service availability to understand customer satisfaction.



  • Ensure your chosen plan covers home care, hospitalisation expenses, organ transplant surgeries, and additional costs. Most insurance companies offer coverage for doctor consultation charges, diagnosis, medicine expenses, and ambulance rent.



  • Opt for a policy with minimal or no co-payment requirements, such as zero co-payment plans on consultations or day care.



  • Choose a plan that provides diagnostic support and allows access to a wide range of network hospitals. A plan with better infrastructure and additional coverage, such as accidental riders, critical illness, or maternity benefits, is always beneficial for policyholders.


Lastly, one must prioritise a health insurance policy with a short waiting period for pre-existing diseases.


What are the Necessary Requirements for Buying Health Insurance Online Safely?


To buy health insurance online, you'll need to provide certain documents, including:



  1. Identity proof (PAN card, Voter card, Aadhaar card, or Passport)

  2. Address proof (electricity or water bill, Aadhaar card, or Ration card)

  3. Photographs (2 passport-size colour photographs of all insured members)

  4. 10th or 12th mark sheet

  5. PAN card or birth certificate as age proof

  6. Prescriptions and past medical reports or results of required medical tests

  7. Income proof (salary slip or income tax return, if needed)