Health insurance is a type of insurance that covers the cost of medical and surgical expenses of an individual. It is important to have health insurance to avoid medical debts and unexpected expenses. With the advent of technology, health insurance can now be purchased online. In this article, we will discuss everything about online health insurance.
What is Online Health Insurance?
Online health insurance is an alternative way of purchasing health insurance through the internet. It enables individuals to compare and select policies, pay premiums, and receive policy documents online. It is a hassle-free and cost-effective way of purchasing health insurance.
Advantages of Online Health Insurance
There are several advantages of purchasing health insurance online, some of which are:
Advantages |
Description |
Convenience |
One can purchase health insurance online from the comfort of their home. |
Cost-effective |
Online health insurance policies are often cheaper than those purchased offline. |
Easy comparison |
Online platforms enable individuals to compare policies from different insurers to find the best one. |
Quick documentation |
Online health insurance policies are issued instantly, and policy documents can be downloaded online. |
How to Purchase Online Health Insurance?
The process of purchasing online health insurance is simple and can be done in a few steps:
- Research and compare policies from different insurers
- Select the policy that suits your requirements
- Fill out the application form and provide the required documents
- Pay the premium online
- Receive the policy documents via email
Types of Online Health Insurance Policies
Online health insurance policies are similar to regular health insurance policies and offer similar benefits. The different types of online health insurance policies are:
Individual Health Insurance
Individual health insurance is a type of insurance that covers the medical expenses of an individual. It is ideal for individuals who are self-employed or do not receive health insurance through their employer.
Family Floater Health Insurance
Family floater health insurance is a type of insurance that covers the medical expenses of the entire family under a single policy. It is an affordable option for families and provides coverage for the entire family.
Critical Illness Insurance
Critical illness insurance is a type of insurance that provides coverage for critical illnesses such as cancer, heart attack, and stroke. It provides a lump sum amount on the diagnosis of a critical illness.
Senior Citizen Health Insurance
Senior citizen health insurance is a type of insurance that provides coverage for individuals above the age of 60. It covers the medical expenses related to old age and provides additional benefits such as regular medical check-ups.
FAQs
What is the minimum and maximum age limit for purchasing online health insurance?
The minimum age limit for purchasing online health insurance is 18 years, and the maximum age limit varies from insurer to insurer.
Can pre-existing illnesses be covered under online health insurance?
Yes, pre-existing illnesses can be covered under online health insurance, but it is subject to terms and conditions.
What documents are required to purchase online health insurance?
The documents required to purchase online health insurance are identity proof, address proof, medical history, and age proof.
What is the difference between individual health insurance and family floater health insurance?
Individual health insurance covers the medical expenses of a single individual, whereas family floater health insurance covers the medical expenses of the entire family under a single policy.
What is the tenure of online health insurance policies?
The tenure of online health insurance policies varies from insurer to insurer and can range from 1 year to 3 years.
Conclusion
Online health insurance is a convenient and cost-effective way of purchasing health insurance. It offers several advantages such as easy comparison, quick documentation, and cost-effectiveness. It is important to research and compare policies from different insurers to find the best one.
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