How to Buy Health Insurance Online in India?

Health insurance is a must-have for every family in India. But with so many options available, it can be a daunting task to buy health insurance online. Here’s a step-by-step guide to help you make the right choice.

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Health insurance is insurance that covers the whole or a part of the risk of a person incurring medical expenses, spreading the risk over a large number of persons. By estimating the overall risk of health care and health system expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to provide the money to pay for the health care benefits specified in the insurance agreement.[1] The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity.

In India, there are both private and public health insurance providers. The public sector options are provided by central and state governments while the private players include standalone health insurers, insurers tied up with banks as well as general insurance companies.

Guidelines to buy health insurance online

It is now possible to buy health insurance online in India. This process is simple and convenient, and it can be done in a few steps. There are a few things to keep in mind when buying health insurance online, and this article will guide you through the process.

Do your research

With so many different health insurance providers in India, it can be hard to know where to start when you’re trying to buy health insurance online. The best way to find the right policy for you is to do your research and compare different providers.

When you’re comparing providers, there are a few things you should keep in mind:

-The type of coverage you need: Do you need a comprehensive policy that covers everything from hospitalization to outpatient treatments? Or would a simpler policy that just covers hospitalization be enough for your needs?

-Your budget: How much can you afford to spend on premiums each month? Keep in mind that cheaper policies usually have higher deductibles, so you’ll have to pay more out of pocket if you need to use your insurance.

-The provider’s reputation: Read reviews of different providers before you make a decision. Make sure to look for red flags like bad customer service or a history of denied claims.

Consider your needs

The first step is to stop and think about your needs. You should consider the following:
-Do you need insurance for yourself, your family, or both?
-Do you need short-term or long-term coverage?
-What kind of benefits do you need?
-How much can you afford to pay in premiums?
Once you have a good idea of what you need, you can start shopping around for the right policy.

Compare policies

One of the most important aspects while buying health insurance is to compare policies. Do not just go by the premium you will have to pay but also check things like features, inclusions, and exclusions, pre and post hospitalisation expenses, waiting period, room rent capping, among others. By comparing health insurance policies online, you can narrow down on the insurer and policy that best suits your requirements.

Another vital aspect that needs to be considered is whether you want an individual policy or a family floater policy. If you are opting for a family floater policy, check if it offers sufficient coverage for all members of your family. Also, check if there are any riders that you can add to your policy to make it more comprehensive.

Check the reviews

When looking for an insurance company, always check the reviews left by other customers. If there are a lot of negative reviews about the company, it is probably not a good idea to buy their insurance. Instead, look for companies with mostly positive reviews. You can also check online forums to see if there are any discussions about the company you are considering.

Go for a reputed company

When you buy health insurance online in India, it is important that you go for a reputed company. This is because a reputed company will have a good claim settlement record. It is also important to check the reviews of the company before you buy their health insurance policy.


Now that you know how to buy health insurance online in India, it’s time to start comparing policies and prices. Use an online comparison tool like PolicyBazaar to get quotes from different insurers, and then choose the policy that’s best for you.

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