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Things To Keep In Mind Before Buying Health Insurance Online




Everyone dreams of being financially stable. But a sudden illness or an accident can eat all your savings with the soaring medical and treatment costs. However, collecting funds in case of medical urgency is an intimidating task. A health insurance policy is the best choice to avoid financial strains due to medical expenses and protect your savings.

A health insurance policy covers all medical expenses incurred due to illness, accidents, or injury. You can avail of such an insurance policy by making monthly or annual payments for a specific tenure.

Why Is Health Insurance Important?

“Health is Wealth.” Protecting your and your family’s health is the most significant and prime concern. A medical emergency can arise anytime. Therefore, you have to be prepared and financially stable to handle all expenses. Though you may have enough savings to pay medical costs, you may experience a financial crisis if the charges are expensive.

With the rise in the cost of healthcare services, many people are unable to afford the best-in-class and quality treatments. But with health insurance, they can get the best treatment from top hospitals and manage their expenses. Therefore, health insurance is a beneficial policy, helping you stay financially stable in times of a medical emergency.

8 Things To Consider Before Buying A Health Insurance Online

Given below are some helpful pointers to keep in mind before buying a health insurance policy:

  1. Claim Process

While selecting the policy, you must look after two parameters – the claims process and the settlement of the claims. It is better for the insured if the claims process is easy and straightforward and the settlement of the claims is faster. Moreover, you must look for good customer support.

  • Selecting The Right Amount

As health insurance finances medical expenses of a year, selecting the appropriate health insurance plan plays a crucial role. You must consider certain factors while picking the right package, such as your age, income levels, etc.

Choose a plan that involves enough sum and won’t fall short during an emergency. Moreover, make sure that your plan’s premium is not sky-high.

  • Family Health Insurance

Before choosing the health insurance plan, make sure you keep in mind your family members and their age. Moreover, take into account family members’ medical history or current ailments, if any.

  • Waiting Periods

It is the specific time limit period that individuals have to pass before the health policy coverage starts. Therefore, choose a health policy that has shorter waiting periods. You may face situations where you can’t avail of your health policy if its waiting period is more extended.

  • Maternity Benefits

With the rising costs of all healthcare services, pregnancy costs have also increased. Women should look for a health insurance plan that covers maternity costs. For maternity purposes, you must consider the sub-limit and the waiting period for claiming maternity expenses.

  • Pre/Post Hospitalisation

The health insurance plan you pick should cover all pre and post hospitalization charges.

Pre-hospitalisation charges include doctor consultation fees, medications, and diagnostic tests. Post-hospitalization expenses involve medicines, follow-up with a doctor, etc.

  • Network Hospitals

You should always prefer an insurance company that has a cashless network of hospitals. The benefit of a cashless network of hospitals is that the insurer directly settles medical expenses with a hospital. Therefore, you can avoid the process of billing at the hospital. Choose an insurance company having a vast network of hospitals.

Bajaj Finserv Health has a network of more than 3500 partners.

  • Lifetime Renewal

A health policy that provides lifetime renewability is the best one to buy. After all, it is likely that you may suffer from illness at your old age than when you are young.

Benefits Of Health Insurance

Given below are some benefits of purchasing health insurance:

  1. Health insurance covers domiciliary expenses, diagnostic tests charges, medication costs, hospitalisation charges, ambulance expenses, daycare procedures, etc.
  1. One of the most significant benefits of health insurance is that it offers tax benefits. Premiums that you pay for your health policy qualify for tax deductions under section 80D of the Income Tax Act, 1961.
  1. You can transfer your existing health policy to a new health insurance provider through health insurance portability.
  1. It offers financial security and keeps you stress-free during inflation.


After looking at the benefits of health insurance, you might surely think of utilizing this policy. Bajaj Finserv Health is a comprehensive healthcare app that offers various medical services, like finding a doctor, booking an appointment, consulting a doctor online, storing health records, etc. With the Bajaj Finserv Health EMI card, it has become more manageable to pay all your medical expenses in installments.

The tenor to pay for the treatment ranges between 3 to 24 months. You get a pre-approved limit of up to INR 4 lakhs with the Bajaj Finserv Health EMI card. The monthly payments will automatically get debited from your account.

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Full Body Check-Up

You visit your doctor from time to time for a variety of reasons. Some people do visit when they experience a new problem or once they are encountered with inexplicable health concerns. Some visit as per the need of follow up care for a chronic illness. There are other folks who see their doctors regularly as a day today follow-up to keep their assistance in the best order, but they are comparatively few.  The thing is why should the only time one visits a doctor when one is unwell or cannot simply fix one’s problem through over-the-counter medications. (more…)

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