Reasons why you should trust and buy Health Insurance online


18 Feb 2022

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After the pandemic struck and became a part of our contemporary lifestyle, one thing was proven every individual needs a health insurance policy. But buying health insurance can be intimidating for some. Especially when you are trying to buy it online. Given the amount of digital success that our generation has achieved, one can argue that it is indubitably safe to buy health insurance online. But of course, when the concern is about your health and the money you are investing in it, you expect more than just an assurance.

There are many reasons why you should trust and buy health insurance online. One of them is the transparency that digital presence brings. Health insurance companies today want to establish themselves as trusted sources of information and service providers. Hence, they give every piece of information possible to help win your trust and to assure you that your future is in safe hands. All you have to do is look for these important aspects that signify the credibility of these online health insurance companies.

Here are two factors that can help you trust health insurance companies online:

Claim settlement ratio

The claim settlement ratio alone can help you decide if the insurance company is trustworthy. This ratio is the average of the number of claims that were approved and settled by the health insurance company during the span of a year. This gives you a fair idea about how likely this company is to provide the financial assistance that it promises. However, you must also understand all of their terms and conditions with respect to claim settlement.


One of the factors to consider when finding a trusted health insurance company should be checking the benefits offered by them. Besides the fundamental services, each insurer has a set of their own benefits that make them stand out. You can compare health insurance policies online to find which insurer offers the benefits that align with your needs.

Both health insurance and digitization are a boon during this time. You can buy health insurance online at your fingertips from the comfort of your own home. If you already own a health insurance plan, using the online services of your insurer, you can perform many functions online, like a renewal of your policy, adding new terms, burying add-on coverage, or even filing a claim. In conclusion, you can perform most of your tasks online.

Here are some more pragmatic benefits of buying health insurance online:

You can compare different policies

One of the benefits of having every piece of information only a distance of a few clicks apart is that you can access them simultaneously. When you are buying health insurance online, consider it a prerequisite to comparing them online. When you compare health insurance plans online, you get to see what every insurer has in store for you. You can weigh your options and pick the best deals that suit your requirements.

No middlemen or agent

When you buy health insurance offline, not only do you have to go through the struggle of personally meeting different agents, but you may also have to pay a little more than online deals. The reason why you may find online health insurance plans relatively less expensive is that you are buying them directly from your insurer. However, there are many other factors that affect your premium rates, so it is best to have an open mind when buying health insurance online.

24*7 Customer service

When it's a matter of your health, you can use all the necessary attention that you get, right? So, imagine how beneficial it is to get 24*7 customer service online. This service is available to you before and after you buy health insurance. Insurers offer various modes of communication like website bots, SMS, WhatsApp, customer care numbers, or emails.

Health insurance premium calculator

Almost every health insurance company provides the premium calculator feature on their website or their mobile apps. You can use that to get your health insurance quote online by just filling in your details.

If you do meticulous research about the insurance companies, buying health insurance online can prove to be a good experience. Once you have gone through all the information that you need to know, and that convinces you about the efficacy of the insurance company, you can go ahead with your decision and buy a health insurance plan online with no hesitation.

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Team Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Kotak General Insurance, with the sole purpose of providing valuable guidance and sharing insights on the importance of general insurance. Our objective is to assist users in making informed decisions when purchasing or renewing insurance policies for their cars, bikes, and health. Our expertly curated information aims to empower our readers with the knowledge they need to protect their valuable assets and financial interests.