How To Apply For Health Insurance
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Health insurance, also known as medical insurance, is a financial tool that helps manage related expenses. Through this, you can pay for treatment arising from accidents, illnesses, diseases, and other such instances. Some health policies offer basic coverage (for example, in-patient hospitalisation), while some provide extensive coverage over and above the basics (for example, preventive healthcare, death benefit, etc.).
While the freedom that you get is great for your healthcare, it can be daunting to shop for your own insurance plan if you’ve never done it before. While there are several ways to go about shopping for health insurance, the most common way is through the Health Insurance Marketplaces. In this article, we’ll walk you through the five-step process so you can choose the right plan for you and your family.
How Do I Apply For A Health Insurance Plan?
There are two ways to buy health insurance plans in India — offline and online. The offline method is more cumbersome as it involves exhaustive paperwork and efforts. Plus, it is time-consuming as you need to visit an agent's or insurer's office.
The online method is easy, quick and seamless. All you have to do is visit the insurer's website, select the policy, and make the payment. Plus, online platforms also allow you to renew and raise claims digitally.
Steps To Buy Medical Insurance Plan Online
You and the family members can get insured under the best health insurance plan in India by following the below-mentioned steps.
- Step 1 - Visit the official website of your choice of health insurance company
- Step 2 - Share details: Enter a few details such as your age, dependent’s details, and some other personal information to get a health insurance quote.
- Step 3 - Get policy: Pay the premium and receive the policy document instantly at the registered email address.
Documents Required To Buy Medical Insurance Plans In India
To avail of a medical insurance policy, below is the list of documents required.
- Proof of age: Driving Licence, Voter’s ID, Passport, Birth Certificate, etc.
- Identity proof: PAN card, Passport, Driving Licence, Voter’s ID, etc.
- Proof of address: Ration card, Passport, Voter’s ID, Aadhaar card, bank statement, telephone/electricity bill, etc.
- Medical test report: If you are asked to furnish, then you’ll have to undergo a medical check-up and submit the report.
Conclusion
Nowadays, it’s easier than ever to find an affordable plan that meets your unique healthcare needs. Even better, if your employer offers an HRA, you’ll pay even less out of pocket for your monthly premium, maybe even nothing at all.
Also read: Does Health Insurance Cover Cancer
