Enhance your Health Insurance policy - Compare & Buy Health Insurance online

Bajaj Capital Insurance

You can enhance your medical coverage at lower premium by using “Top up Plans”.  Enhancement in health insurance policy ensures that you get much improved policy at an affordable premium.  The rising cost of quality care at busy hospital May causes that sum assured of your current insurance policy is not sufficient. 

Top up plans serves as add-ons on your immediate health insurance policy. They are similar to the base health plan, except that they come with a higher deductible limit.

You are concerned about the limited amount of sum assured since medical expenses have increased excessively. Here a condition comes in which you are looking for a sufficient amount of health insurance but worries about the high insurance premium. In this situation, you can consider the option of Top-Up Plans.

Top up plans have “deductible” hence they are cheap. These plans also have threshold limit sometimes as high as the sum insured itself.  

Top-Up Health Insurance Policy: - Top health insurance plans are for those who already have individual, group or family health insurance plan. If the sum assured of your current health insurance policy is not sufficient due to illness or any other reason, Top-up plans takes care of the additional hospitalization expenses.

Deductible: - Deductible means a cost-sharing requirement under a health insurance policy.

Mr. Mohit has an individual health insurance policy of Rs. 4 lakh and a top up policy of Rs 6 lakh with the deductible of Rs. 4 lakh. In case of the serious hospitalization with a claim of Rs. 10 lakh; Rs. 4 lakh will be paid from the primary insurance plan and Rs. 6 lakh will paid from top-up insurance plan.

In other situation, Mr. Mohit has a top up cover with the threshold of Rs. 4 lakh and he hospitalized twice in a year with bills of Rs. 2.7 lakh and Rs. 2.5 lakh respectively, the top-up plan will not trigger. The top-up plan will only trigger if the medical expense crosses the threshold limit of Rs. 4 lakh.

While selecting the insurance plan keeps one important thing in your mind i.e. higher the detectable, the lower will be the insurance premium. Do not opt for an unrealistically high deductible just to save on premium.

Tips For Buying Health Insurance Online

Health insurance plans are easier than ever these days due to the online insurance providers. Plans of different insurance providers can accessed quickly with all details and compared easily as per convenience.  Intelligent websites takes seconds in fetching the health insurance quotes. Depending upon the health cover that you choose, applying and enrollment takes only few minutes. 

But don't be in hurry because choosing the right health insurance plan for you and your family is a very important financial decision.
 

Whether you are looking for individual health insurance, family floater health insurance plan, senior citizen health insurance, and critical illness plan or top up health plans, here are five very important health insurance buying tips for online consumers.

1. Identify your need:  The identification is very important for health care. Your coverage option depends upon many factors like where you live, pre existing disease. What If your employer offers you health cover, Is it sufficient? Every individual have their unique need so they must go with the health insurance plan as per their need. 

2. Sum Assured: The maximum amount that ensured person could reimburse is "Sum Assured". Before choosing sum assured, take into account the rising cost of quality care in busy hospitals. Mean while also remember higher sum assured having higher insurance premium. 

3. Collect Information and health history: Also, know the health information of the health insurance provider. Review the claim settlement ratio and know what your company offers in case of no-claim: bonus or discount. 

4. Compare Health Insurance Plans: Do not compare insurance premium, compare the insurance plan. Health Insurance is a complex product that tightly coupled with the financial security. You need to get into comparing the health plan features in detail, or take help of an unbiased health insurance provider. 

5. Ask the Experts: You will likely have many questions in your mind as you go through the process of online health insurance purchase. Ask to the industry experts with free o cost before you buy health insurance and start paying health insurance premium.

Bajaj Capital Insurance, comprehensive online insurance portal provides health insurance plans from the top insurers in India. Such plans covers you and your family against the medical expenses such as Hospitalization expenses, Day Care Treatment, Pre & Post Hospitalization cover, ambulance, etc.

How to Save Money on Your Health Insurance Premiums

Keep you Health Insurance premium down

Health insurance is something that you cannot avoid. In this world, there is no guarantee of health security. Any adverse incident can take place anytime and if you are not financially well-prepared, it will be very tough for you to save your life. Health insurance is the best way to secure some money for adverse situations like accidents and illnesses.

But the tragic is that in India, only 40% of people seem to be much sincere about their health insurance plans. The most significant reason for avoiding health insurance by a vast majority of Indians is that they find hard to afford such insurance premiums. The regularly increasing cost of living forces people to limit themselves in basic expenses. Therefore, it is must to show Indians the path from which they can save money on their health insurance premiums.

Health insurance plays an important role in every people lives. But when you are not able to choose the right insurance plan, it is difficult for you to continue it. Failing to pay premiums on time is the most common problems.

Online Insurance Comparison

As you know every problem has a solution, likewise, one of the best solutions is available to keep your health insurance premium down. And it is none other than online insurance comparison. The online websites for comparison for various health insurance policies are one of the fastest and the best solutions. These websites are designed to provide health insurance plans of various reputed insurance firms at one web page that you can find easy to compare. It will be right to say that these websites make comparison of policies at your fingertips. Use your smartphone or laptop anytime and anywhere to compare health insurance benefits and premiums. You can able to choose the plan that provides a huge saving of money and at the same time, benefits of insurance.

Fast andEasy Comparison

Today, well-educated people of Indian have found these insurance comparison websites friendly, fast and ultimate. A few simple clicks allows them to maintain distance from the insurance agents who only guide you for the plans for which they have found commissions. Also, online comparison of insurance policies allows you to save your quality time. You don’t need to take leave from your office in order to search for the best health insurance policy for yourselves. Whether you are at home or office, you can make online insurance comparison to choose the best and well suitable insurance policy.

Money SavingHealth Insurance Policy

Today, 7 out of 10 working guys of India have found these comparison sites wonderful. If you are still untouched with the benefits of health insurance, it’s time to look out for it. There is no need to step out from your home nor need to take assistance from insurance agents, just click to a reputed online insurance comparison site of Indian to know the best health insurance policy that keeps your premium down and provides great benefits during difficult situations.

 Today, online insurance comparison is the best solution you have ever discovered. Give yourself time to look for a reputed insurance comparison website to instantly choose the best policy and purchase it online.

Bajaj Insurance Capital is one of the leading websites for online insurance comparison. It is a wonderful platform to compare various top insurance company policies.