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How to Find the Right Health Insurance Online

Despite the convenience, finding the right health insurance plan is not easy. There are a few deciding factors, which you should keep in before you finalise a plan

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Health Insurance Policy. Image Source: www.business2community.com

Health insurance is not an option anymore. It has become a must-have thing.

The government takes regular initiatives to encourage people to have health insurance by introducing welfare schemes, the latest being the Ayushman Bharat Yojana (ABY)in 2018. Under this plan, the central government will be providing health insurance with a cover of Rs. 5 lakh annually to 50 crore people of the country. However, this scheme is specially for low income groups.

The average middle class who can afford to buy insurance must have a health plan because you don’t want to end up yourself in financial burden in case of medical emergencies. And what’s better option than a comprehensive health insurance plan?

How to get a pocket-friendly right health plan?

You can take advantage of online services offered by the insurance companies and insurance aggregator portals like RenewBuy, OneInsure, Probus Insurance, Policybazaar, and others to find the right plan.

Get a health insurance plan online

But, first, you need to answer these questions:

  • Whether you want to buy a Health plan for an Individual or family
  • How much coverage you want in a plan

Once you have answered these basic questions, you can visit either the official website of insurance companies or insurance aggregators like PolicyBoss, RenewBuy, Probus Insurance, Turtlemint, Ask Arvi, etc.  

If you want to take real advantage of online services and explore a plethora of health plans offered by various insurance companies, visit the website of any of the insurance aggregator like Probus Insurance and compare health plans.

Compare health insurance plans online

Comparing health insurance is easy and totally free of cost. You get to see various health insurance plans and premium quotes provided by top-notch health insurers in India.

Despite the convenience, finding the right health insurance plan is not easy. There are a few deciding factors, which you should keep in before you finalise a plan.

Health insurance
Other factors you can also check for is Network Hospitals, Sub-limits, Co-pay, etc.

Points to keep in mind when comparing health plans

A) Health plan coverage

Check what it covers, inclusions, type of treatments, cost of hospitalisation, etc. You need to find out what each health insurance plan includes.

Check for the medical expenses covered for:

  1. In-patient hospitalization
  2. Pre-hospitalization
  3. Post-hospitalization
  4. Daycare

These are a few of the basic coverages a health plan covers. However, each insurance company may offer different coverage scheme. So, you must compare each plan coverage.

B) Compare room rent

A room rent decides the amount you will get at the time of claim in case of medical emergencies. All the expenses for medical treatments are based on the room rent. Check if there is a cap on room rent limit.

C) Check for a waiting period

A waiting period implies a duration up to which you have to wait before a claim is accepted. This is not applicable under emergency hospitalisation. Generally, a plan will have a waiting period of 30 days. However, for pre-existing diseases, it differs. It is essential to check the waiting period.

D)  Exclusions

Check the exclusions, as mentioned in each of the plans in insurance policies. It is better to know the exclusions before purchasing.

E) Premiums

Premium is the amount one pays to keep a health insurance plan in force. A cheap plan does not mean a bad plan. And a higher premium does not guarantee you a better service.

How to get a pocket-friendly right health plan? Find it out here. Pixabay

Look for a pocket-friendly plan, but also check the claim settlement ratio to know the post-sales and support provided by the insurance company.

F) Claim Incurred Ratio

Check incurred settlement ratio of each health insurer you have shortlisted. It can act as a critical factor before you buy a plan. Because you want that insurance company to support you when needed.

Other factors you can also check for is Network Hospitals, Sub-limits, Co-pay, etc.

Also Read- Top 5 Compelling Benefits of Implementing Employee Management Software in your Business Workplace

Finding the best health insurance plan is not an easy task. But comparing health plans online on web-portals like Policybazaar, Probus Insurance, ETInsure, make things simple and convenient. With the help of a few guide pointers as discussed above and comparing health plans, you can get the right health insurance plan online with no hassle.

Author: Sumit Asrani

Sumit Asrani is a Mumbai based writer. His blood cells are woven with Hypergraphia, as he breathes in books, he exhales words and sneezes poetry on Instagram. Captivated by the web-of-words, he’s trying to escape miraculously by weaving words on insurance space, digital marketing, and creativity.

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Protect Your Digital Self in a Few Minutes a Day

Here are ways to protect your digital identity

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Digital dangers
In this growing online world, you need to protect yourself from digital dangers. Pixabay

No one can feel safe noways if you post anything online from time to time on your social media profile, or anywhere else. What kinds of after effects you might encounter if you share or leave your email somewhere? What about the things you say or express online? Don’t you think this kind of information may end in the wrong hands? Let’s find out what scary scenarios may happen to you unless you’re paying due attention to that and how to avoid being trapped into digital dangers for your identity.

First of all, let us start with the popular background check tools that use open governmental and private sources to gather all the information available about you in one place. You might be surprised by the amount of data available freely about you online and that you are not aware of it. Those types of tools fall under the Open Source Intelligence category apps. 


Plenty of lawbreakers were able to design special tools that allow parsing the information they need just like the police search tools in popular movies. Those tools scanning publicly available databases as well, that what makes them so dangerous to you. What can be done against those big data monsters? It’s quite easy to check what kind of information about you may be freely available through those OSINT tools and how easy someone fraudulent can get use of it.

Protecting digital identity
The amount of data available freely about you on the digital platform might surprise you. Pixabay

Digital footprint

Any emails you ever replied or received, every post you shared on Facebook, every selfie you uploaded on Instagram – all of that creates your digital footprint identity. Anything that was ever said or done on the Internet will stay there forever and that is one of its foundation stones. Clicking on “accept cookies policy” button will help the webmasters track the activity you perform on their websites and since this kind of info is stored somewhere, you will add that to your digital footprint. Most of the digital footprint types can be divided into two main groups: “active” and “passive”.

  • “Passive” are the ones you leave unconsciously or in some cases without even know about that. For example with the data tools such as Google Analytics, the website owners are tracking how many visits or clicks were obtained from your IP, location or country. Since most of such processes are going unnoticed and you were not going to send that data over, you may not even realize that something is collected.
  • “Active” footprints are the ones you choose to share over the web. Posts from your social media accounts or your contact details on various forums or Web 2.0 pages are classic examples of your active digital footprint. Once you log in to some shared directory from your working desk and make changes to something that is visible for everyone with access is another example of the active footprint.
Digital footprint
In case you are aware of the digital footprint you leave or simply don’t want your search history to be revealed, use Incognito mode in Google Chrome. Pixabay

How to find your online presence?

One of the most obvious ways to find yourself online is by using some of the most popular search engines like Google, Bing, Yahoo, Yandex etc. In case you are aware of the digital footprint you leave or simply don’t want your search history to be revealed, try DuckDuckGo or use Incognito mode in Google Chrome. The Tor browser is another great option to be considered.

You can also use such people search directories like Nuwber, OneRep, BeenVerified or Instantcheckmate or simlply what info you already shared on social media with the help of FB People Directory or Facebook Email Search.

What identity theft can lead to?

Financial aspect – you won’t believe that but once the information about you was leaked it may be used for years after that, leading to fraudulent activity on your credit card, cleaning your bank account, to get a job, using our SSN or get tax return instead of you.

Emotional aspect – once you reveal that your identity was stolen you might encounter such things as being in constant stress or feel anxious. In some cases, people can commit suicide as they don’t have the power to stand against that. Just imagine someone’s calling you and demanding to pay the credit you never asked. The result may be quite tragical.

Physical aspect – your identity being stolen may result in stomach pains and headaches, inability to work or think properly.

Social aspect – since we all live in a digital world, identity theft may lead to losing your job or spoiling your reputation in some cases. Once such a case is revealed, you need to ask for professional help from the governmental or private institutions, depending on the severity of a problem.

Digital self
To protect your digital self, you shouldn’t reveal your real name and data on high-risk websites. Pixabay

Simple Tips to be Safe and avoid stealing your Identity

1. Always use strong passwords. There are plenty of tools that will help you to generate secured ones and store them in safe application like Dashlane.

Also Read- Indian Consumers In Tier-2 Cities Take Advantage Of Online Transactions: Report

  1. Check whether your email was a part of a leaked emails batch by checking it on HaveIbeenPwned.
  2.  Don’t use your real name on the forums and high-risk websites, unless it’s needed.
  3. Disable sharing location option on your mobile device option.
  4.  Never use your personal and financial details in shared networks, especially public WiFi, or use secure VPN connection.

With the growth of mobile and PC traffic worldwide, the demand for all kinds of leaked data will only grow over time. To save yourself from any negative effects of the data leakage you would only need to follow the simple security rules.