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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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3 Ways Online Trainings Add Value to your Learning

Apart from flaunting the skills acquired through completing one such online training, there are multiple things that you can add to your resume

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Online, Trainings, Value
part from adding value and fun to traditional forms of education, online trainings support and encourage the students. Pixabay

Online learning has become a fruitful solution for individuals who prefer knowledge and skills over degrees. As scholars were keenly looking for affordable, accessible, engaging, and interactive learning solutions that can add value to their learning and shape their careers, online learning came for the rescue. Online trainings not only help students retain more information but open a way for interactive learning. Students not just watch videos to passively consume information but they get an equal opportunity to actively immerse into exercises, quizzes, assessment tests, industrial projects and a lot more. While online learning has become a companion for scholars, working professionals are also making huge benefits out of it. 

In the past few years, the credibility of online trainings has grown effectively. Apart from adding value and fun to traditional forms of education, online trainings support and encourage the students, provide them with the opportunities to implement their learnings, assist in professional development, and increase their chances of getting hired. 

Apart from flaunting the skills acquired through completing one such online training, there are multiple things that you can add to your resume. Some of these are mentioned below-

  • Hands-on exercises and industrial project – Online trainings usually include a lot of assignments, assessment tests, code challenges, quizzes, and exercises to make way for active learning. This ensures that apart from spending time on the audio-visual lectures, you also get an equal amount of time to experiment with what you have learnt. All of these interactive activities give you the creative freedom to implement your learning effectively. At the end of every training, you get to work on a fully-fledged industrial project that can enhance your practical understanding. The industrial projects vary as per the training. For example, you have to design an e-commerce website in web development training, design an end-to-end predictive model for a financial firm in data science training, come up with your own blog and design a complete digital marketing strategy for it in digital marketing training, and so on. 
Online, Trainings, Value
In the past few years, the credibility of online trainings has grown effectively. Pixabay
  • Placement training – Pre-placement period can become extremely stressful for students as they have little to no idea about handling interviews and presenting themselves in front of the panel. Moreover, there are times when your unsuccessful previous interview encounters daunt you more than anything. To boost confidence, it is important to learn from professionals. Fortunately, online trainings ensure that you get a complimentary placement training along with any of the training programs that you enrol into. The placement training usually trains you in resume writing, cover letter writing, email writing, and gives you important tips to stand apart from the crowd during interviews. The placement training gives you a beneficial head start for any of your future internship or job applications.
  • Training completion certificate – Certificates act as evidence of professional credibility. Training completion certificates are usually provided after you successfully complete every module and pass the final test with a minimum qualifying score. While hiring, a lot of employers usually prefer those applicants who have completed skill-based trainings from recognised platforms and have a certificate of the same. Inclusion of certificates in your portfolio clearly defines that you have invested your valuable time in learning new skills actively. Moreover, it gives a fair picture to the employers of why selecting you over other applicants who have no proven certificate course or skill would be better for them. The certificates usually have a unique number that can be used by your college authorities or future employers to verify your certification.

E-learning platforms offer huge liberty for those who aim to learn new skills at the comfort of their home. Adding up to the above-mentioned benefits, online trainings ensure that during the training, in case you face any doubts and queries, you are provided with full support through forum query. While being affordable and accessible, online trainings fulfil your aim of learning in-demand skills without sacrificing valuable time out of your college or work schedule. 

Also Read- Virginia Doctor Sentenced to 40 Years in Prison for Illegally Prescribing Opioids

Courtesy: Internshala Trainings, a training platform (trainings.internshala.com)