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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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Here’s how Cyberbullying Leads to Depression Among Youngsters

Online bullying more horrifying, leads to depression in youths

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Online bullying depression
Cyberbullying amplifyies symptoms of depression and post-traumatic stress disorder in young people. Pixabay

As researchers have found that cyberbullying amplifyies symptoms of depression and post-traumatic stress disorder in young people, health experts here also stressed that in some cases it can be far more horrifying than physical bullying.

According to the experts, cyberbullying is when a child, teen or youngster becomes a target of actions by others — using computers, cellphones or other devices — that are intended to embarrass, humiliate, torment, threaten or harass.

It can start as early as age eight or nine, but the majority of cyberbullying cases take place in the teenage years, up to age 17.

The new study, published in the Journal of Clinical Psychiatry, addressed both the prevalence and factors related to cyberbullying in adolescent inpatients.

Online bullying depression
From setting beauty standards and norms to trolling every act has a significant effect on the psyche of internet users, especially on youth and children, it leads to stress and depression. Pixabay

“Even against a backdrop of emotional challenges in the kids we studied, we noted cyberbullying had an adverse impact. It’s real and should be assessed,” said study co-author Philip D. Harvey, Professor at University of Miami in the US.

According to the researchers, children with a history of being abused were found to be more likely to be cyberbullied.

The study of 50 adolescent psychiatric inpatients aged 13 to 17 examined the prevalence of cyberbullying and related it to social media usage, current levels of symptoms and histories of adverse early life experience.

Conducted from September 2016 to April 2017, the research team asked participants to complete two childhood trauma questionnaires and a cyberbullying questionnaire.

Twenty per cent of participants reported that they had been cyberbullied within the last two months before their admission.

According to the researchers, half of the participants were bullied by text messages and half on Facebook.

Transmitted pictures or videos, Instagram, instant messages and chat rooms were other cyberbullying vehicles, the study said.

Online bullying depression
Children with a history of being abused suffer from depression. Pixabay

Those who were bullied had significantly higher severity of post-traumatic stress disorder (PTSD), depression, anger, and fantasy dissociation than those who were not bullied.

According to findings, participants who reported being cyberbullied also reported significantly higher levels of lifetime emotional abuse on the study’s Childhood Trauma Questionnaire than those who were not bullied.

The internet not only covers the huge part of our lives nowadays, rather it actually dominates today’s generations’ lives, according to the expert.

“From setting beauty standards and norms to trolling every act has a significant effect on the psyche of internet users, especially on youth and children, it leads to stress and depression as well,” Mrinmay Kumar Das, Senior Consultant, Department of Behavioural Sciences, Jaypee Hospital in Noida, told IANS.

Also Read- Full Vaccination of Children Reduces the Risk of Hospitalisation: Study

To reduce the risk of falling in this trap, Das suggested: “Keep an eye on the people you interact with online, keep your personal information or private details safe. Also keep in mind that your children who apparently act normal may also be dealing with cyber bullying.”

“Hence keep communicating with your children, rather than scolding them and forcefully limiting their internet use, support them to come out of this depressing phase, encourage them to indulge in other activities like games, music, etc,” Das added. (IANS)