Get Extra Benefits on Buying Health Insurance Online on Christmas

health insurance app
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Medical emergencies come unannounced, and when they do, you have little time to prepare. In dealing with the crisis and handling the stress, accumulating funds for treatments becomes way too much of a hassle. However, if you make the smart move of buying a health insurance policy beforehand, you will not have to face a financial crisis in times of such dire need. And this Christmas is the best time to download a health insurance app and get insured. 

Read on to know why! 

Get Assured Rewards on Buying Health Insurance this Christmas 

If you are yet to purchase a health insurance policy, this Christmas would be the right time to do so. Secure your health this December with lucrative offers from your health insurance provider. You will get assured discounts on insurance premiums this Christmas. And that’s not all!  

You can use the EMI card to get cashback and rewards on availing of any healthcare service in your area. So, if you have not made up your mind about whether you should buy a health insurance policy right away or not, now is your chance. If you still have doubts about it, here are seven reasons to purchase health insurance soon. 

Top Benefits of Health Insurance 

Before you go ahead and buy health insurance online this Christmas, let’s get you informed about all the reasons to purchase it. 

1. Ease of Buying: 

You do not need to wait in queues or go to insurance offices anymore to get your insurance policy. Nowadays, most insurance organizations provide online services to let you purchase, renew, and check the status of the claims made online. Moreover, when you buy a health insurance policy online, you have the option to compare various plans and select the one that suits your needs the best. The fact that you will get discounts and cashback on purchasing health insurance this Christmas gives you all the more reasons to buy it. 

2. Wider Coverage  

With each passing day, the insurance companies get more inclusive. Now, they include almost every category of coverage in the policies. The integrated policies go beyond providing coverage for the individual. In fact, they can offer a complete cover for the entire family under one plan. 

3. Extended Period of Renewal  

The latest policy changes have ensured that you can extend the renewal age for medical insurance policies to get coverage. At present, many medical insurers provide special policies for senior citizens. They do not even have any cap on the age limit. 

4. Cumulative Bonuses 

Cumulative bonuses are the rewards offered by insurance companies when you don’t raise claim requests in one policy year. It’s similar to the no-claim bonuses in automobile insurance. The benefits derived vary from one insurer to the other. Some insurers might give you a discount on the policy premium, and others might increase the sum assured. Commonly, insurers choose to raise the sum assured by five to fifty percent. 

5. OPD Expenditure 

Many insurance companies have started accepting claim requests for OPD claims or outpatient departments. The idea of claim settlement like this is very new yet, and only a handful of insurers offer it at present.

6. Cashless Network of Hospitals 

The cashless facility is undoubtedly one of the most critical features of an online health insurance policy. It is a feature that lets you get the finest treatment minus the cost usually associated with it. You will only have to use the cashless card offered by the insurance company, and the hospital bill will be directly settled by the insurer. But, it’s essential to understand that the cashless treatment facility will benefit you only when you seek treatment from the insurers’ network hospitals. 

7. The Portability Factor 

If you are unhappy with the help extended by your present insurer, you have the option to transfer or port to some other insurer. Generally, changing companies don’t affect your no-claim bonuses. 

The Final Note 

As you can see, there is no denying the need for health insurance in your life. With the Christmas offers coming up, wait no more and get insured today.