These days, it is almost impossible to pay for medical treatment from one’s savings account. This is why it is so important to have the protected that is offered by health insurance. Even the most basic health insurance plan can go a long way in protecting you from possible financial ruin during an illness.
Now, you may have medical insurance coverage from your employer if you are a salaried individual. However, it is equally important to keep yourself secured with private health insurance too. If you lose your job or change to a new one, you will no longer be covered by the health insurance plan of your previous employer. And, what if your new company does not offer coverage? Thus, it is better to have your own health insurance policy to stay protected always, no matter where life takes you.
If you are about to buy health insurance for the first time, you might wonder where you can make the purchase. Well, there are a couple of options – this article lists them out for you.
1. From agents
If you are new to health insurance, it might be best for you to purchase coverage from an agent. Agents can help shortlist the best plans for you, advise you on the add-ons you need, and even assist you with filling up the application form. In short, you can literally walk through the entire application process with proper guidance. It is advisable to ask the agent to shortlist a few plans first so that you can take your time to evaluate them independently as well. Don’t jump at the first plan they suggest; always request more options.
2. Online from the insurance company website
If you are searching for the best rates on premium, then you must buy health insurance online. Insurance companies save money on operational costs when they make their products available online. So, these savings often turn into discounts for you as the policyholder. You can use aggregator websites to compare various health insurance plans and then finally make the purchase on the website of the insurance company. The top health insurance companies have highly intuitive websites that allow you to easily apply for coverage online. When buying insurance online, do make sure to read the policy fine print carefully to know what the inclusions and exclusions are.
3. At the insurance company’s office
If you are unfamiliar with health insurance and would like more detailed guidance, you can also consider going to the insurance company’s office to buy your policy in person. This way, you can go through their various brochures and get detailed guidance on the inclusions of your policy and the premium costs. You can even get detailed guidance on the various add-ons that would benefit you. Don’t forget to ask the customer service representative whether there are any running discounts that you can avail of.
We hope this article helps you when you buy health insurance. Take care and good luck.