Online vs Offline Health Insurance| Differences, Which one to prefer?

Online vs Offline Health Insurance| Differences, Which one to prefer? , Support, Premium Price Difference –  In today’s world everything is getting Online and it is very important to let people know the actual difference between online and offline health insurance. If you are new to blog and deals with selling health insurance than you are requested to refer Proven Tips and Tricks to Sell Health Insurance Online and Offline. Here are the main differences in benefits of purchasing the policy Offline or Online.

Online vs Offline Health Insurance| Differences, Which one to prefer?-

health Insurance selling tips

health Insurance selling tips

Read the following points and get it resolved.

Which is most profitable mode of selling Insurance  ??

The simplest way to go about selling a policy is to get in touch with the customers and tell them premium rates. But this has its own limitation – you could easily take a month to get all the details and the client could really be slow in his response – after all it’s a health insurance policy he is buying and he can compare plans from other sellers as well.

Go Online : Another easy way is to create an insurance comparison sites or aggregators as they are called. Aggregators provide a single window to compare quotes and features from multiple insurance companies and help a customer select the most suitable one. There is a whole lot that have mushroomed in India of late.

How Online  Insurance selling is customer friendly ?

Once he/she enter all relevant details, he/she is shown a plethora of policies where customer can check each one out before selecting the one he/she want to buy. Collect payment from customer with help of aggregator sites upfront and liaise with the your insurance company to close the deal with customer . Aggregators get a small marketing fee from the insurance companies for policies that they sell online.

“The process of buying online insurance has been made as simple as buying a flight or a movie ticket online. In the last one year, there have been considerable improvements in the online buying process.”

Benefits of selling health insurance online :

  • -You save time – everything can be done at the click of a mouse.
  • -It’s cheap, you save the costs for the advertisments offline . This is passed onto customer.
  • -You don’t have to make a trip to the customer’s place and save agent’s salary.
  • -Most of the aggregator sites are easy to use and compare by customer’s – it’s a one stop shop to sell policies.
  • -Most of these sites are safe to operate and payment can be colected using net banking/credit cards/ debit cards from the customers.

Most aggregators have a FAQ section and “ask an expert” section which helps buyer reach out on queries they might have.

Advantages for buying online health insurance  for Buyers ?

For starters, buying online has now become a very simple process. You do not have to go through the hassle of going through an agent, who would have a tie-up with limited number of insurance companies and may not be able to get the product that you want. The agent may try pushing a product which they want you to buy. Also, there is complete transparency in the process when you buy online – everything is there in front of you and then you can make a decision. With an agent you really do not know if some facts are being hidden and only the good part of the policy is being highlighted to you. You realize the worst when the policy document comes to you or when you start the claim process. Having said that, if the agent is a completely trustworthy person, buying online and offline are the same.

Conclusion-

You are not going to deal with agent… You are dealing with direct Insurance Company and agent role is just to let you know about each and every clause. But buying Online from trusted website will increase your chances to get Claim in need.

Good Luck.. Choose Wisely.. In case of any doubt comment below must.

Star Health Insurance Company Wiki Details|Best Plans, Compare Policies

Star Health Insurance Company Wiki Details|Trust Factor,Background,Partners|Plans, Compare Policies and Benefits: Star Health is India’s first Life and Health Insurance Company which provides affordable Health Coverage Plans for Individuals, Family and Senior Citizens. Any person between 18 years and 65 years of age can enjoy their insurance service. This policy can be renewed during the whole life of the Insured Person. It is a joint venture between Oman Insurance Company UAE, Leading NRIs and an Indian company being a special purpose vehicle formed by a group of business tycoons. In 2013, Star Health Insurance became the first Insurance Company to launch a specialty policy for people suffering from Cardiac ailments, Star Cardiac care the one of its kind policy for persons who had undergone Heart Surgeries. Here in this post, we are sharing Star Health Insurance Plans, Policies and their Benefits to you.

Star Health Insurance Company Wiki Details|Best Plans, Compare Policies-

Star Health Insurance-Plans, Policies and Benefits

Star Health Insurance Wiki

Here we are sharing 14 Star Health Insurance Plans and Policies with their Benefits:

Star Health Insurance Plans, Policies and Benefits:

1. Star Care Insurance Policy: This is a new health insurance policy introduced by Star Health. It gives protection for individuals as well as the entire family, on the payment of a single premium under a single sum insured.

Benefits:

  • Room, Boarding, Nursing expenses at Rs.750 per day – either private or shared accommodation.
  • ICU charges upto Rs.2,000 subject to maximum of Rs.10,000 per hospitalization.
  • Ambulance charges for emergency transportation up to a sum of Rs.500 per hospitalization and overall limit of Rs.1000/- per policy period.
  • Pre Hospitalization expenses up to 30 days prior to admission in the hospital.
  • Post Hospitalization expenses up to 60 days after discharge from the hospital. Medical expenses incurred up to 7% of hospitalization expenses subject to a maximum of Rs.3,000.
  • Hospital Cash: Benefit will be paid at the rate of Rs.1000/- per day of hospitalization subject to a maximum of 14 days, where the treatment is taken in Government Hospital. This will be paid only for covered surgeries done as in-patient, whether any claim is made on indemnity basis or not. Payment of claim under hospital cash benefit will not reduce the Sum Insured. With this, the effective maximum claimable amount becomes Rs.1,14,000.

2. Star Comprehensive Insurance Policy: This policy offers wide coverage with lot of additional features for the entire family under a single sum insured.

Benefits: 

  1. Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
  2. Ambulance charges for emergency transportation to hospital as per specified limits
  3. Pre-Hospitalization expenses up to 30 days prior to admission in the hospital
  4. Post Hospitalization expenses up to 60 days after discharge from the hospital
  5. 101 Day-care treatments covered

3. Family Health Optima Insurance Plan: This plan Optima from Star Health is a health insurance plan that gives protection for the entire family on the payment of a single premium under a single sum insured.

Benefits:

  1. Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges.
  2. Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Anesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemaker, Cost of Medicine and drugs etc.
  3. Ambulance charges for emergency transportation up to a sum of Rs.750 per hospitalization and overall limit of Rs.1500 per policy period.
  4. Pre Hospitalization expenses up to 60 days prior to admission in the hospital.
  5. Post Hospitalization expenses up to 90 days after discharge from the hospital.

4. Mediclassic Insurance Policy (Individual): Star Health’s, this policy provides for reimbursement of hospitalization expenses incurred as a result of illness and disease and sickness.

Benefits:

  1. Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
  2. Ambulance charges for emergency transportation to hospital as per specified limits
  3. Pre-Hospitalization expenses up to 30 days prior to admission in the hospital
  4. Post Hospitalization expenses up to 60 days after discharge from the hospital
  5. 101 Day-care treatments covered

5. Senior Citizens Red Carpet Health Insurance Policy: This is India’s first health insurance policy aimed at senior citizens. It provides cover for anyone over the age of 60.

Benefits:

  1. Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs up to the limits specified.
  2. Ambulance charges for emergency transportation to hospital as per specified limits.
  3. Post-hospitalization paid as lump-sum up to the limit specified.
  4. Specific day-care procedures covered.
  5. Sub-limits applicable for specified illness.
  6. Co-Payment: 30% for other than claims for Pre-Existing Diseases and 50% for Pre-Existing Diseases claims.

6. Super Surplus Insurance Policy: Star Health brings you Super Surplus Insurance which offers coverage much larger than the ones offered by basic plans.

Benefits:

  1. Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
  2. A deductible as opted is applicable for each and every hospitalization.

7. Star Health Gain Insurance Policy: This is the policy just for you with the perfect balance between insurance and tax benefit.

Benefits:

  1. Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
  2. Ambulance charges for emergency transportation to hospital as per specified limits.
  3. Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
  4. Post-hospitalization paid as lump-sum up to the limit specified.
  5. Specific day-care procedures covered.

8. Star Criticare Plus Insurance Policy: Star Health’s, this policy aims to provide reimbursement of hospitalization expenses incurred as a result of illness and disease and sickness.

Benefits:

  1. Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
  2. Ambulance charges for emergency transportation to hospital as per specified limits.
  3. Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
  4. Post-hospitalization paid as lump-sum up to the limit specified.
  5. Specific day-care procedures covered.

9. Star Cardiac Care Insurance Policy: The trauma of a heart surgery and the associated financial burden is best known to persons who have undergone one.

Benefits:

  1. Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
  2. Ambulance charges for emergency transportation to hospital as per specified limits
  3. Pre-Hospitalization expenses up to 30 days prior to admission in the hospital
  4. Post-hospitalization paid as lump-sum up to the limit specified
  5. 101 Day-care treatments covered

10. Star Unique Health Insurance Policy: Star Health brings you this unique insurance policy with unique benefits for coverage for both future ailments and diseases and for pre existing diseases and conditions.

Benefits:

  1. Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
  2. Ambulance charges for emergency transportation to hospital as per specified limits
  3. Pre-Hospitalization expenses up to 30 days prior to admission in the hospital
  4. Post Hospitalization expenses up to 60 days after discharge from the hospital
  5. Specific day-care procedures covered

11. Star Wedding Gift Insurance: The comforts and luxuries of today’s life come at a price the price of uncertainties.

Benefits: 

  1. Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
  2. Ambulance charges for emergency transportation to hospital as per specified limits
  3. Pre-Hospitalization expenses up to 30 days prior to admission in the hospital
  4. Post Hospitalization expenses up to 60 days after discharge from the hospital
  5. Specific day-care procedures covered

12. Diabetes Safe Insurance Policy: This policy helps those people who affected by Diabetes Mellitus Type II and offers insurance protection for treating most commonly occurring complications

Benefits:

  1. Covering any complications of Diabetes from day one.
  2. Also provide regular hospitalization cover for all other ailments/injuries
  3. Pre-Hospitalization expenses up to 30 days prior to admission in the hospital
  4. Post-hospitalization paid as lump-sum up to the limit specified

13. Star Family Delite Insurance Policy: Star Health offers optimum coverage at affordable cost for the entire family on a floater basis under one single sum insured.

Benefits: 

  1. Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
  2. Ambulance charges for emergency transportation to hospital as per specified limits.
  3. Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
  4. Post-hospitalization paid as lump-sum up to the limit specified.
  5. Specific day-care procedures covered.
  6. Specified Diseases are covered upto the specified limits

14. Star Netplus: This policy makes specifically for those people who diagnosed as HIV positive.

This is a special policy from Star health to extend a protective arm to socially isolated persons often disowned by their family members. This HIV insurance policy fills the gap where all other policies and insurers treat as exclusion.

Here we are providing whole information about Star Health Insurance Plans and Policies and their benefits but if you want more information then you can visit – http://www.starhealth.in/.

Do not Forget to comment below and share your views.

NOTE- We will be posting Reviews of Star health Insurance company very soon.