What are the pros and cons of buying health insurance online as compared to buying it from an agent offline?

I know one has to pay a commission to the agent for the advice he/she may give. But if I have decided on a policy already and want to buy it, are there any other benefits to still go with the agent?

Hi,

This question is for Mr. Shailesh Kumar from Insurance Samadhan.

I have purchased a policy for my father and made my sister proposer since she pays the premium & needs tax benefit. The email id & phone number linked mentioned in this policy is mine and not of my sister since I live with my father and take care of him as my sister is married. I took this policy before my sister's marriage. In this policy the postal address is ours.

Questions:-

1) If I purchase a new policy for my self using same email and phone number, will it create any problem as on same number and email there will be 2 policies - in one proposer is my sister and in one proposer is me. Can insurance company say how same phone and email is linked to two policies with different proposers and reject claim.

2) if my sister purchases a policy for herself and her husband from same company and uses different email address and phone then will be there any problem as now under her name she will be proposer in two policies one for her family and other for our father and both policies will have different phone number, email address. Also my sister will put postal address of in laws in her policy so both the policies wil have different postal address. So can this lead to claim rejection?

If someone has Oriental insurance- Family Floater Health policy as well as top-up health cover from oriental insurance and wants to voluntarily donate a kidney to a close relative. How should he proceed with the insurance company? What are the implications on his future insurance premium and renewal as well as claim acceptance if he acquires medical issues during the transplant or afterwards as a result of the transplant .

Hello,

First of all, thanks for running this community. I am planning to take a family floater health insurance policy for myself, my wife and my daughter. Few things that I am looking for is no capping on the room rent and the restoration benefit.

The two policy that stood out were Niva Bupa Reassure and HDFC Ergo Optima Restore. Now I am bit confused towards Niva Bupa due to their negative reviews online though it sounds better on paper than HDFC Ergo.

Does anyone have any views or suggestions for me. There are few more questions that I’ll ask later.

Thanks in advance

Hello. Could you suggest the available maternity policies, with minimal waiting period? I understand most of the health insurance policies do not provide maternity coverage.

Hello , I have been diagnosed with Avascular Necrosis Post Covid complications which falls under Permanently Excluded Disease by IRDAI

My question is can i get a health insurance now , I’m ready to wait for 2-3 years which is the waiting period and which company will give me health insurance . Thanks in Advance

Hi, I wanted to know which policy to go for if wanted to cover the cost of disability due to accident? is ICICI good?

Can hospital charge treatment monitoring charges two times in maternity, one for mother and for baby same charges repeated again. This has happened me with cashless treatment. Can I claim this from hospital ?

Which to choose? A combination of super top up of 25 lakhs with 5 lakh deductible and a base plan with 5 lakh cover ? or a single policy with 25 lakhs cover ? why is the first combination priced cheaper ?

Hi Team, I purchased my 1st policy in 2013 worth 5 lakh and after continous 5 Years renewal I ported my policy to different insurance company. During porting I increased my sum insured to 10 lakhs. My question is that:-

1)I have paid contnious premiums for 9 years whixh includes 5 years with previous insured and 4 years with the new insurer after porting, so does mortarium period is applicable for 5 lakh sum insured of my ported policy as well? In short is moratorium applicable to ported policies also?

2) Also, after moratorium period is over, can health claim still be rejected on non disclosure of pre existing disease.

. 3) Also in claim form, is it compulsory to put details about other health insurane policy? What if I dont disclose about my other health insurance policy information?