Health Insurance Plans - Buy and Compare it Online | 5 Paisa Insurance

Health Insurance - Compare And Buy The Best Plans Online

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Benefits of Health Insurance

Benefits of Health Insurance Plan –Tension Free Life

Ensures a
tension-free life

Benefits of Health Insurance Plan – Secured Savings

Your Saving
are secured

Benefits of Health Insurance Plan – Avail Tax

Avail Tax

Benefits of Health Insurance Plan – Cashless


Why is it preferable to buy health Insurance online?

Cost Effective

The premium is comparatively lower when you buy a policy online as it is a direct transaction between the buyer and the seller. You save on the commission and other operational costs while buying a policy online.


Buying a policy online ensures transparency as one can check the credibility of the insurers and the claim settlement ratio from the regulator’s website.

Multiple Options

An online policy helps you compare features on different platforms and helps you take a decision based on accurate information.

Instant Issuance

When you buy an insurance policy online, the policy is issued to you instantly and you get the policy documents on your registered email id as soon as the payment is made.

How do I choose the best Insurance Company


Research a bit about the insurance company in terms of their market share, claim-settlement ratio and the time they take to issue your insurance policy.


Go through the policy brochure and check the inclusions of the policy. Check the waiting period for pregnancy and pre-existing diseases. Compare the policy with other policies and choose the policy which offers the minimum waiting period.


The policy which you choose should be worth the money. The policy should be such that it is able to cover maximum expenses during the time of hospitalisation.

Wider Coverage

Your policy should be able to provide you a wider coverage in terms of medical benefits.

Frequently Asked Questions

  • Should I buy one plan which covers everyone from my parents to my wife and kids?

    It is recommended to buy two different policies for your parents and for your spouse and kids. This will help you save on the premium.
  • How much health insurance do I need?

    The amount of your sum insured depends on your age and medical history. It also depends on the number of dependents you wish to cover.
  • Is the new born child covered under the policy?

    The cover for the new born child varies according to the insurance company. Some insurers cover the new born child from day one of his birth, while some insurers cover the child after a couple of months.
  • Pre-existing disease in case of senior citizens

    Recently, insurance companies have launched products that are tailor made for Senior Citizen Plans. For eg, Star Health Red Carpet plan and Religare Care Freedom to name a few. These plans offer to cover pre-existing illnesses after a very short waiting period of 1 to 2 years. However, these plans also have an element of co-payment, which means that you will have to bear a certain percentage of the claim amount.
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