Health Insurance

What is Health Insurance?

Health Insurance is a type of insurance that offers medical coverage to the policyholder for medical expenses incurred in case of a health emergency arising out of sickness or injury. A health insurance plan chosen by the insured provides coverage for different medical expenses including surgical, day-care, and critical illness etc.

Do I Really Need a Health Insurance Plan?

Yes. You must have the best health insurance plan as a financial backup to afford quality medical treatment at any point in your life. Medical inflation is increasing everyday making treatments expensive. Besides, a sedentary lifestyle has led to a rise in lifestyle diseases whose treatments are time-taking and are a cause of 61% of hospitalizations. Take a look at some of the reasons why you must buy a health insurance plan:

• Beat Medical Inflation - A health insurance policy can help you pay your medical bills, including pre and post-hospitalization expenses, today as well as in future despite the rising medical costs.
• Afford Quality Medical Treatment - It helps you to afford the best quality medical treatment and care so that you can focus only on getting cured.
• Fight Lifestyle Diseases - It allows you to pay for the long-term treatment of lifestyle diseases like cancer, heart attack, etc. that have been on the rise with the changing lifestyles.
• Protect Your Savings - It helps you to protect your hard-earned savings by covering your medical expenses so that you can avail the required treatment without worrying about your finances.
• Avail Cashless Hospitalization Facility - It allows you to obtain a cashless hospitalization facility at any of the network hospitals of your insurance provider.
• Get Tax Benefits - It enables you to save tax on the health insurance premium that you’ve paid under section 80D of the Income Tax Act.
• Ensure Peace of Mind - It allows you to obtain medical treatment with peace of mind as you do not have to worry about paying the hefty hospital bills.

What are the Key Benefits of Health Insurance Plans?

Health insurance plans provide comprehensive coverage to you and your family against a variety of medical expenses. Here are the key benefits of buying the best health insurance plan:

• Hospitalization Expenses - Health insurance plans cover the medical expenses incurred on getting admitted to a hospital for more than 24 hours. It includes room rent, doctor’s fee, medicine cost, diagnostic test fees, etc.
• Pre & Post Hospitalization Expenses - It covers the medical expenses that you may have incurred on an illness before getting hospitalized as well as follow-up treatment expenses incurred after getting discharged. The pre-hospitalization and post-hospitalization expenses are covered up to a fixed number of days as specified in the policy document.
• ICU Charges - A health insurance policy also covers the cost of availing treatment in an ICU or Intensive Care Unit during hospitalization.
• Ambulance Cost - It covers the cost of ambulance services availed to reach the nearest hospital during a medical emergency.
• Cashless Treatments - All health insurance providers in India offer cashless treatment facilities at their network hospitals. You do not have to worry about arranging money to pay the hospital bills if you get admitted to a network hospital as it will be settled by your insurer.
• Day Care Procedures - It also covers the cost of availing day care treatment that requires hospitalization for less than 24 hours.
• Pre-existing Diseases - The best health insurance policy also provides coverage for pre-existing diseases after you have completed the waiting period. Usually, pre-existing diseases are covered after a waiting period of 2 to 4 years.
• AYUSH Treatment - It covers the cost of availing medical treatment through AYUSH school of medicines that includes Ayurveda, Unani, Homeopathy, Siddha and Yoga.
• Medical Check-ups - Most health insurance companies offer free preventive health check-up facilities at regular intervals depending on the policy terms and conditions.

Best Health Insurance Plans in India

We at Policybazaar can help you to buy a best health insurance plan that suits your requirement below is the list of health insurance plans with the top Insurers. You can do the comparison and find the best health plan for your family.

Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

Types of Health Insurance Plans

Health Insurance for Family

Family health insurance offers insurance coverage to entire family against a single premium. Under this health plan, a defined sum insured is divided among the members equally, which can be claimed by one or more family members during the policy term.

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Health Insurance for Senior Citizens

Senior Citizen health insurance plans offer insurance coverage to the age group of 60 years and above. The health insurance plan covers hospitalization expenses like in-patient, pre and post-hospitalization expenses, OPD expenses, Daycare procedures with tax-saving benefits.

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Health Insurance for Critical Illness

Critical illness health insurance plans offer a lump sum amount in case the insured is diagnosed with a critical illness such as kidney failure, paralysis, cancer, heart attack, etc. Usually brought as a standalone policy or as a rider, the sum insured is pre-defined

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Health Insurance for Parents

Health insurance for aging parents refers to the senior citizen health plans that are designed for elderly people above the age of 60 years. It is essential for aging parents as they are more vulnerable to health risks like heart ailments, kidney ailments, and other critical illnesses.

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Health Insurance for Coronavirus

Post COVID-19 outbreak, the IRDAI has also launched two Coronavirus specific health insurance plans i.e. Corona Kavach health plan and Corona Rakshak health insurance plan. Corona kavach is a family floater plan while Corona Rakshak is an individual coverage based plan.

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Health Insurance for Diabetic

Health insurance for diabetes covers hospitalization expenses for diabetic patients, who otherwise find it hard to get insurance cover. The policy can cover both Type 1 and Type 2 diabetes and related medical complications. Tax benefits on the premium can also be availed.

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Personal Accident Health Insurance

Personal accident insurance is a health policy that reimburses the medical costs incurred on hospitalization due to death or disability caused by an accident. The insurance company pays a certain amount as per the nature of the disability.

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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

Health Insurers

Aditya Birla Health Insurance

Bajaj Allianz Health Insurance

Bharti AXA Health Insurance

Care Health Insurance

Cholamandalam Health Insurance

Digit Health Insurance

Edelweiss Health Insurance

Future Generali Health Insurance

IFFCO Tokio Health Insurance

Kotak Mahindra Health Insurance

Liberty Health Insurance

ManipalCigna Health Insurance

Max Bupa Health Insurance

National Health Insurance

New India Health Insurance

Oriental Health Insurance

Raheja QBE Health Insurance

Reliance Health Insurance

Royal Sundaram Health Insurance

SBI Health Insurance

Star Health Insurance

Tata AIG Health Insurance

United India Health Insurance

Universal Sompo Health Insurance

Health Insurance Companies Expand

Health Insurance Inclusions

Health insurance inclusions refer to the coverage benefits that you can avail during the policy term. Here are some of the important health insurance inclusions that you should be aware of:

• In-patient Hospitalization Expenses-All the hospitalization expenses that are claimed by the policyholder are covered in case of hospitalization for more than 24 hours.
• Pre-existing Illnesses or Diseases- After the completion of the waiting period, you can file a claim for expenses incurred on treatment of any pre-existing illness or surgery.
• Pre and Post Hospitalization- Medical expenses incurred on blood tests, x-ray, and other medical checkups that are required before hospitalization, are also taken care of. The cost incurred on medicines, health check-ups that are done to ascertain the health of the patient after the discharge from the hospital, is covered under the health insurance plan
• Ambulance Charges-This amount varies from insurer to insurer, but generally, the mediclaim policy covers emergency ambulance charges.
• Maternity or Newborn- Delivery and pregnancy expenses incurred during hospitalization along with newborn baby expenses are covered as well.
• Health Check-ups- Annual health check-up facilities are also made available in some health insurance plans.
• Daycare Procedures-Daycare treatments where hospitalization is not required for more than 24 hours. It includes eye surgery, dialysis, and other common daycare surgeries as mentioned in the policy documents.
• Treatment availed at Home or Domiciliary Hospitalization Cover- It also covers the expenses incurred on getting medical treatment at home on the advice of the medical practitioner.
• Ayush Benefit: Health insurance also reimburses the medical costs incurred on Ayurveda, Unani, Siddha or Homeopathy treatment up to a specified limit.

Health Insurance Exclusions

Health Insurance exclusions refer to the medical conditions or expenses that are not covered under your medical insurance plan. It implies that your health insurer will not pay these expenses. Some of the most common exclusions that you must know are given below:

• Unless an accidental emergency, claims arising during the initial 30 days are not covered
• Coverage of critical illnesses and pre-existing diseases is subject to a waiting period of 2 to 4 years
• Injuries caused by war/terrorism/ nuclear activity/suicide attempts are excluded
• Terminal illnesses, AIDS, and other diseases of similar nature also make to the list of exclusion
• Cosmetic/plastic surgery, replacement of hormones, etc.
• Dental or eye surgery expenses
• Bed rest/hospitalization and rehabilitation, common illnesses, etc.
• Treatment/diagnostic tests, post-care procedures are not covered

Note: It is recommended to check your policy wordings to know the detailed list of exclusions.

What are the Factors to Consider before Buying Health Insurance Plans?

There are a few factors that you should consider closely to make the right decision:

• Caps and Sub-limits

  Caps and sub-limits are the thresholds set on various policy-covered expenses. If a health policy has impositions of co-payments, sub-limits, and other caps, this would mean that there will be a policy-stated coverage offered for various expenses. At times, the co-pay clause and caps help in reducing the premium of the plan. These, however, would alter the benefits in the long run. To make the most of your health insurance policy you must understand these factors before you pay for a health insurance plan.

• Claim settlement Record

  This is an important criterion to assess the credentials of an insurer. You should always go with a company with a good claim settlement record. Thus, you can ensure that your medical insurance claims would not be wrongly withheld. Always ask for the company’s claim settlement ratio before purchasing their health insurance plans and save yourself from unnecessary harassment in the future.

• Scope of Coverage

  Don’t buy a health insurance plan by just comparing health insurance premiums. Less cost does not necessarily mean a good medical insurance plan. On the contrary, such a health plan might not consider your coverage needs properly. Closely look at what the plan includes. Buying a comprehensive plan is a better option comes to your rescue when you need it the most.

• Renewability

  It is important to see how many years the plan proposes to protect you. Mediclaim policies are usually annual contracts. Once the policy term ends, in order to continue the insurance coverage, the insured has to pay the insurance premium. This recurring process is called health insurance renewal. The policy should be renewed continuously, because if there is a break, then, the person will lose the benefits of medical insurance.

• Cashless Hospital Network

  Check if a hospital around you is included by the medical insurance company you are considering to buy the plan from. You and your family won’t be required to run around collecting documents and filling reimbursements. The provider or its Third Party Administrator should have a tie-up with a range of network hospitals. The insured can get admitted to any of these nursing homes/network hospitals without paying anything from the pocket. However, cashless claim settlement is subjected to limits and sub-limits, which, in turn, are subjected to the sum assured of the medical insurance policy.

• Premium Loading

  Premium Loading refers to the increase in standard premium applicable when the medical insurance company perceives a person to be more at risk (of claiming the insurance) in comparison to others. It is strongly recommended that you check the terms and conditions pertaining to premium loading. This will save you from paying an extra premium after making a medical insurance claim. This aspect, though ignored in the beginning, usually becomes a bone of discontentment later.

• Internal Claim Settlement Team

  Check the health insurance plans from insurers that have a dedicated internal claim settlement team. This expedites the claim settlement process. Most of the medical insurance players use a third-party administrator to process the claims and do the paperwork. Even though most of these Administrators provide great services, the fact that they are a third-party slows down the process. There are certain rules and regulations to be followed when an administrator processes a medical insurance claim before it is handed over to the medical insurance company, which in-turn affects the turnaround time.

• Members Included

  Everyone has a different family size, so you should always look for the family size allowed under the medical insurance plan before purchasing it. If you are in your late 20s and your parents already have a health insurance cover, then purchasing insurance only for yourself does make sense. Alternatively, if you are married with or without kids and have dependent parents, parents-in-law, siblings, etc., then a family health insurance plan is best for you. Checking the premium cost, family size covered, critical illnesses or other benefits will ensure that you are able to purchase the plan you need.

• Health Insurance Portability

  It is wise to choose a health insurance company that offers health insurance portability. Earlier, policyholders had to stick to a policy just to retain the advantage. Now, you are allowed to switch from one insurance company to another without losing the waiting period advantages earned in your current policy. Moreover, with the insurance landscape changing so regularly, insurance providers regularly come up with better policies and it may make sense to opt for health insurance policy portability.

  Although health insurance portability is free, some companies may charge you a certain fee if you are to port out of their plans to those of some other players. Therefore, make sure you do not pay any charges for medical insurance portability. Health insurance portability is a good thing to check when you are finding the best health insurance plan.

• Restore Benefit

  With the 'restore benefit' facility in your health care plan, you can restore your basic sum assured in case you have already spent the same or the multiplier advantage during your policy tenure. Mostly, the benefit cannot be obtained on the same ailment if you have exhausted the existing sum limit.
  Restoration assistance proves to be helpful for a family floater health plan, where if the entire sum assured is used in the treatment of only a single family member, the other members are not left uncovered. In such a case, the other family members can avail policy coverage for the illness other than the one for which the expenses have already been compensated by the insurer.
  Well, while finalizing your health insurance plan, you should consider other important factors such as waiting period, sub-limit, claim settlement procedures, etc. You can replace restore benefit with a super top-up plan at an affordable price. Moreover, top-up health insurance plans are more comprehensive since they come with few or no restrictions.

• Top up Health Insurance Plans

  With the rise of medical inflation, it is prudent to increase the medical insurance coverage amount. But, not all can afford it due to the high cost of the premium. This is where a top-up medical insurance plan comes into the picture. A top up health plan reduces the deductibles cost i.e. the portion of a claim you pay willingly for the damages before the insurer compensates the rest or up to the sum assured. With a top up medical policy, you don’t pay until a hospital breaks its defined limit. A top up plan is considered far cheaper than a standalone medical insurance policy.
  For instance, if the medical bill is Rs. 6 lakhs with a deductible of Rs. 2 lakhs, you are required to pay only the latter amount and the remaining 4 lakhs will be paid by the insurer. But, you can utilize your health policy to pay the liable amount. Again, the blending of a top-up plan with a medical cover is helpful as the premium you pay is much more affordable than an individual health plan. For example, if you pay 6,500 as a premium for Rs. 5 lakh regular cover, a top up coverage of Rs. 15 lakh will entail an additional premium of 5,000, which is anyhow cheaper than a separate policy.

• Waiting Period

  As per the medical insurance norms, every insured must serve a defined waiting period to get coverage for any pre-existing illness. It is usually a 30-day period from the day your health insurance plan is initiated. If any claim falls during the waiting period, the insurer has the right to reject the claim for any hospitalisation, except in the case of an emergency. A hospitalisation that arises out of an accident can be registered as a claim and the insurer will compensate for the hospitalisation cost. However, the insured is not required to serve the waiting period for subsequent years.

• Co-Payment

  Medical insurance plans offer a co-payment option that pre-defines the voluntary deductibles, which have to be borne by the insured. So, in the event of a medical exigency, some amount is paid by the insured and the rest, by the provider. The co-payment option does not have any effect on the sum insured. It allows you to reduce your premium to a certain extent (subject to the insurer and insurance policy).

• Room Rent Sub-limits

  A health insurance plan may have various sub-limits associated with it; room rent is one of those sub-limits. Once the insured is hospitalized the sub-limit on room rent coverage is applicable on a per day basis. For instance, if your medical insurance policy covers your daily room rent up to a maximum of Rs 3,000 and your room cost incurred is Rs 5,000 per day, then you will have to pay the remaining Rs 2,000 from your own pocket.

Does Your Health Insurance Policy Cover Coronavirus (COVID-19) Treatment?

Yes, your existing health insurance policy covers the cost of COVID-19 treatment. Several health insurers and general insurers have already launched health insurance plans for coronavirus that cover the expense of treatment of coronavirus. After the IRDA guidelines, two special standard health insurance products, namely Corona Kavach policy and Corona Rakshak policy were launched and are being purchased by a lot of people already. Lets’ check out how these two COVID insurance products and how they are different from basic health plans.

• Corona Kavach Policy

  It is an indemnity based health insurance plan that covers home treatment, and AYUSH treatment costs. The cost of masks, gloves, ventilators, oxygen cylinders, PPE kits, is also recompensed.

  Eligibility	Specification
  Entry Age	18-65 years
  Coverage Type	Individual/Family Floater
  Sum Insured ( Rs)	50,000-500,000
  Discount on Premium	5% for health workers and doctors

• Corona Rakshak Policy

  Corona Rakshak policy is a benefit based product that provides lump sum payment for hospitalization (minimum 72 hours) upon diagnosis of Coronavirus during the policy term. The minimum policy term is 3.5 months and maximum is 9.5 months.

  Eligibility	Specification
  Entry Age	18-65 years
  Coverage Type	Individual
  Sum Insured ( Rs)	50,000-2,50,000
  Discount on Premium	5% for health workers and doctors

Which Health Insurance Policy Should You Buy?

Health Insurance Eligibility Criteria

The eligibility criteria for health insurance depends on the age of the customer, pre-existing illnesses, current medical conditions, etc. For this reason a medical test is also conducted by the health insurance companies to find out if the applicant is going through some health diseases or not. In most of the mediclaim policies the following eligibility criterion needs to be met:

Age Criteria- Entry age for Adults: 18 to 65 years (70 and above, based on the plan and insurer). Entry age for Children: 90 days to 18 years and in some plans it is up to 25 years as well.

Pre-medical Screening- In most cases it is required for applicants above the age of 45 years, but it may vary depending on the insurer and the type of medical insurance plan. Most of the senior citizen health plans require pre-medical tests to check if the applicant meets the eligibility criteria for insurance cover or not. The criterion for individual and family floater health plans may vary as per the policy terms and conditions.

Pre-existing Diseases- When buying a health insurance policy you need to disclose about the health diseases that you have or any pre-exiting illness that you or your family members have. Do not keep it as a secret as it may cause problems at the time of claim settlement. It can even lead to rejection of you claims.

Most of the health insurers ask the applicant if they are going through any medical conditions like blood pressure, diabetes, cardiovascular diseases, kidney problems, and any other diseases. If you are a smoker or an alcoholic then also you need to disclose it to the insurer. Based on this the insurance company will decide if you are eligible to get medical cover or not.

If one insurer doesn’t offer then you can also check with another or a buy a specific health plan as per your medical conditions. Check the policy wordings for terms and conditions to have a better understating about the eligibility criteria.

Why Compare Health Insurance Plans?

It is vital that you compare health insurance quotes online in order to choose the best one to meet your healthcare needs. It can get confusing to select the best health insurance plan as so many insurers offer different health insurance products with varied features.

It is no wonder that sometimes, people end up with a plan that might cost less, but has contradictory clauses, and they practically get nothing when a claim is filed. On the other hand, you end up buying a health insurance plan with a higher cost just to find out later that it has features that you did not use or might never need.

Amid the increasing cost of treatment, a Health insurance policy prevents a medical emergency from turning into a financial emergency. It makes sure that one's healthcare needs are taken care of without depleting his/her savings or compromising on one's future goals.

Benefits of Comparing Health Insurance Plans Online

Due to tight and hectic schedules these days, it has become quite impossible to visit different offices or branches of different health insurers in order to compare various medical insurance policies.

Thankfully, Policybazaar understands the dilemma of the customers and hence, has offered a platform where you can compare different health insurance quotes online.

Enlisted below are some of the major advantages of buying a health insurance plan online:

• Access to Accurate Information:

  It offers easy access to every medical insurance policy available in the market. It also saves the buyers from dealing with the agents who are known to provide unreliable and biased information most of the time..

• Time Efficient and Convenient:

  By comparing health insurance plans online, the users are able to save their time as they don’t have to keep meeting with the agents to compare and choose the best plans. Additionally, several tasks, such as paying premiums, renewing the health insurance plans, etc., are also easier via online mode.

• Pocket-Friendly:

  If a customer buys a health plan via an online channel, he/she will be able to compare the premium and opt for the one that fits in the budget. Also, no brokerage or agent fees are levied and hence, the buyer ends up saving a significant amount of money.

• Availability of Provider/Plan Reviews:

  Doing so will help you get an overall idea of an insurer’s reputation, enabling you to make an informed decision.

Arogya Sanjeevani Policy: A Health Insurance for All

Arogya Sanjeevani is a standard health insurance policy that is provided by every health insurance company in India. Arogya Sanjeevani policy covers basic health insurance needs and is a good option for those who not have medical insurance cover, especially in smaller towns.

As mandated by the IRDAI, Arogya Sanjeevani policy provides coverage from Rs. 1 lakh to Rs. 5 lakhs, with a waiting period of just 30 days. However, the waiting period for specific diseases ranges from 24 months to 48 months, which depends on the illness as well.

Some Myths about Health Insurance

Before relying on the information it is imperative to check the facts and then buy a health insurance policy. Mentioned below are some popular myths that most people believe about medical policies:

• I am Healthy, and I Don't Need Medical Insurance

  Despite taking good care of your health, there are numerous unforeseen circumstances like seasonal illnesses, dengue, malaria, or an accident that can hit anyone anytime. Nowadays, hospitalization expenses are not easy to pay off. Even 2-days of hospitalization expenses would cost you somewhere between INR 60,000 to INR 1 lakh and even more (depending on the type of illness).

• My Health Insurance will Cover all the Medical Expenses

  As per the IRDAI regulations, all the health insurance plans come with a set of exclusions/limitations. It is required that you check all the policy details and the coverage that is mentioned in the plan. The insurer will only compensate for the expenses that are covered in the policy and up to the specified limit.

• Declaration of Pre-existing Diseases

  It is essential to declare all the pre-existing diseases in the proposal form. One must mention pre-existing diseases clearly before buying a health insurance policy. Inadequate information can lead to rejection of the claim and can cost more than the expected amount.

• Smokers are not Eligible to Buy a Health Insurance Plan

  As per the survey, nearly 49% of the applicants who consume alcohol are perplexed to buy a health insurance policy. But there are health insurance companies that offer medical insurance coverage to them as well. But taking into consideration the risks, alcohol consumers, and smokers would need to undergo a stringent pre-medical examination procedure and pay a higher premium to get health insurance coverage.

• Medical Insurance will only Cover Hospitalization Expenses

  Though most of the health insurance plans cover medical expenses for hospitalization more than 24-hours, there are plans that have a capping on the duration of hospitalization as well. But most of the insurers these days cover daycare procedure as well, where it is not required to be hospitalized for 24-hours. It includes cataract surgery, varicose veins surgery and similar medical procedures.

• I am Covered Under a Group or Corporate Health Insurance Plan!

  Most people rely on the health insurance plan that is provided by their employer. It is important to know that a group health insurance policy comes with a set of limitations. It will not offer coverage to your family members in most of the cases, the sum assured will not be sufficient, it will not cover critical illnesses. Also, getting health insurance coverage after retirement or losing a job can prove to be an expensive affair.

How to Calculate Health Insurance Premium?

In order to keep the policy in force, regular payment of a fixed premium is essential. Did you ever think about how this premium is calculated? There are certain factors that affect health insurance premium such as the medical background of your family, your personal medical history and so on.

Based on that, you might want to calculate your premium to figure out how much you would have to pay for the policy. It can be done through a health insurance premium calculator. Premium calculator is an online tool that calculates the premium to be paid as per the information provided by you. At Policybazaar.com, you can calculate your health insurance premium easily.

What is the Procedure of Health Insurance Claim?

Documents Required for Health Insurance Claim Reimbursement

In the event of hospitalization, the policyholder needs to submit certain documents as mentioned below:

• Discharge card issued by the hospital/network hospital
• In-patient hospitalization bills signed by insured for authenticity
• Doctors’ prescriptions and medical store bills
• Claim-form with insured’s signature on it
• Valid investigation report
• Consumables and disposables prescribed by the doctors with complete details
• Bills of doctors’ consultation
• Copies of the Insurance policy from the previous year and the current year/copy of ID Card of TPA
• Any other document(s) asked by the TPA

Buy Top Health Insurance Plans Online from Policybazaar

Buying health insurance can be easy if you approach the right channel. Having said this, Policybazaar.com can be a good platform for choosing the right insurance policy. Policybazaar has made the process of comparing & buying a health insurance policy easier in comparison to earlier days. One has easy access to the complete details of almost all the health insurance plans available in the Indian insurance market at a competitive price.

Policybazaar helps you sieve through numerous mediclaim and health insurance plans and zero down on the one that measures up to your needs. Moreover, the post-sale services are extended to the customers online as well even at the time of medical insurance claim.

Steps to Buy Health Insurance Plan Online from Policybazaar

To get insured from the comfort of your home, you can buy health insurance online from Policybazaar. No medicals are required and the steps to buy medical insurance are listed below:

Step 1- Select Male/Female and enter your full name

Step 2- Enter your correct phone number, and click on view plans and select your age

Step 3- Click on continue and your city where you are living in and the pin code

Step 4- Click on Yes or No if you take any medications

Step 5- Select the best health insurance plan from the options that are displayed. Choose ‘Get Free Advice’ if you want suggestions or help

Step 6- Select and compare the different health insurance plans on Policybazaar. You can choose the personalized plans options as well

Step 7- Once the plan is selected you can pay the premium or speak to our customer care representative to take your through different options

Step 8- Make an informed decision and pay the premium. Once all the steps are completed, the policy will be emailed on your registered email-id

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