With travel expenses increasing in our day to day life, the benefit of getting things done online is where technology has added an advantage to our lives. So to buying an insurance policies/plan and settling an insurance claim online has helped us from incurring unnecessary expenditure.
Now why buy an insurance policy online? This is because it saves the time of running after an agent to get a form manually and also processing the whole thing by your physical presence. Technology companies called ‘Lead Aggregators’ help us compare the plans of different companies and pass on our contacts to the insurance companies, who then service our purchase.
We can take the help of ‘online brokers’ who help us to choose and process the best plan. They are licensed by the government of India (IRDA). Once contacted they send the proposal form to fulfill the entire process. They however cannot help in processing claims.
This is done by another section of online brokers called ‘Specialized online brokers’. They provide integrated service to the customers, right from expert advisory service in selecting and buying the best mediclaim plans. Technology powered services and healthcare knowledge powered claims assistance. Such companies provide a one stop specialized service.
For those who do not have the time to speak to a policy seller in person can check and compare the quotes online which would save a lot of time.
More over one can avail easy comparison as the website of a dedicated insurance broker provides all the details on one page and the customer need not search different insurance company’s website to analyze the plans and coverage.
Health insurance claims can also be managed online through different online claim assistance provider.
The special features of this various online mediclaim websites are:
1. Encounters the patients’ data and submits claim online even before the patient leaves offices.
2. Accelerates payment from the insurance company.
3. Features Electronic Health Records.
4. Saves money on claim form.