No Room Rent Capping | No Medical Check-up up to 55yrs | Tax Benefit up to 75k | Buy Health Insurance starting @ ₹244 pm

What is Health Insurance?

A health insurance policy is a written agreement between a policyholder and an insurance company where the insurer provides financial coverage to the insured for medical expenses such as hospitalisation, surgical treatments, and other healthcare-related expenses. A typical medical insurance policy in India works in two different ways- Cashless health insurance and Reimbursement health insurance.

Why is Buying/Renewing Health Insurance Important?

 

A medical insurance policy is an important financial tool for a variety of different reasons. For instance, the best health insurance in India that has access to a wide range of network hospitals can offer the policyholder the quality treatment they need for any medical emergency. Here is a list of some important reasons why health insurance plans are a must:

  • Financial Security

Managing medical expenses is the top reason to buy medical insurance. Healthcare costs across the country have risen by a large margin over the past few years. With the best medical insurance, you will be able to financially deal with unforeseen health emergencies and treatments, and rest assured that healthcare costs will not eat away your entire savings.

  • Rising Health Issues

While prevention is better than cure, one should always be prepared for emergencies. Hectic work schedules and unhealthy eating habits have led to an increase in diabetes and cardiovascular-related illnesses. The best medical insurance plan will ensure that you can get the best treatment for any health conditions at reputable hospitals.

  • Tax Benefits

Buying medical insurance in India also provides tax benefits to the policyholders, as they can claim maximum tax deductions of up to ₹75,000 as premiums paid for health insurance plans under Section 80D of the Income Tax Act, 1961.

  • Coverage for Self and Family Members

Health emergencies can arise anytime and anywhere. With family health insurance plans, you can get the best treatment for yourself as well as your loved ones, all under a single policy and save money at the same time.

  • Extent of Coverage

Most health insurance companies offer their customers the choice to choose the extent of financial cover they require. The cost of the insurance premiums also depends on the amount of coverage selected. This allows people from all financial backgrounds to get the level of coverage that they are comfortable paying for.

 

  • Add-on Covers

When you buy health insurance, you also have the choice to buy add-on covers on top of your health policy. These add-on covers offer specific coverages such as personal accident cover, room rent waiver, critical illness cover, etc. You can choose and purchase the specific add-on covers that you may need to enhance your health insurance plans. 

 

Under cashless health insurance, you can directly go to a network hospital affiliated with your insurer and get medical treatment for no cost. The hospital directly settles the treatment bills with your insurer. Under a reimbursement policy, you pay for the treatment out of pocket and then get the medical expenses reimbursed from your insurer. Now that you understand the meaning of health insurance, let’s take a look at the various components of a health policy in detail.

Best Health Insurance Plans in India for 2022 on Bajaj MARKETS

Check out the best health insurance options available on Bajaj MARKETS from different insurance companies like Bajaj Health Insurance, Aditya Birla Health Insurance, and Care Health Insurance: 

Plans Available

Hospitalisation Cover

Starting Rate of Premiums

Check Plans

Bajaj Allianz Health Guard Gold

Rs. 3 Lakh to Rs. 50 Lakh

Rs. 4171

Bajaj Allianz Extra Care

Rs. 3 Lakh to Rs. 50 Lakh

Rs. 2194

Aditya Birla Activ Assure Diamond Plan

Rs. 3 Lakh to Rs. 50 Lakh

Rs. 3887

Care Health Insurance Plan

Rs. 4 Lakh to Rs. 50 Lakh

Rs. 5277

Disclaimer: Premiums rates mentioned above for the above health insurance plans are not constant and subject to change over time. 

Types of Health Insurance Plans

Understanding the types of health insurance plans and their features will help you make the right choice when buying a health plan for yourself:

Individual Health Insurance Plans

Medical emergencies may strike and catch you off-guard anytime. This is why it becomes critical for you to secure yourself with an Individual Health Insurance plan. This plan is designed to offer adequate coverage for medical treatment, to deal with such emergencies or unforeseen risks. With benefits like cashless treatments, pre and post hospitalisation expense coverage, cover of day care treatments and more, the individual health insurance plan is a great choice.

 

Moreover, when it comes to buying medical insurance, it is recommended that you buy the plan when you are young. This is because the premium payable is comparatively less when one is young, and the benefits to be reaped by the policyholder over the long run are very attractive. Hence, millennials should definitely consider buying individual health insurance.

 

Family Health Insurance Plans

When it is about our loved ones, we always want to go for the best treatment, especially when it comes to securing their health. While you can definitely go for individual health insurance plans for each of the family members, family health insurance seems a better choice.

 

With this plan, a defined sum insured coverage amount is split among the family members for treatment costs. Being a single plan that offers coverage for the entire family, you need to pay a single premium amount, making it a cost-effective choice.

 

Senior Citizen Health Insurance Plans

Senior citizen health insurance plans are specifically desired for people above the age of 60 years. You can buy the policy for your parents or in-laws. It usually covers a wide range of critical illnesses, pre- and post-hospitalisation treatment, in-patient costs, daycare procedures, and more. Besides, if you have a senior citizen health insurance plan for your parents, you can claim tax deductions under Section 80D of the Income Tax Act, 1961.

 

Top-Up Health Insurance Plans

In case you have already purchased a health insurance plan with lower coverage but wish to increase the coverage limit in the future, the most cost-efficient way to do it is by getting a health insurance top up plan. Top-up health insurance is a very valuable add-on that can help you extend your total coverage amount by a large margin while you only pay a small portion of the original cost of the health plan.

 

Group Health Insurance Plans

Offering group health insurance is one of the perks that employers offer their employees these days. Just like any other health insurance policy, the group health insurance plans offer coverage for medical treatment costs and more.

Buy/Renew Health Insurance Plans Online

A large number of services have moved online over the past few years. Now, you have the option of buying or renewing your medical insurance while sitting in the comfort of your home:

Steps to Buy Health Insurance Online

Step 1: Head on to the health insurance page of the insurance company that you wish to purchase your plan from.

 

Step 2: Provide the necessary details about whom you wish to insure, along with your personal information.

 

Step 3: Pick from the list of available health insurance plans. You can also enhance your coverage by selecting the add-on covers.

 

Step 4: Upload the necessary documents and make your health insurance premium payment online.

 

Step 5: And that’s it! Your policy will be emailed to you shortly.

Steps for Health Insurance Renewal Online

Health insurance renewal online in India is just as easy as buying a new plan. Check out the simple steps given below:

 

Step 1: On the main health insurance page of the insurer of your choice, click on the type of health insurance plan you wish to renew, i.e., individual, family, or top-up.

 

Step 2: Now, click on the ‘Renew Plan’ option that shows up on the screen.

 

Step 3: Enter your existing policy details on the page along with other necessary details and check the renewal quote.

 

Step 4: Upload the necessary documents and make your renewal premium payment.

 

Step 5: Your plan will be renewed shortly and details will be sent to your registered email. 

Why Choose Bajaj MARKETS for Your Health Insurance Policy

Trusted Partner

With a customer base of 100+ million across the country, Bajaj MARKETS is dedicated to serve you better. Go on and choose us as your financial partner, today!

Hassle-free Claim Settlement

With cashless claims across a wide network of hospitals and a claim settlement ratio to vouch for, health insurance partners at Bajaj MARKETS provide you with a quick & convenient claim settlement experience.

Customised Health Insurance Plans

With a choice of beneficial add-on covers, health insurance plans on Bajaj MARKETS offers customization like no other!

Extensive Coverage

With a huge network of hospitals across India and plans that offer medical coverage from 1.5 lakh to 2 Crore, why look elsewhere?

How to Calculate Health Insurance Premiums Online in India 2022

Calculating the insurance premiums you will have to pay for any plan is really easy with the help of a health insurance premium calculator. All you need to do is enter relevant information like your age, gender, weight, location, amount of coverage needed and other necessary data. The premium calculator uses your data to provide an accurate estimate of the amount you will need to pay in the form of health insurance premiums. 

Factors Affecting Health Insurance Premiums

Your Age

Your health insurance premium increase with age. This is because, insurers believe that with the increasing age, you are more vulnerable towards health concerns thereby increasing the probability of you filing a claim

Area You Reside in

Typically, insurance companies calculate your health insurance premium on the basis of your location too. Factors like severe weather conditions, deprivation of healthy food alternatives, distaste to exercise, etc. can have an impact on premiums charged

Pre-existing Health Issues

With a greater probability of filing a claim, insurers take the pre-existing disease factor into consideration while determining your premium. Anyone with a pre-existing disease is likely to pay a higher premium too

Type of Plan

Your medical insurance premium also depends on the plan you select. Premium amount differs with regards to differ plans, Individual, Family, or Top-up health insurance

Customized Add-on Covers

If you have opted for an additional cover to enhance your medical coverage, you are supposed to pay an additional premium amount, thus increasing the overall premium against the plan

Duration of Policy

The premiums for short-term policies are generally on the higher end. In contrast, the premiums for long term health insurance plans (more than 3 years), are generally lower than premiums for shorter plans.

Lifestyle Habits

People who have a habit of smoking or drinking alcohol usually have to pay higher premiums compared to people who do not smoke or drink and are in perfect health. Some insurance companies may even reject candidates who smoke or drink excessively.

Inclusions and Exclusions of Health Insurance

Inclusions refer to the variety of diseases and medical conditions for which the treatment/hospitalisation costs are covered by the health insurance policy. On the other hand, exclusions are those medical conditions or situations for which the health insurance policy does not provide any coverage for medical treatments. Let’s take a look at the common inclusions and exclusions under medical insurance in India.

 

Inclusions

  • Pre & Post Hospitalisation

Coverage for treatment costs incurred during pre & post-hospitalisation procedures so you need not worry about your hospital bills.

 

  • Day-Care Procedures

Expenses incurred for day care treatment and procedures that require short-term hospitalisation are also covered.

 

  • Organ Donor Expenses

Expensive organ donation procedure treatments are taken care of by health insurance plans.

 

  • Daily Hospital Cash

The daily hospital cash benefit takes off the burden of the sudden hospitalisation expenses, so you need not face the last minute hassle of arranging additional cash.

 

  • Road Ambulance Cover

Avoid an unexpected ambulance bill while you go to or return from a hospital in times of an emergency with ambulance cover.

Exclusions

  • Pre-Existing Illnesses

Pre-existing diseases without the completion of the waiting period (which is typically 2-4 years) are not covered under the policy. However, check with your insurer for the same before raising any claim requests.

 

  • Injuries Due to Exceptional Scenarios

Treatment cost for injuries caused due to war-like scenarios, nuclear activity, suicide attempts, and terrorism is not covered.

 

  • Dental Procedures

Dental procedures unless arising due to an accidental injury are not covered.

 

  • Medical Conditions Caused Due to Drinking or Substance Abuse

Medical emergencies arising due to consumption of intoxicants and/or addictive substances like drugs, alcohol, etc. are not covered.

 

  • Injuries in Dangerous Activities

Injuries when participating in naval, military or air force operations or dangerous sports like racing and driving are not covered.

Tax Benefits of Health Insurance

Health insurance is one of the most powerful tax-planning instruments. With health insurance plans, you can avail several tax benefits under Section 80D of the Income Tax Act, 1961. Here’s a quick walkthrough of the same.

Description

Tax Deduction on Premiums for Self, Spouse and dependent children

Tax Deductions on Premiums for Parents

Persons below the age of 60 years (Section 80D, Income Tax Act,1961)

Up to ₹25,000

Up to ₹25,000

Senior citizens/People above the age of 60 years (Section 80D, Income Tax Act, 1961)

Up to ₹50,000

Up to ₹50,000

Note: The deduction for parents is over and above the maximum deduction allowed for an individual and his/her family.

 

Additional Deductions: You can claim an annual deduction of up to ₹5,000 on expenses incurred for health check-ups. This includes the check-up expenses of all members of a family – self, spouse, children and parents.

Health Insurance Claim Process

Understanding the claim settlement process is also important before you buy the best health insurance policy for you. Knowing your plan’s claim details is critical so that you can make the most of your medical coverage. Here’s how to file both cashless health insurance claims and reimbursement claims:

How to File Cashless Claims

Step 1: Visit your provider’s network hospital. Submit policy details and take the pre-authorisation form.

 

Step 2: The insurer verifies the form and the hospital is notified about the details of the policy.

 

Step 3: Once discharged, the hospital will send the bill along with discharge papers to the insurer.

 

Step 4: The claims are then directly settled with the hospital, after reducing the co-payment, if any.

How to Get a Claim Reimbursement

Step 1: Submit all original medical documents and hospital bills and insurance claim form to the insurer.

 

Step 2: The insurer evaluates the details and may ask for any additional information, if required.

 

Step 3: On receiving all the documents, your claim decision is made.

 

Step 4: You will receive the claim amount based on the policy terms and conditions.

Documents Required for Filing Insurance Claim

You will need to submit the following documents to the insurer in order to make a health insurance claim:

 

  • Duly filled the claim form

  • Medical Certificate

  • Original copy of hospital discharge summary or card

  • Prescription and cash invoice from pharmacies and the hospital

  • Investigation report by the doctor

  • FIR or Medico Legal Certificate (MLC), in case of an accident

Our Partners

  • Bajaj Allianz General Insurance Co. Ltd.

    With great expertise in the insurance sector, Bajaj Allianz General Insurance Co. brings to you, extensive insurance plans that are designed to fit your diverse needs. Their insurance expertise marrying Bajaj MARKETS' digital approach further offers you convenience, & great value for money!

  • Aditya Birla Health Insurance Co. Ltd.

    We understand your needs and priorities. When it comes to protecting your valued assets, health is always on the top of the list. That’s why we bring you, health insurance by Aditya Birla Health Insurance, only on Bajaj MARKETS. With an extensive product portfolio of unique offerings like incentivized wellness and critical care, you need not look any further.

  • Care Health Insurance Ltd.

    Staying healthy is not a choice! But health risks can knock at your door, anytime! Worried that such scenarios could put a burden on your pocket? Not anymore! With Care Health Insurance now available on Bajaj MARKETS, you can take care of your family's health, especially in times of need, without worrying about healthcare costs.

Latest Health Insurance News

Kashmir: Director of Health Services encourages citizens to take advantage of government health schemes 

According to a report, the Director of Health Services Kashmir (DHSK), Dr. Mushtaq Ahmad Rather urged the locals on Thursday to visit the Health Melas organised by the government at health blocks across Kashmir. In a press conference, the DHSK said that the Health Melas are being organised in collaboration with the Union Ministry of Health and Family Welfare. He also said that the Melas have been set up to provide health awareness, free check-ups, and other free healthcare services to the people. In these Health Melas, the authorities are stressing on Non-Communicable Diseases (NCDs) and promoting health programs like the National Program for Prevention of Diseases like cancer, diabetes, heart diseases, etc. 

- April 22, 2022

Bihar: State Government to offer annual health cover to poor families

The Bihar Government will offer a health insurance coverage of ₹5 lakh to poor families in the state who aren’t covered under the PMJAY scheme. On April 18, 2022, the Bihar State Cabinet approved the CMJAY or Mukhyamantri Jan Arogya Yojana which is expected to come into effect in May. The new health insurance cover to be introduced in Bihar will be similar to the PMJAY scheme where the beneficiaries will have a health card. As per the National Food Security Act, only 1.09 crore families are covered under the AB-PMJAY scheme whereas 89 lakh families are eligible for coverage but aren’t covered, yet.    

- April 21, 2022

Employer-sponsored medical insurance costs expected to rise by 15% in India

As per a new report, insurance companies expect the costs associated with employer-sponsored healthcare to rise by around 15% in 2022 in India. This makes India the region with the highest expected rise in costs in all of Asia. This rise in prices also marks a third consecutive year with a double-digit increase in prices since the beginning of the COVID-19 pandemic. As per the report, India had the highest medical inflation rate in Asia in 2021 at 14%, followed by China, Indonesia and Vietnam. 

-  March 19, 2022 

Health insurance companies take 20-46 days to settle claims: Report

As per a new report released by a news agency, health insurance providers take between 20-46 days on average to reimburse health insurance claims by patients, from the day of filing the claim. On the other hand, insurance providers take around 7-108 days to settle claims that are related to maternity. Moreover, around 13-26% of the claim amount is deducted by the insurers for reasons like ‘uncovered consumables and administrative expenses’. The report also mentioned that patients are very prompt in filing claims, as most patients inform their insurance providers of their intent to file a claim within a week of hospitalisation.

- April 17, 2022

FAQs for Health Insurance

  • ✔️How to increase health insurance coverage?

    One way you can increase your health insurance coverage is by buying a health insurance top-up plan.

  • ✔️Can I buy Bajaj health insurance plans online?

    Yes, you can buy Bajaj Health insurance plans and health insurance from other companies online.

  • ✔️Which is the best cashless mediclaim policy for families in India?

    If you are looking for the best cashless mediclaim family policies on Bajaj MARKETS, check out the plans offered by:

    • Bajaj Allianz Health Insurance

    • Care Health Insurance

    • Aditya Birla Health Insurance.

  • ✔️What is a health insurance policy and how to buy medical insurance online?

    A health insurance policy protects the policyholder against the financial costs of medical treatments and hospitalisations. You can buy medical insurance online at Bajaj MARKETS or from other reputed insurance companies and aggregators. 

  • ✔️What are the types of best health insurance plans in India?

    The best medical insurance plans come in many types:

    • Individual health insurance

    • Group health insurance

    • Top-up health insurance

    • Senior Citizens' health insurance

    • Family Health Plans

  • ✔️How to compare health insurance plans online?

    You can compare the best medical insurance online on the basis of important factors such as the price, the amount of coverage offered, inclusions and exclusions, reviews, the reputation of the insurer, etc, and then decide the best health insurance for you.

  • ✔️Are there any free government health insurance plans that I can opt for?

    The government has several state and national government healthcare schemes that you can apply for, such as:

    • Ayushman Bharat Scheme

    • Pradhan Mantri Suraksha Bima Yojana

    • Aam Aadmi Bima Yojana

    • Employee State Insurance Scheme

    • Rashtriya Swasthya Bima Yojana 

  • ✔️If I am young, fit and healthy, do I need health insurance?

    Yes, of course. Not just you, but your family too needs the best health insurance in India. Medical expenses are increasing significantly, and it is hence sensible to invest in a health insurance plan, irrespective of your age. 

  • ✔️What factors are considered while calculating my health insurance premiums?

    Your health insurance premiums mainly depend upon the following factors:

    • The type of cover chosen

    • Amount insured selected

    • Amount limit (if selected)

    • Add-ons you choose (optional covers).

  • ✔️What is covered under my medical insurance plan?

    Your health insurance plans will cover the pre and post-hospitalisation expenses. These expenses include:

     

    • In-hospital expenses, hospital room rent and boarding expense

    • Cashless treatment in-network hospitals across India

    • Charges for medical examination

    • Physician fees and doctor’s consultation fees

    • Charges for the ambulance

  • ✔️What are pre-existing diseases in a medical insurance plan?

    A pre-existing disease is any ailment or health condition for which you have been diagnosed or received medical advice/treatment before buying your first health insurance plan with the insurer. These could be anything ranging from blood pressure to diabetes to cancer to any other disease/ailment.

  • ✔️What is a waiting period?

    The waiting period in a medical insurance plan refers to the duration after which you can make a claim on your health insurance plan for a pre-existing medical condition or disease.

  • ✔️What is meant by a health card?

    A health card is a kind of identity card that comes along with your health insurance plan. This card will enable you to avail cashless hospitalisation facility at any of the network hospitals.

  • ✔️When should I do my health insurance renewal online process?

    It is best to finish the health insurance renewal online process before its expiry date. In the best medical insurance plans, insurers usually offer a grace period of 30 days (after the expiry date of the plan), within which you can renew the plan without having to apply afresh. However, it is suggested that you pay your renewal premium while your plan is still in force so that you can enjoy uninterrupted coverage.

  • ✔️Will I be able to avail medical and premium reimbursements in case my policy gets rejected?

    In the event of your policy getting rejected, you can avail premium reimbursements within the next seven working days. However, your medical check-up expenses will not get reimbursed.

  • ✔️After the claim is filed, what happens to the health insurance policy?

    When the claim is filed and settled, the coverage amount will be reduced by the amount that has been paid to you (claim). Your medical insurance plan will continue to be in existence with the remaining coverage amount.

  • ✔️Are there any tax benefits that I can avail by purchasing health insurance plans?

    Yes, there are tax benefits under the Income Tax Act, 1961. Every taxpayer can avail an annual deduction of up to ₹50,000 from their taxable income for health insurance premiums paid for self and dependent family members.

  • ✔️How should I decide the amount of coverage while purchasing the best health insurance in India?

    The right amount of health insurance coverage depends upon several factors like the type of hospital you prefer, your current age and health conditions, your affordability, etc. It is advised to have health insurance cover of at least 50% of your annual income.

  • ✔️Where can I get the details of the hospitals covered under the network of the best medical insurance?

    Our partners have tie-ups with over 6,500 network hospitals across India and the details of those hospitals are available in the download section.

    Read more:

    Network hospitals for Bajaj Allianz Health Insurance

    Network hospitals for Aditya Birla Health Insurance

    Network hospitals for Care Health Insurance

  • ✔️What is meant by daycare medical treatment?

    Daycare medical treatments are those medical procedures (surgeries or treatments) that can be completed in less than 24 hours. In such cases, even though you are hospitalised, you do not need to stay in the hospital for more than 24 hours.

  • ✔️What are pre and post hospitalisation medical expenses?

    Pre and post hospitalisation medical expenses cover refers to the feature when the insured is covered against relevant medical expenses incurred for a certain number of days, both before and after the event of hospitalisation.

  • ✔️Do medical insurance plans cover diagnostic tests?

    The best health insurance in India does cover the cost of diagnostics tests such as MRI, X-Ray and more, if the patient is admitted for more than 24 hours for a disease that is covered under the insurance policy. However, it is a good idea to check the policy details before buying. 

  • ✔️Is maternity covered under a medical insurance policy?

    Maternity cover is provided under the best health insurance in India. However, if you are already pregnant at the time of buying the medical insurance plan, it will be considered a pre-existing condition and will not be covered.

  • ✔️Can I add a family member to my medical insurance policy?

    Yes, you can add a family member to your medical insurance plan as long as you have a family insurance plan or a plan where you have the option to add dependents. You cannot add a family member to your plan if you have an individual health insurance policy.

  • ✔️Is mediclaim and medical insurance policy the same?

    A mediclaim policy provides financial coverage only for hospitalisation, accident-related coverage and coverage for pre-determined diseases. On the other hand, health insurance is a much more comprehensive policy that also covers expenses such as pre and post hospitalisation charges, room rent, ambulance expenses etc.

  • ✔️How much cover do you actually need?

    As a general rule, financial advisors recommend that you should get health insurance coverage equal to at least 50% of your annual income, or a minimum health cover of at least ₹5 lakhs. 

  • ✔️Should I buy a medical insurance policy with 50 lakhs coverage or 25 lakhs coverage and then purchase add on coverage?

    Ideally, it is better to get the main health insurance policy with a coverage of ₹25 lakhs and then purchase a top-up coverage of 20-25 lakhs as the top-up coverage policy will be cheaper than buying a ₹50 lakh health insurance plan. 

Health Insurance Reviews

Health Insurance Reviews

4out of 5

9 reviews

Really Appreciate The Quick Response and Guidance

I applied for a health insurance policy at Bajaj MARKETS. I appreciate the quick response of the customer support team. They responded immediately to my recent follow up for my insurance policy.

Keep up The Good Work

My 2 year daughter was admitted in the hospital this was my first experience with Bajaj health insurance. The response was very quick and the Bajaj Allianz team responded to the initial claim request within hours.

Customer Friendly Health Insurance Policy

I got a health insurance policy from Bajaj MARKETS. I had a really good experience they have customer friendly policies and the service support team is very good. Their health insurance renewal and claim process is very smooth.

Satisfied with the service

I experienced the benefits of the health insurance policy when I got hospitalized last year. Since the post-hospitalization costs were covered, it really helped me save up on my monthly budget.

Renewing policy was very easy

The process of renewing my Bajaj Allianz health insurance policy at Bajaj MARKETS was very quick. Thanks for the quick service.

Satisfied with the service

I experienced the benefits of the health insurance policy when I got hospitalized last year. Since the post-hospitalization costs were covered, it really helped me save up on my monthly budget.

Renewing policy was very easy

The process of renewing my health insurance policy at Bajaj MARKETS was very quick. Thanks for the quick service.

Bajaj Health Insurance is truly value for money!

With constantly rising medical costs, the thought of savings being exhausted kept worrying me. That’s when a friend suggested getting a health insurance policy. I came across the best online health insurance policy on Bajaj MARKETS, which was not only affordable but also offered complete medical coverage.

Quick settlement came at my rescue

It was a really tough time for the family when my husband was admitted. Gathering funds could have been difficult, but with the Bajaj Health Insurance, taking care of the expenses was an easy task. The claim settlement with this online health insurance policy was quick and hassle-free making the process even easier.