Advantages and disadvantages of online health insurance

The development of online insurance is quite recent but its success is undeniable although we cannot really speak of an "explosion". Health insurance is no exception to the rule and the development of the internet only increases the phenomenon. Selecting and taking out health insurance in front of your computer or over the phone has advantages and disadvantages.

The disadvantages of online health insurance

It is clear that the disadvantages are numerous and at the beginning of online insurance, there were many conflicts. This is also one of the major obstacles. Certainly, the development of this process is indisputable, but at a time when the Internet is increasingly present in India, why aren't we witnessing a real "explosion" of complementary health insurance online?

Let's say that nothing will ever replace a human interlocutor and that Indian policyholders are reassured by the classic underwriting procedure. This is particularly the case in health insurance because the terms of the contract are sometimes very subtle. The terms specific to the language of insurance are not readable by everyone and it seems difficult to be satisfied with an answer by internet or by telephone. The insured prefers to have his interlocutor in front of him to probably ask more questions and more easily understand the subtleties of a complementary health contract.

In addition, in the case of an online subscription, the insured does not always find it in the event of illness or accident. He does not know if he should notify his insurer by telephone, email, or registered letter. Let's say that the jurisdiction in this area was almost non-existent when the concept was launched.

What's the point of taking out health insurance online if you can't use e-mails to inform your insurer of sick leave? Indian law took time to adapt and it is now possible to send an email to carry out various procedures in health insurance as elsewhere. Is terminating your contract, informing your insurer of a work stoppage by email now possible and recognized by law?

The benefits of online health insurance

Online insurance is a competitive industry and there is no silver bullet, its success is not a miracle. The main attraction of online insurance is the price. The prices are very attractive since the costs of the insurers are mitigated. An online insurance company does not need to invest in downtown premises. She is able to deal with clients wherever they are in France.

In addition, a new phenomenon encourages Indians to use the internet. These are online comparators. These online insurance comparators are now one of the most used tools when looking for insurance. We seek insurance through the net so why not subscribe too.

The comparator is a real insurance distributor because it offers a real service to Internet users with online pricing and quotes.

More and more advanced and practical, our online insurance comparator also allows online subscriptions. Do not forget also the passage by a call center to finalize the contracts or to ensure the service of customer relation. There are many organizations that offer health insurance online. Using a comparator is the first step to compare the different warranties offered. Then you will not need to disconnect to sign a contract, it is possible to use the net to sign your membership contract.