Author: Jenny Dsouza

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10 tips for buying online insurance plans By Jenny Dsouza

  in Advice | Published 2017-01-05 12:33:22 | 244 Reads | Unrated


Bajaj Allianz life etouch online term insurance, a regular premium term plan built to safeguard you and your loved ones from various uncertainties in life.

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Online insurance is easy to buy. It is convenient, quick and hassle-free. You may celebrate the absence of the hard-selling insurance agent, but it also leaves you to fend for yourself. Nevertheless, you need not worry. The pointers that follow will help you buy online insurance both safely and successfully.

  1. Compare, Compare, Compare – Whether online or offline, do not buy insurance without comparing. In the offline world, an agent might recommend multiple policies to suit your needs. In the online marketplace, head to an insurance website that carri
    es policies from multiple insurers to get comparative rates.
  2. Detailed Questionnaires Are Good – Online term insurance plans in India require buyers to fill in a questionnaire in order to determine coverage needs and premium amounts. Ideally, this questionnaire should seek basic information about your health, including height, weight, age, blood pressure, cholesterol, etc. In the absence of such queries, the initial premium quoted will be low; therefore, it may be subject to change once the insurer collects your medical details.
  3. Be Honest – If you have a heart problem or a family history of diabetes, mention this on the online questionnaire. Filling in the information honestly will give you a better estimate. It would also help to know your family’s medical history before sitting down to fill such questionnaires.
  4. Guard Your Personal Information – While honesty is the best policy when buying insurance online, you do not need to provide all information. For instance, it is possible to get quotes without giving out your address and telephone number.
  5. Choose a Reputed Company – Insurance is a long-term affair. Hence, it is advisable to choose an online term insurance plans In India company that is stable and that has a high claim settlement ratio (CSR). In the Indian context, LIC has the highest CSR, followed by big names like ICICI Prudential, HDFC Life, SBI Life and Kotak.
  6. Check out Reviews – We check out review upon review when buying smartphones and laptops, so why should insurance be any different? User reviews will give you first-hand information about the merits and drawbacks of specific policies, thereby making it easier for you to select a plan.
  7. Look for Necessary Riders – If you seek heavy customization on your policy, the Online Term Insurance Plans In India segment may not be the best place to look. Online insurance works well if you require a no-frills policy. But if you want to bundle various features and riders, going the offline route might bring you better and cheaper deals.
  8. Cross Check with the Insurer – Most online insurance shoppers compare rates on an aggregator site that hosts multiple policies from various insurers. Given the sheer numbers of policies on display, however, it is possible that some are outdated. Therefore, once you have shortlisted a few policies, make sure to check their details on the respective insurers’ websites.
  9. Check Availability in Your City – Some policies are available in select regions. So, before you decide to finalize the deal and whip out your credit card, find out whether it is available in your city or town.
  10. Save the Transaction Page – Once you have selected your policy and made the necessary payment, make sure to take a screenshot of the transaction page. This will come in handy in case of any transaction error or denial by the insurance company.




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Bajaj Allianz life etouch online term insurance, a regular premium term plan built to safeguard you and your loved ones from various uncertainties in life.