Don't Get Scammed When Buying Health Insurance Online! 7 Tips You Must Know

Kokila Chokkanathan
Buying health insurance online is convenient, but it’s also a hotspot for fraudsters. One wrong click can cost you money, personal data, and peace of mind. Here’s how to stay safe and choose the right policy.

1. Verify the Insurer First

Before anything else, check if the company is IRDAI-approved. Only licensed insurers are legally allowed to sell health policies in India.

Tip: Visit the official IRDAI website to confirm the company’s credentials.

2. Check the Policy Details Thoroughly

Scammers often lure buyers with flashy promises. Don’t just read the premium – look at:

  • Coverage limits
  • Waiting periods for pre-existing conditions
  • Exclusions (what’s not covered)
Tip: Policies with too-good-to-be-true benefits usually are.

3. Use Official Websites or Trusted Platforms

Avoid random links on WhatsApp, emails, or pop-up ads. Always go to:

  • The official insurer website
  • Reputable insurance aggregator portals like Policybazaar, Coverfox
Tip: Check the URL starts with https:// and has a lock icon.

4. Don’t Share Personal Details Carelessly

Your Aadhaar, PAN, bank info, and OTPs are gold for scammers. Only share them on verified platforms.

Tip: Never provide OTPs or banking credentials to anyone, even if they claim to be from the insurer.

5. read customer Reviews & Ratings

Before buying, see what other users say about claims and service quality. Poor reviews or repeated complaints can be a red flag.

Tip: Look for reviews on independent platforms, not just the insurer’s website.

6. Beware of “Instant Approval” Tricks

Some fraudsters promise instant health insurance approval with “no medical tests required” at a super-low price. Real policies have terms and conditions – no legitimate insurer will skip verification entirely.

Tip: If it sounds too easy, it’s probably a scam.

7. Keep Proof of Purchase Safe

Once you buy the policy, download and save the policy document, payment receipt, and customer ID. These are essential if you ever need to make a claim.

Tip: Store wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW">digital copies in a secure folder or cloud storage.

Bottom Line

Buying health insurance online is safe if you stay cautious. Stick to verified platforms, read the fine print, and never rush into a purchase. Protect your money, your data, and your health – the right policy can save you, but a scam will cost you dearly.

 

Disclaimer:

The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.

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