Internet, the most convenient and popular tool to research and make online purchase. While it provides  the convenience to do things online with simple clicks, it can be tricky for certain line of products/service like insurance. Following guidelines can be helpful for Visitors Insurance buyers.

- Do not completely believe on what you read on the internet or forums. Many post are by the Agent/brokers themselves and posting with different names and praising themselves.
Needless to say, internet/online postings can be deceiving. Stories, Feedback, testimonials are fabricated and are selectively displayed on agents websites. You will not see any negative feedback about any product they sell or represent, but see many negative feedback about others.

- No insurance product is bad, Whether it is IndiaHealth network( Dr Rao), or ICICI or Sevencorners , HCC , they all have great products and are good companies.
What is important for you as a buyer is the service you receive from the agent( source from where you buy insurance) , their qualification and level of knowledge and commitment of doing business ethically.

As a buyer it’s your responsibility to understand and get educated yourself on what is covered and what is not covered. Do not get fooled by false sales postings on the net.
Focus on your need, what kind of policy you want, how much coverage is good for you, what kind of risk you want to be covered, and how much it cost you. There are several policies with similar coverage and different price tag, it is wise to compare them for benefits and pick the one you find most suitable for your need.

- Where to buy it from: If you search for the term visitors insurance, you will find ocean of websites, offering same products, and same price.  What’s the reality: There are limited insurance Plan administrators, all the websites represents them are agents.
Whom to trust ? : Make the conscious decision based on what is your own feeling about the source you select to buy. Follow if you have any feedback from close friends, or reliable recommendations.

Do your home work: It can be difficult to understand the complex terminologies of insurance policy, do not hesitate to call the agent and clarify them. Read yourself and get clarifications. Do not make assumptions.

Think practically: No matter which insurance company it is, the claims department always works on one principle to: Take every precaution, to not to pay extra or ineligible claims, and hence it requires supporting documents, evidence etc and can be a frustrating process sometimes. And it’s perfectly ok.  As a buyer, do your part; know your rights and rest assured, if the claim is legitimate it should be paid.

If you need any help or have question write to me at rajeev@VisitorsCoverage.com.

Happy researching… !