In today’s digital era, buying health insurance has become more convenient than ever, with options to purchase policies online or through an insurance agent. While online platforms are gaining popularity due to their ease of access. But still many prefer the offline mode of buying health insurance through an agent.
Unlike online platforms, where choices can often feel overwhelming, an agent simplifies the process by narrowing down the best policies that suit your requirements.
Let’s explore why choosing an agent might be the better option for your insurance needs.
Personalized Guidance
If you are buying health insurance through an agent, you can easily get tailored advice based on family size, medical history, and financial goals. Unlike online platforms, where choices can often feel overwhelming, an agent simplifies the process of finding out the best policies that suit your requirements.
Clarity on Complex Terms
There are so many complex terms in health insurance like waiting periods, exclusions, inclusions, and claim process. Understanding all the complex terms of health insurance becomes easier when buying health insurance through an agent helping you avoid surprises during critical times like claim settlement.
Comparative Analysis
While online tools offer comparisons, they often lack the human touch. An agent brings industry knowledge and practical experience, offering insights on which policy provides better value, covers essential benefits, and fits your long-term needs.
Post-Sale Support
Even if you purchase a health insurance policy online, you’ll still need the support of a health insurance agent for tasks like renewals, endorsements, and resolving queries. Their ongoing assistance ensures you have expert guidance at every step of your health insurance journey.
Customizable Policies
Agents have access to customized plans unlike buying health insurance through an agent. They can recommend additional covers such as maternity benefits, critical illness riders, or top-ups based on your individual needs.
Key benefits of buying health insurance via PBPartners PoSP agent
Expert Guidance
All PBPartners insurance agents are highly trained and possess in-depth knowledge of the insurance products. They provide accurate information, assist clients in understanding available coverage options, and guide them in selecting insurance policies that align with their specific needs.
Time savvy
If you are buying any insurance policy from PBPartners, you can save loads of time and effort. Right from searching to purchasing the best insurance plan, PBPartners insurance agent will assist you at its best.
Experience accuracy in policy comparisons and better research
PBPartners provides customers with the flexibility to make informed decisions when purchasing insurance plans. The platform offers comprehensive information on both traditional and non-traditional policies, allowing users to compare plans, explore add-ons, and choose the best coverage to meet their needs.
Advocacy and Claims Support
In the event of a claim, PBP agent partners serve as advocates, offering valuable support throughout the claims process. They assist customers in understanding their coverage, filing claims accurately, and liaising with the insurance company on their behalf.
Long-Term Relationship
PBP agent partners focus on building long-term relationships with their clients. By consistently working with the same agent, clients benefit from the agent’s understanding of their history, changing needs, and evolving circumstances. These agents proactively review and update insurance coverage to ensure it remains appropriate and up to date.
Bottom Line
Whether you prefer to buy insurance online or through an agent ultimately depends on your individual preferences, priorities, and comfort levels. While online purchases offer significant advantages in terms of convenience, cost-effectiveness, and transparency, offline methods provide personalized guidance and assistance.
If you are comfortable with health insurance reviews on your own, it’s best to cut the agent out and buy online. If not, an agent can help you choose the right policy.
FAQs
Is it better to buy health insurance through a broker or online?
While online purchases offer significant advantages like convenience, cost-effectiveness, and transparency. However offline methods provide personalized guidance and assistance. If you are comfortable with searching health insurance reviews on your own, it's best to cut the agent out and buy online.
Is it good to take health insurance from an agent?
One of the most significant benefits of working with an insurance agent is the personalized advice they provide.
Do agents get a commission on health insurance?
Insurance agents earn a commission on each health insurance policy booked, which is a percentage of the premium that the policyholder pays.
Do I still need an agent if I buy health insurance online?
Yes, even if you buy a policy online, an agent can assist with renewals, claims, endorsements, and resolving queries, offering consistent support throughout your insurance journey.
