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Blog > Health Insurance > 10 Myths & Facts about Buying Health Insurance Online

Myths Facts about Buying Health Insurance Online

Offers, personal assistance, claim settlement issues, frauds…health insurance buyers have a lot of insecurities when it comes to buying health insurance online. This 5-minute-long article shows you the reality.


Insurance, general insurance or health insurance, has always been a product that has been purchased widely via online or through agents.

While almost every product in the market has made the shift to e-commerce, consumers are still not completely comfortable buying health insurance online. What is the reason behind this? You would be surprised to know that it has more to do with assumptions than actual facts!

It is not the case that service providers like us have not prepared a safe, operational infrastructure. But the customers are not completely aware of it. Which is why, we will bust some common myths around this topic and shed some light on the reality.

Myth – I won’t get personal assistance

Fact – You get the same level of assistance offline and online

I won’t get personal assistance


Consumers believe that agents provide ‘extra’ assistance while buying a policy or while claiming health insurance. But in reality, all agents do is mediate between the policy holder and the customer care service! So, it actually lengthens the process! At HDFC ERGO Health Insurance (formerly Apollo Munich Health Insurance), we have a robust customer care service and IT infrastructure to address your concerns. So, it is quicker and more convenient if you contact us directly.

Myth – Agents can offer me additional discounts

Fact – You get discounts online too

Agents can offer me additional discounts


Agents can only provide discounts that a company offers them. Nothing more, nothing less. Moreover, since buying health insurance online is a new concept in India, companies are actually incentivising consumers to try this unconventional approach. For example, HDFC ERGO Health Insurance (formerly Apollo Munich Health Insurance) offers up to 10% instant discounts when you purchase any policy online.

Myth – Buying online is a complex process

FACT – It is easier than the offline process

Buying online is a complex process


Buying health insurance online is similar to buying any other product online. You visit the page – you explore the plans – you choose one – you enter your personal details – you pay – you get policy instantly! It is as simple as you are reading it here. You don’t need to be a tech savvy person for this. And since there is no third-party interference, it is quicker too. To give you an idea, you can buy any HDFC ERGO Health Insurance (formerly Apollo Munich Health Insurance) policy online in around 5 minutes!

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MYTH – Claim settlement will be tougher

FACT – It is the same whether you buy offline or online

Claim settlement will be tougher


As mentioned earlier, even if you buy a policy through an agent, and request a claim, the agent contacts the customer care service. Which, you can do yourself too. In fact, it is quicker and easier when you do it yourself. If your claim is valid it will be settled without any hassles, and if it isn’t, it won’t be. There is nothing extra that an agent can do. Besides, you also have the convenience of doing this process through an app now-a-days. HDFC ERGO Health Insurance (formerly Apollo Munich Health Insurance)’s Health Jinn app is a great example of this. One more notable aspect is claim rejection due to agent’s mistakes while filling a form. When information discrepancies are noticed, claims are rejected. But when you buy online, you enter your details yourself and there is no space for mistakes. This reduces the chances of claim rejection.

MYTH – Buying health insurance online is costlier

FACT – It is actually cheaper

Buying health insurance online is costlier

Have you noticed that when you buy a product online, be it any product, it is cheaper than when you buy from a store? The reason being e-commerce helps companies save infrastructural costs, due to which, they are able to offer you exclusive online prices. The same applies to health insurance. What’s more, the online policy prices do not include agent commissions, which reduces the prices even further.
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MYTH – It will take longer time to get my policy documents

FACT – Your policy is issued instantly when you purchase

It-will take longer time to get my policy documents


Your policy documents are e-mailed to you instantly when you make the payment. This ensures a completely hassle-free process and buying experience. Another benefit of this is you can easily access your policy documents at any time and from anywhere. You don’t have to carry physical documents when you need them or have to worry about misplacing them.

MYTH – My personal information could be misused

FACT – It is kept completely safe and private

My personal information could be misused


At HDFC ERGO Health Insurance (formerly Apollo Munich Health Insurance), we highly respect your privacy and ensure your data is safe at all times. Our websites are made in accordance with the SSL certification protocol and your personal information is kept safe through encryption.

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MYTH –I could get scammed

FACT – Buying from an authorised website is completely safe

I could get scammed


We are well-aware that many fraudsters try to prey on unsuspecting consumers and practice phishing. They call people claiming themselves as sales executives, lead them to a fake payment page and trick their hard-earned money out of them. Which is why, we have set-up official websites for all our health insurance plans where you can purchase a policy without worries.

MYTH – I won’t get a personalised plan

FACT – You can choose a plan that suits you best

I won’t get a personalised plan


All the plans are made available for online purchase, with all their details. Contrary to the myth, it is much easier to explore plans online, compare them side-by-side, and find the one that suits you best. Whether you have to compare an individual plan with a family floater plan, or compare between a high-cover plan and a low-cover one, you can do it at the tap of a button! Also, you can instantly add riders at the time of purchase to make your plan more personalised.

MYTH – What if a wrong policy is issued to me

FACT – It never happens

What if a wrong policy is issued to me


Due to the robust technological infrastructure, it is almost impossible that you would be issued a wrong policy. On the other hand, there are more chances of getting a wrong policy when you buy from an agent due to human errors.

We hope this addresses all your concerns and gives you the confidence to buy health insurance the newer, better way.

You can explore our health insurance plans - for family and individuals, travel insurance, personal accident insurance and more on our website.

Note- We speak about these facts with respect to HDFC ERGO Health Insurance (formerly Apollo Munich Health Insurance) only, and do not offer assurance on the behalf of other providers.

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