Advantages of Working with a Health Insurance Agent

If you wish to purchase health insurance, you have dozens of choices for insurance providers and hundreds of policy options. Although this is great to have all of these options, all of these choices are likely to create unnecessary confusion, slowing and delaying purchasing health insurance.

Which is why a lot of people consider consulting with an insurance agent for their requirements. But who is a health insurance agent, what are the benefits of hiring one, and how would you reach out to one to purchase health insurance? Keep on reading to find out.

Who is a health insurance agent?

A health insurance agent is a partner who can advise you and offer insurance plans based on your specific needs and requirements. There are typically two kinds of health insurance agents: exclusive and independent.

An exclusive agent represents only one insurance provider and has in-depth knowledge of the products they are dealing with.

An independent agent is affiliated with multiple insurance providers to offer a custom plan based on your needs and requirements.

What are the benefits of consulting a health insurance agent?

Although it is possible to purchase health insurance online, that is only preferable if you already know what plan from which provider you would like to buy it. The following are some benefits of consulting with a health insurance consultant.

• In-depth Knowledge
• Coverage Options
• Personalised Service
• Exclusive Discounts

But beyond the benefits offered by an insurance agent, the first thing you should consider doing is to do your research and know which insurance provider you would like to approach. Because although an insurance agent can help you make the final choice and get the best plan, unless you know which insurer(s) you would like to purchase the plan from, it will be difficult to consult with an insurance agent.

If however, you are not sure about the specifics of a policy. In that case, a Niva Bupa Health Insurance Consultant can help you throughout the entire process so that you can rest assured and be completely protected when facing medical risks.

Niva Bupa is India's leading health insurance provider, offering one of the highest claim settlement ratios. We are networked with more than 10,000 hospitals nationwide and have serviced more than one crore, happy customers.

How to purchase health insurance from Niva Bupa?

It is effortless to purchase insurance from Niva Bupa. And depending on your needs, you can do so by following any of the given methods.

• You can call the toll-free number.
• You can fill out the form displayed on the health insurance page
• You can speak with an expert using the icon on the bottom right of your screen
• You can also quickly buy plans directly from the website if you know what you want.

Conclusion

With an increase in health risks and a rise in the cost of treatment for these illnesses, you and your loved ones need to be protected. You can ensure this by purchasing the right health insurance for your family. So why delay and expose them to medical risks? Purchase health insurance from Niva Bupa and secure your family’s smile always.

FAQ

Do health insurance agents assist with claim settlements?

Yes, many health insurance agents do assist with claim settlements. While they don’t process the claim themselves, they guide you through the paperwork, help you understand the process, and liaise with the insurer or third-party administrators (TPAs) to ensure a smoother experience. A good agent acts as your advocate, especially during hospitalisation or emergencies.

Can a health insurance agent customise plans for my family’s needs?

Absolutely. A knowledgeable agent will assess your family’s age, medical history, and financial goals to suggest plans that offer the right coverage. They can recommend suitable add-ons like maternity, critical illness, or OPD cover based on your lifestyle and requirements, helping you strike the right balance between benefits and premiums.

Will a health insurance agent help me renew my policy?

Yes, health insurance agents typically help with policy renewals. They’ll remind you when your policy is due for renewal, explain any changes in terms or premiums, and even suggest if it’s time to upgrade or port your policy. Their assistance ensures you never miss your renewal window and maintain uninterrupted coverage.

Can an agent help me understand policy exclusions and terms?

Definitely. Insurance jargon can be confusing, but a good agent will break it down for you. They’ll explain what is covered, what isn’t, any waiting periods, sub-limits, and co-pay clauses. This clarity helps you avoid unpleasant surprises when filing a claim and ensures you're making an informed decision.