How do you choose between insurance types and companies?
I am doing a small research and would like to hear your opinion.
I compare a few things - cost, coverage, and availability of a real-life representative. Of course I want the lowest rate, but will pay more for better coverage. I'll even decide to pay more if I know I can call the company 24/7 and be able to talk to a real person instead of having to use those irritating menus to have my question answered by a computer.
I am a Financial Analyst by profession and into Personal Finance for around six years. Before buying any health insurance plan, I basically compare different plans based on their features, lower premiums, add-on covers, availability of critical illness covers & cashless hospitalization facility among others. For this comparison, I prefer to do it online rather than meeting agents. We have a number of websites which can help us in this, like BankBazaar (http://www.bankbazaar.com/insurance/hea … rance.html ). I get everything on the same place without going anywhere else.
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