How AskBima Works

Simple Steps to Better Coverage

Finding the right health insurance doesn’t have to be complicated. Here’s how AskBima makes it easy.

Step 1: Share Your Requirements

Tell Us About Yourself

Start by sharing basic information:

• Who needs coverage? (Self, spouse, children, parents)
• Ages of family members (affects premium calculation)
• Your city (determines hospital network relevance)
• Desired coverage amount (we recommend based on your city tier)

We Keep It Simple

• No lengthy forms to fill
• No registration required for quotes
• Your information is secure and encrypted
• Takes less than 2 minutes

Step 2: Compare Plans Instantly

See All Your Options

Once you share your requirements, we show you:

• Top plans from 15+ insurers matching your needs
• Premium comparison side-by-side
• Coverage details including room rent limits, co-pay, deductibles
• Claim settlement ratios based on IRDAI data
• Network hospitals in your city

Smart Filters

Narrow down options by:

• Premium budget
• Specific insurers
• Coverage features (maternity, OPD, etc.)
• No co-pay plans
• Room rent without limits

Step 3: Get Expert Guidance

Free Consultation

Not sure which plan to choose? Our IRDAI-certified advisors help you:

• Understand policy terms in plain language
• Compare shortlisted plans based on your priorities
• Identify exclusions and waiting periods
• Recommend coverage based on your health needs
• Answer all your questions without pressure

Multiple Ways to Connect

• WhatsApp: Fastest, available 9 AM - 8 PM
• Phone call: For complex discussions
• Email: For detailed analysis

No Sales Pressure

Our advisors are here to help, not hard-sell. We show you all options, including those from insurers who pay us less commission.

Step 4: Buy & Get Protected

Simple Purchase Process

Once you’ve decided:

1. Fill application form with our guidance
2. Upload documents (ID proof, photo)
3. Complete medical tests (if required, free home visit)
4. Make payment securely online
5. Receive policy via email within 24-48 hours

What Documents You Need

• PAN Card or Aadhaar
• Passport-size photograph
• Address proof
• Previous policy copy (if any)

After You Buy

Ongoing Support

Our relationship doesn’t end at purchase:

Claim Assistance

• Documentation checklist
• Hospital coordination for cashless claims
• Follow-up with insurer
• Reimbursement guidance

Policy Management

• Renewal reminders before expiry
• Coverage review as family needs change
• Addition of new family members
• Porting assistance if you want to switch insurers

Annual Review

• Check if coverage is still adequate
• Compare renewal premium with market rates
• Suggest top-ups if healthcare costs have risen

Why Choose AskBima?

Truly Unbiased

We show plans from all partner insurers, not just high-commission ones. Our recommendations are based on:

• Your stated requirements
• Claim settlement track record
• Value for money
• Network hospital coverage in your city

Completely Free

You pay the same premium as buying directly from the insurer. We earn commission from insurers, not from you. No hidden fees, ever.

Expert Support

Our team includes:

• IRDAI-certified insurance advisors
• Claim assistance specialists
• Customer success managers

Data Security

• SSL encrypted website
• No sharing of data with third parties
• Clear privacy policy
• IRDAI compliance

Frequently Asked Questions

How long does it take to get a policy?

For standard cases without medical tests, policies are issued within 24-48 hours. With medical tests, it takes 3-5 working days.

Is it safe to buy insurance online?

Yes, buying through AskBima is completely safe. Payments are processed securely, and policies are issued by IRDAI-registered insurers.

What if I need to make a claim?

Contact us via WhatsApp. We’ll guide you through the process, help with documentation, and coordinate with the insurer for faster settlement.

Can I compare plans without sharing my phone number?

Yes, you can browse and compare plans on our website without registering. Phone number is only needed when you want personalized assistance or quotes.

Do you help with existing policies?

Yes, we assist with claims and renewals even if you didn’t buy through us. However, our post-sale support is most comprehensive for policies purchased through AskBima.

Ready to Find Your Perfect Plan?

Compare plans now and protect your family’s health. Our experts are standing by to help.

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Join 50,000+ families who trust AskBima for their health insurance needs.