The Top Benefits of Selling Products Online In India

Online selling made it possible to sell in an open manner, breaking the existing time and distance barriers. Nowadays, it has become a trend and many businesses are conducting their business operations completely online.

Below are the benefits of selling online in India:

The entire world is the market

Business reach is huge in online selling. Since the whole world is the market, it makes the visibility levels of an organization, its products and services, unimaginably high. Prospects of growing business online are very high.

Around the clock business availability

Unlike personal selling, online selling makes it possible to sell products at any point in time. Thus, it enables the customer to buy products at a convenient time without any time restrictions.

Reduced Operational Costs

Conservative selling methodologies incur upfront costs on various heads like the establishment of the business, rent and electricity etc. The process of making an online store in India, avoids such costs, thus making it possible to increase the profits.

Easy Analysis

With the help of various analytics, it gives an edge to the online seller in collecting, measuring and acting on customer data. These analytics track the information such as customer buying pattern, the time spent on each product, the type of individuals visiting the webpage, at which stage do they venture back, number of transactions every day etc.

Collect Payments Online

Easy and faster process – Online payments makes the payment process easy and faster. This avoids the hassles of a typical check or bank exchange which takes more time to get cleared.

Convenience: It also enables the payment to the customer from anywhere and anytime.

Multiple payment options: Customers can select their preferred payment options like debit card, credit card, wallet, net banking, UPI etc. EMI option can also be provided to the customers buying online.

Fast Go-to-market time:

Unlike conventional retail, an online store can be up and running in just a few clicks. Pre-designed templates are available to create your store. With minimal effort, attractive and reliable websites can be created.

A site can be quickly made up and running and then drive traffic by using various social networking sites. Few websites offer market places to sell by just setting up an account before you start.

Reach new customers:

Unlike traditional brick and motor stores, an online store is not limited to the customer who physically visits it. When making an online store in India, the seller is enabled to reach international shoppers. New demographics can be reached by social sites. A mix of online touchpoints can be used to engage multiple audiences at once.

Content Marketing Strategy:

Online selling enables the seller to provide more information about the products and services to the customers. When creating a free online store app, the key product content assists a customer to make the right purchase decision.

Thus online selling in India enables the sellers to serve the niche markets in this internet era. So, it's quite obvious that more benefits exist for online selling due to the inclination of more customers to shop for their needs on the Internet.

Setting Up An eCommerce Shop in India

Traditionally the Indian buyer is averse to online shopping. This is probably for many reasons. Customers like to touch, try out the product and then decide. The thrilling part of the transaction is the “haggling” for the price. Shopping, especially during festivals and other occasions becomes a family= affair. With the pollution, traffic snarls and ever-increasing crowds, many shoppers have taken the online route.

Shoppers can browse through the various online catalogues and decide for themselves. The growing number of shoppers opting for online products has created a need for more eCommerce shops. This is turn has opened up new opportunities for entrepreneurs who can take advantage of the situation. The question is, how do you establish an eCommerce store.

How to Set up a Free Online Store in India

The two building blocks of setting up an eCommerce are:

  1. Have a good knowledge about the product(s) that you would like to market. If possible, pick up a niche market product where competition is comparatively less. Vet your plan with a consultant and tweak it if required.

  2. Study the existing market and find our who your competition is. Find out what is their market share and if there is any room for new entrants. Research is the Key. You should arm yourself with every bit of information about the industry you are planning to enter and set up your online dukaan.

Steps You Need to Follow to Set up Free Online Store

Market studies have indicated eCommerce has grown by over 25 % and Is said to be a $100 million industry by 2022. This is encouraging for individuals and companies to join the bandwagon. Before you start celebrating, you should remember that setting up is not so simple as it may appear.

Here are a few tips that will help you set up your dream company. First and foremost, you need to have an appropriate name. It should be catchy and should reflect the industry you are getting into. You have to decide what type of company it is going to be. Is it going to be proprietary, Partnership, limited etc. You also have to develop and plan and business model before you jump in. Types of Business Models

  1. B2C Business to consumer

The transaction is traditional where a business sells its products or services to the consumer.

  1. B2B Business to Business

Goods and services are sold to other business.

  1. C2C Consumer to Consumer

Consumers offer their products or services to other consumers. Consumers may advertise for the sale of their furniture when they relocate.

  1. C2B Consumer to Business

Consumers with specific skill sets are needed in many companies. Companies find it economical to hire freelancers to time-bound projects.

Check A Piece of Kickass Advice to Follow When You Are Typing 'How to Start an Online Store' On the Internet

Making money on the internet is becoming easy. We know many people who do it. There are times when we wish we had the technical knowledge to start our own online store and build up and online business. Similarly, there are several passion-driven people have ideas, want to be an entrepreneur and a pumped with energy. The only factor that holds them from starting a business is the capital required to start it. The good news creating an online shop is an easy way to start earning money with minimal money.

Let's see how to start an online store.

Find A Niche!

The first and foremost thing that you have to consider while creating an online store or starting your own online business is finding a niche.

What is a niche?

A niche is a specialization in anything you do. Let's say, for example, you sell beauty products. If you are selling beauty products, a niche will be organic beauty products. That's not the end. Continuing with the example, you will discover a further niche in organic beauty products. Something like, organic beauty products with ayurvedic formulas, organic beauty products made from sea plants, or organic beauty products prepared from curcumin that is a component found in turmeric, etc.

I hope you get the point. You may be into beauty, wellness, art, gadgets, or any kind of service. The first step that you consider before researching 'how to start an online store', is knowing your niche. That one thing that you love doing. That one thing that will actually bring you, customers!

Goal Achieved!

Deciding a niche needs brainstorming. After you have observed your passions and found your customer, validate that niche!

Validate Your Niche Now to Know Your Customer.

Validating a niche through doing online surveys and asking people to fill up google forms for you will tell you whether your niche will actually give you the money you want. Validating your niche means understanding the preferences and expectations of your customers. It is knowing who is your target audience to market your product in the right way. You need to know your potential customers and their minds well before creating an online store.

Shoot your business!

Finally, after all the efforts that you have put in doing your research, you are good to start an online business. You are saving a lot of time with brainstorming at the beginning that is followed by validating your customers. You are ready to earn good profits if you follow this process. A lot of people start without keeping the target audience in mind. If you are a big giant, like Amazon or Flipkart, you can sell anything and everything online. The fact is, in order to get fame and success, these e-commerce giants started with something small or something that actually helps them get recognized. You can read the stories of e-commerce giants to take inspiration on a niche.

Follow the process and now start the research for creating an online store: While you can read thousands of articles on the internet on 'how to start an online business', this one is to remind you to pause, think, and then shoot your business. Creating an online store is easy. It is after you follow this process, will be the time when you can actually start looking for 'how to start an online store'. We hope you will now achieve that money and fame you need simultaneously. Be patient and be ready to put efforts to make it work is all we would advise all the readers. You will surely be a successful online entrepreneur.

Departmental Store at Finger Tips: How to Go Online

This is an era of digitization when everything is bought and sold online. But is it possible to open a Departmental store, aka Kirana shops online in India?

The answer is big, yes!

Especially when the entire Indian junta is facing the pandemic crisis, an online Kirana shop would be of huge demand.

But why and how to open an online Departmental store? Let's just try to answer these questions

Why Online Kirana Shop

The very first point before going online with your idea of an online Departmental store is, why do you need it?

Starting with an online Departmental store can be a business boon.

● This pandemic situation has forced people not to step out of their houses unnecessarily. Online Kirana Shops are therefore in demand. ● Many people find it difficult to spare time out of their busy schedules to roam around in your shop and look for stuff. ● A systematic list of product availability and nonavailability on an online platform would save the time of both the seller and customer ● An easy, clutter-free, on the fly record management ● Money and time saving

Going online with your Kirana store is definitely going to prove fruitful to you in the long run.

How to Start an Online Departmental Store in India

An online kirana store is a good idea to boost your business and a trendy option.

But how to start with an online business?

Just go through the following points to take your kirana shop to the clouds

● Registration: Online business guidelines might be similar to the regular ones, but still go through the guidelines and focus on the crucial points to start a business online.

Then obviously, one needs to get the online store registered. It is required and necessary to follow all the legal aspects of an online business

● Tools: Going online simply means arranging your Kirana catalogue on your computer or mobile. But how? ○ Make a website for your Kirana Shop. ○ Add important sections and subsections. Just like the partitions in a regular shop, define categories on the website as well. ○ Create a user-friendly mobile application.

● Organizing: If you are done with the website and mobile application, now organize your stuff there. Organizing products under different categories is like putting stuff on different shelves of a particular section of the store.

● Payment Gateways: provide easy payment options to your customers. But make sure to read out everything in detail before joining hand with any of the payment gateway providers.

● Return and refund Guidelines: Since a kirana shop deals with many perishable items as well, make sure to clearly decide about return options for such items.

Come up with an entire set of rules and regulations about return, exchange or refund options to avoid any trouble later.

● Market: Decide and get a licence to deliver stuff at different locations.

● Advertise: Promoting your Kirana store is equally important to let people know about the online shop. Advertise on social media platforms about it

● Discount and Offers: Offer discounts and offers from time to time to allure your customers.

Opening an online kirana store is all about e-commerce and organizing and maintaining the stuff on your website and mobile application. Rest assured, it is a fairly easy and convenient task.

The 8 Points That No One Talks About for The 'Online Kirana Store Kaise Khole' Doubt Going On In Your Mind

Grocery is the fastest-selling item. This is one type of business that will never be affected. The Covid-19 pandemic is a recent example of how the grocery business never gets affected. As far as there are Human Beings, they will need food and groceries to survive.

Read the following points as an important piece of advice to follow as you think to start your online Kirana store.

  1. It's the right time to sell your items online in India

A recent example to validate your doubt for this fastest selling business. Grocery items are daily essentials. Even during the initial unlock period in India, we have seen how groceries and essential items were the only things that were being delivered all over the country. Indians were filled with fright and were avoiding every possible thing, but these essential services were the only things that were in demand. Kirana store or grocery store is the best investment option for small entrepreneurs.

  1. Convenient online buying options make consumers buy groceries online We visit Kirana stores on a regular basis physically. With the dependency on technology for its convenience, consumers have started shopping groceries online. The daily essentials are delivered at their homes easily.

  2. Kirana Store is the most practical business idea for family business owners

Kirana stores are known and an easy business venture. Small businessmen in India who have physical Kirana stores take it up as a family business. They start taking the responsibility of earning money at a very young age. They have a business in their blood and heritage. The Kirana store owners are self-learners, know the business tactics, and do it well most of the time.

  1. Join the E-commerce Community Asap

The business-minded community has joined e-commerce. Starting an online store for daily essentials is an extremely good and practical idea. The money needed to start such a business is relatively low. The profits earned are higher. Earning higher profits with lower investment is the goal of all businesses, isn't it?

  1. An online Kirana store is a business idea that can be for everyone

If you are business-minded, if you are passionate and self-driven, there is nothing that can stop you. Starting an online store for daily essentials is the option you should choose. Well, a few of our Indian readers must have said in their head, idea toh acha hai par online kirana store kaise khole?

  1. Just Decide What to Start With

Starting an online store is a process. You really don't need to be a tech-junkie for that. The answer to online kirana store kaise khole is what you do for a physical business or a physical kirana store. Start with something small, like providing cereals and pulses, oil, sugar, tea, dry fruits, etc.

Make a list of the things you want to sell on starting an online store. The funds and resources must be minimal, and that is okay. Sell online whatever you can if it something like just tea or sugar or pulses. Your business will expand with time as the consumer behaviour in India has started changing. With time, you will start earning more and more money.

  1. Shoot Your Business Idea. Start the online kirana store!

An online Kirana store is worth starting as technology is the future. Your online Kirana store will never go in losses even during the recession period. Build an e-commerce website with some research and start your online store. Surf the internet for marketing tips that give you more money as you would do for any other business.

  1. Be Patient and Optimistic

The initial period of any kind of business gives smaller returns. Once you get recognition, the business expands automatically, and income starts flowing into your bank account without many efforts.

One more Reminder to Just Do It Now!

To start a thing is the toughest idea in the mind of people. The fact is that once we start, the efforts become fruitful. We get used to things and adapt to new things in a short time. Look at how people were scared of the Corona Virus in fact, now Indians are going out of their houses more than the initial days. People have become used to things and have started calling this phase as the new normal. So if you are thinking online kirana store kaise khole, go ahead and take that risk. It will be worth it. Do it now!

Now Both Arogya Sanjeevani Policy And Corona Kavach Policy Available As Group Insurance

IRDAI announced standard COVID-specific health insurance policies in April. At the time of the announcement, the Arogya Sanjeevani policy And Corona Kavach health insurance policy were only for individual coverage. But in July, IRDAI announced that the health insurance benefits of Arogya Sanjeevani policy And Corona Kavach health insurance policy can be availed for group coverage.

As the policies cover Covid-19, the group policies will be useful for various private and public companies for covering their employees’ medical needs. Earlier the insurance regulator had made it mandatory for all general and health insurance companies to offer Arogya Sanjeevani policy. Later it allowed the insurance companies to offer the same policy even as a group product.

Arogya Sanjeevani policy

Arogya Sanjeevani policy is a standard individual/group health insurance policy. The standard health insurance policy offers individuals and families coverage for hospitalisation-related basic expenses.

IRDAI issued a circular on July 7, 2020, allowing health insurance companies to offer Arogya Sanjeevani policy for a sum insured between Rs 50,000 and Rs 5 lakh. The Arogya Sanjeevani policy offers a basic health cover of a minimum sum insured of Rs 1 lakh.

The IRDAI issued another circular on July 24 that stated that insurers can offer the same standard policy as a group policy under the same name of Arogya Sanjeevani. All the terms and conditions of the policy were retained except the premium. The premium is to be fixed by the insurers. Among other things, the Arogya Sanjeevani policy covers the treatment cost of Covid-19.

The Arogya Sanjeevani group policy is assumed to provide protection and cater to the medical needs of a large number of employees working in manufacturing, services, logistics sector, SMEs, MSMEs, and migrant workers. It was clarified that Arogya Sanjeevani policy, in both individual and group forms will cover Covid-19.

On July 21, IRDAI directed general and life health insurance providers to offer Corona Kavach health insurance policy as a group insurance product.

Arogya Sanjeevani policy as a group cover

All the terms and conditions of the standard Arogya Sanjeevani policy have been retained except the premium, which is to be fixed by insurers. Health insurance companies are allowed to set their own minimum and maximum sum insured limits under the group policy. Note that the mandate of offering sum insured in multiples of Rs 50,000 is not applicable for the group product.

Arogya Sanjeevani policy covers hospitalisation treatment costs of COVID–19. The policy covers hospitalisation costs like room, boarding, and nursing at 2% of the sum insured. A maximum of Rs 5,000 can be used each day for such hospitalisation costs.

Also, in the Arogya Sanjeevani policy, pre-hospitalisation medical expenses, 30 days before the date of hospitalisation are admissible. And post-hospitalisation medical expenses for a period of 60 days from the date of discharge are admissible.

Corona Kavach policy as a group cover

IRDAI allowed insurers to offer Corona Kavach health insurance policy as a group health insurance product along with the individual one. The policy term can be of a minimum of three months to a maximum of 9.5 months. All the terms and conditions for the group policy will remain the same as applicable to the standard individual policy except the premium rate. The insurance providers will determine the price keeping in mind the cover that will be proposed to be offered to the company.

While life insurance providers can offer only benefit-based short-term health insurance policies, general and standalone health insurance providers can offer both indemnity-based and benefit-based short-term policies. The waiting period for short-term health insurance policies would not be more than 15 days. For regular health insurance plans, the waiting period is 30 days.

Among individual cover and group cover which one is better

While many employees can be covered under a group health insurance policy, buying an individual health insurance policy at an early age is better. Because a group policy won’t stay valid if the individual resigns or retires from the organisation. Also, if an individual exits the group plan and buys an individual health cover, the waiting period will start again. The individual and his/her family will be at risk during the period when he/she is under his/her new policy’s waiting period.

In case you rely on your group health insurance policy till retirement and plan on buying a cover after retirement, it would be very expensive and insurers may even deny you a policy on medical grounds. Again, all group insurance policies have coverage amount limitations that may get out of sync with rising healthcare costs. It is better to buy an individual health insurance policy with suitable coverage as per your needs any day.

The 3 Types of White Sauces or Gravies to Rustle Up In a Jiffy

Contrary to popular perception, Indian gravies are not just limited to deep orange, green or brown in colour. A lot of Indian cooking, whether it is a Kolhapuri pandhra rassa (white sauce) or a Kutchi kadhi use white gravy or sauce as a base. Indian white gravies are usually made of onion, milk or cream, paste of cashews or poppy seeds, garlic and ginger. Tomatoes are never used in white gravy preparations in puree form, though they may be added to the gravy in diced or cubed form, depending on the recipe.

As a professional chef, you are aware of how quickly a recipe can get a different complexion and taste with the introduction of a hearty Indian gravy. White Indian gravies add versatility and a milder touch to the dish, as compared to a fiery red gravy that makes the tongue scream for help! They are often a counterpoint to spicy curries, and offer the palate a ‘softer’ alternative to salted and heavily spiced dishes.

The 3 white Indian gravies you can rustle up quickly

Time often runs out during a busy day in the kitchen, and you don’t want to be left scrambling to put together a dish that tastes and looks fantastic. Let a mild gravy in white come to the rescue. Here are our top 3 suggestions:

  1. Chicken Stew: This hearty dish is great for cool weather or when the skies are grey. Marinate chicken cubes using chicken powder, some oil and turmeric powder for an hour. Meanwhile, heat oil in a pan and saute garlic. To this pan, add onions, diced tomatoes, eggplant slices and carrot pieces to fry well. Once vegetables are slightly soft, add red chilly sauce and a cup of water. Bring the sauce to a boil, then add coconut milk and simmer till the stew thickens. Add the chicken pieces to the stew and mix well before taking off the flame.

  2. Ranch Dip: This one is a white sauce that you can use as a dip for French fries, potato crisps, onion rings or even as a dressing for a burger. Mash a clove of garlic and add it to a bowl. To this, add, half a cup of buttermilk, 1/8 cup mayonnaise, ¼ cup sour milk, a pinch of salt and pepper powder, two sprigs of thyme, 1 tsp dill or finely chopped coriander, and a pinch of cayenne. Whisk all these ingredients together and the dip is ready to serve.

  3. Paneer in White Gravy: Prepare a basic Indian gravy that is irresistible and makes for a lip-smacking base for both paneer and chicken/mutton dishes. However, you will need to keep a few ingredients at hand: ginger garlic paste, Kashmiri red chilly, coriander seeds, bay leaf, cinnamon sticks, curd, and paneer or chicken/mutton cubes. Here’s how you prepare the gravy: start by grinding the red chilly and coriander seeds to a fine powder, and set aside. In a pan, sauté onions and cashews, then cover with a cup of water and bring to a boil. Let it cool before blending. In another pan, fry bay leaf, cardamom, cloves and cinnamon. To this add the onion and cashew mixture, and ginger garlic paste. After a minute, add curds and green chilly pieces, and finally the ground red chilly and coriander seeds powder. Mix well and allow to simmer for two minutes. Finally add the paneer/chicken/mutton cubes, sugar and salt to taste, and keep on low flame for two minutes. Serve with roti or parathas.

Tips for Getting Quick Personal Loan in India without Any Hassles

Do you face hardships in getting quick personal loans in India? Do you want to avail personal loans under 10 minutes? Welcome to the new Digital age of financial technology startups in India.

All of us have faced cumbersome and tedious method employed by banks to approve loans. The consumers have to follow various steps to get eligible for loans. Still, there is no surety of getting your loan approved despite wasting 3 to 10 days. With the digitization process making rapid strides in India, the banking scenario has changed drastically.

New age financial technology Startups has made the entire process of loan procurement easy and paperless for consumers at competitive rates.

What is a financial technology startup?

Financial technology startups are digital-based financial companies that are engrossed in loan disbursement for new-age customers. Here, you can apply and get a personal loan for home, car, education, house renovation, medical emergency or even for a picnic. These financial companies are emerging as a dependable and secure business partner for people across India who don't have the time to go through the lengthy procedure and physical verification at the banks or other NBFC.

What makes fintech startups attractive to consumers?

These fintechs use digital platform for instant loan payment. Here you can apply for short term personal loans ranging from ₹5000 to ₹5 lakh. These fintech are now operational in almost all Tier1 and Tier2 cities of India. It is increasingly becoming attractive to the current digital generation because of its features such as -

 The smooth and quick loan process  Easy repayment policy  Competitive rate of interest

Fintech Apps in India

Most of the new-age financial startups use online personal loan app to reach out to customers. The online personal loan apps can be downloaded from Google play store. The app is simple and user friendly and enables financial assistance to the working professionals on the go. The hassle-free personal loan is disbursed without any collateral for immediate financial aid. The major highlight of the online app is the digital documentation without any paperwork.

What are the documents required to avail a loan in India?

The documents required for availing loans are :  Identity proof (Aadhar card, Pan Card)  Proof of residence (Aadhar card, Rental agreement, Utility bills or postpaid mobile bills)  Proof of income  Last three months bank statement Once your documents are verified which takes a few hours, your loan amount is credited to your bank account the very next day.

Benefits of online financial companies in India?

There are several benefits of an online financial platform over banks such as :  Disbursement of loans are quick and made it easy to avail.  Not lengthy paperwork and lesser time consumed to get a loan.  Consumers can check eligibility to get a loan.  Even small loans starting from ₹5000 can be taken.

Most of their clients are young professionals who take small-ticket loans for unplanned expenditure and pay it back in instalments over a period of time. These fintech takes into consideration different factors like income, age, credit history, repayment capacity, credit score and financial obligations before loan disbursement.

FAQs Q. Is it safe to take a loan from an online financial platform? A. It is entirely safe and secure to get personal loans instantly without compromising on your personal information from online financial platforms. These companies assure complete secrecy of your financial details.

Q. What is the interest rate slab? A. The interest rates vary between 1.4% to 2.3% per month depending upon the requirement, schedule and risk factor.

Q. How much time it takes to get your loan approved? A. Depending upon your documentation verification, it generally takes a few hours to get your loan approved. The company regularly apprises you regarding the process until the outcome.


The young generation in today's times doesn't have the patience to wait until their 40s to get a new car or go for unplanned holidays. They are ready to take a small number of loans for a short term period. Under these circumstances, online fintech has rightly sensed the business opportunity to provide hassle-free personal loans quickly and cater to this segment.

Super Top-Up Health Insurance: Everything You Need to Know About It

With the rise of the coronavirus pandemic, health insurance in India has seen a drastic rise. Most health insurances cover only basic hospitalisation costs and may not cover the entire process. That's where super top-up health insurance comes in. Health insurance, in general, is an expensive affair, super top-up helps you gain maximum benefits without emptying your wallet.

Advantages of a top-up health plan –

  1. Greater coverage: In the case of a COVID affected patient, the average hospital cost ranges from Rs. 10-15 Lakhs. This might naturally cause you to question whether your health insurance covers the cost. Adding a top-up or super top-up can help bring your mind at ease. A top-up plan covers cost over and above, just the basic hospitalisation costs.

  2. When this plan kicks in: Top-up plans work on a deductible limit. A deductible limit is a pre-decided number which, once crossed, causes the plan to kick in. For example, if the deductible limit is Rs. 2 lakhs, then any bill that is claimed above that amount is covered by the top-up plan.

  3. Cost effectiveness: You have already been introduced to the concept of a deductible limit. The higher the deductible limit, the lower the cost of the top-up package. This is of great help to bigger families since they have to pay a lower premium for a large increase in health insurance coverage.

  4. For what you can use it: A regular top-up plan works for a single hospitalisation, all bills that are submitted during that one illness are considered. Super top-up health insurance is a little different; it covers multiple hospitalisations that cross the deductible limit.

  5. Expiry: A super top-up health insurance plan covers you as long as two criteria are met. The first one is that you cross the deductible limit. It also covers you till the entire cover is used up, not just for single usage.

What all do these plans cover?

  1. Room rent: Hospital rooms are not cheap. They are rather expensive and can be an added cause for stress during your hospitalisation. With a super top-up plan, you don't have to worry about this and can pick your room without stressing out over the cost.

  2. Family members: Super top-up plans cover family members between the ages of 3 months to 65 years old. It's a great way of covering your family without extra costs and premiums.

  3. Pre and post hospitalisation costs: These plans cover 30 days of pre hospitalisation costs and 60 days of post hospitalisation costs. These numbers can vary from insurer to insurer, however.

  4. In-patient treatment facilities: Most health insurances don't cover treatments outside of hospitals, but these plans do cover the costs of home treatments. They cover all treatments and have no limit on which diseases and ailments are included.

Super top-ups give you a wide range of medical benefits at not much of a cost. You can sign up to get a super top-up to your health insurance without any medical testing if you're below the age of 55. In contrast, a base health plan has a maximum limit of 45 years of age.

Documents required to be eligible for a top-up : 1. Age Proof: Any of the following are allowed, Birth Certificate, Aadhar card, Drivers Licence, Passport, Voter ID, 10th or 12th mark sheet, etc

  1. Identity Proof: Any of the following are allowed, Driving Licence, Voter ID, Passport, Aadhar Card, PAN Card, etc.

  2. Address Proof: Any of the following are allowed, Electricity bill, Aadhar Card, Drivers Licence, Passport, Ration Card, any other document that mentions permanent address.

It's no secret that health insurance plans don't cover all hospitalisation costs completely and leave you to fend for yourself in cases where the bills are just way too high. Super top-up health insurance plans combat this and help put your mind at ease. It acts as a supplementary plan to existing health insurance to make sure that you are well insured.

A few differences between a regular top-up plan and a super top-up plan are as follows –

Top-up plans Super top-up plans Covers one bill that's above the deductible limit Covers the sum total of all bills that are above the deductible limit Suitable for people less prone to illness and accidents Suitable for people more prone to accidents and illnesses Premiums are relatively low Premiums are higher than regular top-up plans. The cost is lower for the plans with a higher deductible. Example – If the deductible limit is 2 lakh and the price of the premium is Rs. 600. The deductible limit is 4 lakh, then the price is Rs. 550. (These are not real numbers, they are used just for illustration purposes)

In conclusion, super top-up health insurance plans are a great investment, especially in India. Most of the population live in joint families and hence have a massive amount to gain from these plans.