Our Terms & Conditions | Our Privacy Policy
As the Indian healthcare landscape becomes more connected, tech innovations are redefining how we experience health insurance, from purchase to claim.
Highlights
- Digital-first insurers are removing paperwork and long wait times
- Real-time claims, mobile apps, and health tracking are becoming mainstream
- Among digital-first clients, up to 70% now prefer mobile apps to buy or manage health and general insurance
You may not think about health insurance every day, but when you need it, you want it to work quickly, clearly, and without extra stress.
Until recently, insurance in India meant paperwork, phone calls, and delays. Today, that is changing. Technology is reshaping how we buy, manage, and use health insurance. From mobile apps and instant claims to wellness tools and digital health records, digital-first providers like ACKO insurance are moving fast to make health cover more useful, more accessible and more aligned with daily life.
Let’s take a look at how this shift is unfolding and what it means for you and your family.
From One-Time Buying to Ongoing Support
In the past, buying health insurance often meant visiting agents, comparing brochures, and filling out long forms. Claims were even more stressful, dealing with delayed responses, repeated document requests, and long phone calls.
That mindset is changing. Today, technology allows insurers to stay connected with you throughout the year, not just when it is time to renew or claim. It helps you:
- Choose the right plan based on age, health, and family needs
- Track your coverage or balance in real time
- File claims digitally with minimal paperwork
- Get health reminders and updates through mobile apps
1. Digital Platforms Are Changing How You Buy Insurance
Modern insurance providers are no longer just selling policies; they are building digital platforms that offer full control over your plan. With ACKO Medical Insurance, for instance, users can compare plans, buy coverage, track claims, and receive health tips all in one place.There is no need to visit an agent or send emails. Everything happens through a smartphone, reducing delays and increasing transparency.
2. Claims Are Getting Faster, Simpler, and Smarter
Claims used to be one of the most frustrating parts of health insurance. Delays, missing documents, repeated calls, the entire process often added stress to already difficult situations. Today, many insurers are using automation, AI, and real-time data checks to simplify this process. You can:
- Upload documents directly from your phone
- Receive instant verification for simpler claims
- Track claim status live, without having to follow up
According to a 2024 industry report, AI tools are now able to process up to 70 percent of simple health insurance claims instantly, significantly reducing turnaround times and administrative costs.
3. Why One-Size-Fits-All Doesn’t Work Anymore
Not everyone needs the same type of insurance. A young couple with a child may need maternity and paediatric cover, while a senior citizen may require support for chronic conditions.With the help of AI and data analysis, insurers can now offer plans that match your unique profile. Factors like age, medical history, and lifestyle are considered to recommend relevant plans, not just the most expensive ones.
4. How Wellness Tracking Is Becoming Part of Insurance
One of the most powerful shifts driven by technology is the focus on preventive care. Instead of waiting for illness to happen, insurers now use apps and wearables to encourage healthy living. You may receive:
- Health check-up reminders
- Tips on diet, sleep, or fitness
- Rewards for walking or completing health goals
- Discounts for maintaining good health scores
5. The Role of ABHA and India’s Health Tech Push
Government initiatives are also helping this transformation. The ABHA (Ayushman Bharat Health Account) ID is making it easier to store and share medical records securely. When linked with insurance, it can help:
- Reduce duplicate tests
- Speed up claim decisions with verified history
- Enable smarter underwriting of policies
India’s broader health-tech market is also set to grow rapidly. A NITI Aayog report estimates that India’s health-tech sector will reach USD 50 billion by 2033, with AI and automation driving most of the growth.
What Insurers Are Already Doing with Tech
How This Tech Shift Affects Your Insurance Experience
Health insurance in India is no longer just a backup plan for medical emergencies. With technology leading the way, it is becoming a daily support system that works quietly in the background.
For families, this means fewer forms and faster claims. For working professionals, it offers round-the-clock help through chat or apps. For senior citizens, it brings better visibility into health history and simpler plan selection.
Most importantly, tech-driven insurance is helping reduce delays, remove confusion, and build trust. As digital tools like ABHA IDs and app-based services grow, insurers are showing what modern health cover can look like.
Disclaimer – The above content is non-editorial, and ET Healthworld hereby disclaims any and all warranties, expressed or implied, relating to it, and does not guarantee, vouch for or necessarily endorse any of the content.
- Published On Aug 21, 2025 at 04:03 PM IST
Join the community of 2M+ industry professionals.
Subscribe to Newsletter to get latest insights & analysis in your inbox.
All about ETHealthworld industry right on your smartphone!
Images are for reference only.Images and contents gathered automatic from google or 3rd party sources.All rights on the images and contents are with their legal original owners.
Aggregated From –
Comments are closed.