MAM
AdAsia 2021: Ramesh Narayan inducted into AFAA Hall of Fame
Mumbai: Canco Advertising founder and Indian advertising doyen Ramesh Narayan was inducted into the prestigious Asian Federation of Advertising Associations (AFAA) Hall of Fame at the inaugural session of the AdAsia conference being held at Macao between 3 and 4 December.
Thanking AFAA for the honour, Narayan said, “I have had the amazing experience to be a part of an industry that keeps the wheels of our economies moving. That ensures more employment across the world. That gives individuals the right to choose. That educates, and entertains and spreads awareness.”
The first day of the conference being held as a virtual event this year, was streamed into a hybrid event held at Mumbai to present the AFAA awards.
The event also saw Pradeep Guha posthumously inducted into the AFAA Hall of Fame for 2019 and Srinivasan Swamy being presented with the AFAA Special Merit Award for 2019. Swamy was recently elected AFAA chairman for a term of four years.
“The AFAA Hall of Fame sets out to recognise the best of the very best. It’s for those who’ve defined a generation of advertising. Those who we look up to, who inspire us. Who have done what few others have ever done or could ever do. For those who have pioneered. Those who have been on top, stayed there and will always be there. The very few we can call legends,” said outgoing AFAA chairman Raymond So.
Narayan has earlier been honoured by the Advertising Agencies Association of India (AAAI) with their Lifetime Achievement Award, the International Advertising Association (Global) with their Global Champion Award, the India Chapter of the IAA with an induction into their Hall of Fame, the Public Relations Society of India with their Special Award, and the Association of Business Communicators of India (ABCI) with their Lifetime Achievement Award.
When you plan to buy medical insurance for your family, the first question is often about savings. You may assume that buying online automatically means paying less, but that is only part of the picture. The real issue is not just whether the premium looks lower, but whether the policy gives you suitable family health insurance without adding avoidable costs later.
Buying online can sometimes appear more budget-friendly because you can compare plans, review features, and complete the process without depending entirely on offline assistance.
Still, a lower visible price does not always mean better value. To understand whether you can truly save more, you need to look at the full buying experience and the policy terms together.
Why Online Purchase Can Look More Economical
When you explore family health insurance online, you usually get access to plan details in a more direct and organised way. This can make the buying journey feel simpler and more transparent.
A few reasons online purchases may seem cost-effective include:
● Easier comparison of policy features
● Direct access to premium details
● The ability to review inclusions and exclusions at your own pace
● Fewer chances of making a rushed decision
● More control over the plan selection process
This does not mean every online option is automatically cheaper. It simply means the online route may help you assess choices more carefully, and that itself can influence how much value you get from the policy you choose.
Saving Money is Not Only About a Lower Premium
A lower premium often catches your attention first, but that should not be the only measure of savings. If you buy medical insurance based only on what looks affordable at the start, you may overlook conditions that matter later.
A family health insurance policy should be judged on overall value, including:
● The scope of cover
● Waiting period terms
● Exclusions
● Room eligibility conditions
● Sub-limits, if any
● Claim-related terms
● Renewal conditions
If the premium is lower but the policy has stricter internal conditions, the apparent saving may not feel meaningful when you actually need hospitalisation support.
So, the better question is not only whether online purchase costs less, but whether it helps you select a plan that remains financially sensible over time.
Comparing Plans Online Can Prevent Overspending
One clear advantage of the online route is that it allows you to compare different options without pressure. This can help you avoid paying for features you may not need or missing features that matter for your family.
Before you buy medical insurance online, look closely at:
● Who can be covered under the plan
● How the sum insured works for the family
● Whether day care procedures are included
● How pre-existing illness rules are explained
● Whether add-ons are optional or built in
● How clearly the policy wording is presented
This level of comparison can support better decision-making. In many cases, savings come not only from the premium itself but from choosing a policy with fewer surprises.
Online Discounts Should be Viewed Carefully
Online discounts can make a plan look attractive, but they should always be read alongside the policy details. A discount may reduce the upfront cost, yet the true worth of the policy depends on what it covers and how it responds during a claim.
When reviewing discounted online plans, check whether the policy has:
● Treatment-specific limits
● Room rent restrictions
● Co-payment clauses
● Disease-wise waiting periods
● Claim deductions linked to the hospital category
● Limited cover for selected benefits
These points are important because a policy that looks cheaper at purchase may involve more out-of-pocket spending later. That is why discount-led buying should be replaced with detail-led buying.
Final Thoughts
Yes, buying online can sometimes help you save more when choosing family health insurance, but only if you look beyond the headline price. The online route may give you better visibility, easier comparison, and more time to review the policy terms.
That can support smarter choices and may reduce the chances of paying for a plan that does not suit your family well.
If you want to buy medical insurance online, treat savings as more than a discount. The real advantage lies in choosing family health insurance that balances affordability, clarity, and meaningful coverage for your household.
