MAM
AndBeyond.Media appoints Dharika Merchant as company president
MUMBAI: AndBeyond.Media, announced the appointment of former Affinity executive Dharika Merchant to serve as President of the company, effective today. In her role, Merchant – a specialist in business development, product strategy and operations, will be focused on driving the execution of AndBeyond.Media’s strategic plan for expanding the businesses reach globally, and scale new heights with innovation to deliver operational excellence.
With in-depth industry experience, Dharika has had a long and successful track record overseeing and executing business strategy and expansion. She joins AndBeyond.Media from her long-standing stint at Affinity, where she spearheaded business teams and handled a multitude of product portfolios ranging from SEM, PPC and standard display to real-time bidding (RTB) and programmatic media buying. A digital maven with deep seeded skills in mobile marketing and media buying, she has provided her customer acquisition and relationship management expertise to a large spectrum of clients that include Direct Advertisers, Ad Networks, Affiliate Networks and Publishers, and has successfully helped businesses achieve their ambitions.
“As AndBeyond.Media forays into this new chapter of global expansion, I am confident that Dharika will effectively lead the business and help scale the company’s growth to its fullest potential,” said Karan Gupta, Chief Executive Officer at AndBeyond.Media. “Her strong management background and extensive leadership experience makes her the right person to oversee AndBeyond.Media’s future growth plans. Through the various positions she has held over the years, Dharika has proven to be an accomplished and trusted leader and brings to this position a strong reputation for developing teams and inspiring businesses to go beyond the ordinary. Her wealth of experience will truly serve as an asset as we continue to accelerate growth and attain new milestones.”
Talking about her new role Dharika Merchant, President, AndBeyond.Media said, “I’m thrilled to join AndBeyond.Media during this exciting time. AndBeyond.Media’s bespoke technology and solutions, I believe, are some of the finest innovative offerings in the programmatic advertising space. I look forward to working alongside Karan, Pankil and the company’s talented employees, and dedicated partners around the world to expand the reach of the business, drive greater value and challenge the limits of innovation”
“Dharika has built an impressive record of accomplishments through the years. Her proven ability to deliver results makes her the perfect choice to help execute our strategic ambitions and drive scalable, sustainable growth,” added Pankil Mehta, Chief Business Officer, AndBeyond.Media.
Merchant’s appointment comes closely on the heels of the appointment of Ashley King as VP Publisher Development and the launch of the New York City office – last week. These announcements come at a period of rapid expansion for the company’s business globally.
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.
