3 Things
Everything you need to know about getting health insurance
Jul 1, 2024
Health insurance expert Anonna Dutt from Indian Express breaks down the essentials of health insurance - age considerations, claim settlement ratios, hospital networks, coverage limits, waiting periods, and the importance of truthfulness. Learn about exclusions, OPD care limitations, maternity coverage, daycare procedures, room rent caps, copays, and strategies to optimize your health insurance policy.
38:52
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Quick takeaways
- Getting health insurance before 30 is ideal for lower premiums and coverage before health conditions develop.
- Understanding claim settlement ratios and hospital networks can help in choosing between public and private insurance companies.
Deep dives
The Importance of Health Insurance in India
Having good health insurance in India is crucial, especially for the middle class, as private healthcare costs are high and government schemes do not cover this segment well. Anuna Dutt underlines that health insurance can prevent financial ruin from medical emergencies like accidents or chronic illnesses. With 70-80% of healthcare provided by private sectors, having health insurance is vital to cover expenses that individuals may not be able to afford.
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