FAQ
Frequently Asked Questions
Find answers to the most common questions about health insurance and policy comparison
What is health insurance?
Health insurance is a policy that helps cover medical expenses such as hospitalization, surgeries, treatments, and emergency care, reducing your financial burden during health emergencies.
Why is health insurance important?
Health insurance protects you from rising healthcare costs and ensures access to quality medical treatment without affecting your savings.
How do I choose the best health insurance plan?
Compare coverage, premium costs, network hospitals, claim settlement process, waiting periods, and additional benefits before choosing a health insurance plan.
What is cashless hospitalization?
Cashless hospitalization allows policyholders to receive treatment at network hospitals without paying upfront medical bills, subject to policy terms.
What is a waiting period in health insurance?
A waiting period is the time you must wait after purchasing a policy before certain illnesses or conditions become eligible for coverage.
What are pre-existing diseases?
Pre-existing diseases are medical conditions diagnosed before buying a health insurance policy. Coverage may begin after the specified waiting period.
Can I buy health insurance for my family?
Yes. Family floater health insurance plans provide coverage for multiple family members under a single policy
How much health insurance coverage do I need?
The ideal coverage depends on your age, family size, lifestyle, city, and healthcare expenses. Many experts recommend coverage of at least ₹10 lakh or more.
What is covered under a health insurance policy?
Most policies cover hospitalization expenses, surgeries, ICU charges, doctor consultations, ambulance services, and pre- and post-hospitalization costs.
What is not covered under health insurance?
Common exclusions include cosmetic treatments, self-inflicted injuries, non-prescribed treatments, and certain waiting-period illnesses..
Can senior citizens get health insurance?
Yes. Many insurance companies offer specialized health insurance plans designed for senior citizens with comprehensive medical coverage.