Health insurance form dekhte hi bohot log confuse ho jaate hain—sum insured, co-pay, deductible, exclusions, waiting period… Thoda simple language me samajh lo toh choices better ho jaati hain.
Sum insured: maximum amount jo policy ek saal me claim ke form me pay karegi. Co-pay: bill ka kuch percentage jo tumhe khud dena padega, baaki insurance cover karega. Example: 10% co-pay matlab 1 lakh ke bill pe 10,000 tum doge, 90,000 company.
Deductible: fix amount jo pehle tum bear karoge, uske baad hi insurance pay karegi. Ye often top-up policies me hota hai.
Waiting period: kuch diseases/conditions ke liye policy shuru hote hi claim nahi milta, unke liye certain months/ years wait hota hai—for example, pre-existing illness 2–4 saal baad cover hona.
Exclusions: wo cheezein jo policy kabhi cover hi nahi karegi—like cosmetic surgery, self-harm, some dental work, etc. Inko ignore mat karo.
Premium sirf kitna sasta hai, ye criteria mat rakho. Dekho network hospitals, claim process, pre- and post-hospitalisation cover, room rent limits kya hain.
Thoda time lagakar basics samajh loge, to future me hospitalization ke time shock kam milega.
Health insurance form dekhte hi bohot log confuse ho jaate hain—sum insured, co-pay, deductible, exclusions, waiting period… Thoda simple language me samajh lo toh choices better ho jaati hain.
Sum insured: maximum amount jo policy ek saal me claim ke form me pay karegi. Co-pay: bill ka kuch percentage jo tumhe khud dena padega, baaki insurance cover karega. Example: 10% co-pay matlab 1 lakh ke bill pe 10,000 tum doge, 90,000 company.
Deductible: fix amount jo pehle tum bear karoge, uske baad hi insurance pay karegi. Ye often top-up policies me hota hai.
Waiting period: kuch diseases/conditions ke liye policy shuru hote hi claim nahi milta, unke liye certain months/ years wait hota hai—for example, pre-existing illness 2–4 saal baad cover hona.
Exclusions: wo cheezein jo policy kabhi cover hi nahi karegi—like cosmetic surgery, self-harm, some dental work, etc. Inko ignore mat karo.
Premium sirf kitna sasta hai, ye criteria mat rakho. Dekho network hospitals, claim process, pre- and post-hospitalisation cover, room rent limits kya hain.
Thoda time lagakar basics samajh loge, to future me hospitalization ke time shock kam milega.
