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.