Health Insurance — Complete Guide
A single hospitalization today can cost Rs 3 to 15 lakhs. Even if your employer provides health insurance, it disappears when you leave the job. Get a personal health plan: minimum Rs 5-10 lakh individual cover, family floater for dependents. Key things to check: Claim Settlement Ratio above 95%, network hospitals in your city, no room rent capping, restoration benefit. Pre-existing conditions must be disclosed honestly — hiding them leads to claim rejection. Buy young when premiums are low and no medical tests are needed. Top plans: Niva Bupa, Star Health, HDFC Ergo Optima Secure. Review your coverage every 3 years as healthcare costs rise.
Key Takeaway
Minimum Rs 10 lakh health cover for every family member. Check claim settlement ratio and network hospitals before buying.