Health insurance form me itne terms hote hain ki log usually agent pe pura trust karke sign kar dete hain. Thoda basic language me inko samajh loge to claim ke time surprises kam milenge.
Sum insured – maximum amount jo policy ek saal me pay karegi. Premium – jo tum har year (ya month) company ko pay karte ho. Low premium acha lagta hai, par agar sum insured very low ho, to bade claim me pocket se heavy pay karna pad sakta hai.
Co-payment – bill ka certain percentage jo tumhe khud pay karna hota hai. Jaise 20% co-pay, to 1 lakh bill me 20,000 tumhare, 80,000 company. Deductible – fixed amount jo tum khud pay karoge before insurance kicks in.
Waiting period – kuch conditions (like pre-existing diseases, maternity) ke liye kuch saal tak coverage nahi milta. Isko ignore karne se later disappointment pakka hai. Network hospitals list bhi dekhni chahiye, taaki cashless options samajh aa sakein.
Policy buy karne se pehle apni medical history honestly mention karna important hai. Conceal karoge to claim time investigation me problem a sakti hai.
Short me, health insurance emergency ke time financial shield hai, lekin sirf tab jab tum uski language roughly samajh ke choose karo.