Having said that, what should you keep in mind before buying a health insurance policy?

What is health insurance?

Do I need health insurance?

How does my age affect my health insurance plan?

Types of Health Insurance Plans 

Health insurance plans can be broadly classified into three categories, depending on the coverage provided.

General health insurance plans

Specific health plans

Critical Illness Plans

Features of a Health Insurance Policy

The coverage for different ailments and disorders in a health insurance policy defines its value to you. The features of a health insurance policy are defined by this. It might include a blanket cover for common ailments or it might cover common ailments and other more complicated diseases and disorders. All these of course are available to you, if you are eligible for them. Needless to say, cover for specific diseases and disorders will cost you more.

Check out the following links that give you a perspective on the various features of a health insurance policy.

Critcal Illness Plan Exclusions

General Health Insurance Plan Exclusions

Benefits of claims free years

Coverage

This section deals with the coverage afforded by a health insurance policy. You get an idea of what your health insurance policy covers and the different types of covers that you can add on to a health insurance policy.

What are the different aspects that I should consider when buying a health insurance policy?

Does a health insurance plan cover any other facilities/expenses besides hospitalization costs?

What is the difference between a Health Insurance policy and a Critical Illness policy?

What is the difference between a Critical Illness Rider and a Critical Illness Plan?

I already have a medical policy with XYZ Insurance for the past four years. If I enroll today with another company, will I get continuous cover or will the cover start afresh?

I work in Mumbai while my wife and children reside in Delhi; my parents live in Jaipur. Can I insure all of them? How will my parents avail the cashless facility?

Illnesses covered by Critical Illness plans

Floater plans

When does the Critical Illness plan not cover the illnesses?

Claims 

Now that you have adequately provided for you and your family in terms of health insurance, you might want to be clear about your options and rights when the times comes to get the benefit. Emergency treatment, sudden surgery, all these might find you a little short on ready money. Your health insurance policy should help you big time here. Read on...

Can I buy insurance policies from different companies? How will they pay my claims?

How do I intimate the insurance company of my hospitalization if it is an emergency?

Will a health insurance policy provide for the loss of my earnings?

Are there any advantages of getting admitted to a hospital that the insurer has a tie-up with?

Cost, Premiums, Bonus, Discounts, Renewals 

Factors determining the cost of health insurance premiums, who bears the cost of medical check-ups, these are a few of the issues dealt with in this section.

Do I receive a discount if I buy the policy for my entire family together?

Is there any benefit if I renew my health policy on time?

FAQs 

We have made a list of frequently asked questions regarding the different aspects of health insurance. These have been divided into relevant sections for your convenience. A quick glance through these will help you to understand and negotiate different situations that might arise specifically for you.

Health Insurance FAQs about Coverage

Health Insurance FAQs about Claims

Health Insurance FAQs about Premiums

Miscellaneous Health Insurance FAQs