How to Buy Health Insurance in India: A Step-by-Step Guide for First-Time Buyers Health insurance has become a critical part of personal financial planning in India. With rising medical inflation, increasing lifestyle-related diseases, and the high cost of private healthcare, a single hospitalization can significantly strain your savings. Yet, despite its importance, many people delay … Read more
Health insurance in India is often marketed as “affordable,” yet many policyholders feel premiums are rising faster than their salaries. A family floater policy that once cost ₹8,000–₹10,000 now easily crosses ₹25,000–₹40,000 per year. So despite being a price-sensitive market, why is health insurance so expensive in India? The answer lies in medical inflation, claim … Read more
Choosing a health insurance policy is a critical financial decision, especially in a country like India where medical costs continue to rise every year. One of the most common and risky questions policy buyers ask is: “Should I hide pre-existing diseases while buying health insurance?” Some people fear rejection, higher premiums, or long waiting periods. … Read more
Introduction: Why Choosing the Right Health Insurance Plan Matters (This guide explains how to determine which health insurance plan is best for you, step by step, using practical and regulatory-backed criteria.) Rising healthcare costs are not limited to India alone. According to the World Health Organization (WHO), healthcare inflation impacts affordability worldwide, making health insurance … Read more
Why Health Insurance Company Profits Confuse Policyholders Health insurance often feels confusing to policyholders. Many people wonder: If insurance companies pay hospital bills, how do they still make profits? Are they relying on claim rejections, or is there a structured business model behind it? The reality is more nuanced. Health insurance companies operate on data, … Read more
Health insurance has become one of the most discussed financial products in India today. With rising healthcare costs, increasing disease prevalence, and limited public health spending, the question many Indians ask is simple yet crucial: “Is health insurance worth it in india?” This article dives deep into that question, covering benefits, limitations, costs, alternatives, and … Read more