The Misconception That Higher Premiums Mean Better Coverage Many families assume that paying more for health insurance guarantees better protection. While higher premiums often suggest extensive coverage, the truth is not all expensive policies offer the best benefits. Take, for example, a family of five considering a ₹36,000 annual health insurance plan. On the surface, it seemed like a great deal with a ₹10 lakh sum insured, but...
Health Insurance Coverage Isn’t Always What It Seems Many people believe that buying a high-value health insurance policy guarantees full financial protection. A ₹10 lakh or ₹20 lakh cover sounds reassuring, but what many policyholders don’t realize is that hidden clauses buried in fine print can drastically reduce claim amounts when a medical emergency strikes. Insurance policies are structured with technical terms, exclusions, sub-limits, and clauses that aren’t...
The Overwhelming Task of Choosing the Right Health Insurance Selecting the right health insurance policy is one of the most important financial decisions people make. But it’s also one of the most complex. With dozens of insurers, hundreds of plans, and countless technical clauses, it’s easy to get lost in policy jargon. People often struggle with: This lack of clarity can lead to costly mistakes, such as choosing...