Insurance Gyani Presenting for you
a Health Insurance Guide: Simple & Clear

Health insurance ka main purpose hai aapke medical kharche cover karna jab aap ya aapka family member bimaar ya injured ho. Aap ek yearly premium bharte ho, aur insurer aapke hospital bills ko pay karta hai. Lekin sabhi policies ek jaise nahi hote – thoda samajh kar lena zaruri hai.

⚠️ 1. Co-Payment se Bachke

Kuch policies premium kam dikhane ke liye co-payment condition lagati hain. Matlab bill ka ek % aapko khud dena hoga.
👉 Example: Agar 20% co-pay hai aur bill ₹2 lakh ka hai, to ₹40,000 aapko khud dena padega.
❌ Sirf senior citizens ya high-risk health cases ke liye hi co-pay consider karein.

🏥 2. Room Rent Limit
Aksar policies me room rent limit hoti hai, jaise ₹5,000 per day. Agar aap ₹10,000/day ka room choose karte ho, to poore bill ke reimbursement proportionately cut ho jaata hai.
👉 Always choose policy with no room rent cap.

💳3. Super Credit (NCB Booster)

👉 Har saal agar aap claim-free rehte ho, to aapka Sum Insured 100% fix badhta hai.
👉 Yeh benefit 5 saal tak continue hota hai aur aapka coverage maximum 500% tak badh sakta hai.

✅ Example: Agar aap ₹5 lakh se start karte ho aur 5 saal tak claim nahi karte, to aapka cover ₹25 lakh tak badh jayega – bina extra premium diye.
Matlab: Premium wahi – Coverage 5x zyada!

🧘4. Wellness Discount (Health Returns)

👉 Agar aap healthy lifestyle follow karte ho (fit rehte ho, steps complete karte ho, health check-ups karate ho) to aapko Health Points milte hain.
👉 Ye points convert hote hain premium discount me – aur aapka next year renewal premium 100% tak waived off ho sakta hai.

✅ Example: Agar aapne ₹20,000 premium diya tha aur poore saal fit rahe, to agle saal aapko renewal bilkul free mil sakta hai.
⚡ Matlab: Healthy raho, Free Insurance pao!

❤️ 5. Disease-Wise Sub-Limits

Kuch policies specific illness (jaise heart surgery, knee replacement) ke liye limit set kar deti hain. Chahe aapke paas 10 lakh cover ho, lekin sub-limit ke wajah se aapko apne pocket se paisa dena padega.
👉 Best policy = No disease-wise sub-limits.

🕐 6. Waiting Period

Diabetes, BP jaise pre-existing diseases usually 2–4 saal ke waiting period ke baad cover hote hain.
👉 Choose plan with shortest waiting period and always disclose health history honestly.

💊 7. Pre & Post-Hospitalization Coverage

Sirf hospital bill hi bada kharcha nahi hota – tests, medicines, doctor visits before & after hospitalization bhi costly hote hain.
👉 Achi policy kam se kam 30 din pre & 60 din post-hospitalization cover karti ho.

🔄 8. Restoration Benefit

Agar ek bade claim ke baad aapka sum insured khatam ho gaya, to baki saal ke liye protection kam ho jaata hai.
👉 Restoration benefit wale plans me claim ke baad bhi cover auto-restore ho jata hai.

🧪 9. Daycare Treatment Coverage

Aaj kal bahut saare treatments (jaise cataract, dialysis, chemo) bina admit kiye ho jate hain.
👉 Ensure ki policy daycare treatments bhi cover kare.

👨‍💼 10. Expert Guidance Zaruri Hai

Health insurance market me 20+ companies aur 100+ plans hote hain. Har ek ki terms alag hoti hain.
👉 Apne trusted advisor/Insurance Gyani se comparison karke best plan choose karo.

✅ Quick Checklist Before You Buy

❌ No co-payment (unless necessary)
❌ No room rent cap
❌ No disease-wise sub-limits
⏳ Short waiting period for pre-existing diseases
💊 Pre & post-hospitalization covered
🔄 Restoration benefit included
🧪 Daycare treatments covered
🏥 Wide network of cashless hospitals

📌 Insurance Gyani Advice: “Sasta premium dekh ke compromise mat karo. Ek baar claim time par dikkat ho gayi to saari savings bekaar ho jaayegi. Always go for balanced premium + strong coverage.”