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Health insurance is a financial product that covers medical expenses for hospitalization, surgeries, and treatments based on the policy’s sum insured and coverage.

Individual, family floater, group, senior citizen, critical illness, and top-up plans.

Any illness you had before buying the policy. Covered after a waiting period of 2-4 years.

The time before certain treatments are covered. Usually 30 days for new policies, 2-4 years for pre-existing diseases.

The insurer pays directly to a network hospital. You only pay non-covered expenses.

A reward for no claims, given as a sum insured increase or a renewal premium discount.

Yes, but with a waiting period of 9 months to 4 years, depending on the policy.

Yes, you can claim from multiple policies, starting with one and using another if needed.

Cosmetic surgery, dental care (unless accident-related), self-inflicted injuries, drug abuse, and alternative treatments.

Choose higher deductibles, stay healthy, opt for a family floater, and use No Claim Bonus benefits.