𝐇𝐄𝐋𝐓𝐇 𝐈𝐍𝐒𝐔𝐑𝐀𝐍𝐂𝐄

𝐇𝐞𝐚𝐥𝐭𝐡 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐭𝐮𝐫𝐧𝐬 𝐡𝐨𝐬𝐩𝐢𝐭𝐚𝐥 𝐛𝐢𝐥𝐥𝐬 𝐢𝐧𝐭𝐨 𝐩𝐞𝐚𝐜𝐞 𝐨𝐟 𝐦𝐢𝐧𝐝. 𝐒𝐭𝐚𝐲 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐞𝐝, 𝐥𝐢𝐯𝐞 𝐟𝐫𝐞𝐞! 𝐂𝐥𝐢𝐜𝐤 𝐭𝐡𝐞 𝐥𝐢𝐧𝐤 𝐭𝐨 𝐠𝐞𝐭 𝐬𝐭𝐚𝐫𝐭𝐞𝐝.

🩺 Step 1: What is Health Insurance?

Health Insurance is a policy that covers your medical expenses if you fall sick or meet with an accident.

> ✅ Covers costs like hospital admission, surgery, medicines, tests, etc.

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💡 Step 2: Why is Health Insurance Important?

1. Medical treatment is becoming very expensive

2. Saves your hard-earned savings during emergencies

3. Gives peace of mind

4. Offers tax benefits under Section 80D

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🧾 Step 3: What Expenses Are Covered?

Expense Type Covered?

Hospitalization Charges ✅ Yes

Surgery / Operation ✅ Yes

ICU / Oxygen / Lab Tests ✅ Yes

Medicines ✅ Yes

Pre-hospital expenses ✅ Yes (up to 30 days)

Post-hospital expenses ✅ Yes (up to 60–90 days)

OPD (Doctor Visit) ❌ Not always (Only in some plans)

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👨‍👩‍👧‍👦 Step 4: Who Can Be Covered?

Yourself (Individual Plan)

Family (Spouse, Children – Family Floater Plan)

Parents / In-laws (Senior Citizen Plan)

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💰 Step 5: How Much Premium To Pay?

Depends on age, health, sum insured

Example: ₹5 lakh cover may cost ₹5,000–₹10,000 per year

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🔍 Step 6: How To Choose The Right Plan?

1. How many network hospitals are included?

2. Claim settlement ratio (should be high)

3. Coverage amount: ₹5 lakh or ₹10 lakh?

4. Cashless facility available or not

5. Waiting period for diseases (like 30 days or 2 years for existing illness)

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📦 Step 7: Where To Buy Health Insurance?

Through official company websites (e.g., LIC, Star Health, etc.)

Through a licensed agent or DSA (like yourself)

From banks

Always buy from IRDAI-approved companies

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✅ Step 8: How To Claim Insurance?

Two types of claims:

1. Cashless Claim:

Show your health card in a network hospital. The company pays directly.

2. Reimbursement Claim:

You pay the hospital first, then submit bills to the insurance company to get refunded.