This is where most misunderstandings happen.

Many policies do not fully cover:

This does not mean the policy is bad.
It means you must know the rules before trusting it.

Many people say:
“I already have health insurance.”
That sentence alone means nothing.
What matters is:

• how much coverage you have
• what conditions apply
• how the company behaves during claims
• how much you still have to pay from your pocket

Two people may have:

• the same company,
• the same sum insured,

and still have very different claim experiences.

The most common mistake is this:

Choosing a policy based on premium or popularity.

Lower premium does not always mean smarter choice. A famous company does not automatically mean smoother claims.
A policy can look perfect on paper and still fail you in the hospital.

There is no single “best policy”.

A good policy depends on:

• your age
• your parents’ age
• existing medical conditions
• how often you visit doctors
• your city and hospital preference
• your financial comfort during emergencies.

A policy that works brilliantly for one person can be risky for another.
This is why generic advice often fails.

Health insurance is not tested:

• when you buy it
• when you renew it
• when you see the policy document.

It is tested:

• when someone is admitted
• when the hospital sends the bill
• when the insurer approves or reduces the claim.

That moment decides everything.

A good experience means:

• cashless approval without panic
• minimal paperwork
• predictable deductions
• no sudden exclusions
• no shocking out-of-pocket expenses.

This happens only when the policy is chosen correctly.

You don’t need to become an insurance expert.
But you do need to understand the basics well enough to ask the right questions.

This Knowledge Hub exists for exactly that reason:

• to help you understand
• to help you think clearly
• to help you avoid silent mistakes.