5 Health Insurance Mistakes That Cost You Lakhs!

5 Health Insurance Mistakes जो आपको लाखों का नुकसान करा सकती हैं!

Buying health insurance is easy, but choosing the RIGHT health insurance? That's where most people make expensive mistakes!
In this video, I'm breaking down the 5 biggest health insurance mistakes that can cost you lakhs of rupees during claim settlement. Whether you're searching for the best health insurance for your family, comparing health insurance plans, or planning to renew your existing policy, these tips will help you avoid claim rejection and unexpected out-of-pocket expenses.

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⏱️ Video Timestamps:
0:00 - Why Today's Video matters ?
00:51 Mistake 1
02:38 Mistake 2
06:58 Mistake 3
08:43 Mistake 4
10:32 Mistake 5

🔍 Key Health Insurance Terms Explained:
Co-payment clause: Understanding percentage-based deductions on claims
Room rent capping: How proportionate deduction affects your entire claim amount
Disease-wise sublimits: Hidden limits on specific treatments and surgeries
Sum insured: Choosing adequate coverage based on medical inflation
Pre-existing diseases (PED): Waiting periods and disclosure requirements
Claim rejection reasons: Common mistakes that lead to denied insurance claims
No claim bonus: How it affects your coverage over time
Policy wordings: Reading the fine print before buying health insurance

💡 How to Find the Best Health Insurance Plans:
When looking for the best health insurance, don't just compare premiums. The best health insurance for family should have no room rent capping, zero co-payment, no disease-wise sublimits, and adequate sum insured. Medical inflation in India is running at 10-15% annually, making it crucial to buy sufficient health insurance coverage. A minimum of ₹10 lakhs sum insured for individuals and ₹15-20 lakhs for families is recommended in metro cities.
The best health insurance plans offer comprehensive coverage without hidden restrictions. When comparing health insurance options, focus on guaranteed base coverage that every insurer must renew regardless of health conditions, not just cumulative bonuses that disappear when you port or migrate policies.

🎯 Who Should Watch This Video:
First-time health insurance buyers looking for the best health insurance guidance
Families comparing health insurance plans for comprehensive coverage
People searching for the best health insurance for family with adequate sum insured
Anyone planning to port or upgrade their existing health insurance
Individuals who want to understand health insurance claim process
Those concerned about medical expenses and claim rejection


✅ Best Health Insurance Buying Practices:

Compare multiple health insurance policies to find the best health insurance
Read policy documents and understand exclusions
Choose the best health insurance plans with no room rent capping
Avoid disease-wise sublimits for comprehensive coverage
Disclose all pre-existing medical conditions honestly
Buy health insurance early to get better premiums and coverage
Select the best health insurance for family based on actual medical needs
Review your sum insured every 3-5 years based on medical inflation

🏥 Finding the Best Health Insurance for Your Family:
The best health insurance for family should cover all members adequately without compromising on essential features.

The best health insurance isn't always the most expensive - it's the one that provides comprehensive coverage matching your family's specific health needs and budget.
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