Insurance Guides

Learn how to compare coverage, sum insured, waiting periods, hospital network, and exclusions before choosing a health insurance plan.

• Understand your coverage needs.

• Check sum insured and waiting periods.

• Review network hospitals and exclusions.

Avoid common mistakes like late claim intimation, incomplete documents, non-disclosure, and not reading policy conditions before making a claim. 

• Inform the insurer on time.

• Keep documents complete and accurate.

• Read exclusions, co-pay, and sub-limits carefully.

Before buying a policy, check what is covered, what is excluded, waiting periods, claim support, premium affordability, and policy conditions. 

• Don’t choose based on price alone.

• Review inclusions, exclusions, and co-payment clauses.

• Check claim history and service quality.

Understand simple insurance terms like premium, deductible, co-payment, sum insured, exclusions, and claim so you can read policies with more confidence. 

• Premium: what you pay for the policy.

• Deductible: what you pay before coverage starts.

• Co-pay: your share of the claim cost or covered expense.