Health Insurance Kaise Choose Karein? (India)
Beginners & Families ke Liye Practical Guide
Aaj ke time me medical expenses itne zyada ho gaye hain ki ek chhoti si hospitalization bhi lakhs me cost kar sakti hai.
Phir bhi bahut log health insurance ko ya to ignore kar dete hain, ya galat policy choose kar lete hain.
Is blog me hum simple language me samjhenge:
Health insurance kyun zaroori hai
India me kaun-si policy kaise choose karein
Beginners aur families ke liye practical checklist
Health Insurance Kya Hota Hai?
Health insurance ek aisi policy hoti hai jo:
Hospitalization
Surgery
Major treatments
ke kharch ko insurance company cover karti hai, jisse aapko pocket se zyada paisa dena nahi padta.
📌 Ye investment nahi, financial protection hai.
Health Insurance Kyun Zaroori Hai? (Especially Salaried Logon ke Liye)
Medical inflation 10–15% per year hai
Emergency me savings aur investments toot jaate hain
Cashless treatment ka option milta hai
👉 Health insurance hona matlab:
Emergency me paison ki tension kam ho jaati hai.
📌 Emergency planning ke context me ye blog bhi helpful hai:
👉 Emergency Fund Kaise Banayein (Salary ke Sath)
🔗 https://infiniteinsights2025.blogspot.com/2026/02/emergency-fund-kaise-banayein-salary-ke.html
Step 1: Individual ya Family Floater – Kya Choose Karein?
🔹 Individual Plan
Single person ke liye
Premium thoda zyada hota hai
🔹 Family Floater Plan
Family (self, spouse, kids, parents) cover
Ek hi sum insured sabke liye
📌 Young families ke liye family floater zyada cost-effective hota hai.
Step 2: Right Sum Insured Kaise Decide Karein?
India ke liye general thumb rule 👇
Metro cities: ₹10–15 lakh
Non-metro cities: ₹5–10 lakh
👉 Sirf ₹2–3 lakh ka cover aaj ke time me insufficient hota hai.
Step 3: Hospital Network (Cashless Facility) Check Karein
Policy lene se pehle check karein:
Aapke city me network hospitals kaunse hain
Cashless treatment available hai ya nahi
📌 Cashless network achha hoga to emergency me kaafi ease milti hai.
Step 4: Waiting Period & Exclusions Samjhein
Har policy me kuch waiting periods hote hain:
Maternity benefits
Certain surgeries
👉 Policy lene se pehle policy wording zaroor padhein.
Step 5: Claim Settlement Ratio (CSR) Dekhna Zaroori Hai
Claim settlement ratio batata hai:
Company kitne claims settle karti hai
📌 Higher CSR = better reliability
(Generally 95%+ achha maana jaata hai)
Step 6: Premium vs Coverage Balance
Sabse sasti policy best nahi hoti
Aur sabse mehngi bhi zaroori nahi.
👉 Balance dekhein:
Adequate cover
Reasonable premium
Add-ons (room rent waiver, no claim bonus)
Common Mistakes Jo Log Karte Hain
Sirf employer health insurance par depend rehna
Low sum insured lena
Policy documents na padhna
Health insurance ko investment samajhna
📌 Yaad rakhein:
Health insurance ka kaam paisa bachana nahi, paisa protect karna hai.
Health Insurance + Financial Planning
Health insurance tab aur effective hota hai jab:
Emergency fund ready ho
SIP / long-term investment alag se chal rahi ho
📌 Overall financial planning ke liye ye blog padhein:
👉 ₹25,000–₹40,000 Income Ke Liye Exact Investment Plan
🔗 https://infiniteinsights2025.blogspot.com/2026/02/2500040000-income-ke-liye-exact.html
Final Thoughts 💙
Health insurance lene ka best time:
👉 Aaj (jab aap healthy ho)
Late lene par:
Premium zyada hota hai
Waiting period issues aate hain
Aaj li gayi sahi policy,
kal aapki financial peace of mind ban jaati hai.
