Everything you need to know about getting health insurance

Hosted, written and produced by Shashank Bhargava
Edited and mixed by Suresh Pawar

Timestamps:
01:50 – Why you should get health insurance
04:42 – How health insurance works
05:15 – At what age should you get health insurance?
06:45 – Is there an age limit?
07:28 – Should one choose a public company or a private one?
08:07 – What is a claim settlement ratio?
08:58 – The importance of a good network of hospitals
09:50 – How much coverage should you get?
10:47 – What is a waiting period?
12:06 – How much would you typically end up spending on health insurance?
12:54 – Is the insurance provided by your workplace sufficient?
13:56 – Benefits of sticking to an insurance plan
14:27 – What factors determine your premium?
15:45 – Why you should not lie when getting health insurance
17:32 – Why almost no one covers OPD expenses
19:34 – What do policies usually exclude?
21:37 – How insurance companies avoid paying for mental health treatment
23:02 – Are maternity-related expenses covered?
23:54 – Are daycare procedures covered?
25:32 – Discussing hospital room rents
26:08 – Beware of Co-pay
28:20 – How are pre- and post-hospitalization costs covered?
30:20 – What is a no-claim bonus?
31:02 – What are sub-limits?
31:57 – Benefits and disadvantages of a family floater plan
33:55 – Common reasons why claims get rejected
34:44 – The types of individuals that insurance companies try to avoid
36:39 – Key takeaways

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