Everything you need to know about getting health insurance

Are you someone who does not have health insurance? Or you do, but are wondering if you should switch plans, or worried that you missed out on something? In this special episode, we speak to Indian Express’ Anonna Dutt to discuss the A to Z of getting health insurance. We will break down jargon, consider all important factors, and bust myths to help you make an informed decision.Hosted, written and produced by Shashank BhargavaEdited and mixed by Suresh PawarTimestamps:How health insurance works (04:42)At what age should you get health insurance? (05:15)Is there an age limit? (06:45)Should one choose a public company or a private one? (07:28)What is a claim settlement ratio? (08:07)The importance of a good network of hospitals (08:58)How much coverage should you get? (09:50)What is a waiting period? (10:47)How much would you typically end up spending on health insurance? (12:06)Is the insurance provided by your workplace sufficient? (12:54)Benefits of sticking to an insurance plan (13:56)What factors determine your premium? (14:27)Why you should not lie when getting health insurance (15:45)Why almost no one covers OPD expenses (17:32)What do policies usually exclude? (19:34)How insurance companies avoid paying for mental health treatment (21:37)Are maternity-related expenses covered? (23:02)Are daycare procedures covered? (23:54)Discussing hospital room rents (25:32)Beware of Co-pay (26:08)How are pre- and post-hospitalization costs covered? (28:20)What is a no-claim bonus? (30:20)What are sub-limits? (31:02)Benefits and disadvantages of a family floater plan (31:57)Common reasons why claims get rejected (33:55)The types of individuals that insurance companies try to avoid (34:44)Key takeaways (36:39)Preparing for Civil Services? The Indian Express content that keeps you ahead of the curve is now available also  on IAS Saathi. This new AI-driven app provides you credible information and aims to keep a balance of study & health. Download today on Google PlayStore and Apple Appstore.https://play.google.com/store/apps/details?id=com.iassathi.IASsathi&hl=en