हेल्थ इंश्योरेंस खरीदने से पहले ये 10 सवाल जरूर पूछें | Complete Guide 2026 | PolicyHub Insurance

Before buying health insurance, many people feel confused about which policy is right for them, what is actually covered, when pre-existing diseases are covered, how to check cashless hospitals, and whether the insurance company will really pay at the time of claim. For enquiry & expert guidance: https://www.policyhub.co.in/ If you also have these questions in your mind about health insurance, then this video is made for you. What we have covered in this video :- Let’s understand the answers to the top 10 questions related to health insurance. Q: What Does Health Insurance Cover? A: Health insurance helps protect you from the financial burden of medical emergencies, hospitalization, surgeries, doctor consultations, medicines, and diagnostic tests. Many plans also cover pre and post-hospitalization expenses, advanced treatments, and AYUSH care. Q: What Is a Pre-Existing Disease (PED) and When Is It Covered? A: A (PED) is any medical condition that exists before purchasing a health insurance policy, such as diabetes, hypertension, or asthma. Coverage for these conditions generally starts from 2 to 3 years depending on the policy. Buying health insurance early helps complete the waiting period sooner. Q: How to Check Cashless Hospitals? A: To check whether a hospital offers cashless treatment under your health insurance policy, visit the official website of your insurance company. Navigate to the Network Hospitals enter your PIN code, city, or location details. The website will display the list of empanelled hospitals where cashless hospitalization is available under your policy. Q: How Much Does Health Insurance Premium Cost? A: Health insurance premiums are not fixed and vary from person to person. Factors such as age, health condition, family size, city of residence, and chosen coverage determine the premium amount. Q: Are Day-Care Treatments Covered Under Health Insurance? A: Yes, most health insurance plans cover day-care treatments that do not require 24-hour hospitalization, including procedures like cataract surgery, dialysis, chemotherapy, and radiotherapy. Always review the day-care coverage details before choosing a health insurance plan. Q: What is the Room Rent Limit in Health Insurance? A: Room rent limit in health insurance is the maximum room category covered under your policy. Choosing a room above the allowed limit may result in claim deductions and higher out-of-pocket expenses. Q: How Does the Claim Settlement Process Work in Health Insurance? A: Claims can be settled through cashless treatment, where eligible expenses are paid directly to the hospital, or through reimbursement, where you claim expenses after payment. Keeping all medical documents ready helps ensure a smooth claim experience. Q: Does Health Insurance Cover Maternity Expenses? A: Maternity expenses are not covered under every health insurance policy. Plans with maternity benefits may cover delivery expenses, pregnancy-related complications, and newborn care, subject to waiting periods and policy limits. Q: What are Co-Payment and Aggregate Deductible in Health Insurance? A: Co-Payment and Aggregate Deductible are key health insurance clauses that impact your out-of-pocket expenses. A co-payment requires you to pay a fixed percentage of the claim amount, while an aggregate deductible is the amount you must pay first before your health insurance coverage begins. Q: What Is the Right Time to Buy Health Insurance? A: The right time to buy health insurance is when you are healthy. Buying early can help you secure better coverage, lower premiums, and complete waiting periods before unexpected medical needs arise. Health insurance provides essential financial protection and peace of mind for the future. 0:00 - Introduction 1:10 - (Q.1) What is Covered in Health Insurance? 2:14 - (Q.2) What is Pre-Existing Disease & When it is covered? 3:23 - (Q.3) - How to Check Cashless Hospitals? 4:27 - (Q.4) - What is the Premium of Health Insurance? 5:19 - (Q.5) - Are Daycare Treatments Covered Under Health Insurance? 6:10 - (Q.6) - What is Room Rent limit in Health Insurance? 7:26 - (Q.7) - How does the Claim Settlement Process work? 8:42 - (Q.8) - Are Maternity Expenses covered under Health Insurance? 10:02 - (Q.9) - What is Co-Payment & Aggregate Deductible in Health Insurance? 11:26 - (Q.10) - What is the Best time to buy Health Insurance? 12:23 - Can you get Health Insurance if you have Pre-Existing Disease? 📸 Instagram:   / policyhub_india   📸 Facebook:   / policyhubimf   #healthinsurance#policyhubinsurance #healthinsuranceagent #healthinsuranceexplained