What is Health insurance?

Health insurance is a contract between an individual and an insurance company that provides financial protection for medical expenses. The policyholder pays a premium to the insurance company, and in exchange, the insurance company covers medical expenses up to the sum insured.

Health insurance can help protect against the unexpected costs of hospitalization, critical illnesses, and other medical emergencies. It can cover a wide range of medical expenses, including surgery, medicines, doctor's consultations, room rent, and ambulance charges.

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How Health Insurance Works?

Like every kind of insurance policy, health insurance also helps you deal with the financial repercussions of an accident or emergency. Let's take a look at how health insurance actually works. The process starts when you apply to purchase a plan. Depending on your age, medical background, sum insured required and the type of plan youve selected, you will be provided with premium quotes. In some cases, you might be asked to do a few medical tests before the insurance provider decides whether they'd like to provide you with the required cover.

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Benefits of Health Insurance

Health insurance is a type of insurance coverage that helps pay for medical expenses. It can cover a variety of costs, such as doctor visits, hospital stays, surgeries, and prescription drugs.

Health insurance offers several key benefits:

Financial Protection:

Covers Medical Expenses: Health insurance helps pay for a wide range of medical expenses, including doctor visits, hospital stays, surgeries, medications, and more. This can significantly reduce out-of-pocket costs during a medical emergency or illness.

Protects Savings: Unexpected medical bills can quickly deplete savings. Health insurance acts as a financial safety net, preventing you from having to dip into your savings or incur significant debt.

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