At what age should you purchase health insurance?

The earlier you buy, the better it will be. Ideally, it is recommended to buy the health insurance policy in your 20s or 30s when premiums are lower.

What are the types of health insurance?

Common types include individual, family floater, senior citizen, critical illness, and top-up plans.

How to apply for health insurance?

Apply online via the insurer’s website or offline through agents. To buy the policy, you will require basic KYC and health documents.

What if I am dissatisfied with my policy?

In case of dissatisfaction, you can raise a complaint with customer care or escalate it to IRDAI via the IGMS portal.

What does hospitalisation cover include?

It covers room rent, ICU, doctor’s fees, surgeries, medicines, diagnostics, ambulance, and nursing costs.

Is it possible to include family members in my current health insurance policy?

Yes, family floater plans allow adding spouse, children, or parents by paying an extra premium. _**Disclaimer:** The information shared in this blog is intended solely for general awareness and should not be considered a substitute for professional medical advice, diagnosis, or treatment. Always seek the guidance of a qualified healthcare provider for personalised recommendations and care._

Understanding Health Insurance: A Beginner’s Guide

Q: What is health insurance?

Health insurance is a contract where the insurer covers your medical or hospital expenses in return for a premium.

Published on 11 JUL 26 | 10 MIN READ

Authored by Team Prudential

Table of Contents

Understanding Health Insurance: A Beginner’s Guide

What is Health Insurance?

Types of Health Insurance Plans

Key Benefits of Health Insurance in India

Why Do You Need Health Insurance?

How Does a Health Insurance Policy Work?

How to Choose the Best Health Insurance Plan?

Conclusion

FAQs