Health insurance is a type of financial protection that helps cover the cost of medical and surgical expenses. It acts as a safety net during health emergencies by reimbursing or directly settling hospital bills. Policies can be individual or family-based and come with various coverage limits. Having health insurance ensures timely access to quality healthcare without worrying about high treatment costs. It also provides peace of mind and helps in better health planning.

A standard health insurance policy usually covers hospitalization expenses including room rent, surgery costs, and ICU charges. It often includes doctor consultation fees, diagnostic tests, ambulance charges, and day-care procedures. Many policies also cover pre- and post-hospitalization expenses for a defined period. Some advanced plans offer wellness benefits, free health check-ups, and maternity coverage. The extent of coverage depends on the type and sum insured of the policy.

Yes, most health insurance policies come with a waiting period before you can make a claim. Typically, this initial period is 30 days from the policy start date, except for accidental emergencies. For specific illnesses like hernia, piles, or cataracts, the waiting period may range from 1 to 2 years. Pre-existing diseases usually have a longer waiting period, often up to 3–4 years. It’s important to read the policy document to understand all waiting periods clearly.

Yes, health insurance providers offer family floater plans that cover multiple family members under one policy. These plans are usually more affordable than taking separate individual policies. You can typically include your spouse, dependent children, and sometimes parents. The entire family shares a common sum insured, which can be used by any insured member. It’s a flexible and cost-effective way to protect your whole family’s health needs under one umbrella.