Consumer path
Understand Your Health Insurance
Learn the basics of health insurance, understand important policy terms, claims, coverage and the questions you should ask before making an insurance decision.
Free to read. No login required.
Start here
What health insurance is meant to do, and how it works in practice.
1. Health insurance basics
The vocabulary you need before reading any policy document.
2. Understanding your policy
Reading your own document instead of relying on a summary.
3. Coverage and sum insured
How much cover is realistic, and how to extend it sensibly.
- Is ₹5 lakh enough?Choosing a sum insured that matches your city and hospital.
- What is a super top-up?Raising total cover above a deductible at a lower cost.
- Floater or individual?How a shared sum insured behaves during a large claim.
- Estimate your coverageUse the coverage estimator to get a starting figure.
4. Important policy terms
The three conditions that quietly change what you pay.
5. Claims
How a claim actually moves, and where it usually goes wrong.
6. Cashless treatment
What cashless approval covers — and what it does not.
7. Renewal and policy management
Keeping cover continuous and appropriate year after year.
8. Making better insurance decisions
Turning what you have learnt into decisions for your family.
- Review your cover every yearWhy last year's policy may not fit this year's life.
- Should you cover your parents?Floater versus separate senior-citizen cover.
- Does your family know how to use the policy?The information your family needs before an emergency.
- Get a free policy reviewHave your existing cover explained, with no obligation.
Finished the path?
Apply it to your own policy with a free review — we read the details with you and explain them in everyday language.
Request a free policy review