Health insurance provides peace of mind by protecting you and your family from high medical expenses. It ensures access to quality healthcare without financial strain, making it essential for long-term well-being.

Health insurance typically covers hospitalization, surgeries, prescription medicines, diagnostic tests, and pre- and post-hospitalization expenses. Some plans also include maternity benefits, critical illness coverage, and outpatient services.

Consider factors like age, medical history, family size, and budget. Look for plans with comprehensive coverage, cashless hospital networks, and additional benefits like wellness programs or annual health check-ups.

A pre-existing condition refers to a medical issue you had before buying the policy. Many insurers cover these conditions after a waiting period, so it’s important to check the terms and conditions while selecting a plan.