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Health insurance is a policy that helps cover medical expenses in case of hospitalization, surgeries, or other healthcare needs. It ensures that you don’t have to bear the full cost of medical treatments and protects your finances during health emergencies. Having health insurance provides access to better healthcare facilities and peace of mind.

A cashless claim means you don’t have to pay for medical expenses out of pocket at the time of treatment. You can receive care at network hospitals, and the insurance company will settle the bills directly with the hospital, subject to the terms of your policy.

Network hospitals are hospitals that have a tie-up with your health insurance provider to offer cashless treatment. If you visit a network hospital, the insurance company will directly settle your bills for treatments covered under your plan.

An individual health insurance plan covers the medical expenses of only one person, while a family floater plan covers multiple family members under a single policy. The sum insured is shared among the members, making family plans more cost-effective.

Yes, most health insurance policies cover pre-existing conditions, but there is usually a waiting period (typically 2 to 4 years) before coverage begins. It’s important to check the waiting period and terms when choosing a plan.

A no-claim bonus (NCB) is a reward given by the insurer for not making any claims during a policy year. It often results in an increase in the sum insured for the following year without an increase in premium, or a discount on the renewal premium.

Yes, you can usually add new family members, like a spouse or a newborn child, to your existing family floater health insurance plan during the policy term or at the time of renewal. It's important to inform the insurance provider and update the policy accordingly.

The sum insured is the maximum amount your insurance company will pay for covered medical expenses during the policy term. It’s important to choose a sum insured that reflects the possible healthcare costs in your city or area.