Health insurance ko lekar logon ke dimaag me bahut saare myths (galatfahmiyan) hoti hain. In myths ki wajah se log ya to policy late lete hain ya galat expectations rakhte hain, jiska result claim rejection ya financial loss hota hai. Is article me hum sabse common myths aur unke clear, practical answers denge.
Myth 1: “Company Cashless Hai To Sab Free Hota Hai”
Reality: Cashless ka matlab sirf itna hai ki hospital aur insurer directly settle karte hain. Non-payable items, deductions, aur limits aapko khud pay karni pad sakti hain.
Myth 2: “Young Age Me Health Insurance Ki Zarurat Nahi”
Reality: Young age me policy lene se:
- Premium kam hota hai
- Waiting period jaldi complete hota hai
- Future diseases cover ho jaati hain
Isliye early planning sabse smart step hai.
Myth 3: “Employer Health Insurance Kaafi Hai”
Reality: Corporate policies:
- Job change par khatam ho jaati hain
- Coverage limited hota hai
- Family ke liye insufficient ho sakta hai
Personal policy zaroori hoti hai.
Myth 4: “All Diseases First Day Se Covered Hoti Hain”
Reality: Health insurance me:
- 30 days initial waiting
- Specific disease waiting
- Pre-existing disease waiting
Ye sab normal rules hain.
Myth 5: “Room Rent Sirf Comfort Hai”
Reality: Room rent limit poore hospital bill ko affect kar sakti hai (proportionate deduction).
FAQ 1: Ideal Sum Insured Kitna Hona Chahiye?
Metro cities ke liye:
- Individual: ₹10–15 lakh
- Family floater: ₹15–25 lakh
Medical inflation ko dhyaan me rakhkar choose karein.
FAQ 2: Cashless Hospital Kaise Check Karein?
- Insurer website/app par network list
- Customer care se confirmation
- Hospital insurance desk se poochhein
FAQ 3: Claim Reject Hone Par Kya Karein?
Written reason maangein
Policy wording check karein
Insurer grievance cell me complaint
Last option: IRDAI Ombudsman
FAQ 4: Health Insurance Me Tax Benefit Milta Hai?
Haan. Section 80D ke under:
- Self + family: up to ₹25,000
- Parents: additional ₹25,000–₹50,000
FAQ 5: Policy Portability Safe Hai?
Haan, agar:
- Waiting periods carry forward ho rahe hain
- Continuous coverage maintained ho
Portability se better features mil sakte hain.
Most Important Tip
Health insurance me:
Premium se zyada important policy terms hote hain
Cheap policy future me mehngi pad sakti hai.
Final Words
Health insurance myths clear ho jaane ke baad aap better decisions le paate ho. Knowledge aapko claim rejection aur financial stress se bachati hai.