About this episode
Are you someone who does not have health insurance? Or you do, but are wondering if you should switch plans, or worried that you missed out on something? In this special episode, we speak to Indian Express’ Anonna Dutt to discuss the A to Z of getting health insurance. We will break down jargon, consider all important factors, and bust myths to help you make an informed decision.
Hosted, written and produced by Shashank Bhargava
Edited and mixed by Suresh Pawar
Timestamps:
How health insurance works (04:42)
At what age should you get health insurance? (05:15)
Is there an age limit? (06:45)
Should one choose a public company or a private one? (07:28)
What is a claim settlement ratio? (08:07)
The importance of a good network of hospitals (08:58)
How much coverage should you get? (09:50)
What is a waiting period? (10:47)
How much would you typically end up spending on health insurance? (12:06)
Is the insurance provided by your workplace sufficient? (12:54)
Benefits of sticking to an insurance plan (13:56)
What factors determine your premium? (14:27)
Why you should not lie when getting health insurance (15:45)
Why almost no one covers OPD expenses (17:32)
What do policies usually exclude? (19:34)
How insurance companies avoid paying for mental health treatment (21:37)
Are maternity-related expenses covered? (23:02)
Are daycare procedures covered? (23:54)
Discussing hospital room rents (25:32)
Beware of Co-pay (26:08)
How are pre- and post-hospitalization costs covered? (28:20)
What is a no-claim bonus? (30:20)
What are sub-limits? (31:02)
Benefits and disadvantages of a family floater plan (31:57)
Common reasons why claims get rejected (33:55)
The types of individuals that insurance companies try to avoid (34:44)
Key takeaways (36:39)
Preparing for Civil Services? The Indian Express content that keeps you ahead of the curve is now available also on IAS Saathi. This new AI-driven app provides you credible information and aims to keep a balance of study & health. Download today on Google PlayStore and Apple Appstore.
https://play.google.com/store/apps/details?id=com.iassathi.IASsathi&hl=en
Hosted, written and produced by Shashank Bhargava
Edited and mixed by Suresh Pawar
Timestamps:
How health insurance works (04:42)
At what age should you get health insurance? (05:15)
Is there an age limit? (06:45)
Should one choose a public company or a private one? (07:28)
What is a claim settlement ratio? (08:07)
The importance of a good network of hospitals (08:58)
How much coverage should you get? (09:50)
What is a waiting period? (10:47)
How much would you typically end up spending on health insurance? (12:06)
Is the insurance provided by your workplace sufficient? (12:54)
Benefits of sticking to an insurance plan (13:56)
What factors determine your premium? (14:27)
Why you should not lie when getting health insurance (15:45)
Why almost no one covers OPD expenses (17:32)
What do policies usually exclude? (19:34)
How insurance companies avoid paying for mental health treatment (21:37)
Are maternity-related expenses covered? (23:02)
Are daycare procedures covered? (23:54)
Discussing hospital room rents (25:32)
Beware of Co-pay (26:08)
How are pre- and post-hospitalization costs covered? (28:20)
What is a no-claim bonus? (30:20)
What are sub-limits? (31:02)
Benefits and disadvantages of a family floater plan (31:57)
Common reasons why claims get rejected (33:55)
The types of individuals that insurance companies try to avoid (34:44)
Key takeaways (36:39)
Preparing for Civil Services? The Indian Express content that keeps you ahead of the curve is now available also on IAS Saathi. This new AI-driven app provides you credible information and aims to keep a balance of study & health. Download today on Google PlayStore and Apple Appstore.
https://play.google.com/store/apps/details?id=com.iassathi.IASsathi&hl=en
Get every episode summarized
Each time 3 Things publishes, we email you a written briefing from the transcript — the topics, who appeared, and any specific claims, with the ad reads skipped.
Email me new episodesFree for 3 shows. No card needed.
Hosts & guests
No transcript yet
This episode has not been transcribed. Request it and it moves to the front of the queue.
More episodes
More from 3 Things
Kejriwal’s 'Satyagraha', fertiliser supply shock, and proof of death
3 Things
Apr 30, 202626:49failed
The Catch Up: Suvendu vs TMC clash (29 April)
3 Things
Apr 29, 20263:36failed
Bengal's final polling phase, Jharkhand exam scam, and a missing bird
3 Things
Apr 29, 202629:22failed
The Catch Up: Mumbai family death mystery (28 April)
3 Things
Apr 28, 20263:41failed