Here’s What No One Tells You Until It’s Too Late
It’s only when someone falls ill that the real test of health insurance begins. And too often, it fails, not because it’s missing, but because it’s misunderstood.
So ask yourself:
Is your mediclaim just a paper promise? Or will it actually work when it matters?
Every year, thousands of claims get stuck, delayed, or rejected — not because of fraud, but due to fine print no one explained. Wrong hospital codes. Unlisted diseases. Outdated policies. No pre-authorization. And suddenly, a family already under emotional stress is thrown into financial chaos.
Here are the real culprits: You bought a plan 5 years ago and never updated it You assumed your employer’s group cover was “enough” You never checked network hospitals or sub-limits You skipped the part about waiting periods and exclusions Sounds familiar?
Health insurance isn’t just about having a card. It’s about knowing how it works — before you’re wheeled into an emergency. -Check your sum insured. -Know the claim process. -Ask about cashless vs reimbursement. -And most importantly, have someone in your family who knows this too.
Because the only thing worse than a health emergency is a claim emergency. Don’t let your mediclaim fail the moment you need it the most.
Get it reviewed. Understand it. And if needed, switch before it’s too late. It’s not just about having insurance.
It’s about making sure it works.