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You decide to protect your health and your savings, and you sign up for medical insurance. It feels like a shield has clicked into place. But does that purchase translate into instant financial security? The honest answer is more layered. Health insurance can reduce the shock of a hospital bill, yet it is not an outright solution. This guide explains what to expect in India, how to read the policy carefully, and how to make smarter choices when you buy medical insurance .

What Medical Insurance Actually Does - And Doesn’t

Medical insurance cushions large, unexpected medical expenses by spreading risk. Still, there are boundaries you should understand:

It pays according to policy terms, not every bill.

Certain conditio

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