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 (This episode was first published on 1st July, 2024). Timestamps: 01:50 - Why you should get health insurance 04:42 - How health insurance works 05:15 - At what age should you get health insurance? 06:45 - Is there an age limit? 07:28 - Should one choose a public company or a private one? 08:07 - What is a claim settlement ratio? 08:58 - The importance of a good network of hospitals 09:50 - How much coverage should you get? 10:47 - What is a waiting period? 12:06 - How much would you typically end up spending on health insurance? 12:54 - Is the insurance provided by your workplace sufficient? 13:56 - Benefits of sticking to an insurance plan 14:27 - What factors determine your premium? 15:45 - Why you should not lie when getting health insurance 17:32 - Why almost no one covers OPD expenses 19:34 - What do policies usually exclude? 21:37 - How insurance companies avoid paying for mental health treatment 23:02 - Are maternity-related expenses covered? 23:54 - Are daycare procedures covered? 25:32 - Discussing hospital room rents 26:08 - Beware of Co-pay 28:20 - How are pre- and post-hospitalization costs covered? 30:20 - What is a no-claim bonus? 31:02 - What are sub-limits? 31:57 - Benefits and disadvantages of a family floater plan 33:55 - Common reasons why claims get rejected 34:44 - The types of individuals that insurance companies try to avoid 36:39 - Key takeaways