7 min read Oct 30, 2026 05:04 PM IST

Buying health insurance is an important step towards protecting yourself and your family from rising medical costs. However, having a policy does not automatically mean every medical expense will be covered.

Many people discover this only when they file a claim. A hospitalisation is already stressful, and uncertainty about what the insurer will pay, which documents are required, or why deductions have been made can add to the pressure.

The key is understanding what your health insurance policy actually covers before you need to use it.

What Does Health Insurance Cover?

Health insurance policies provide coverage based on specific terms and conditions.…