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No fine print. Coverage, exclusions, claim process — all explained like you're 15.
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The amount you pay regularly (monthly/yearly) to keep your insurance active. Think of it like a subscription fee for protection.
The maximum amount the insurance company will pay you if something goes wrong. E.g., ₹5 lakh sum insured means they'll pay up to ₹5 lakh.
The amount you pay first before insurance kicks in. If deductible is ₹5,000 and your bill is ₹30,000 — you pay ₹5k, they pay ₹25k.
Time you must wait after buying the policy before you can make certain claims. Pre-existing diseases often have a 2–4 year wait.
You can get treated at a partner hospital without paying upfront. The insurer settles the bill directly with the hospital.
Out of every 100 claims submitted, how many does the company pay? 98% means they rejected only 2. Higher = better. Always check this.
A reward for not making any claims. Your sum insured increases (or premium decreases) each year you don't claim.
Situations the insurance will NOT cover. This is the most important thing to read. E.g., cosmetic surgery, self-inflicted injury, war damage.
Extra coverage you can buy on top of your base plan. E.g., critical illness rider covers cancer, heart attack separately.
Money you get back when your policy period ends (only in some life insurance plans, not term or health).
A window (usually 15-30 days) after buying to cancel and get a full refund if you change your mind. Use it!
In motor insurance — covers damage you cause to OTHER people/cars. Required by law. Doesn't cover your own vehicle damage.