Top 10 Health Insurance Questions Answered | Must Know in 2025 Before Buying Health Insurance |

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Looking to finally understand how health insurance actually works? In this video, we break down the top 10 most common questions people have about health insurance, so you can buy the best health insurance policy for your family with total confidence. Whether it’s about porting your existing health insurance, buying multiple health insurance plans, or choosing between public and private health insurers — we cover it all in simple language here.

We explain why having a personal retail health insurance policy is critical even if you already enjoy a corporate health insurance plan from your employer. Job security isn’t permanent, and the best health insurance is the one that stays with you no matter where you work. Plus, having your own health insurance means you serve waiting periods early, giving you peace of mind that your claims will be covered when it matters most.

You’ll also learn about health insurance portability — the option to switch to another insurer without losing your waiting period benefits. While moving your health insurance policy to another insurer sounds simple, it’s actually subject to new underwriting. That means you still need to disclose all health conditions honestly. Trying to hide details only risks claim rejection down the line.

A lot of people ask if they can buy more than one health insurance policy. The answer is yes — in fact, many use this to combine a base plan and a super top-up for extra coverage. But you can’t double-claim. Insurers only pay once for each expense, so you’ll have to coordinate claims carefully by sharing discharge summaries and bills with all insurers involved.

Another point that often comes up is whether you should pick a public health insurance company or go with a private one. Private health insurance players generally offer faster claims, better hospital networks, and more modern policy features like sum insured restoration and wellness benefits. Public insurers may have slightly lower premiums, but the plans are often basic and slower in service. At the end of the day, the best health insurance policy depends on your priorities — whether it’s price, features, or claim speed.

We also touch on adding new family members to your existing health insurance. You can add a spouse or newborn at renewals, though the insurer may revise premiums or ask for medical tests. That’s why planning your family floater health insurance early helps keep things smooth.

Another big takeaway — always disclose your health history upfront. Health insurance policies run on trust and full disclosure. If you skip out on telling your insurer about existing conditions, they can reject claims later or even cancel your health insurance policy.

We talk about increasing your sum insured too. While it’s possible at renewals, the higher coverage will come with fresh waiting periods. That’s why we always advise buying sufficient health insurance coverage from the start. It avoids surprises later when you actually need to use your health insurance.

Worried about moving to another city or state? Your health insurance policy remains valid across India. Just remember to inform your insurer about your new address, especially because of zonal premium adjustments.

We also cover how blacklisted hospitals work, why some hospitals lose cashless ties, and how to check your insurer’s network to ensure hassle-free cashless healthcare. Plus, we talk about medical tests before getting health insurance and why these are common, especially for higher coverage plans.

Bottom line — the best health insurance policy is one that suits your life stage, budget, and health goals. Knowing these most-asked health insurance questions means you’ll buy smarter and avoid surprises later.

If you want help comparing the best health insurance plans or figuring out the right coverage for your family, book a free call with Ditto. Our advisors help you pick the best health insurance policy based on your needs — no spam, - https://ditto.sh/lks4we

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