Hey there, we’ve all heard those health insurance stories that make you hesitate—let’s clear the air with real talk.
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Myth: No coverage for pre-existing diseases
Truth: Most plans kick in after 2-4 years, covering diabetes or BP fully. We’ve seen Mumbai families save lakhs on hospital bills once waiting periods pass. -
Myth: Claims always get rejected
Reality: 92% succeed with proper bills and prescriptions. Keep doctor’s notes and discharge summaries handy—our clients breeze through this every time. -
Myth: Only for seniors
Nope: Family floaters cover kids too, often cheaper than individual policies. Young couples start with ₹5 lakhs sum insured for just ₹10k premium. -
Myth: Cashless only at network hospitals
From 2026, it’s cashless everywhere as per IRDAI. No more upfront payments during emergencies—huge relief for sudden fevers or accidents.
Don’t let myths hold you back from protection that actually works when you need it most.
