Health Insurance

Picture this: Your family member is recovering in the hospital after a successful surgery. The stress is fading. The insurance company sends an SMS: "Cashless Claim Approved for ₹3,00,000." You breathe a sigh of relief. But when you reach the billing desk to get the discharge summary, the receptionist hands you a bill for ₹38,000. This scenario plays out in hospitals every single day. Today, let’s decode the mystery of Non-Medical Expenses (NME) or Consumables.

In the world of Indian Health Insurance, "Room Rent Capping" is that Yorker! Most people believe that if they have a Health Insurance policy of ₹5 or ₹10 Lakhs, the Insurance company will pay any hospital bill up to that limit. But when the discharge summary arrives, they are shocked to see a deduction of a large amount from the total hospital bill, even though the total bill was within the policy limit. Why? Because they chose a room that was slightly more expensive than the

We love things instant - Instant Coffee, Instant Noodles, and Instant UPI transfers. But some things, like Grandma’s Achar (Pickle), take time to mature. You mix the ingredients, but you have to let it sit in the sun for weeks before it tastes right. Health Insurance is like that Achar. You pay the premium today, but the policy needs to "marinate" (complete the Waiting Period) before it becomes fully edible (claimable). One of the biggest reasons for claim rejection in India

In India, we love sharing. We share our food, our festivals, and often, our homes. But when it comes to financial planning - specifically Health Insurance, sharing isn't always the safest option. With medical inflation in India hovering around 12-14% (way more than the general inflation rate), a single hospitalization can wipe out years of savings. The most common question we get from clients is "Should I buy a single policy for my whole family, or separate ones for each memb

Health insurance is the firewall that protects your life's savings from the flames of medical emergencies. However, buying the wrong health insurance policy can be almost as damaging as having none at all. It gives you a false sense of security, only to let you down when you need it the most. Here’s a simple, 5‑minute checklist to review before you buy or renew health insurance in India. It keeps the focus on coverage you can actually use, not just glossy features or tax ded

There isn’t a single “right” number for everyone. However, there is a solid order of priority: maximize your base cover to handle one major claim at your preferred hospital. Then, consider a top-up as secondary protection if base + inflation protection is not sufficient. Review as life changes and costs evolve. A planned, personalized approach reduces guesswork and bill shock. If you’d like a second set of eyes for your city, family, and hospital preferences, Y2J Moneytree