Employee money guide

Health Insurance Buying Checklist

Review cover amount, waiting periods, exclusions, network hospitals, room rent, co-pay, and claim process before buying health insurance.

Are you an HR?

Direct Answer

Before buying health insurance, compare coverage terms, exclusions, claim process, hospital network, room rent rules, and whether corporate cover is enough.

Key Takeaways

Do not compare only premium.
Waiting periods and exclusions matter.
Corporate health cover may not be enough for every family.

Policy features to check

Review sum insured, room rent, co-pay, deductibles, disease-wise limits, restoration benefit, maternity cover, and pre-existing disease waiting period.

Claim experience checks

Check network hospitals, cashless process, documents required, claim settlement process, and whether family hospitals are covered.

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FAQs

Should I buy personal health insurance if my employer covers me?

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Often yes, because employer cover may change when you switch jobs or leave employment.

Reviewed by the Saventh Financial Literacy Team. Educational information for Indian employees — not personalised advice. Mutual fund investments are subject to market risk. Saventh AMFI ARN 324457.

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Use these lessons to build everyday confidence around salary, tax, insurance, SIPs, and long-term goals.

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