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Health insurance is an insurance which covers surgical, medical, and other expenses of the person insured. It can reimburse the insured for expenses incurred from illness/injury or pay directly to the provider. So, basically health insurance is an agreement whereby insurance company agrees to undertake a guarantee of compensation for medical expenses in case the insured falls ill or meets with an accident which leads to hospitalization.
Anyone who owns an asset can buy insurance to protect against losses due to fire, theft, flood, storm, earthquake, accidents etc. Each one of us can insure our and our dependent’s health and well-being through hospitalization and personal accident policies. Thus, general insurance in India can be put on a must-have list for most individuals, business entities and entrepreneurs.
IRDAI clarifies to the public that
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