How To Plan A Medical Insurance: Complete Buying Guide | Health Insurance Explained | Money Today

Health insurance is an important part of financial planning, but choosing the right policy can often be confusing. This episode of Money Today’s Insurance Masterclass Aditya Shah, Founder, Hercules Advisors explains the key differences between corporate health insurance and retail health insurance, and why having an additional personal policy can be important. The discussion covers coverage, premiums, waiting periods, pre-existing diseases, maternity benefits, OPD expenses, consumables, room-rent limits, co-payment and claim-related considerations. It also explains how to assess the right sum insured, choose between individual and family floater policies, and evaluate insurers beyond just claim settlement ratios. From understanding policy features to checking hospital networks and exclusions, the episode offers practical insights to help consumers make more informed health insurance decisions and plan for rising medical costs.