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What Features Should You Prioritise When Buying a Family Health Insurance Plan in India?
Quick Summary: A family health insurance plan should be chosen based on substance, not brochure length. Start with an adequate sum insured (₹15–25 lakh for most urban families), then check for restriction-free coverage, room rent caps, sub-limits, and co-pay clauses that quietly reduce real payouts. Verify the insurer's Claim Settlement Ratio (87.5% industry average, FY 2024-25) and...
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