Health insurance in India can be confusing—how much coverage do you actually need, why do claims get rejected, and what should you check before buying a policy? In this episode, Dr. Pal sits down with the co-founder of Ditto Insurance to break down health insurance from A to Z.They discuss claim settlement ratios, cashless hospital networks, room-rent limits, disease-specific sub-limits, restoration benefits, pre-existing disease waiting periods, and why medical disclosure matters. The conversation also covers insurance for diabetes, hypertension and obesity, health insurance for parents, family floater plans, employer insurance, medical inflation, and how much coverage a family may need. If you’re planning to buy health insurance in India, this conversation can help you understand what to look for before choosing a policy. health insurance India, best health insurance India, Ditto Insurance, Dr Pal podcast, health insurance podcast, medical insurance India, health insurance explained, health insurance for family, family floater insurance, health insurance for parents, health insurance for diabetes, pre existing disease insurance, health insurance claim, insurance claim rejected, claim settlement ratio, cashless health insurance, health insurance waiting period, room rent limit, restoration benefit, medical inflation India, health insurance coverage, insurance policy India, health insurance tips, health insurance for NRI, OCI health insurance, employer health insurance 06:42 - Hidden Limits in Your Insurance Policy 12:27 - Pre-Existing Diseases & Waiting Periods 15:32 - Do You Really Need Health Insurance? 16:48 - The Reality of Medical Inflation in India 17:58 - What’s the Right Age to Buy Insurance? 21:35 - Why Healthy Young People Need Insurance 28:00 - Insurance for Diabetes & Existing Conditions 30:20 - Health Insurance: India vs USA 35:19 - Buying Health Insurance for Your Parents 38:77 - CM Vijay's Rs 25 Lakh Health Insurance. Is it beneficial? 40:48 - Does Insurance Cover Obesity Treatment? 49:04 - Rapid Fire 02:46 - Why Health Insurance Claims Get Rejected