New Delhi, March 18 -- Navigating thehealth insurance claims process doesn't have to be stressful. With the right information, you can ensure a smooth experience.This article will provide insights into pre-purchase and post-purchase stages, supported by the latest updates from the Insurance Regulatory and Development Authority of India (IRDAI).

1. Understand Your Policy

Before purchasing a policy, go through the coverage details, waiting periods for pre-existing conditions, and cost limits like room rent caps. The Customer Information Sheet (CIS) from IRDAI provides an easy-to-read summary of these terms.

2. Check Claim Settlement Ratio & Co-Payment Terms

Look at the insurer's claim settlement ratio to understand how reliable they are...