Health insurance in India is essential for financial security during medical emergencies. It covers hospitalization costs, pre- and post-hospitalization expenses, and critical illnesses. Most policies include cashless treatment options at network hospitals, ensuring convenience and reducing out-of-pocket expenses. Additional benefits often include daycare procedures, annual health check-ups, and coverage for alternative treatments like Ayurveda. Choosing the right plan involves considering factors like coverage amount, claim settlement ratio, network hospitals, and premium affordability. It is also important to understand exclusions, such as pre-existing conditions during the waiting period, cosmetic treatments, and non-medical expenses, to avoid surprises during claims.