Monsoon is here: Why you're paying out of pocket for sudden illnesses despite having health insurance

Health insurance covers major hospitalisation costs but does not cover outpatient expenses like doctor consultations, diagnostic tests, and medicines for seasonal illnesses.

A family may spend ₹3,000 to ₹8,000 out of pocket on consultations, tests, and medicines before any hospitalisation occurs during the monsoon.

Ryan Singh, Co-Founder & COO of Loop Health, explains that healthcare expenses begin before insurance coverage typically takes effect.

Despite gaps, health insurance remains essential for protecting against large hospitalisation expenses, but financial preparedness is needed for uncovered costs.