Top-ups explained and when to buy

Health insurance is sold as financial security. But most people discover the truth only during a claim.In this episode, Pawan Kumar Rai, Co-founder of Ditto Insurance, breaks down how medical insurance is mis-sold, what really decides claim success, and what buyers should actually focus on.This conversation goes beyond premiums and policy documents.It explains what really decides outcomes. This episode will fundamentally change how you look at health insurance.