1. Health insurance and its critical issues Rising health care costs is aworrying cause for the people of India. In India, health care has improved alot over the past few years but improvement in health care has made it non-affordable for most classes existing in the country. Thus, in order to nullifythis effect, health insurance becomes compulsory for every Indian. Healthinsurance policy pays for medical expenses in case of any emergency includingpre and post hospitalization expenses. A health insurance policy securesprovides long term benefits to an individual enabling them to concentrate onother important things.Health insurance in India can be bought as an individualhealth insurance policy or as one policy for whole family which is known asfamily floater policy. A Comprehensive health insurance policy can cover pre-existing diseases as well as critical diseases but they are covered after awaiting period.The primary reason for the rise in Health insurance rates is due to rise ininputs and technological advancements.Health insurance in India is not a newphenomenon but its popularity has increased over the past few years. With risein disposable incomes across the country, health insurance is considered apriority to maintain high standard of living. Health insurance rates areaffected by an individuals age, their medical history, tenure of the policy andclaim free years. Co-insurance is the other factor that impacts health insurancepremium. It is the part of overall expenses which is shared among insured andinsurer.An individual can buy health insurance in India through various techniques suchas offline and online mediums. Offline health insurance includes buying healthinsurance policy from direct agents which is also the traditional mode of buyinginsurance. The other method of buying health insurance policy is the onlinemedium. Online health insurance policies are generally cheaper and much moreeconomical than policies bought via agents which is due to the fact that thereis no existence of middlemen and reduction in paperwork. Online health insurancepolicy can be bought via insurance aggregators and preferred provider website.Online technique has emerged as the most powerful medium these days as theturnaround time is very less with insurance providers issuing policies in notime. One can compare health insurance rates online on a single platform as wellwith the help of these insurance aggregators. As health insurance policies arebecoming complex, understanding and researching proper health care policybecomes utmost importance to an individual.