New Delhi, March 12 -- For many years, health insurance in India was primarily viewed as a financial safeguard against hospitalisation. It was something individuals purchased to protect themselves from unexpected medical expenses, often triggered by emergencies or serious illnesses. The engagement between insurer and policyholder typically began and ended around claims.

However, this perspective is steadily evolving. Consumers are no longer asking only how insurance will help during illness, but also how it can help them stay healthier for longer.

This shift marks a significant transformation in India's health insurance landscape, redefining what value truly means in healthcare coverage.

A preventive health service is a mediclaim polic...