Neha Nagar | Filmy Finance on Instagram: "Most people lose money not because they don’t have insurance, but because they don’t understand it. The health insurance industry is full of grey areas that no one talks about. Policies look perfect until it’s time to claim, and then come the hidden clauses, co-pays, and room rent limits. One tiny detail can decide whether your ₹5 lakh claim gets approved or rejected. That’s exactly why I created the Health Insurance Guide PDF to make every detail crysta