text: yaar,ab toh health insurance bhi affordable ho gaya hai, mujhe toh lagta hai ki yeh sab nayi schemes logon ki zindagi mein badi badlav la rahi hain!haan, par abhi bhi kuch policies samajh nahi aati, jaise ki premium kaise calculate hota hai, kya hum isme invest karne ke liye ready hain?