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A Voluntary Deductible is simpler than it sounds. It simply means you decide in advance that if you ever raise a claim, you’ll pay a fixed amount from your own pocket first. Because you’re taking on that small, pre-decided portion of the risk, your insurer reduces your premium. So if your deductible is ₹25,000, you pay that amount, and the insurer covers the remaining eligible expenses. A little responsibility upfront, a lighter premium all year. [ABHI se Samjho, health insurance, terms, voluntary deductible, insurance simplified, premium, claims, expenses, hospital bills]