{"id":27350,"date":"2025-06-24T00:08:18","date_gmt":"2025-06-23T18:38:18","guid":{"rendered":"https:\/\/www.thegreatnews.in\/?p=27350"},"modified":"2025-06-24T00:08:42","modified_gmt":"2025-06-23T18:38:42","slug":"best-health-insurance-plans-in-india-2025","status":"publish","type":"post","link":"https:\/\/www.thegreatnews.in\/?p=27350","title":{"rendered":"\u00a0Best Health Insurance Plans in India 2025"},"content":{"rendered":"

\u00a0Best Health Insurance Plans in India 2025<\/strong><\/em><\/p>\n

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\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u094d\u0935\u093e\u0938\u094d\u0925\u094d\u092f \u0916\u0930\u094d\u091a \u092e\u0947\u0902 \u0932\u0917\u093e\u0924\u093e\u0930 \u0935\u0943\u0926\u094d\u0927\u093f \u0939\u094b \u0930\u0939\u0940 \u0939\u0948\u0964 \u0907\u0938 \u0924\u0925\u094d\u092f \u0915\u094b \u0926\u0947\u0916\u0924\u0947 \u0939\u0941\u090f, 2025 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u092c\u0947\u0939\u0924\u0930\u0940\u0928 \u0939\u0947\u0932\u094d\u0925 \u0907\u0902\u0936\u094d\u200d\u092f\u094b\u0930\u0947\u0902\u0938 \u092a\u094d\u0932\u093e\u0928 \u0915\u093e \u091a\u0941\u0928\u093e\u0935 \u0915\u0947\u0935\u0932 \u0938\u0941\u0935\u093f\u0927\u093e\u091c\u0928\u0915 \u0939\u0940 \u0928\u0939\u0940\u0902, \u092c\u0932\u094d\u0915\u093f \u091c\u0930\u0942\u0930\u0940 \u0939\u094b \u0917\u092f\u093e \u0939\u0948\u0964 \u0907\u0938 \u0932\u0947\u0916 \u092e\u0947\u0902 \u0939\u092e \u0906\u092a\u0915\u0947 \u0932\u093f\u090f \u092c\u0947\u0939\u0924\u0930 \u0938\u092e\u091d\u0926\u093e\u0930\u0940 \u092c\u0922\u093c\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0938\u092c\u0938\u0947 \u0905\u091a\u094d\u091b\u0947 \u0939\u0948\u0932\u094d\u0925 \u092a\u094d\u0932\u093e\u0928\u094d\u0938 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e, \u092a\u094d\u0930\u092e\u0941\u0916 \u092b\u0940\u091a\u0930\u094d\u0938, \u092b\u093e\u092f\u0926\u0947\u2013\u0928\u0941\u0915\u0938\u093e\u0928, \u0914\u0930 \u0906\u092a\u0915\u0940 \u091c\u093c\u0930\u0942\u0930\u0924\u094b\u0902 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u0938\u0941\u091d\u093e\u0935 \u0926\u0947\u0902\u0917\u0947\u0964<\/p>\n

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—<\/p>\n

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1. \ud83d\udcca \u091f\u0949\u092a \u092a\u094d\u0932\u093e\u0902\u0938 \u0914\u0930 \u0909\u0928\u0915\u0940 \u0930\u0947\u091f\u093f\u0902\u0917<\/h2>\n

 <\/p>\n

\u0939\u092e\u0928\u0947 \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u0935\u093f\u0936\u094d\u0935\u0938\u0928\u0940\u092f \u0938\u094d\u0930\u094b\u0924\u094b\u0902 \u091c\u0948\u0938\u0947 PolicyBazaar, Ditto, Beshak.org, \u0914\u0930 JioInsure \u0938\u0947 \u0906\u0902\u0915\u0921\u093c\u0947 \u0907\u0915\u091f\u094d\u0920\u093e \u0915\u093f\u090f \u0939\u0948\u0902 \u0964<\/p>\n

 <\/p>\n

Plan Name Insurer Rating Key Feature<\/p>\n

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HDFC Ergo Optima Secure HDFC Ergo 4.5\/5 Restore benefit + teleconsultation<\/p>\n

Care Supreme Care 4.0\/5 \u0935\u094d\u092f\u093e\u092a\u0915 \u0915\u0935\u0930, \u092e\u0941\u092b\u094d\u0924 annual check-up<\/p>\n

Niva Bupa ReAssure 2.0 Niva Bupa 3.8\/5 \u092e\u091c\u092c\u0942\u0924 affordability + higher Sum Insured<\/p>\n

Aditya Birla Activ Fit Aditya Birla 3.8\/5 Health returns + \u092b\u093f\u091f\u0928\u0947\u0938 \u0907\u0928\u094d\u0938\u0947\u0902\u091f\u093f\u0935\u094d\u0938<\/p>\n

Bajaj Allianz Health Guard Gold Bajaj Allianz 3.8\/5 \u0935\u093f\u0935\u093f\u0927\u0924\u093e \u0935\u093e\u0932\u0947 \u0935\u0947\u0930\u093f\u090f\u0902\u091f\u094d\u0938 \u0914\u0930 \u0935\u094d\u092f\u093e\u092a\u0915 \u092a\u0949\u0932\u093f\u0938\u0940 \u0915\u0935\u0930<\/p>\n

Jio Health Shield Jio Insurance \u2013 No sub-limits, OPD, critical illness<\/p>\n

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—<\/p>\n

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2. \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092b\u0940\u091a\u0930 \u0914\u0930 \u0915\u094d\u092f\u094b\u0902 \u091c\u0930\u0941\u0930\u0940<\/p>\n

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\ud83d\udc8e a. Sum Insured<\/p>\n

 <\/p>\n

\u0938\u093f\u092b\u093e\u0930\u093f\u0936: \u20b910\u201350\u202f\u0932\u093e\u0916 (\u092e\u0947\u091f\u094d\u0930\u094b \u0915\u0941\u0928 \u092e\u0947\u0902 \u0909\u091a\u094d\u091a)<\/p>\n

 <\/p>\n

\u092f\u0926\u093f \u0926\u094b\u092c\u093e\u0930\u093e \u0916\u0930\u094d\u091a \u0915\u0940 \u091c\u093c\u0930\u0942\u0930\u0924 \u0939\u094b, \u0924\u094b Optima Restore \u091c\u0948\u0938\u0947 “\u0930\u093f\u0938\u094d\u091f\u094b\u0930” \u0935\u093f\u0915\u0932\u094d\u092a \u0909\u092a\u092f\u094b\u0917\u0940\u0964<\/p>\n

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 <\/p>\n

b. Coverage Scope<\/p>\n

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Hospitalisation (Pre\/Post)<\/p>\n

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Day-care procedures, ambulance charges<\/p>\n

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OPD & teleconsultation (\u0915\u0941\u091b \u092a\u094d\u0932\u093e\u0902\u0938 \u092e\u0947\u0902)<\/p>\n

 <\/p>\n

\u20b90\u2013\u20b95 \u0932\u093e\u0916 \u0924\u0915 \u0935\u093e\u0932\u0940 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092c\u0940\u092e\u093e\u0930\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u0915\u0935\u0930<\/p>\n

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c. Waiting Period<\/p>\n

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\u0938\u093e\u092e\u093e\u0928\u094d\u092f: 30 \u0926\u093f\u0928 + 2\u20134 \u0938\u093e\u0932 Pre\u2011existing conditions<\/p>\n

 <\/p>\n

\u0915\u0941\u091b \u092a\u094d\u0932\u093e\u0902\u0938 \u092e\u0947\u0902 \u092a\u0940\u0908\u0921\u0940 \u0915\u093e Day\u20111 coverage<\/p>\n

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d. Cashless Network Hospitals<\/p>\n

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\u092c\u0921\u093c\u0947 \u0928\u0947\u091f\u0935\u0930\u094d\u0915 \u0938\u0947 treatment \u0906\u0938\u093e\u0928 \u2013 \u091c\u0948\u0938\u0947 Bajaj Allianz (18,400+), Care Supreme (21,600+)<\/p>\n

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e. Claim Settlement Ratio (CSR)<\/p>\n

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\u0909\u091a\u094d\u091a CSR \u2192 Bajaj Allianz, Care, HDFC Ergo<\/p>\n

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Ditto \u092a\u0930 Review \u0935\u0940\u0921\u093f\u092f\u094b \u092e\u0947\u0902 \u0907\u0928 \u092a\u094d\u0932\u093e\u0902\u0938 \u0915\u094b \u092c\u0947\u0939\u0924\u0930 \u092c\u0924\u093e\u092f\u093e \u0917\u092f\u093e<\/p>\n

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f. Tax Benefits<\/p>\n

 <\/p>\n

Section\u202f80D \u0915\u0947 \u0924\u0939\u0924 \u20b925,000\u20131,00,000 \u0924\u0915 \u0915\u093e deduction \u0909\u092a\u0932\u092c\u094d\u0927<\/p>\n

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—<\/p>\n

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3. \u091f\u0949\u092a 5 \u0930\u0948\u0902\u0915 \u0914\u0930 \u0915\u093e\u0930\u0923<\/p>\n

 <\/p>\n

1. HDFC Ergo Optima Secure<\/p>\n

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\u0930\u093f\u0938\u094d\u091f\u094b\u0930 \u0914\u0930 unlimited teleconsultation<\/p>\n

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Cashless \u0928\u0947\u091f\u0935\u0930\u094d\u0915 + wellness \u092c\u0947\u0928\u093f\u092b\u093f\u091f<\/p>\n

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2. Care Supreme<\/p>\n

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\u0935\u094d\u092f\u093e\u092a\u0915 \u0915\u0935\u0930 + annual checkup<\/p>\n

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CSR \u0914\u0930 customer feedback \u0905\u091a\u094d\u091b\u0947 \u0939\u0948\u0902<\/p>\n

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3. Niva Bupa ReAssure\u202f2.0<\/p>\n

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affordability \u0909\u091a\u094d\u091a, benefit \u0905\u091a\u094d\u091b\u0940 \u0930\u0947\u0902\u091c \u092e\u0947\u0902<\/p>\n

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4. Aditya Birla Activ Fit\/One<\/p>\n

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Health-return \u0907\u0902\u0938\u0947\u0928\u094d\u091f\u093f\u0935\u094d\u0938 + \u092b\u093f\u091f\u0928\u0947\u0938<\/p>\n

 <\/p>\n

\u0909\u092a\u092f\u0941\u0915\u094d\u0924 \u092f\u0941\u0935\u093e \u0914\u0930 \u092b\u093f\u091f\u0928\u0947\u0938-\u091a\u0947\u0924\u0928\u093e \u0935\u093e\u0932\u0947 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902<\/p>\n

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5. Bajaj Allianz Health Guard Gold<\/p>\n

 <\/p>\n

\u0905\u0932\u0917-\u0905\u0932\u0917 \u0935\u0947\u0930\u093f\u090f\u0902\u091f\u094d\u0938, \u092c\u0921\u093c\u0940 \u0928\u0947\u091f\u0935\u0930\u094d\u0915, flexible coverage<\/p>\n

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 <\/p>\n

 <\/p>\n

 <\/p>\n

\u0928\u092f\u093e \u0935\u093e\u0902\u091b\u0928\u0940\u092f: Jio Health Shield \u2013 No sub\u2011limits + OPD + critical illness \u2013 \u0905\u092d\u0940 \u0928\u092f\u093e, \u0932\u0947\u0915\u093f\u0928 \u091c\u093c\u092c\u0930\u0926\u0938\u094d\u0924 \u092b\u0940\u091a\u0930\u094d\u0938<\/p>\n

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—<\/p>\n

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4. Additional Considerations<\/p>\n

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Environmental Factors<\/p>\n

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Pollution \u0915\u0947 \u091a\u0932\u0924\u0947 \u0905\u0938\u094d\u092a\u0924\u093e\u0932 \u0916\u0930\u094d\u091a \u092c\u0922\u093c \u0930\u0939\u093e \u0939\u0948\u2014\u0926\u093f\u0932\u094d\u0932\u0940 \u091c\u0948\u0938\u0947 \u0936\u0939\u0930\u094b\u0902 \u092e\u0947\u0902 10\u201315% \u092a\u094d\u0930\u0940\u092e\u093f\u092f\u092e \u0935\u0943\u0926\u094d\u0927\u093f \u0938\u0902\u092d\u0935 \u0939\u0948<\/p>\n

 <\/p>\n

 <\/p>\n

Government Schemes<\/p>\n

 <\/p>\n

70+ \u0909\u092e\u094d\u0930 \u0915\u0947 \u0932\u094b\u0917\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0938\u0930\u0915\u093e\u0930\u0940 cover \u092c\u0922\u093c\u0915\u0930 \u20b95\u202f\u0932\u093e\u0916 \u0939\u0941\u0906 \u0939\u0948<\/p>\n

 <\/p>\n

\u0928\u093f\u091c\u0940 \u092a\u0949\u0932\u093f\u0938\u0940 \u0915\u0947 \u0938\u093e\u0925 \u092f\u0939 \u0906\u0927\u093f\u0915 \u0915\u0935\u0930 \u092d\u0940 \u092e\u093f\u0932 \u0938\u0915\u0924\u093e \u0939\u0948<\/p>\n

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5. \u0915\u0948\u0938\u0947 \u091a\u0941\u0928\u0947\u0902: Step-by-Step \u0917\u093e\u0907\u0921<\/p>\n

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1. \u0905\u092a\u0928\u0940 \u091c\u093c\u0930\u0942\u0930\u0924 \u0926\u0930\u094d\u095b \u0915\u0930\u0947\u0902: \u0909\u092e\u094d\u0930, \u092a\u0930\u093f\u0935\u093e\u0930 \u0906\u0915\u093e\u0930, pre-existing \u092c\u0940\u092e\u093e\u0930\u093f\u092f\u093e\u0902<\/p>\n

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2. Sum insured \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0915\u0930\u0947\u0902: \u091a\u0948\u0928\u0932 \u091b\u094b\u0921\u093c\u0947\u0902 \u20b910\u201350\u202f\u0932\u093e\u0916<\/p>\n

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 <\/p>\n

3. Compare \u0915\u0930\u0947\u0902: CSR, waiting period, restoration, \u0928\u0947\u091f\u0935\u0930\u094d\u0915<\/p>\n

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4. Tele\/OPD \u091c\u0930\u0942\u0930\u0940 \u0939\u0948?: Optima Secure \u0914\u0930 Jio \u091c\u0948\u0938\u0947 \u092a\u094d\u0932\u093e\u0902\u0938 \u0926\u0947\u0916\u0947\u0902<\/p>\n

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5. Claim\/Customer reviews \u092a\u095d\u0947\u0902<\/p>\n

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6. Tax \u092c\u091a\u0924 \u0926\u0947\u0916\u0947\u0902: Section\u202f80D \u092b\u093c\u093e\u092f\u0926\u093e<\/p>\n

 <\/p>\n

 <\/p>\n

7. Pollution \u0932\u093e\u0917\u0942 \u0915\u094d\u0937\u0947\u0924\u094d\u0930: \u092a\u094d\u0930\u0940\u092e\u093f\u092f\u092e \u092e\u0947\u0902 \u092d\u093f\u0928\u094d\u0928\u0924\u093e \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948<\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

6. Final Recommendation<\/h3>\n

 <\/p>\n

\u0938\u093f\u0902\u0917\u0932 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \/ \u092f\u0941\u0935\u093e \u2192 HDFC Ergo Optima Secure \u092f\u093e Aditya Birla Activ Fit<\/p>\n

 <\/p>\n

\u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u0947 \u0932\u093f\u090f \u2192 HDFC Ergo Optima Restore \u092f\u093e Care Supreme<\/p>\n

 <\/p>\n

\u0938\u0938\u094d\u0924\u0940 + \u0905\u091a\u094d\u091b\u093e \u0915\u0935\u0930 \u2192 Niva Bupa ReAssure 2.0<\/p>\n

 <\/p>\n

\u0928\u092f\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u2192 Jio Health Shield (OPD & CI \u0915\u0935\u0930 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u092e\u0947\u0902)<\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

2025 \u092e\u0947\u0902 \u0939\u0947\u0932\u094d\u0925 \u0907\u0902\u0936\u094d\u200d\u092f\u094b\u0930\u0947\u0902\u0938 \u0915\u0947\u0935\u0932 \u0928\u093f\u091c\u0940 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0939\u0940 \u0928\u0939\u0940\u0902, \u092c\u0932\u094d\u0915\u093f \u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0915\u093e \u092e\u091c\u092c\u0942\u0924 \u0906\u0927\u093e\u0930 \u092c\u0928 \u0917\u092f\u093e \u0939\u0948\u0964 \u090a\u092a\u0930 \u092c\u0924\u093e\u090f \u0917\u090f \u0936\u0940\u0930\u094d\u0937 5 \u092a\u094d\u0932\u093e\u0902\u0938 \u0906\u092a\u0915\u0947 \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u092c\u091c\u091f, \u091c\u093c\u0930\u0942\u0930\u0924\u094b\u0902 \u0914\u0930 \u0906\u0930\u093e\u092e \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u092b\u093f\u091f \u0939\u094b \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0927\u094d\u092f\u093e\u0928 \u0926\u0947\u0902\u2014compare \u0915\u0930\u0947\u0902, \u092a\u0922\u093c\u0947\u0902, \u0905\u092a\u0928\u0940 \u091c\u093c\u0930\u0942\u0930\u0924\u094b\u0902 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u0928\u093f\u0930\u094d\u0923\u092f \u0932\u0947\u0902!<\/p>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

\u00a0Best Health Insurance Plans in India 2025       \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u094d\u0935\u093e\u0938\u094d\u0925\u094d\u092f \u0916\u0930\u094d\u091a \u092e\u0947\u0902 \u0932\u0917\u093e\u0924\u093e\u0930 \u0935\u0943\u0926\u094d\u0927\u093f \u0939\u094b \u0930\u0939\u0940 \u0939\u0948\u0964…<\/p>\n","protected":false},"author":1,"featured_media":27351,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"categories":[59],"tags":[],"class_list":["post-27350","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bharat"],"author_meta":{"display_name":"THE GREAT NEWS","author_link":"https:\/\/www.thegreatnews.in\/about"},"featured_img":"https:\/\/www.thegreatnews.in\/\/wp-content\/uploads\/2025\/06\/file_0000000002dc61f8917082f89ea15587-300x300.png","coauthors":[],"tax_additional":{"categories":{"linked":["\u092d\u093e\u0930\u0924<\/a>"],"unlinked":["\u092d\u093e\u0930\u0924<\/span>"]}},"comment_count":"0","relative_dates":{"created":"Posted 1 year ago","modified":"Updated 1 year ago"},"absolute_dates":{"created":"Posted on June 24, 2025","modified":"Updated on June 24, 2025"},"absolute_dates_time":{"created":"Posted on June 24, 2025 12:08 am","modified":"Updated on June 24, 2025 12:08 am"},"featured_img_caption":"","series_order":"","_links":{"self":[{"href":"https:\/\/www.thegreatnews.in\/index.php?rest_route=\/wp\/v2\/posts\/27350","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.thegreatnews.in\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.thegreatnews.in\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.thegreatnews.in\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.thegreatnews.in\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=27350"}],"version-history":[{"count":2,"href":"https:\/\/www.thegreatnews.in\/index.php?rest_route=\/wp\/v2\/posts\/27350\/revisions"}],"predecessor-version":[{"id":27353,"href":"https:\/\/www.thegreatnews.in\/index.php?rest_route=\/wp\/v2\/posts\/27350\/revisions\/27353"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.thegreatnews.in\/index.php?rest_route=\/wp\/v2\/media\/27351"}],"wp:attachment":[{"href":"https:\/\/www.thegreatnews.in\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=27350"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.thegreatnews.in\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=27350"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.thegreatnews.in\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=27350"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}