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Your health insurance policy may have worked well when you first bought it. Over time, however, you may face higher premiums, poor claim support, restrictive room-rent limits or an inadequate cashless hospital network. Buying a completely new policy can mean losing the continuity benefits earned under your existing cover. Health insurance portability provides another option. […]

A ₹10 lakh health insurance policy may look sufficient until one major hospitalisation uses most or all of the available cover. If another family member needs treatment during the same policy year, you could be left without enough insurance. This is where the restoration benefit in health insurance may help. It can refill the available

A serious illness can exhaust a ₹5 lakh or ₹10 lakh health policy faster than expected. Cancer treatment, cardiac surgery, ICU admission or repeated hospitalisations can leave a large part of the bill uncovered even when you already have health insurance. Buying a much larger base policy is one solution, but it can significantly increase

Your health insurance premium may remain manageable for several years and then increase noticeably at renewal. This does not always mean the insurer raised your price because you made a claim. You may simply have entered the next health insurance premium age slab. Age slabs influence the premium charged when you buy or renew a