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Health-focused insurers such as Star Health, Care Health and Niva Bupa are often compared with general insurers such as HDFC ERGO, ICICI Lombard and Bajaj General. But does choosing a company that mainly sells health insurance automatically result in better coverage or smoother claims? Not necessarily. Standalone health insurance companies in India specialise in health-related […]

A ₹10 lakh health insurance policy does not always mean the insurer will pay up to ₹10 lakh for every hospital expense. Your policy may contain smaller caps for room rent, cataract surgery, maternity treatment, ambulance charges or other medical expenses. These caps are called sub-limits. Ignoring them can lead to a partially paid claim

A single major hospitalisation can exhaust a basic health policy, while repeated treatments in the same year can create an even bigger financial gap. Increasing the base sum insured is one option, but it may also increase the premium substantially. This is where super top-up coverage can help. Super top-up health insurance is an additional