Health Insurance

Health insurance portability allows you to move your existing policy to another insurer without losing all the continuity benefits you have already earned. It can be useful when you are unhappy with the premium, coverage, hospital network or claim service of your current insurer. However, switching is not always beneficial. The new insurer may charge […]

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

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

Many people buy health insurance thinking their policy will cover every hospital bill from day one. But the real problem starts when a claim is rejected because the treatment falls under the waiting period. That is why understanding the waiting period in health insurance is very important before buying any policy. It is not a