Health Insurance

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

Choosing the right health insurance company is not only about finding the lowest premium. A good insurer should offer useful coverage, a strong cashless hospital network, smooth claim support, clear policy terms, and fewer hidden limits. In India, health insurance has become more important because hospital bills, surgery costs, medicines, and room charges are increasing

The health insurance age limit in India is not the same for every policy. After IRDAI’s 2024 changes, the old 65-year reference for buying health insurance has been removed, so senior citizens above 65 can also look for health insurance options. However, this does not mean every policy will accept every person automatically. Approval can

Learn what a group mediclaim policy means, what it covers, how claims work, and why a personal health policy still matters.

Learn eligibility, benefits, and how to apply for a government health insurance scheme in India, including PM-JAY and state plans.