Vinod N 
HDFC Ergo has announced the launch of cashless post-hospitalization claims, set to roll out in the third week of December 2024 through its app, Here. As the name suggests, post-hospitalization expenses cover costs incurred on doctor consultation, diagnostic, medicine etc after a person is discharged from the hospital, provided these expenses are directly linked to … Read more
You may have been diligently paying your health insurance premiums for years, feeling secure that your financial worries in case of an illness are covered. But one day, you fall sick, require hospitalization, and file a claim, only to face rejection. The reasons could be something like “hospitalization was not medically necessary” or some other … Read more
A pacemaker battery generally lasts 5–6 years, but sometimes it might need replacement earlier. Now, the big question: does health insurance cover this cost? Let me explain in simple terms, so there’s no confusion. If you are still with the same insurance company that covered your pacemaker surgery, getting claim of of pacemaker battery replacement … Read more
When purchasing a health insurance policy, the first preference is often to look for plans that have no restrictions or limits in coverage. But is it truly possible to buy a health insurance policy without sub limits? With many insurers marketing ₹1 crore health insurance plans at so-called affordable premiums, one might assume these plans … Read more
The health insurance sector in India is witnessing rapid growth, especially post-COVID, due to heightened awareness among the general populace and double-digit medical inflation. This expanding market has attracted new players seeking to capitalize on the rising demand. One such entrant is Galaxy Health Insurance, a new company licensed by IRDAI in March 2024. It … Read more
HDFC Ergo’s flagship health insurance product, HDFC Optima Secure, is one of the most popular and best-selling policies in India. In this post, we’ll review key features of this policy, discuss potential areas of concern, and give a final verdict on whether it’s worth considering for your health insurance needs. Basic Features of HDFC Optima … Read more
Oriental Insurance, a public sector general insurance company, offers a cancer-specific health insurance policy named Oriental Cancer Protect Policy. This post reviews the key features and limitations of this policy. Despite its name, Oriental Cancer Protect Policy is not available to individuals already diagnosed with cancer. It is available for individuals who have no prior … Read more
MD India is a Third Party Administrator (TPA) that settles health insurance claims on behalf of insurance companies. Private insurance companies, however, typically have their own in-house claim settlement teams. As a result, for the majority of their health insurance business, they do not rely on TPAs. In some Group Mediclaim Policies, corporations which are … Read more
This article discusses in detail the insurance coverage for balloon sinuplasty. Is it considered a conventional or advanced treatment? Does your policy place any limits on its coverage? I have addressed all these issues here in this article. Balloon sinuplasty is used to treat chronic sinus problems that have persisted for some time and have … Read more
The Master Circular on Health Insurance Business is undoubtedly a customer-centric move by IRDAI, addressing key pain points from the policyholder’s perspective. The reduction in the moratorium period, extension of free Look Period, coverage during grace period etc are set to positively impact both the health insurance industry and customers.