Author: Vinod N

Energy Policy by HDFC ERGO is a health insurance special plan for individuals already living with chronic lifestyle conditions such as Type 1 Diabetes, Type 2 Diabetes Mellitus, Impaired Fasting Glucose (IFG), Impaired Glucose Tolerance (IGT), and Hypertension. Recognizing the long-term medical needs and potential complications associated with these conditions, the policy offers coverage of up to 50 lakh, ensuring strong financial protection against rising healthcare costs. Positive Highlights of the Policy AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homoeopathy) treatments are covered up to the full cover limit without any restrictions, unlike many other policies where prior approval…

Star Health Diabetic Safe insurance policy is for the people who are already diabetic or dibetic with complication and finding difficulty health Insurance policy. This policy comes with two plans Plan A and B. Plan A of policy covers the hospitlisation expenses due to due to complications of Diabetes related to following, without any waiting period – If you have any of these complications before buying this policy then you need to declare the same at the time of policy purchase, and if accepted by star health, then only that complication is covered. Plan B of this policy covers these…

There is growing concern among policyholders as well as prospective buyers regarding the “material change” clauses found in certain health insurance policies. The exact wording of this clause in SBI, ICICI Lombard, and Acko Health Insurance policies is shown in the image below. After several insurance distributors raised questions about this condition, ICICI Lombard issued a clarification. According to them, the clause is intended to reward health improvements and does not require fresh underwriting. They also claim that there is no need for policyholders to notify the company if they renew without changing the sum insured, members, or optional covers.…

IRDAI has released the Flash Figures – Gross Direct Premium Underwritten for and up to October 2025 for non-life insurers. The data shows the market share performance of the top General Insurance and Stand-Alone Health Insurance (SAHI) companies. S.No.Insurance CompaniesPercentage of Market Share1The New India Assurance Company Limited13.19%2ICICI Lombard General Insurance Company Limited8.69%3Bajaj General Insurance Limited6.92%4The Oriental Insurance Company Limited6.54%5United India Insurance Company Limited6.44%6Tata AIG General Insurance Company Limited6.00%7National Insurance Company Limited5.69%8HDFC Ergo General insurance Company Limited4.43%9SBI General Insurance Company Limited4.31%10Reliance General Insurance Company Limited4.10%11Go Digit General Insurance Limited3.03%12IFFCO Tokio General Insurance Company Limited2.67%13Cholamandalam MS General Insurance Company Limited2.27%14Universal Sompo…

If your health insurance policy has a hospital room rent limit, it most likely includes a Proportionate Deduction clause. Let’s understand what this clause means and how it impacts your insurance claims. What is the Proportionate Deduction Clause? In most hospitals, especially large corporate ones, charges such as nursing fees, doctor consultation charges, procedure or surgery fees, and package-based procedure costs are linked to the hospital room category.Simply put, the higher the room category, the higher these charges tend to be. In insurance terminology these costs are called “Associated Medical Expenses.” If you choose a Hospital Room category higher than…

Health insurance policies are no longer a one-size-fits-all product. “Ultimate Care” by Care Health Insurance Limited is one such example. It offers base features and a buffet of 49 optional covers. In this article I have discussed the policy in detail along with the optional covers you can choose to make your policy more comprehensive in terms of coverage. Key Strengths of the Policy 1. No Limit on Sum Insured You can choose any sum insured you want there’s no cap, starting from minimum 5 Lakh to unlimited coverage. Now a days insurance companies are coming up with this option…

Health insurance is one of those things we all hope we never have to use, but when we do, it better work the way we expect. Unfortunately, that’s not always the case. Many policies look great on paper but come with fine print, hidden conditions, or confusing limits that only show up when it’s too late.That’s why I decided to dig into Niva Bupa’s ReAssure 2.0 policy not just to list its features, but to understand how useful it really is in real-world situations. I’ve broken it down into what it gets right, where it leaves you guessing, and the…

Enhanced External Counterpulsation, or EECP, is a non-invasive treatment that’s gaining popularity among cardiologists, especially for patients with chronic or refractory angina and certain types of heart failure. Despite its medical acceptance and effectiveness for selected patients, many policyholders may be surprised to learn that EECP is not covered under health insurance in India. What is EECP Treatment? EECP (Enhanced External Counterpulsation) is a non-invasive outpatient procedure where large cuffs are wrapped around the lower limbs and inflated and deflated in sync with the patient’s heartbeat. This helps improve blood flow to the heart and reduce angina symptoms without the…

Healthcare is a major expense for senior citizens in India, especially as life expectancy increases and medical inflation outpaces general inflation. The challenge becomes more pressing after retirement, when regular income stops, but health risks grow. For many senior citizens, the question isn’t whether to have health insurance but what type, how much coverage, and whether to stick with insurance or self-fund healthcare needs. Insurance vs. Self-Funding Rising premiums are pushing many seniors to rethink their insurance policies. For example, someone who paid ₹25,000 annually for a ₹5 lakh policy a few years ago may now face a premium of…

The General Insurance Council (GIC), a statutory body under the Ministry of Finance, represents the interests of non-life insurance companies in India—including health, motor, fire, marine, and other segments. It works closely with the Insurance Regulatory and Development Authority of India (IRDAI) to support the growth and regulation of the general insurance industry. In a welcome move, the General Insurance Council has launched a dispute resolution portal for hospitals to address long-pending grievances related to non-payment of cashless claims by insurance companies or TPAs, even in cases where such claims were duly authorized. This mechanism has currently been introduced on a pilot basis in the states…