According to the ICMR-INDIAB study (2019-2021), an estimated 101 million people in India were living with diabetes in 2021, corresponding to a national prevalence of 11.4%. Additionally, 136 million people (15.3% of the population) were identified as having pre-diabetes, a condition that indicates ...

CT-guided angiography is typically classified as an diagnostic procedure which can be carried out on OPD basis. If your health insurance policy includes coverage for OPD expenses, it may be covered within your OPD limit. However, since this procedure usually doesn’t require hospitalization and is ...

Yes, you can take multiple health insurance policies, and in fact, this is good option which most of people are not aware of. In this article, I’ll discuss why having multiple health insurance policies can be beneficial, how they work during claims, and the precautions you should take. Why ...

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 ...

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 ...

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 ...

GIPSA stands for the General Insurance Public Sector Association, a group of four public sector general insurance companies. These companies are National Insurance, Oriental Insurance, United India Insurance, and New India Assurance. These insurers have empaneled a number of hospitals across India, ...

It is always better to disclose all information related to your medical conditions and lifestyle upfront to the insurance company before buying a health insurance policy. Otherwise, you may end up paying premiums for years only to have your claim rejected or your policy canceled in the future.

You must have seen advertisements from insurance companies boasting claim settlement ratios of 98-99%. By sheer statistics, it appears that every insurance company is customer-friendly and settles all claims from policyholders. However, choosing a health insurance policy based solely on claim ...

This standard definition which you can find in every health insurance policy, implies that the insurance company will not cover the total cost of treatment if it exceeds the average cost for similar treatments in that region and the type of hospital. Instead, the insurance will pay up to the ...

If you have tried to buy health insurance you might have come across terms like "Restoration of sum insured" or seen ads promoting 2x or 3x, cover etc. But what do these terms really mean? In this article, I have discussed in detail: What "Restoration of sum insured" means in health ...

In simple terms co-payment in Health insurance is the percentage of claim amount that a policyholder has to bear. Insurance regulator IRDA has defined co payment in insurance in Master Circular on Standardization of Health Insurance Products dated 22nd July, 2020 as: “Co-payment means a cost ...