Health insurance premiums in India are rising every year, making it a growing concern for policyholders. Take Ramesh, for example. Last year, he paid INR 30,000 for his family health insurance policy. Now, on renewal, Star Health has increased the premium to INR 40,000 - a steep 33% hike. This is ...

On January 30, 2025, the Insurance Regulatory and Development Authority of India (IRDAI) issued a new circular senior citizens premium in health insurance policies. The key takeaway? Insurance companies cannot increase premiums for senior citizens by more than 10% per year. If they want to hike it ...

Super top up insurance policies can be confusing, especially when it comes to claim settlements. I have simplified the concept using examples to explain how these policies work and whether you should consider buying a super top-up health insurance policy. What is Deductible in Super Top Up ...

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 ...

The Health Koti Suraksha policy by HDFC Ergo is a health insurance plan that offers both health insurance and comprehensive personal accident coverage. This policy is particularly suitable for those seeking to combine health insurance and personal accident coverage into one plan, allowing ...

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 ...

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 ...

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 ...

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 ...

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 ...