# gameofinsurance > Simplifying Health Insurance for You ## Posts - [Oriental Sampoorna Swasthya Policy Review: Features, Benefits, Limitations & Royal Plan Analysis](https://gameofinsurance.com/oriental-sampoorna-swasthya-policy-review-features-benefits-limitations-royal-plan-analysis/): Oriental Insurance Sampoorna Swasthya Suraksha Policy is a newly launched Health Insurance Policy designed to offer comprehensive coverage with a high level of flexibility. One of the key highlights of this policy is that it allows you to customise the coverage based on your needs. The policy is available in three variants – Premium, Elite, - [Why Health Insurance Claims Get Rejected: IRDAI Standard Health Insurance Exclusions You Must Know](https://gameofinsurance.com/why-health-insurance-claims-get-rejected-irdai-standard-health-insurance-exclusions-you-must-know/): There is always a focus on what is covered in a health insurance policy. Insurance companies market the coverage extensively, highlighting benefits and features. But what is often overlooked is what is not covered – the exclusions. These exclusions in health insurance are just as significant as the coverage itself. Since they do not receive - [IRDAI Updates Liaison Office Rules for Foreign Insurers](https://gameofinsurance.com/irdai-liaison-office-guidelines-2026-foreign-insurers/): Indian insurance landscape is evolving rapidly. To make the market more competitive and accessible, the Insurance Regulatory and Development Authority of India (IRDAI) recently updated the rules for foreign insurance companies looking to set up a “Liaison Office” in India. IRDAI issued amended guidelines on February 11, 2026, replacing the older 2022 framework. These rules - [IRDAI Clarifies Investment Rules for Alternative Investment Funds (AIFs)](https://gameofinsurance.com/irdai-guidelines-aif-investment-clarification-2026/): On February 12, 2026, the Insurance Regulatory and Development Authority of India (IRDAI) issued a new circular (IRDAI/F&I/CIR/INV/28/2/2026) clarifying how insurers can invest in Alternative Investment Funds (AIFs). It gives insurers more flexibility to grow their funds while keeping your money safely within Indian borders. What the IRDAI Circular Says Previously, insurance companies faced strict - [HDFC Energy Health Insurance Policy Review: Benefits, Features & Verdict](https://gameofinsurance.com/hdfc-energy-health-insurance-policy-review-benefits-features-verdict/): 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 - [Star Health Diabetes Safe Insurance Policy Explained: Everything You Must Know Before Buying](https://gameofinsurance.com/star-health-diabetes-safe-insurance-policy-explained-everything-you-must-know-before-buying/): 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 - [Material Change Clause in Health Insurance](https://gameofinsurance.com/material-change-clause-in-health-insurance/): 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 - [IRDAI Flash Figures October 2025: Market Share of Top General and Health Insurers](https://gameofinsurance.com/irdai-flash-figures-october-2025-market-share-of-top-general-and-health-insurers/): 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 Companies Percentage of Market Share 1 The New India Assurance Company Limited 13.19% 2 ICICI - [Proportionate Deduction Clause in Health Insurance Policies](https://gameofinsurance.com/proportionate-deduction/): 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 - [Ultimate Care by Care Health Insurance: A Deep-Dive Review with Practical Insights](https://gameofinsurance.com/ultimate-care-by-care-health-insurance-a-deep-dive-review-with-practical-insights/): 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 - [Niva Bupa ReAssure 2.0 Bronze+ Review: Full Benefits, Fine Print & Expert Take](https://gameofinsurance.com/niva-bupa-reassure-2-0-bronze-review-full-benefits-fine-print-expert-take/): 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 - [Why Enhanced External Counterpulsation (EECP) is Not Covered Under Health Insurance in India](https://gameofinsurance.com/enhanced-external-counterpulsation-eecp-coverage-under-health-insurance-in-india/): 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 - [Health Insurance for Senior Citizens in India: Smart Planning Beyond Just Premiums](https://gameofinsurance.com/health-insurance-for-senior-citizens-in-india-smart-planning-beyond-just-premiums/): 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 - [GI Council Launches Dispute Resolution Portal for Hospitals](https://gameofinsurance.com/gi-council-launches-dispute-resolution-portal-for-hospitals/): 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 - [Common Empanelment by IRDAI](https://gameofinsurance.com/common-empanelment-by-irdai/): There are more than 30 insurance companies in India offering health insurance policies. Each of these insurers has its own network of empanelled hospitals, and they continuously add more to their network. Every hospital signs separate agreements with different insurance companies—these agreements cover things like applicable rates for treatment and discounts on the final hospital - [Permanent Exclusions In Health Insurance IRDAI](https://gameofinsurance.com/permanent-exclusions-in-health-insurance-irdai/): Every health insurance policy includes a list of exclusions, these may be specific diseases, conditions, procedures, or equipment that are not covered by the policy. If a person already has a disease at the time of purchasing the policy, the insurance company may still offer coverage, but with a waiting period for that pre-existing condition. - [Types of Exclusion in Health Insurance In India](https://gameofinsurance.com/types-of-exclusion-in-health-insurance-in-india/): We all know that a Health insurance policy doesn’t cover everything. There are certain treatments, medical conditions, and even items like equipment or supplies that insurance companies do not pay for. These are listed under the “exclusions” section of the policy. But while most people are aware of what a health insurance plan does cover, - [National Insurance Parivar Mediclaim Policy Review](https://gameofinsurance.com/national-insurance-parivar-mediclaim-policy-review/): National Insurance Parivar Mediclaim is a floater health insurance plan where you can choose a sum insured between ₹1 lakh and ₹10 lakh for the entire family. In this post, we will discuss the key positive features and limitations of this policy in detail. Good features of this policy Policy covers hospitalization expenses for 45 - [Lasik Surgery Coverage In Health Insurance In India](https://gameofinsurance.com/lasik-surgery-coverage-in-health-insurance-in-india/): You may not be aware that your health insurance policy covers Lasik surgery for correction of refractive errors. If your specs number is higher than +7 or -7 (what doctors refer to as a refractive error above 7 diopters), you may be eligible for Lasik surgery coverage under your health insurance. However, most people are - [IRDAI Issues a Formal Warning to Heritage TPA](https://gameofinsurance.com/irdai-issues-a-formal-warning-to-heritage-tpa/): IRDAI carried out a remote inspection of Heritage TPA in November 2021, and based on this inspection, IRDAI issued a show cause notice to Heritage TPA in 2024 and now a warning and advisory. IRDAI, during its inspection, found that the TPA was closing health claims citing pending documents from claimant, while informing only to - [How to Manage Rising Health Insurance Premiums in India](https://gameofinsurance.com/how-to-manage-rising-health-insurance-premiums-in-india/): 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 not an isolated case; - [Health Insurance Guide for Diabetics](https://gameofinsurance.com/health-insurance-guide-for-diabetics/): 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 a high risk of developing diabetes in the near future. Given the - [ICICI Elevate ‘Infinite Care’- A Game-Changer or Just a Costly Add-On?](https://gameofinsurance.com/icici-elevate-infinite-care-a-game-changer-or-just-a-costly-add-on/): ICICI Lombard launched its Elevate Health insurance plan in July 2024 with much fanfare, claiming to introduce some innovative, industry-first features. One such optional cover is ‘Infinite Care,’ which appears to be the first of its kind in any health insurance policy in India. Shortly after, Star Health also introduced its Superstar policy, featuring a - [A Closer Look at India’s Health Insurance Sector: Insights from IRDAI’s Annual Report for FY 2023-24](https://gameofinsurance.com/a-closer-look-at-indias-health-insurance-sector-insights-from-irdais-annual-report-for-fy-2023-24/): The Insurance Regulatory and Development Authority of India (IRDAI) has published its annual report for the financial year 2023-24, offering a comprehensive analysis of insurance sector in India. The report covers key areas like industry growth, new initiatives introduced by IRDAI, and the latest additions to insurance companies and more. I’ve extracted the health insurance - [Modern Treatments coverage in Health Insurance in India](https://gameofinsurance.com/modern-treatments-coverage-in-health-insurance-in-india/): The Insurance Regulatory and Development Authority of India (IRDAI) has been a harbinger of change in the country’s insurance landscape through its timely circulars and guidelines across various domains. These efforts have significantly shaped the orderly growth of India’s insurance sector especially Health Insurance. In 2019, the IRDAI introduced guidelines on modern treatments with circulars - [IRDAI on Senior Citizens Health Insurance premium](https://gameofinsurance.com/irdai-on-senior-citizens-health-insurance-premium/): 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 beyond this limit, they must first get approval - [Star Health SuperStar vs Assure Health Insurance](https://gameofinsurance.com/star-health-superstar-vs-assure-health-insurance/): In this article, I’ve compared two of the most popular health insurance policies from Star Health Insurance—SuperStar and Assure Health Insurance. SuperStar is a newly launched policy available exclusively online through PolicyBazaar or the Star Health website. On the other hand, the Assure policy can be purchased both online and offline, including through agents. Below - [Is CT Guided Angiography Covered in Health Insurance?](https://gameofinsurance.com/is-ct-guided-angiography-covered-in-health-insurance/): 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 purely diagnostic, it is often not covered under standard policies - [Super Top Up Health Insurance](https://gameofinsurance.com/super-top-up-health-insurance/): 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 Health Insurance? A super top-up policy covers claims - [Critical illness insurance ](https://gameofinsurance.com/critical-illness-insurance/): Critical illness insurance as the name indicate is to cover the severe illness that require prolonged medical treatment and care. Unlike standard health insurance policy which provide coverage for medical expenses during hospitalisation critical illness insurance provides LUMP SUM PAYMENT on diagnosis/treatment of covered critical illness.  How Does Critical Illness Insurance Work? For example, if - [Can You Take Multiple Health Insurance Policies?](https://gameofinsurance.com/can-i-take-multiple-health-insurance-policies/): 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 Consider Multiple Health Insurance Policies? You - [HDFC Ergo Health Koti Suraksha Policy Review](https://gameofinsurance.com/hdfc-ergo-health-koti-suraksha-policy-review/): 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 customization based on individual needs. The policy includes various features and optional - [HDFC Ergo launches cashless post-hospitalization claims – a game changer?](https://gameofinsurance.com/hdfc-ergo-launches-cashless-post-hospitalization-claims/): 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 - [Star Health Insurance Grievance](https://gameofinsurance.com/star-health-insurance-grievance/): 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 - [Does Insurance Cover Pacemaker Battery Replacement?](https://gameofinsurance.com/does-insurance-cover-pacemaker-battery-replacement/): 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 - [Sub Limit In Health Insurance](https://gameofinsurance.com/sub-limit-in-health-insurance/): 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 - [Galaxy Promise by Galaxy Health insurance](https://gameofinsurance.com/galaxy-promise-by-galaxy-health-insurance/): 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 - [HDFC Optima Secure](https://gameofinsurance.com/hdfc-optima-secure/): 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 - [Oriental Insurance Cancer Protect Policy](https://gameofinsurance.com/oriental-insurance-cancer-protect-policy/): 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 - [MD India Health Insurance](https://gameofinsurance.com/md-india-health-insurance/): 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 - [Balloon sinuplasty insurance coverage](https://gameofinsurance.com/balloon-sinuplasty-insurance-coverage/): 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 - [IRDAI Master circular on Health insurance Business Review](https://gameofinsurance.com/irdai-master-circular-on-health-insurance-business-review/): 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. - [What is GIPSA PPN?](https://gameofinsurance.com/what-is-gipsa-ppn/): 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, referred to as the Preferred Provider Network (PPN). Apart from the PPN package rates for surgical procedures, hospitals also agree to offer discounts on their cash rates (treatment costs for patients without insurance) to policyholders of these insurance companies. - [Non Disclosure in Insurance Contract](https://gameofinsurance.com/non-disclosure-in-insurance-contract/): 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. - [Health Insurance vs. Ayushman Bharat: Which Is Better for Seniors Aged 70+?](https://gameofinsurance.com/health-insurance-vs-ayushman-bharat-which-is-better-for-seniors-aged-70/): Treatment costs under private health insurance are significantly higher compared to Ayushman Bharat. Health insurance companies pay hospitals more, while Ayushman Bharat offers package rates that are relatively low. This often leads private hospitals to prefer insured patients over Ayushman Bharat beneficiaries. - [Pre existing diseases in health insurance](https://gameofinsurance.com/pre-existing-diseases-in-health-insurance/): It’s not a good idea to hide a pre-existing disease/condition. You might pay premiums for years, only to have your policy cancelled later for not being upfront. - [New India Yuva Bharat Health Policy ](https://gameofinsurance.com/new-india-yuva-bharat-health-policy/): New India Assurance is the largest general insurance company in the India. New India offers a wide range of health insurance products and one of their key health insurance product is the New India Yuva Bharat Health Policy, which is specifically designed to meet the needs of young Indians. As the name of policy suggests - [What is an insurance TPA?](https://gameofinsurance.com/what-is-an-insurance-tpa/): A TPA, or Third Party Administrator, is an independent organization that works on behalf of insurance companies. It’s not directly part of the insurance company but serves as an intermediary. In this article, we’ll explore what an insurance TPA is, their roles and functions in health insurance, the total number of TPAs approved by the - [Narayana Health Insurance](https://gameofinsurance.com/narayana-health-insurance/): On December 28, 2023, the insurance regulator IRDAI granted a health insurance license to Narayana Health Insurance Limited. This makes Narayana Health Insurance the sixth company to operate in the standalone health insurance segment. However, Narayana Health Insurance stands out from the rest because it is the first health insurance company that can leverage its - [HDFC ERGO Launches Optima Wellbeing, a unique OPD subscription](https://gameofinsurance.com/hdfc-ergo-optima-wellbeing/): HDFC ERGO has launched Optima Wellbeing, a new OPD subscription Add on plan, in Pune. This plan offers cashless OPD services and discounts of up to 50% on diagnostics and medicines. - [Claim Settlement Ratio](https://gameofinsurance.com/claim-settlement-ratio/): 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 settlement ratio can be confusing and challenging. In this article, I will discuss whether - [Reasonable and Customary charges](https://gameofinsurance.com/reasonable-and-customary-charges/): 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 average cost of treatment for that particular disease in that city and type of hospital. - [Restoration of Sum insured meaning](https://gameofinsurance.com/restoration-of-sum-insured-meaning/): 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: I will try to explain this term with a practical example. Suppose - [Co Payment in Insurance](https://gameofinsurance.com/co-payment-in-insurance/): 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 sharing requirement under a health insurance policy that provides - [IRDA 2024 guidelines on Pre-existing diseases and Moratorium period](https://gameofinsurance.com/irda-2024-guidelines-on-pre-existing-diseases-and-moratorium-period/): The Insurance Regulatory and Development Authority of India (IRDA) on March 20, 2024 through its circular “Insurance Products Regulations, 2024”  has introduced changes regarding pre-existing diseases and the moratorium period in health insurance policies. In this article, I have discussed- Pre- existing disease(s) Before the current changes, IRDA’s Master Circular on Standardization of Health Insurance Products, dated - [Does insurance cover home dialysis ?](https://gameofinsurance.com/does-insurance-cover-home-dialysis/): Does your health insurance policy cover home dialysis? Dialysis is often recommended for patients with chronic kidney diseases, where the kidneys have sustained irreparable damage. The only way left to replicate the functions of the kidney in such cases is through dialysis. Generally, Health insurance policies cover expenses related to chronic kidney diseases, including dialysis - [A comparison between Star Comprehensive Health insurance and Family Health Optima](https://gameofinsurance.com/star-comprehensive-health-insurance-and-family-health-optima/): Star Health Insurance Company’s comprehensive health insurance and family health Optima policies stand out as top-selling insurance products in the Indian market. The similarities between these two policies creates a lot of confusion among customers, making it challenging for them to decide which policy to choose. I have emphasized the difference in coverage between these - [Room rent limit in Health Insurance](https://gameofinsurance.com/room-rent-limit-in-health-insurance/): Choosing the right health insurance terms is crucial because you’re making a long-term commitment. You’ll be paying premiums for years, so understanding vital terms ensures your coverage truly suits your needs when you eventually need it. The term “hospital room rent limit” in health insurance policies may seem straightforward, but its scope extends beyond solely - [Is physiotherapy covered under health insurance?](https://gameofinsurance.com/is-physiotherapy-covered-under-health-insurance/): Physiotherapy is recommended by doctors for various conditions related to muscles, bones, joints, ligaments, and tendons. This includes conditions like arthritis, back pain, sprains, and strains. Physiotherapy helps patients recover and regain mobility after surgeries, such as joint replacements or orthopedic procedures. Apart form these physiotherapy is also prescribed in various other cases like sports - [Which Health Insurance rebranded itself as care health insurance?](https://gameofinsurance.com/which-health-insurance-rebranded-itself-as-care-health-insurance/): Religare Health insurance company rebranded itself as Care Health insurance company in September 2020. Companies rebrand themselves for a number of reasons, and the decision may typically be driven by a combination of internal and external factors. The evolving demographic landscape of Indian youth is creating fresh opportunities for health insurance companies. In response, Religare - [Is bariatric surgery covered by insurance](https://gameofinsurance.com/bariatric-surgery-covered-by-insurance/): Bariatric surgery, a weight-loss procedure, has become increasingly important in India due to the rise in obesity-related health issues. Does insurance companies cover the bariatric surgery cost under their health insurance plans? In this post We will analyse this in detail. As per WHO BMI greater than or equal to 25 is overweight and BMI - [Happy Family Floater Policy](https://gameofinsurance.com/happy-family-floater-policy/): Happy family floater policy is flagship family floater product by oriental insurance company. In 2021 policy underwent revision which includes incorporation of new terms. ## Pages - [DMCA Notice](https://gameofinsurance.com/dmca-notice/): At Game of Insurance, we respect the intellectual property rights of others and expect our users to do the same. If you believe that your work has been copied in a way that constitutes copyright infringement on our website, please follow the steps below to notify us. DMCA Takedown Notice In accordance with the Digital - [Disclaimer](https://gameofinsurance.com/disclaimer/): Last Updated: 22/02/2025 Welcome to Game of Insurance. The following disclaimer outlines the terms and conditions regarding the use of our website, gameofinsurance.com. By accessing and using the website, you agree to comply with the terms set forth in this disclaimer. Please read this disclaimer carefully to understand your responsibilities and limitations when using the - [Terms and conditions](https://gameofinsurance.com/terms-and-conditions/): Last Updated: 22/02/2025 Welcome to Game of Insurance. These Terms and Conditions govern your use of our website, accessible at gameofinsurance.com. By accessing and using our website, you agree to abide by these Terms and Conditions. If you do not agree with any part of these terms, you must refrain from using our site. Please - [Privacy Policy](https://gameofinsurance.com/privacy-policy/): Last Updated: 22/02/2025 At Game of Insurance (accessible at gameofinsurance.com), we are committed to protecting your privacy. This Privacy Policy outlines the types of information we collect, how we use it, and the measures we take to safeguard your personal data. By accessing and using our website, you consent to the practices described in this - [Game of Insurance](https://gameofinsurance.com/): HDFC Energy Health Insurance Policy Review: Benefits, Features & Verdict ByVinod N December 10, 2025 Health Insurance 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… Read More Star Health Diabetes Safe Insurance Policy - [About Us](https://gameofinsurance.com/about/): At Game of Insurance, we understand that insurance can often feel like a maze of confusing jargon and complex terms. The constant bombardment of marketing campaigns by insurance companies can easily lead individuals to purchase policies that may not suit their specific needs. That’s where we come in – to simplify the world of insurance - [Contact Us](https://gameofinsurance.com/contact-us/): We’d love to hear from you! Whether you have a question, need clarification, or just want to share your thoughts, feel free to get in touch with us. Below are the different ways you can contact Game of Insurance. Our Contact Information For any inquiries, concerns, or support, you can reach us through the following: ## Optional - [Agent (MCP protocol)](websites-agents.hostinger.com/gameofinsurance.com/mcp) [comment]: # (Generated by Hostinger Tools Plugin)