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...
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...
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...
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 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...
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...
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...
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...
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...
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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...
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...
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...
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...
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...
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...
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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...
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...
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...
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...
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...
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...
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...
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...
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...