Health Insurance
13 articles tagged Health Insurance.
Best Health Insurance for Senior Citizens in India 2026: Plans, Premiums, Verdict
Senior health cover is most-needed and most-confusing — and now 18% cheaper after the Sep 2025 GST exemption. Best plans, real premiums, and how to pick by parent's age and city.
GST on Insurance Premium in India 2026: The 18% You No Longer Pay
Your insurance premium is 18% lower since 22 September 2025 — the GST Council exempted individual health and life. The full 2026 picture, what changed, and what still attracts GST.
Restoration Benefit in Health Insurance (India 2026): How Sum-Insured Refill Works
The restoration benefit reinstates your health cover after a claim uses it up — so a second hospitalisation in the same year is still covered. Here's how to read the fine print.
Moratorium Period in Health Insurance (India 2026): The 5-Year Non-Contestability Rule
IRDAI's 2024 reforms cut the health insurance moratorium from 8 years to 5. After 60 months of continuous cover, an insurer can no longer contest your claim on non-disclosure grounds — except in proven fraud.
Free-Look Period in Insurance (India 2026): How to Cancel a New Policy and Get a Refund
Bought a policy you regret? IRDAI's free-look period lets you cancel a new life or health policy within 30 days and get your premium back, minus small deductions.
Day-Care Procedures in Health Insurance (India 2026): The 24-Hour-Rule Exception
Health insurance usually needs 24 hours of hospitalisation to pay a claim. Day-care procedures break that rule. Here is what they cover, how the list works, and why they differ from OPD.
Health Insurance Room Rent Limit Explained: The Sub-Limit That Quietly Cuts Your Claim
A ₹3 lakh hospital bill can shrink to ₹1.5 lakh paid because of one fine-print rule: room rent capping. The full mechanics, who avoids it, and how to switch.
Niva Bupa ReAssure Review 2026: Unlimited Restore, OPD & Verdict
Niva Bupa ReAssure is a value leader — unlimited restore, OPD built in, higher claim ratio and lower premium than Star. Where it wins and where Star still edges it.
Star Health Comprehensive Review 2026: Good, Bad & Who Should Buy
Star Comprehensive's strength is reach — the widest cashless network in India. But a lower claim ratio and no OPD mean it is not the automatic pick. The honest 2026 review.
HDFC ERGO Optima Secure Review 2026: Is the 4X Cover Worth It?
Optima Secure's promise is a cover that quietly multiplies. An honest 2026 review of what you actually get, where it shines, and who should look elsewhere.
Cashless vs Reimbursement Health Claim: How to File Each (2026)
Your health insurer pays one of two ways: cashless or reimbursement. The full 2026 playbook for filing each, the documents you need, and how to avoid delays.
Health Insurance Claim Rejection: Top Reasons & How to Avoid Them (2026)
Most rejected health claims are avoidable mistakes made at purchase or filing. The top reasons claims get rejected in India and exactly how to protect yourself.
How to Choose Health Insurance in India: The No-BS Guide for 2026
Health insurance in India demystified. Cashless vs reimbursement, room rent limits, co-payment, waiting periods, and how to compare plans without losing your mind.