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News, industry explainers and claim stories from across insurance.
Super top-up health insurance can provide a large amount of additional coverage for a relatively affordable premium. However, the policy does not begin paying from the first rupee of every hospital bill. It starts paying only after eligible medical expenses cross the deductible stated in the policy. Understanding who will fund that deductible is essential before buying the cover. What Is a Super Top-Up Policy? A super top-up policy provides additional health insurance after eligible medical
When comparing health insurance policies, many people focus mainly on the sum insured. A policy with ₹10 lakh or ₹20 lakh of coverage can look reassuring, but another line in the policy may significantly affect how much of a hospital bill is actually payable: the room rent condition. The room you choose during hospitalisation may influence more than the room charge itself. Depending on the policy wording, a room rent restriction can also affect certain related hospital expenses. Understanding t
Buying a health insurance policy does not always mean that every medical condition becomes covered from the first day. Some treatments, illnesses or pre-existing conditions may be subject to a waiting period before related claims become eligible under the policy. This is especially important for first-time buyers and people switching or upgrading health insurance. A policy can have a high sum insured, but if a particular condition is still within its waiting period, the related claim may not be
A cashless health insurance facility can make hospitalisation easier because eligible expenses may be settled directly between the insurer or its claims administrator and a network hospital. But many policyholders misunderstand what “cashless approved” actually means. Cashless approval does not mean the entire hospital bill is automatically covered. Room rent restrictions, co-pays, deductibles, exclusions, non-medical expenses and other policy conditions may still affect the final amount. Wha
A health insurance policy may show a sum insured of ₹10 lakh, ₹20 lakh or more, but that does not always mean the full amount is available for every type of treatment or expense. Some policies contain sub-limits, which place a separate cap on particular benefits, procedures or categories of expenses. These limits can affect the amount payable during a claim, especially when the cost of treatment is much higher than the policy's specified cap. Understanding sub-limits before buying or renewing c
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