Health Insurance

While large players such as LIC have publicly stated that they can absorb the impact, the broader industry remains wary of margin pressure, evolving cost structures, and potential product-level recalibration

Pollution pushes health insurance claims up 14% post-Diwali across various cities as respiratory, cardiac cases surge

This comes amid long-standing discussions within the industry about introducing city-specific health insurance premiums that factor in air pollution levels as a key risk indicator.

Finance ministry asks hospitals, insurers to make healthcare affordable and accessible for policyholders

Financial Services Secretary M Nagaraju chaired a meeting of representatives of leading insurers, hospitals, General Insurance Council and Association of Healthcare Providers (India) to discuss the issue of medical inflation and rising premium costs.

IRDAI examining feedback on proposal to appoint internal ombudsmen in insurance firms: Ajay Seth

Seth also flagged persistent gaps in health insurance claim settlements, calling for greater transparency and fairness from insurers

Choosing health insurance: The right plan to buy at every age

A clear, practical guide to how your needs change and which cover fits best.

Standalone health insurance market nearly doubles even as Star Health’s dominance halves in 5 years to 32%

Star's aggressive shift towards its retail segment, according to experts, may have hurt Star Health’s ability to capture new market opportunities

Shriram General Insurance eyes Rs 4,500 crore premium, expects 24% growth in FY26: CEO Anil Kumar Aggarwal

CEO Aggarwal said while the company remains confident about meeting its growth target, it continues to grapple with systemic challenges such as the lack of access to motor insurance data, which has kept penetration levels stagnant at around 50%

Distributors agreed to bear ITC as GST relief boosts affordability, volumes, Niva Bupa’s MD and CEO

Niva Bupa CEO Krishnan Ramachandran said that the distributors have agreed to bear the ITC as the recent GST relief is improving affordability and driving higher policy volumes.

Insurance agents’ plea over commission cuts unlikely to be taken up by GST Council

Insurance agents are seeking intervention from the government after insurers slashed commissions following the GST rate rejig, however, one official said the issue does not warrant council's intervention as the matter is a business arrangement within the industry.

Health insurance mistakes that raise your hospital bill

Avoid these common blunders to make sure your insurance actually saves you money when it matters most.

Star Health Q2 profit drops 50% to Rs 317 crore

The expense ratio is currently at 29.7% in H1FY26.

Switching health insurance: Keep your benefits intact while changing plans

Port your policy the right way so you keep waiting-period credits, bonuses, and continuity of cover.

Porting health insurance: Can your new insurer reject your claim?

Switching policies is easier than ever, but understanding claim rules can save you headaches later.

Health insurance or medical corpus: which is the smarter choice?

Both protect you in a medical emergency, but the way they work — and the risks they carry — are very different.

Life insurance vs health insurance: what’s the real difference?

Both cover risks, but one protects your family’s future while the other safeguards you from medical bills.

Why health insurance claims get rejected and how to avoid it

Denial of a health claim can be stressful, but rejections are primarily because of reasons within your control.

How to compare riders and add-ons in health insurance without overspending

Extra cover can be useful, but not every rider is worth the premium you pay.

Is family floater health insurance cheaper than individual covers?

On the surface it looks cost-effective, but the real answer depends on your family’s needs.

What to check before buying health insurance for parents over 60

Premiums are higher, but the right cover can protect against big hospital bills.

Non-life insurers' premium grows 13.17% in September; Acko, United India lead

Overall, general insurers continued to dominate the market with an 83.65% share, followed by standalone health insurers at 11.88% and specialised insurers at 4.47%.

Health insurance costs rising? Here’s what happens if you reduce your base cover

A lower base cover will save you money but simultaneously leave you vulnerable when medical costs rise.

Is unlimited sum insured the best safeguard against rising hospital bills?

Even relatively large covers of Rs 20 to Rs 30 lakh can look inadequate over a 15- or 20-year horizon when medical inflation is consistently running in double digits

Why retaining employee-funded group health insurance add-ons makes sense despite no GST exemption

Group health covers offer several advantages over retail policies, including smoother claim settlement, no waiting period for pre-existing diseases, which are critical for employees' elderly parents, in particular.

Micro-covers turning 'push' insurance into 'pull' products, says Universal Sompo CEO

Regulators are also examining structural reforms such as monoline alongside composite licenses, which could reshape the way insurers operate in India, Mathur says

Hospitals versus health insurers: Why patients are paying the price

Star Health alone logged 13,300 complaints in FY24, over 10,000 of which were claim-related