Health Insurance

World Liver Day: Understanding the overlooked gaps in health insurance, from fatty liver coverage to transplant expenses

Advanced liver disease often requires long hospital stays, repeated diagnostics and, in severe cases, transplants costing tens of lakhs

IRDAI’s health insurance reset enters 3-stage reform cycle; sub-committee sets 6- to 18-month roadmap

While recommendations from the subcommittee may come relatively quickly, sources indicated, meaningful on-ground impact on hospital billing, claim settlement and product design is unlikely before 2027 in full form

When your insurance cover looks enough but isn’t

The number feels reassuring on paper, but real-life expenses often tell a very different story

Thinking of changing your health insurer? Here’s how to do it without losing what you’ve built

Porting your policy is possible, but the timing and details matter more than most people realise

Lapsed health insurance? You can revive it but it may cost some benefits

Most health covers offer a grace period of 15 to 30 days after the due date. Your policy remains active during this time and you can pay the premium without losing benefits

Missed March renewal? You can pay in April and keep health insurance cover, but there’s a catch

In India, most health insurance policies include a built-in grace period after the renewal due date.

IRDAI likely to rollout 'scorecards' to rank health insurers, hospitals based on claims, transparency 

IRDAI may rollout these scorecards from June to track metrics such as claim settlement speed, billing practices and documentation standards to help policyholders make informed choices

What IRDAI’s Public Insurance Registry aims to fix 

The Public Insurance Registry is still in the design and consultation stage, with discussions ongoing between the regulator and industry stakeholders

Why do policyholders ignore in-principle approval from insurer, and how can it prevent claim shocks?

In-principle hospitalisation is a conditional benefit wherein the policyholder gets a pre-admission confirmation from their insurer, which gives them peace of mind before they reach the hospital

IRDAI, CII push 'basic health cover' and data-led pricing to reset insurer-hospital dynamics

The earlier discussions of forming a regulatory body for health insurers and hospitals may be off the table, confirmed one industry executive familiar with the matter

Insurance leads India’s consumer complaints surge, data shows

Total grievances in the insurance sector touched 2.57 lakh in FY25, up from about 2.02 lakh in FY23, pointing to a consistent increase in friction between insurers and customers

Rising stroke risk makes higher cover essential: How much health insurance you need at every life stage

Rising stroke cases among young adults expose insurance gaps as treatment costs climb to Rs 12 lakh.

Top-up health insurance explained: How it can boost your medical cover at a lower cost

A top-up policy can increase your health insurance coverage at a relatively low cost, but understanding deductibles and how claims work is important.

What happens to your health insurance claim during a nuclear accident, war?

In such scenarios, compensation/treatment will theoretically fall under government disaster relief mechanisms, not private insurance

Does it make sense to buy a Rs 1-crore health insurance policy?

For those questioning if a Rs 1-crore cover is too much, a glance at private hospital bills in metro cities can be quite revealing

More women take charge of health insurance but still have some distance to go

More Indian women are buying health insurance independently but questions around adequate coverage and policy selection remain

Buying health cover for parents above 65: What the brochure doesn’t emphasise

At this age, the headline premium is rarely the real story. Sub-limits, waiting periods and co-pay clauses quietly shape what you will actually get reimbursed.

Why health cover and an emergency fund are non-negotiable

You can plan investments endlessly, but one hospital bill or income shock can undo years of progress if these two basics are missing.

High sum insured vs super top-up: Which health insurance cover works the best for you?

The two are not alternatives. They serve different emotional and financial roles. A sensible choice is not about maximising one over the other, say experts

Is a Rs 8 lakh health insurance cover enough once you’re in your mid-40s?

Medical costs rise sharply after 40, but the right cover depends on how you live, not just your age.

Is it better to buy separate health insurance for your parents or include them in your family floater?

Experts say a separate policy for parents typically offers better protection and flexibility, whereas a floater works only when coverage is extensive and health risks are low

Lack of credible health data biggest hurdle in insurer-hospital disputes: Subhendu Kumar Bal

Quantitative Impact Study-1 (QIS-1) has been concluded and analysed, while QIS-2 is currently under evaluation, says SBI Life's Chief Risk Officer Bal

Cardiac risk checks are driving up insurance costs even for the young, says report

Insurers have traditionally relied on age‑based risk pooling, assuming that younger members would cross‑subsidise older, higher‑risk cohorts. Plum’s data suggests that this buffer is eroding.

Why your health insurance premium costs what it does, and how to reduce it

Health insurance premiums aren’t random, understand pricing factors and smart ways to reduce your costs.