Health Insurance

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

GST cut likely to boost individual protection, but revival will be gradual, say analysts

The effect on volumes, product mix and profitability will depend on how distribution channels adjust, how insurers reprice to offset the loss of input tax credits, and whether employers push individual policies over group benefits.

Can unlimited health insurance eliminate the fear of falling short of coverage?

A clutch of health insurance companies are now offering health insurance policies without any cap on the sum insured. Can they end the anxiety around inadequate sum insured?

GST relief on health premiums may nudge insurers, companies to revisit India Inc’s employee benefits

With the GST Council continuing to levy 18 percent tax on group health policies, employers may scale back group coverage and shift toward allowances for individual insurance coverage plans.

Does health insurance cover home-based cancer treatment?

Rising medical costs and patient comfort are driving demand for home-based cancer treatments — but does insurance pay for it?

Insurers expect surge in small-ticket policies after GST cut, bet on higher adoption with affordable premiums

Lower entry costs will encourage first-time buyers to consider insurance policies both in life and general plans, and wider adoption and a large customer base is where we see real growth and potential, say industry leaders.

Hospitals vs insurers: All you need to know about the ongoing tiff

What started as a localised issued between Bajaj Allianz and AHPI, has turned out to become a health insurance sector issue with more players latching on to problem

Do you need an unlimited health insurance cover?

The rising medical inflation can make hospitalization costlier than initially thought, triggering anxiety over whether the sum insured is adequate or not. Is unlimited health insurance coverage a solution?

Cashless treatment standoff: AHPI demands higher rates, Bajaj Allianz resists blanket hike, proposes negotiations with individual hospitals

Open to reviewing cashless tariffs based on negotiations with individual entities, no blanket hike across hospitals; hopeful of a resolution before September 1, say insurance officials

IVF coverage in India: Are you really protected by your health insurance?

As IVF treatments become more common, many couples are left wondering if their health insurance will truly cover the costs.

Guard your privacy: Know how much data access you are granting insurers

A health claim dispute in Valsad has raised concerns over insurers’ use of Google timelines and other digital data. Understand the laws and IRDAI rules that safeguard your privacy before granting consent.

Is health insurance enough? When you might need critical illness cover

Standard medical insurance may not be sufficient to handle the financial impact of life-threatening diseases.

Health loss ratios up between 200-300 bps for general insurers in Q1FY26 amid claims spike

ICICI Lombard, Star Health, Niva Bupa, and New India Assurance were among the insurers that reported a deterioration in claims metrics

No deal signed for health insurance yet, says LIC CEO R Doraiswamy

There is a delay in the deal, as we would like to observe the evolving health insurance market closely before making any definitive move, says Doraiswamy