By Sheetal Kumari | March 3, 2025

Moneycontrol PF Team| Aug 13, 2025

6 Proven Ways to Cut Health Insurance Premium Without Losing Benefits

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Opt for a ₹5,000–₹10,000 deductible to cut premiums by 10–20%, paired with a super top-up plan for higher coverage.

Use a Deductible

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Combine a smaller base policy with a cheaper super top-up to expand coverage without high costs.

Choose a Super Top-Up Plan

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Get 10–20% off via long-term, family floater, multi-policy, and lifestyle-based discounts.

 Tap Premium Discounts

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Earn premium benefits or cashback by meeting wellness targets and tracking health.

 Regular Health Check-Ups

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Switch insurers at renewal to get lower rates or better coverage without losing accumulated benefits.

Consider Porting Your Policy

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Choosing twin or multi-sharing rooms can reduce premiums without affecting treatment quality.

Opt for Lower Room Category

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Give your current insurer 45 days’ notice before porting; disclose all health conditions honestly.

 Inform Before Porting

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Review your policy annually to ensure optimal protection at the best possible price.

Balance Cost & Coverage

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Next: PAN 2.0 Launch: 8 Big Changes from the Old System

Thanks For Reading !