Health Insurance

BFSI Insight Summit: Health insurance leaders split on dedicated regulator

At the BFSI Insight Summit 2026, health insurance leaders differed on the need for a dedicated regulator but agreed on improving hospital billing transparency, claims and affordability

Insurance must grow 1.5-2x faster than GDP: Irdai chief Ajay Seth

Ajay Seth says India's insurance sector must grow 1.5-2 times faster than the economy, with faster claims settlement, greater transparency and lower distribution costs key to expanding coverage

Don't let erroneous hospital records hold up your claim: Know your rights

A Delhi consumer court ruling highlights why insurers cannot reject claims over unreasonable document demands and why policyholders must ensure their medical records are accurate.

Unlimited health insurance: Check claim limits before buying a policy

Check policy conditions for co-payments, exclusions, waiting periods and claim restrictions before opting for unlimited health cover; compare premiums and super top-up alternatives

The medical poverty trap is real

Beyond universal coverage, India needs health care facilities that deliver timely, reliable and quality care, not merely exist

Co-payments and deductibles in health insurance: Are they right for you?

Both options can lower premiums, but they increase out-of-pocket expenses during claims. Understand how they work before choosing a health insurance policy

10% health insurance co-pay could push patients' bill burden to 15-19%

Insurers want a mandatory 10 per cent co-pay on retail health policies for lower premiums, but with non-payable costs, policyholders could end up paying 15-19 per cent of hospital bills.

Datanomics: India's health spending tilts towards private hospitals

Nearly $10 billion in global private equity has flowed into Indian hospital chains in five years, underscoring the growing role of private healthcare in meeting demand

Best of Opinion: More rate hikes imminent as RBI revises policy cycle

From the RBI's shift to calibrated tightening and health-insurance copayments to India's tax reform journey, aviation security, today's opinions examine policy trade-offs and institutional change

Risk sharing

Insurance copayment will not address deeper problems

GST input tax credit on group health, life insurance may boost coverage

Allowing employers to claim ITC on GST paid on group health and life insurance could lower effective costs, address a tax disparity and encourage wider employee coverage

Insurers' 10% co-pay plan for retail health claims may not get Irdai nod

Non-life insurers have discussed a 10 per cent co-payment on inpatient hospitalisation costs, but industry executives say the proposal is unlikely to get Irdai's nod

Health insurance premiums: What leading insurers charge for a plan

As Irdai weighs caps on commissions and scrutiny of distribution costs intensifies, comprehensive health cover remains essential amid rising private healthcare expenses

Can tax planning with parents help lower your tax bill? What taxpayers need to know

Tax benefits can apply to health insurance, eligible medical expenses, rent and certain gifts involving parents, but the rules differ. Under the old tax regime, health insurance

World Heart Day: How to cover cardiac risks before an emergency strikes

Rising cardiac treatment costs make adequate health cover and a strong emergency fund essential for financial protection

Financial foundation: Why insurance and emergency funds must precede stocks

Securing your income and emergency reserves ensures market volatility never threatens your essential financial stability

Renewing health insurance? Check these details before enhancing your cover

Compare the new policy with the old one, disclose health changes when seeking higher cover, and obtain written confirmation of the increased sum insured

GST cut lifts insurance demand, expands customer base, boosts coverage

Insurers and distributors have seen higher policy purchases and coverage levels since the GST exemption, though the initial surge in demand has moderated from a higher base

The Myth of Corporate Safety: Why Employer Health Insurance is Not Enough

Corporate health cover may offer convenience, but low limits, co-payments and employment-linked protection can leave families financially exposed during a medical crisis.

Non-life insurance premium rises 10% to ₹27,454.5 crore in August

Standalone health insurers led the rise, recording 30.4 per cent year-on-year growth in premiums to Rs 4,377.14 crore, according to General Insurance Council data