Health Insurance

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

Misselling has to be addressed at the point of sale: LIC's Doraiswamy

Doraiswamy spoke about LIC's plans to maintain its VNB margin at 24-25% and target double-digit growth, its investment strategy and distribution network

Average cancer claim rises 81% in 5 years: How much health cover is enough?

With treatment claims rising to Rs 5.6 lakh, expert explains how families can assess their health cover

Prudential Health India commences operations with tech-led health cover

The technology-first insurer aims to simplify health protection for Indian families with AI-powered experiences and preventive health initiatives

Compare the best super top-up health cover plans before picking one

With healthcare costs rising sharply, comprehensive health insurance and super top-up plans are becoming a necessity for urban Indians seeking stronger financial protection

Insurance regulators weigh reforms to tackle rising medical costs

Medical inflation of roughly 12% to 14% a ​year puts pressure on families and prompts authorities to hunt ways to standardise pricing and ‌coverage

Build layered health cover to shield finances from critical illnesses

Combine a robust base health plan with a super top-up, critical illness cover and a dedicated medical corpus to protect household finances from soaring treatment costs

Bupa open to raising stake in Niva Bupa

Bupa is open to increasing its stake in Niva Bupa as its India business outperforms global operations, with the insurer also focusing investments on technology and distribution