Page 37 - Health Insurance

Health insurance cover: Restore option or higher sum assured?

Restore option doubles your sum assured, in case you need it but comes with its own set of restrictions

Why disclosing pre-existing diseases to your health insurers pays

It helps the insurer to understand the nature of risk it is taking and minimises the possibility of claim rejection

Mediclaim policy: A numbers-driven approach to buying health insurance

Instead of getting confused by the spiel of agents, use parameters like waiting period, claim-settlement ratio and price comparison to make the right choice

Insurers offering cashless benefits for OPD, diagnostics at lower premiums

Before you buy a plan, check if you can make full use of it. Most don't even exhaust the entire benefit, says expert

Opt for a personal accident policy, not rider

The policy offers more comprehensive coverage than a rider for varying levels of injury and disability caused by accidents

Health insurance is too costly, remains limited in India: Report

Insurers have been working tirelessly to expand coverage and distribution, leveraging newer distribution models and technology

Health insurance firms to create database on fraudulent claims

For the latest reporting month of May 2017, general insurance premium has risen by 15.95%

Choose health insurer with care

Unlike life insurance, health insurance has to be renewed almost every year

Lower premiums come at a cost

Sharing the claim burden with an insurer makes sense in auto insurance

Get discounts for staying healthy

Staying healthy is good news for the insurance company as well since it implies lower claims

Your money: Disease-specific covers suited for high-risk patients

Such policies cover early stage ailments, too, unlike a comprehensive critical illness plan

Health insurance: The more the better

Health care inflation rises at twice the speed of consumer inflation rate

Cashless health insurance for families earning below Rs 5 lakh in Assam

437 diseases covered under 6 heads; scheme to cost state Rs 200 cr a year

Health insurers pip non-life segment in premium growth

Aditya Birla Health is the most recent addition that commenced operations in October

OCARE launches India's first dental insurance product

Dental insurance usually falls under the general health insurance plan and does not cover dental ailments exclusively

Weigh pros and cons of benefit-based products

While premium of these policies is constant, you could be left without a cover once their term expires

PM's new health insurance scheme may cost over Rs 8000 crore

Currently, the poor families are covered under Rashtriya Swasthya Bima Yojana for up to Rs 30,000 expenses

51% of health insurance holders are under insured: Apollo Munich

Apollo Munich studied around 7 lakh health insurance policyholders spread across 82 cities in India

PM National Health Insurance scheme will be a game changer

Present scheme for BPL people, under RSBY, has expanded the national health insurance scheme with more than 75% coverage

Innovative health insurance products on the anvil

Final sector regulations will lead to disease-specific covers and lower premium for the healthy