Health Insurance — News & Guides
Latest health insurance news, plan comparisons and expert tips on coverage, cashless claims and family floater policies.
Understanding Health Insurance in India
Health insurance pays for hospitalisation and related medical costs in India and protects your savings from a large bill. When you compare plans, the details that decide a real claim matter more than the premium alone: the sum insured (your annual cover), the waiting periods (an initial 30 days, longer waits for specific illnesses, and up to three years for pre-existing diseases), room-rent limits, co-payment, sub-limits on specific treatments, and the size of the cashless hospital network. A cheaper policy with a tight room-rent cap or a heavy co-pay can cost you far more at claim time. New buyers should also weigh restoration benefits, no-claim bonus and day-care cover.
Our guides explain each of these in plain language. Start with the Health Insurance Hub and the glossary.
Missed Your Health Insurance Renewal? Grace Period Rules 2026
Quick answer: If you miss your health insurance renewal date, you get a grace period — 15 days if you pay premiums mon…
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Non-Payable Items in Health Insurance 2026: Why Claims Get Cut
Quick answer: A cashless claim is rarely settled to the last rupee. Hospitals bill dozens of small items — gloves, syr…
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Ayushman Vay Vandana Card 2026: Is It Enough for Parents 70+?
Quick answer: The Ayushman Vay Vandana card gives every Indian aged 70 and above cashless hospitalisation cover of up to…
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Health Insurance GST Is Zero: Why Your 2026 Renewal Rose
Quick answer: Since 22 September 2025, individual health insurance policies in India are exempt from GST — the 18 per …
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Day Care Treatment vs the 24-Hour Rule: What IRDAI Says (2026)
Quick answer: There is no IRDAI rule that forces every insurer to pay a claim after a two-hour hospital stay. What does …
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Ayushman Bharat for Gig Workers 2026: e-Shram Cover and Gaps
Quick answer: The Union Budget for 2025-26 promised India's online platform workers three things — registration on…
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Super Top-Up vs Top-Up Health Insurance in India: 2026 Guide
Quick answer: A top-up and a super top-up are both extra health covers that only start paying after a fixed amount calle…
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Is AYUSH Treatment Covered by Health Insurance in India? (2026)
Quick answer: AYUSH hospitalisation — Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy — is covered by m…
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Bima Sugam 2026: What IRDAI's Insurance Marketplace Means for You
Quick answer: Bima Sugam is a not-for-profit, IRDAI-backed online insurance marketplace where you will eventually be abl…
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Room Rent Limit in Health Insurance: Proportionate Deduction 2026
Quick answer: A room rent limit caps how much your insurer will pay per day for your hospital bed. If you take a costlie…
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Section 80D Becomes Section 126: Health Insurance Tax Rules 2026
Quick answer: From 1 April 2026 the Income-tax Act, 2025 replaced the Income-tax Act, 1961, and the health insurance ded…
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Senior Citizen Health Insurance Premium Hike Rules 2026
Quick answer: Since a January 2025 IRDAI circular, an insurer cannot raise the premium rate on a senior citizen's health…
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Health Insurance Demand Is Rising, But Customer Experience Is Worsening: What Policyholders Need to Know
Quick Answer: Health insurance adoption in India is increasing as medical costs rise, but a new Hansa Research report sh…
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Is Dengue Covered by Health Insurance in India? (2026)
Quick answer: Dengue is not a named exclusion in a standard Indian health insurance policy, so hospitalisation for dengu…
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Health Insurance Costs Are Rising: What IRDAI’s Proposed Reforms Could Mean for Policyholders in 2026
Health insurance premiums and hospitalisation costs are becoming a growing concern for Indian households. Medical inflat…
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Moratorium Period in Health Insurance India: 60-Month Rule 2026
Quick answer: Once your health insurance policy has run for 60 continuous months, your insurer can no longer contest the…
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Health Insurance Portability in India 2026: Rules & Timeline
Quick answer: Health insurance portability lets you move your policy to a different insurer at renewal while carrying ov…
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Insurance Complaint in India 2026: GRO, Bima Bharosa, Ombudsman
Quick answer: If your insurance claim is rejected, delayed or you have been mis-sold a policy, India has a three-step es…
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Section 80D: Health Insurance Tax Benefits in India (2026 Guide)
Quick answer: Section 80D of the Income Tax Act lets you claim a deduction on the health-insurance premiums you pay for …
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‘Time Is Not Our Friend’: The Health Care Scramble Begins Amid Mixed Signals from Trump
As Congress returns to session this week, lawmakers face an urgent December deadline: extend key Affordable Care Act (AC…
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Health Insurance Cashless Claim Authorisation Rules (IRDAI 2024–25)
The IRDAI (Insurance Regulatory and Development Authority of India) has mandated strict, time-bound rules for processing…
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GST Reform in India: How Rate Cuts Could Impact Individual Health Insurance
GST Rate Cuts May Lower Individual Health Insurance Premiums Individual health insurance premiums currently attract 18%…
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No Cashless Treatment from September 1 for Bajaj Allianz (and Possibly CARE), Says AHPI
AHPI Pulls Cashless Facility for Bajaj Allianz Policyholders Effective September 1, 2025, hospitals under the Associati…
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Top Tips for Choosing the Right Home Insurance Policy in India
All homeowners should think about investing in home insurance since it protects them financially if something goes wrong…
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How to File a Health Insurance Claim in India: Cashless & Reimbursement Procedures Explained.
In India, the task of filing a health insurance claim has been made easier and quicker by the Insurance Regulatory and D…
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HMO vs. PPO: What You Need to Know Before Choosing a Health Plan
The balance of cost & access offered by health insurance can often be confusing, especially when it comes to choosin…
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?Health Insurance Checklist 2025: How to Pick the Right Plan for You
Choosing the right health insurance plan in India isn't easy since these are often riddled with complexities, consid…
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LIC’s Bold Move: Is India’s Insurance Giant Entering Health Care?
The biggest insurance company in India, the Life Insurance Corporation (LIC), has adopted a brave and bold approach towa…
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How lifestyle choices affect your health insurance coverage.?
Your daily habits also affect health insurance premiums. Unhealthy behavior may increase premiums, while positive change…
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Protect Your Loved Ones with a Family Floater Health Plan
All of the family members you have enrolled in a family floater health insurance plan are covered. All members of your f…
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A Basic Guide to Understanding Deductibles, Co-pays, and Premiums
Health insurance can be confusing, but understanding three simple terms—deductibles, co-pays, and premiums—c…
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Top Health Insurance Plans in India for 2025: Choose the Best for Maximum Coverage
When it comes to insurance, covering medical emergencies for oneself and the family is of utmost importance. In 2025, a …
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Key Updates on Health Insurance Policies: What You Need to Know Before Enrolling!
It is necessary to keep in mind the latest provisions in health insurance schemes, which are significant in making enrol…
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5 Hidden Clauses in Health Insurance That Can Cost You Big
Health insurance is essential for managing medical expenses. However, some policies have hidden clauses that can surpris…
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