Health Insurance Guides & Advice
Honest, jargon-free guides on health insurance for Indian families. From buying your first plan to filing a claim — we cover it all.
Complete Health Insurance Guide 2026
Everything you need to know before buying — coverage amounts, plan types, waiting periods, and what to avoid.
Read guideHealth Coverage Calculator
Find out exactly how much health insurance cover your family needs based on city, age, and medical history.
Calculate nowAll Health Insurance Articles23 articles
Arogya Sanjeevani Policy
IRDAI standard Arogya Sanjeevani policy analysis: understand mandatory 5% co-pay, compare premiums across insurers, ₹5L sum insured, and decide if suitable.
Read articleBase Policy vs Super Top-up Health Insurance
Base vs super top-up comparison: understand deductibles, cumulative claims, best combination structure (₹5-10L base + ₹20-25L super) for Indian families.
Read articleBest Health Insurance Plans in India 2026 (Comparison + CSR Data)
Compare the best health insurance plans in India for 2026. Detailed feature comparison, CSR data, and unbiased reviews to help you pick the right policy.
Read articleCashless Hospital Claims
Cashless claims explained: pre-authorization, co-pay, deductibles, room rent impact. Network hospital myths vs reality for Indian health insurance.
Read articleCo-pay in Health Insurance
Co-pay explained: you pay percentage of claim during hospitalization (10%, 20% etc). Learn when co-pay is acceptable and hidden costs during claims.
Read articleCorporate Insurance Not Enough
Why corporate health insurance alone is risky: portability gaps, job-loss impact, parents excluded, sub-limits. Build personal base + super top-up.
Read articleCritical Illness vs Health Insurance
Critical illness pays lump sum on diagnosis; health insurance covers hospital bills. Learn differences, when both matter, coverage amounts per life stage.
Read articleDay Care Treatments in Health Insurance
Day care coverage: cataract, chemotherapy, dialysis, angiography (no 24-hr stay). Verify procedure list, sub-limits, waiting periods in your policy.
Read articleFamily Floater vs Individual Health Insurance
Family floater shares one sum insured; individual plans keep covers separate. Compare costs, claim impact, and why parents need separate policies.
Read articleHealth Insurance for Diabetics in India
Get health insurance with diabetes in India. Learn waiting periods, premium loading, HbA1c requirements, and how to disclose your condition correctly.
Read articleHealth Insurance for Self-Employed in India
Complete guide to health insurance for self-employed: cover sizing, tax benefits under Section 80D, premium budgeting, and claims without HR support.
Read articleHealth Insurance Cover Amount
Calculate right health cover: metros need ₹50L-₹1Cr, Tier-2 cities ₹25-50L. Use base + super top-up strategy, avoid sub-limits impacting claims.
Read articleMaternity Cover Health Insurance
Maternity insurance waiting periods, sub-limits, C-section coverage. Buy early if planning. Normal/C-section delivery, pre/post-natal expenses covered.
Read articleNo Claim Bonus (NCB) in Health Insurance
NCB in health insurance increases cover or reduces premium for claim-free years. Learn how it works in India, common misconceptions, and why you shouldn't rely on NCB alone.
Read articleHealth Insurance for NRIs in India
NRIs visiting India face medical costs without local insurance. This guide covers why NRIs need Indian health insurance, policy options, tax benefits under Section 80D, and how to handle claims during India visits.
Read articleOPD Cover in Health Insurance
Is OPD cover worth buying? Cost-benefit analysis for Indian families: ₹3,000-8,000 premium vs ₹5,000-50,000 cover limits. Expert analysis with practical alternatives.
Read articleHealth Insurance Portability in India
Health insurance portability guide: switch insurers while retaining waiting period credit. Learn timing, underwriting, common mistakes, and step-by-step portability process.
Read articlePre-existing Diseases (PED) in Health Insurance
PED disclosure rules in Indian health insurance: what counts as pre-existing, waiting periods (2-4 years), claim rejection risk, and a practical disclosure checklist.
Read articleRestoration Benefit in Health Insurance
Restoration benefit refills sum insured after claims. Learn how it works in India, key conditions, who needs it, and why it shouldn’t replace adequate cover sizing.
Read articleRoom Rent Limit in Health Insurance
Room rent limits trigger proportionate deductions across your bill (not just room). Learn how they work, spot them, and why policies without limits are better.
Read articleSenior Citizen Health Insurance (60+)
Senior health insurance guide (60+): expect 10-20% co-pay, 1-4 year PED waiting, ₹50,000-70,000/year premiums. Best plans 2026 + buying tips.
Read articleSection 80D Tax Benefits for Health Insurance (2026)
Section 80D guide: ₹25,000 deduction for self/family, ₹50,000 for senior parents (75+). Up to ₹1,00,000 total. Payment modes, HUF rules, limits explained.
Read articleHealth Insurance Waiting Periods in India Explained
Waiting periods in health insurance: 15-30 days initial, 2-4 years PED, 1-2 years specific disease. Plan ahead to avoid claim rejection. Portability tips included.
Read articleStill unsure which plan is right for you?
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