About

Aarogya Ank is an independent information site about health insurance in India. It explains how retail health policies are priced and built, what the IRDAI rules in force in 2026 say about waiting periods, claims and policyholder rights, how the tax and GST treatment works, and how government schemes such as Ayushman Bharat PM-JAY fit alongside private cover.

The site is for people buying a first policy, renewing, adding parents, porting to another insurer or dealing with a claim that was cut or rejected. Every guide works through the numbers so you can repeat them with your own quotes. Rupee premiums and bills in examples are illustrative, not prices from any insurer.

We do not sell insurance, are not an insurer, broker, agent or web aggregator registered with IRDAI, and do not rank insurers. We do not give medical advice: questions about diagnosis or treatment belong with a qualified doctor. Tax points are general information, not tax advice. Rules change, so each guide names the official source to check: IRDAI, the Income Tax Department, the GST Council, the National Health Authority, the Council for Insurance Ombudsmen and the consumer commissions.

How this site is made

Aarogya Ank is an independent information project. Guides are drafted with the help of AI writing tools and checked against official and primary sources before publication; see our Editorial Policy. We are not affiliated with any provider mentioned on the site and do not sell products or services.