All guides

What Ayushman Bharat PM-JAY covers, who is eligible including all citizens aged 70+ under Ayushman Vay Vandana, how to check, and how it fits with a private health policy.

How co-pay, zone co-pay, deductibles and disease-wise sub-limits work in Indian health policies, the order they are applied in, and worked claim examples.

How employer group health cover differs from a personal policy in India, what happens when you leave a job, migration to an individual policy, and when to buy your own.

Individual and family floater health policies are GST-exempt from 22 September 2025. What the exemption covers, what still carries 18% GST, and how to check a renewal.

How Indian health insurance premiums are priced, the clauses that decide a claim, and the IRDAI, tax and GST rules in force in 2026, with worked examples.

How individual and family floater health policies differ in premium, cover and risk, with worked examples for young families, parents and mixed-age households.

What room-rent capping means in Indian health policies, how proportionate deduction is calculated, which charges are excluded from it, and how to choose a room.

Initial, pre-existing disease, specific-disease and maternity waiting periods under the IRDAI 2024 rules, the 5-year moratorium, removal of the age cap, with dated examples.

Compare three health insurance quotes like for like using premium plus out-of-pocket on test bills, with room-rent, co-pay, sub-limits and waiting periods in the arithmetic.

A step-by-step checklist for buying or renewing health insurance in India, covering cover size, clauses, disclosures, network hospitals, premium, tax and the 30-day free look.

How to insure parents over 60 in India after the 2024 removal of the age cap: senior plans, co-pay, waiting periods, premium increases, PM-JAY for 70+, tax limits and worked examples.

How to port a health insurance policy to another insurer in India, what credit carries over, timelines, documents, a worked example and the mistakes that break continuity.

A method for choosing a health insurance sum insured in India by city, hospital type and family, with medical inflation, worked examples for metro and tier-2 families.

How the health insurance tax deduction works for self, family and parents, the 80D limits, old vs new regime, payment rules and how it continues under the Income-tax Act 2025.

How super top-up and top-up health policies work, aggregate vs per-claim deductibles, worked examples comparing a base upgrade with a super top-up, and pitfalls to check.

Step by step through a cashless health claim in India, from pre-authorisation to discharge, the IRDAI one-hour and three-hour timelines, what to do when cashless is denied.

Why Indian health insurers settle claims for less than the bill: non-payables, room-rent cuts, co-pay, sub-limits, customary charges. A full worked settlement and how to dispute it.

The common reasons Indian health insurance claims are rejected or cut, what the policy wording says about each, how to prevent them and what to do after a rejection.

The escalation route for a rejected or underpaid health insurance claim in India, with time limits, the ₹50 lakh Ombudsman limit, consumer commission tiers and a complaint letter structure.

How non-disclosure of pre-existing conditions affects health claims in India, what the 60-month moratorium protects, what it does not, and how to correct a proposal form.

How to file a reimbursement health insurance claim in India, the documents to collect at discharge, typical deadlines, pre and post hospitalisation bills, and claiming from two policies.

Check that an insurer, agent or web aggregator is IRDAI-registered, that your health policy is genuine, and which official portals to use for rules, tax, GST, PM-JAY and complaints.