Star Health Forum

The rising medical costs in India make health insurance an essential financial protection for individuals. Policyholders use claim payments and treatment reimbursements for their medical expenses, but they have a common concern: are the amounts really taxable?

The Income Tax Act...

Usage-based health insurance is a personalised insurance model where your premium is influenced by how you manage your health, rather than being a fixed, one-size-fits-all cost. It builds on the broader idea of usage-based insurance - where pricing adapts to...

Know Your Customer (KYC) is a mandatory process when availing health insurance. It requires verifying a policyholder's photo identity and address to prevent identity misuse, ensure regulatory compliance, and facilitate hassle-free claim settlements.‌

The Insurance Regulatory and Development Authority of India...

There is no such health insurance policy that can cover heart disease from day one, since it is categorised as a pre-existing condition. You need to wait for at least 30 days or a maximum of 4 years to make...

Buying health insurance is the best thing you can do to secure your savings from the financial burden of unexpected medical emergencies.

However, if the policyholder already has certain diseases, such as diabetes, hypertension, and asthma, before purchasing a policy, there...

The moratorium period, or look-back period, is the period after which insurers generally cannot deny claims for pre-existing diseases, such as diabetes, unless there is evidence of intentional misrepresentation or the condition falls under a permanent exclusion.

As for the duration...

Health insurance plans are designed to help cover medical costs, but they don’t pay for everything. When you visit a doctor, buy medicines, or get tests done, you may still need to pay part of the bill yourself. Two common...

In the insurance field, digital literacy is the process by which an insured person searches, evaluates, and manages his health insurance information through digital media. For the people of India, regardless of whether they are youths or elderly citizens, digital literacy...

If buying health insurance is on your checklist, you may be confused between online and offline methods. Although both of these options have some specific advantages, online processes are often more sufficient due to increased flexibility, transparency, and cost-effectiveness.

In fact,...

Predictive analytics in health insurance works by analysing large volumes of historical health and claims data to forecast future risks, costs, and patient outcomes. Insurers collect data from sources such as electronic health records, claims histories, and healthcare systems, then...