Star Health Forum

Underwriting in health insurance is the process used by insurers to decide whether an applicant qualifies for the coverage. Insurers carefully review several factors during this process such as previous hospital stays, pre-existing medical conditions, ongoing treatments, and the individual's...

Under the Companies Act 2013, insurance companies in India must be registered, with foreign ownership capped at 26%. A health insurance audit is a review of financial records, policies, and claims to ensure the company follows general rules and charges...

In health insurance, lifetime renewability is a feature that helps you renew your policy annually up to your entire lifetime, with no age restrictions. In simple terms, your insurer cannot deny you the opportunity to have your health insurance renewed...

Filling out all required details with accurate and complete information, including your name, pre-existing conditions, current health status, lifestyle habits, and treatments, is essential to avoid claim rejections. Insurers thoroughly verify medical records, and any mismatch or omission can lead...

The revised moratorium period, as presented by the Insurance Regulatory and Development Authority, applies to all health insurance policies. This remains in accordance with the regulator's updated framework. The moratorium period, which has been reduced from eight years to five...

As parents grow older, their health needs also rise, and they require comprehensive management of complex health conditions. Nevertheless, it is essential to navigate the regulatory landscape regarding health insurance age limits to ensure financial security and avoid unexpected coverage...

Understanding IRDAI (Insurance Regulatory and Development Authority of India) regulations before buying a health insurance policy is important because it helps policyholders understand costs clearly, ensures transparency and protects them from mis-selling. These standards are set by IRDAI guidelines to...

Thoracic surgery sounds intimidating, and honestly, it is. We are talking about procedures inside the chest - on the lungs, food pipe, airways, or the chest wall. These aren't minor operations, and the hospital bills reflect that. So when someone...

The waiting period can range from 30 days to 2-3 years. Knowing how it works helps you opt for and use your health insurance plan wisely, so you can plan your coverage early and avoid claim rejections for benefits that...

The Insurance Regulatory and Development Authority of India (IRDAI) functions as an autonomous regulatory authority and is responsible for regulating and safeguarding the health insurance policyholder's interests.

It oversees policy issuance and claims through strict regulations, fair practices, and efficient grievance...