Star Health Forum

Group Medical Coverage (GMC) and Group Personal Accident (GPA) are widely used forms of corporate insurance that employers offer to safeguard their workforce. Although both policies are designed to offer financial protection, they are used differently, and they work differently....

Health insurance policies in India include sub-limits and caps on certain expenses. One of the most important of these is the ICU (Intensive Care Unit) charge limit. As ICU care is the most expensive part of hospitalisation, understanding how these...

Maternity insurance offers financial coverage against pregnancy-related expenses, ensuring protection and peace of mind. However, they come with sub-limits which influence the actual maternity coverage offered by your health insurance plan.

Sub-limits are the capped amount that your insurance company will...

A policy schedule gives a brief summary of what is covered under your health insurance policy. It is normally included at the start of your policy document by insurers. This formal document includes the policyholder's details, the sum insured, exclusions,...

Health insurance assists in paying medical bills. However, accidents can result in greater financial issues, such as loss of income or permanent disability. This is where a Personal Accident (PA) add-on comes in handy. It enhances your policy through financial...

The fundamental difference between a contributory group health plan and a non-contributory group health plan lies in their methods for sharing health insurance premiums. A contributory plan requires both the employer and employees to share the premium costs according to...

Respiratory ailments are common, especially with the changing seasons, and are usually treatable at home or with a simple course of medication. However, as people become increasingly aware of various viruses, one cannot help but worry about the effects such...

Buying health insurance is not just about picking a plan with a low premium. Many policies come with limits, waiting periods, and conditions that only become clear when you try to use them.

Taking the time to review a few important...

Certain medical conditions can directly influence how insurers calculate a health insurance premium. Insurers apply premium loading when a medical condition requires people to receive continuing medical care because it makes their future claims costs more predictable.

Common examples include diabetes,...

Porting health insurance in India has become an important option for policyholders seeking better coverage, improved services, or more suitable benefits. It allows individuals to switch insurers without losing accumulated benefits, including waiting period credits.

As per Insurance Regulatory and...