Star Health Forum

Health insurance policies often include a co-payment clause, where the policyholder agrees to pay a certain percentage of the medical expenses while the insurer covers the rest. Co-payment is commonly applied in senior citizen plans, specific treatments, or when choosing...

Everyone likes getting something extra for their spending, whether it's cash back, discounts, or special deals. Similarly, insurance companies also reward their policyholders with a no-claim bonus (NCB) for not making a claim.

While many people understand what NCB is, fewer...

Health insurance plans cover various types of medical treatments, including daycare and OPD treatments. Although both involve short-duration medical care, they differ in terms of hospitalisation, coverage, and treatment type.

Understanding the difference between daycare and OPD treatment can help...

A family floater health insurance plan covers multiple family members under a single sum insured. The plan offers cost savings and user-friendly benefits, yet selecting an appropriate sum insured is its most vital element.

This is because all members share...

When you get health insurance, you probably think of the basic coverage needs, like doctor fees, hospitalisation, and treatments. But standard plans might not cover every medical or financial need. This is where optional covers, also known as add-ons or...

The term inflation protection in health insurance refers to built-in features or add-ons that help the coverage maintain its value against rising medical expenses over time. The benefit serves a vital purpose in India, where medical inflation reaches 12-15% each...

Health insurance is meant to provide you and your family with protection in cases of medical emergencies. However, a common question that arises: what if the entire coverage is used up in a single claim? That is when the reinstatement...

Medical expenses often arise even before you are admitted to a hospital. Doctor consultations, diagnostic tests, and medications can add to your overall treatment cost. A pre-hospitalisation benefit in health insurance helps cover these expenses, reducing your financial burden and...

The term "health insurance portability certificate" does not exist as an official document, but describes a set of documents that people use to switch their health insurance coverage between different insurance providers.

The new insurance company uses this information to...

Your recovery from illness or surgery continues after you leave the hospital. Complete recovery requires patients to attend follow-up appointments, take medications, and undergo diagnostic assessments and therapeutic treatments. The additional medical requirements after hospital discharge result in costs that...