Star Health Forum

Often, the health insurance provided by your company may prove insufficient. A single hospitalisation might deplete the plan. That’s because group health insurance plans generally have a limited sum insured, which might be inadequate when facing serious health issues.

Voluntary top-up...

Individuals planning to start their family should get maternity coverage with their health insurance policy. However, you cannot avail the benefits of maternity coverage immediately as it comes with a waiting period. Here comes the need for planned adoption of...

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...

The Mental Healthcare Act, 2017, and (Insurance Regulatory and Development Authority of India) IRDAI’s directives issued in 2018-2019 have made mental health coverage mandatory under health insurance in India.

These policies have made it necessary for the insurer to treat mental...

The fallout of a Startup shutdown goes beyond unpaid salaries and lost equity. One of the most immediate and overlooked concerns is health insurance. Most Indian startups provide group mediclaim coverage as a key employee benefit. Once the company winds...

There is no addiction and de-addiction treatment covered by insurance in India. While the Insurance Regulatory and Development Authority of India (IRDAI) and the Mental Healthcare Act (MHCA) have made regulatory improvements over time, the treatments still remain limited.

Most private...

The contribution clause is also known as the principle of contribution. In health insurance, it is a standard provision in indemnity-based policies. It applies when a person holds multiple insurance policies covering the same risk.

The risk includes hospitalisation or...

Daily wage workers are also known as unauthorised sector labourers. They include construction workers, street vendors, agricultural labourers, and migrant workers. Health insurance for daily wage workers in India is primarily provided through government schemes.

This is because most such workers...

Health insurance in India provides comprehensive benefits to the policyholder. Features like wellness and OPD benefits go beyond just financial protection and focus on offering quality health care.

While the wellness benefits cover preventative care, the OPD benefits cover routine...

In India, health insurers impose a waiting period as a check against opting for coverage on the onset of a high-cost claim. A policy tenure is the continuous length of time you have held a health insurance policy.

It helps reduce...