Star Health Forum

The cost of health care continues to rise due to numerous factors. Some factors include the increasing cost of medical services, treatments, hospital stays and other procedures, along with the cost of medical equipment and medications.

Medical emergencies, routine check-ups, and...

Indemnity or fixed benefit plan? Which is better for you depends on your healthcare needs, financial situation, and risk coverage preferences. However, both kinds of plans serve different benefits and purposes.

It is recommended to opt for indemnity insurance if you...

Health insurance terms like copay and deductible can be confusing, but understanding their meaning can help in selecting the appropriate health insurance plan that suits your needs during both planned and emergency situations. Both terms directly impact how much you...

Cashless coverage is a way more beneficial and effective option than reimbursement coverage, as it offers a hassle-free, lower-stress experience without the need to pay upfront out-of-pocket. However, reimbursement is a convenient way when using non-network hospitals, as it requires...

Health insurance portability is the process of switching insurers or plans at renewal without losing benefits already earned.

Timing is crucial, though. The IRDAI only permits porting strictly during the time of the renewal, and the application should be made long...

Corporate health insurance tends to have a sum insured gap where the available coverage falls short of the cost of medical treatment. Most of the employer-provided plans have a small amount insured and may not be adequate in case of...

When buying health insurance with pre-existing conditions, always reveal all health history honestly, comparing healthcare plans to get the shortest waiting periods, and checking for specific exclusions or co-payment clauses. Opt for a higher sum insured to manage inflation and...

Individual health insurance is a type of plan that covers each person individually, with its own dedicated sum insured. This insurance becomes beneficial as a family’s health care needs begin to be different or more extensive than they were previously.

Switching...

Healthcare access in Tier 2 and Tier 3 cities may be limited compared to metro areas. Fewer speciality hospitals and limited advanced treatment facilities can make it challenging for individuals to receive timely medical care locally.

In many cases, patients may...

Before seeking health insurance coverage for typhoid fever treatment or vaccination, you should check the waiting periods, pre-existing condition clauses and whether hospitalisation is required for coverage to apply in the typhoid-specific health insurance plan. On the other hand, typhoid...