Star Health Forum

A co-payment clause is a cost-sharing feature where the insured and insurer split treatment expenses in a pre-defined ratio. In senior citizen health insurance, this clause is especially relevant because healthcare costs tend to rise with age. It makes insurers...

People, mostly within the age bracket of 60 and above, suffer from arthritis, which causes pain and stiffness in the joints. The disease can often make their everyday simple tasks challenging.

According to The New Indian Express report of 2025, over...

An exclusion in health insurance refers to specific conditions, treatments, or situations that your policy does not cover. In simple terms, it outlines what your insurer will not cover. It helps you understand the limits of your coverage and avoid...

Yes, health insurance plans are available for people aged 80 and older, although options may be limited compared to younger age groups. Many insurers offer senior citizen policies that cover medical needs even for individuals aged 80 and above, subject...

Yes, most health insurance plans in India cover spinal surgery, as long as it is medically necessary and falls within the policy terms. However, the extent of coverage depends on factors like waiting periods, policy inclusions, and specific exclusions. Understanding...

Yes, health insurance in India can cover naturopathy, but only under specific conditions. Most insurers include it under AYUSH benefits, as long as you take the treatment at recognised centres and follow the policy terms. Understanding how this coverage works...

Top-up health insurance is an additional policy that enhances coverage of your base policy. This policy often acts as a cost-effective way to continue your medical facilities when the sum-insured of your base policy exceeds a specific limit.

You can purchase...

A disease-specific insurance plan is a specialised health policy designed to cover the treatment and management of a particular illness. Most reputable companies have specialised Insurance plans for critical conditions, such as cancer, diabetes, or heart disease.

Unlike comprehensive plans, which...

Yes, most health insurance providers in India incentivise healthy habits with a wellness reward. In fact, as per the reports of the Indian Council of Medical Research, 56.4% of chronic illnesses in India come from unhealthy diets. Therefore, these insurers...

Yes, health insurance covers stress-related conditions, including mental health issues like PTSD and depression, as well as physical illnesses, such as hypertension, cardiac issues, or gastrointestinal disorders.

In fact, anxiety and stress-related concerns account for nearly 50% of all mental health...