Star Health Forum

Moratorium period or look-back period refers to the time frame after which your insurer can not reject any claims for pre-existing diseases, like diabetes, unless it's a case of proven fraud or permanent exclusions.

As for the duration of this period,...

OPD or Outpatient Department coverage in health insurance helps you save money by covering your routine and non-hospitalisation expenses, such as doctor consultations, diagnostic tests, and dental treatments. This coverage is typically included in a health insurance policy as an...

A health card generally serves as an identification document to easily access medical facilities covered under your healthcare plan. From quickly verifying your eligibility to enabling cashless hospitalisation, this card is a crucial part of your policy.

Most private insurers will...

Lifetime renewability in your health insurance is a crucial feature that will help you get uninterrupted coverage for life. As medical necessity increases with age, having this benefit would be like a safety cushion for the future.

In fact, as per...

Yes, most health insurance policies in India cover orthopaedic surgery. The coverage during this surgery typically includes hospitalisation, surgeon fees, operating room charges, and implants. However, policyholders must serve a specific waiting period to receive this benefit.

If you are wondering...

Health insurance generally does not cover expenses for cosmetic surgery if it is performed solely for aesthetic or appearance-enhancing reasons. However, insurers may provide coverage for reconstructive surgeries that are medically necessary to repair injuries, restore bodily functions, or treat...

Choosing a health insurance plan depends on your needs, life stage, and required coverage. You should assess factors like medical history, lifestyle risks, future healthcare needs, premium affordability, and preferred sum insured. Based on your situation, you can choose coverage...

A high level of air pollution may affect your lungs and cause respiratory problems if fine particles (e.g., PM2.5) and gaseous pollutants are elevated in the air. Aside from respiratory issues, high air pollution levels may also affect your cardiac...

Senior citizens or individuals aged 60 or older usually need to undergo a medical test. It helps an insurer to assess their pre-existing health conditions and other risk factors. Based on these, they determine the premium amount so that a...

Paying for health insurance and medical expenses not only safeguards your health but can also help reduce your tax burden. Under Section 80D of the Income Tax Act, you can claim deductions on premiums paid for yourself and your family,...