Star Health Forum

When it comes to medical protection, you may have heard about Mediclaim and Health Insurance. Many people think they are the same, but they are actually quite different. A Mediclaim insurance policy serves as a financial support only during hospitalisation...

Ayushman Bharat is officially called Pradhan Mantri Jan Arogya Yojana (PM-JAY). It is a government-funded health insurance scheme that provides free medical coverage of up to ₹5 lakh per family per year for secondary and tertiary hospitalisation. It was launched...

Health insurance gives you a great deal of financial protection, but it's also important to know what isn't covered. Insurance covers unpredictable risks; hence, elective, experimental, and predictable expenses are not included to make it sustainable.

The Insurance Regulatory and Development...

So, what is loading in health insurance? The concept of loading refers to the additional cost an insured individual has to take care of over their base premiums due to increasing age or potential risk factors.

This concept emphasises that higher...

Critical illness insurance aims to provide financial cover for several life-threatening diseases such as cancer, heart attack, stroke, kidney failure, paralysis, etc. It provides a lump-sum payout upon diagnosis of these serious health issues to help you manage high treatment...

Health insurance in India is generally a contract where the insurer covers the medical expenses of an individual in exchange for a regular premium. With this policy, you can get coverage for healthcare services, such as hospitalisation, surgeries, consultations, and...

Pre-existing disease (PED) waiting periods in health insurance are fixed durations, typically 24 to 36 months, during which claims for pre-existing conditions such as diabetes, hypertension, or asthma are not covered. According to IRDAI guidelines, the maximum pre-existing disease waiting...

Health insurance helps people cover hospitalisation bills and medical procedures without bearing a heavy financial burden. Different monthly premiums are charged based on coverage amount, age, and policy benefits.

Nonetheless, many individuals in need of health insurance would like to know...

Health insurance is important because it protects individuals and families from the high cost of medical treatment while ensuring access to timely healthcare. It acts as a financial safety net during illnesses, accidents, or hospitalisation. It prevents unexpected medical bills...

The waiting period for maternity health insurance is the initial phase during which you cannot claim expenses related to pregnancy, childbirth, or postnatal care. Typically, health insurance plans with maternity cover come with a 1-3 year waiting period.

At the end...