Star Health Forum

Premium loading is an extra charge added to an insurance plan’s base premium to cover higher-than-average risks associated with an individual, such as pre-existing medical conditions, smoking, high-risk occupations, or poor claim history. It is closely associated with health insurance...

Health insurance is essential to cover skyrocketing treatment costs in medical emergencies and focuses on treatment rather than requiring large upfront payments. Sometimes, people have a health insurance plan as a backup, even though they face financial constraints from exhausting...

The recharge benefit in health insurance is like a booster dose for the sum insured. When the insured individual has exhausted the sum insured and requires further medical treatment within the same policy year, recharge benefits apply. It provides an...

Cashless health insurance enables you to get medical care without paying the hospital bill immediately. Instead of paying upfront and submitting a claim later for reimbursement, the insurance firm pays the hospital directly. This system operates based on a network...

Restoration benefits in health insurance allow the insurer to restore your sum insured to the original amount, even if it has already been claimed. On the other hand, due to skyrocketing medical costs and constantly rising medical inflation, health insurance...

An enhanced No-Claim Bonus (NCB) in health insurance is a reward in which the insurer increases the insured person’s coverage amount for each claim-free year without increasing the premium. It serves as an incentive to maintain a healthy lifestyle and...

Suppose you wake up one morning and realise the world has lost its sparkle. The faces of your loved ones appear blurry, and the vibrant colours of your garden look like they are hidden behind a dusty window.

For many people,...

When you buy health insurance, you want it to help you during emergencies. But what if you stay healthy and don’t need to make any claim for a whole year? Shouldn’t you get something for that? This is where the...

When you make a claim for your health insurance, there are always some delays in the process because the insurance company has to check the hospital bills, prescriptions, and previous medical records.

The Ayushman Bharat Health Account (ABHA), which was introduced...

Super top up health insurance plans help cover multiple medical expenses incurred in a policy year beyond the deductible limit. However, it is not suitable for all insured individuals.

It is ideal to purchase a super top up plan only when...