Blog
Cashless, reimbursement, and what your policy really covers.
Most Indian health insurance policies include a domiciliary treatment clause — cover for treatment received at home instead of at a hospital, when hospital admission is not possible or advisable. Almost no…
A co-payment clause requires you to pay a fixed percentage of every claim, with the insurer paying the rest. It's most common in senior citizen plans (10-30% co-pay) and some lower-premium products. Understanding…
Indian health insurance claim rejection rates hover around 10-15% for large insurers. Most rejections fall into a handful of specific patterns — many preventable at either the purchase stage or the claim stage.…
Most Indian salaried employees get group health insurance from their employer. Many treat it as their complete coverage. It usually is not. Understanding what group insurance covers and where it falls short — and…
An adult child in their 40s looking to insure a parent in their 70s faces sharply different economics from insuring themselves. Premiums are 4-8x higher, sublimits and co-payments are aggressive, and pre-existing…
Cashless is more convenient. Reimbursement is more flexible. Most Indian families default to cashless when they can, but there are specific situations where reimbursement is the better choice — and specific times…
Most Indian health insurance policies increase the sum insured by 10-50% for each claim-free year, up to a cap. It sounds like a small perk. Over 5 claim-free years, a ₹5 lakh policy can grow to ₹10 lakh without any…
A ₹5 lakh health insurance policy that caps room rent at ₹4,000/day looks generous — until the patient stays in a ₹6,000 room and discovers that the entire claim, not just the room, is proportionately reduced. The…
An insurance claim is a paperwork exercise, and the paperwork the insurer needs is specific. They want enough to validate the claim; they do not need — and should not receive — your entire medical history.…
An insurance claim is not filed when you buy the policy. It is filed weeks after a hospitalisation, when your household is already dealing with recovery. The specific paperwork the insurer wants is fussy,…
The strongest feature of most Indian hospital portals is not the medical record — it is the billing and payment section. Bills are itemised, viewable, downloadable, and often payable from the portal. For an insurance…
A reimbursement claim in India is a paperwork exam, not a medical one. Cashless settles in a few hours because the hospital already has your records — reimbursement takes 45 to 60 days on average, and most of that…