Guides
Health insurance guides
Practical, step-by-step help for the moments that matter: buying, renewing, porting and claiming. Each guide cites the IRDAI rule or official process it relies on.
Claims
- Why your claim was paid lessThe usual reasons a claim is cut, how to read the deduction letter line by line, and how to dispute it.
- Cashless claim deniedWhat a cashless denial, query or partial approval means, the IRDAI time limits, and what to do at the hospital desk.
- Claim rejected: what to doHow to read a repudiation letter, the rules insurers must follow, and the steps from appeal to the Ombudsman.
- Insurance Ombudsman complaintWho can complain, the ₹50 lakh limit and one-year deadline, how to file free online, and how awards are enforced.
- Reimbursement claim documentsThe documents checklist, Part A and Part B of the claim form, common deadlines and the 15-day settlement rule.
Waiting periods
Buying, renewing and porting
- How to read your policyThe four documents in your policy, the ten clauses to read first and where to find each one in the PDF.
- Health insurance portabilityHow to port to another insurer without losing waiting-period credit: the 2024 rules, timelines and a dated example.
- Top-up vs super top-upPer-claim vs aggregate deductible, shown on two claims in one year, and how each pairs with a base or employer policy.
- Premium increase at renewalWhy renewal premiums rise, the 10% rule for senior citizens, the GST exemption and ways to cut the cost.