With medical inflation hovering at around 13-14 per cent annually, policyholders must reassess their sum insured once every two years.
Make sure the rider adds value rather than just adding to cost.
Yes Bank has launched a salary account designed for working women, offering financial protection, healthcare benefits, lifestyle privileges, and wealth-creation opportunities.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
'Opt for a minimum cover of Rs 10 lakh to Rs 15 lakh, especially in urban and metro areas.'
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
Reduction of GST on health insurance premium from 18% to 0% looks like a straight 18% reduction in what consumers pay. The truth, however, is...
Customers frequently sign without reading the terms and conditions, resulting in a poor understanding of coverage, and eventually leading to partial payouts
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
Senior Congress leader and former Rajasthan chief minister Ashok Gehlot said the proposed scheme would be a game-changer as it will provide comprehensive health coverage to families, covering medical expenses for critical illnesses, hospitalisations, and treatments.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
Be it poor, middle class, upper middle class or rich, every individual who is 70 years and above is eligible for getting Ayushman card and will receive free treatment up to Rs 5 lakh at any of the AB PMJAY empanelled hospitals once the expanded scheme gets launched.
Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual fund and personal finance-related questions.
The Bharatiya Janata Party (BJP) has released the first part of its manifesto for the upcoming Delhi assembly elections, promising Rs 2,500 monthly aid for women, LPG cylinders at Rs 500, and Rs 2,500 pension for senior citizens. BJP president JP Nadda also assured that all existing public welfare schemes in Delhi will continue if the party is voted to power. The manifesto also includes a promise to implement the 'Ayushman Bharat' scheme in Delhi, providing additional health cover of Rs 5 lakh.
Purchase health insurance early while you are disease-free. 'It might become very difficult to get a comprehensive health cover for someone who has already had cancer.'
Irdai has listed diseases that can't be excluded from health insurance policies, including neurodevelopmental disorders, mental illness problems, psychological disorders, genetic diseases, puberty- and menopause-related disorders.
Finance Minister Nirmala Sitharaman on Saturday said the government will arrange identity cards and registration on the e-Shram portal to assist 1 crore gig workers. Presenting the Union Budget 2025-26, the finance minister also said a scheme for the socio-economic upliftment of urban workers will be implemented.
According to the action plan finalised by the General Insurance Council, the industry lobby for non-life insurers, the portable health cover will be available for a period of three years initially. Depending on the feedback in terms of claims ratio, the insurance companies will take a call on whether to extend the cover. Also, the scheme will be open to only those in the age group of 18-40.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
With the Union Budget introducing service tax on hospitals and health check-ups, your medical bills are likely to get higher.
Group policies are more suitable for diabetics; these are negotiable & flexible.
Ideally, people who have a family medical history should buy high sum assured if they can afford the premium of the same.
A travel policy is not enough as most domestic ones do not provide health cover. On the other hand, only overseas travel plans cover hospitalisation, apart from travel-related risks.
The Insurance Regulatory and Development Authority has clarified that only the premium collected for providing health cover in the case of unit-linked health insurance policies will be eligible for tax benefits.
Rashtra Swasthya Beema Yojana to start from April 1 in Delhi and Haryana. Each family belonging to the unorganised sector will get Rs 30,000.
Ensure the sum insured for the super topup is enough to cover even worst-case scenarios.
First-time buyers advised to take offline route, so are those looking for specific feature or higher cover.
The government on Friday said it intended extending coverage of its flagship health insurance scheme for poor families to auto-rickshaw drivers, cycle rickshaw pullers, street vendors and rag-pickers.
You need not shell out the big bucks to be pampered. Buy a health cover and enjoy luxury treatment at a spa, join a gymnasium or a yoga centre and get the necessary incentives that suit your budget.
The Rs 5 lakh free health insurance cover would benefit senior citizens of around 4.5 crore families. Eligible beneficiaries would be issued a new distinct card under the scheme, the government said.
'Healthcare is not an industry.' 'The government is only encouraging insurance as they are not able to provide healthcare to people.' 'Opening new medical colleges is not what is needed.' 'You have to invest in public sector hospitals.' 'You cannot hand over healthcare to the private industry.'
Thousands of contractual employees of the three state-run power utility companies in Maharashtra have threatened to launch an indefinite strike from Tuesday night over demands including wage hike.
The Insurance Regulatory and Development Authority of India (IRDAI) has removed the age cap on buying health insurance policies, effective from April 1, 2024. Earlier, individuals were restricted to purchasing new insurance policies only until the age of 65. However, after the recent changes that have come into effect from April 01, 2024, anyone, regardless of age, is eligible to purchase a new health insurance.
The move by the insurance regulatory body aims to create a more inclusive healthcare ecosystem in India and to encourage insurance provider companies to diversify their product offerings.
A number of insurers offer health policies designed especially for senior citizens.
From April 1, when we buy insurance for a car or take out a health cover, insurance companies can offer a product totally customised for us.
While Star Health's policy for children is a step forward, it has a low sum insured and comes as a group cover.
'Try to buy a policy with a lower sum assured or one with a deductible.' 'Those whose spouses work for companies must get themselves enrolled into the employer's group health cover.' 'Some public sector banks also offer group health covers to those who open a savings account with them.'
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