Shantanu, a 40-year-old professional, is suffering from asthma. He listed this health issue as a pre-existing condition while buying health insurance. After two years, when the insurance provider raised the premium, Shantanu decided to shift to a new insurance provider. However, he was worried that the new insurer might treat him as a new policyholder and impose a waiting period for the pre-existing condition.

In this situation, the Insurance Regulatory and Development Authority of India (IRDAI) and its health insurance portability scheme came to Shantanu’s rescue. The guidelines on the portability of health insurance policy enabled Shantanu to shift to a new insurance provider without losing the benefits accumulated with the present insurer.

What is Health Insurance Portability?

The IRDAI introduced health insurance portability in 2011. Through portability, a policyholder can carry forward the credit accrued for pre-existing conditions and time-bound exclusions while switching from one insurance provider to another or from one health insurance plan to another. The policyholder also qualifies for all continuity benefits, like free medical check-ups and no-claim bonuses acquired during the previous insurance policy.

How to Apply for Health Insurance Portability?

A policyholder can apply for porting a health insurance policy only at the time of renewal, which ensures that the new period of insurance will be effective with the new insurer. Any policyholder can apply for the portability of his/her existing health policy only if it is maintained without any breaks.

• To port an insurance policy, the policyholder has to submit a written application to the present insurance company to shift the policy to a new insurer.
• The application should be made at least 45 days prior to the policy renewal date, mentioning the name of the insurance company to which the policyholder wants to switch his/her policy.
• Once the insurance company receives the insurance portability application, it provides the policyholder with a proposal form and a portability form.
• The present insurer then shares the details of the insured person with the new insurer via a common IRDAI portal for sharing customer data.
• Once the new insurance company gets all the details, it has to make a decision about underwriting the insurance policy within 15 days. Failing to respond within 15 days will force the insurer to accept the portability application.

List of Documents Required for Porting a Health Insurance Policy

Given below is a list of documents you need for porting your health insurance plan-

• Policy certificates of previous years
• The latest notice of renewal mentioning coverage continuity and other details
• The policyholder’s self-declaration in cases of no-claim
• Investigation report, discharge summary, and other equivalent documents in cases of claims
• Filled in proposal form and portability form

What is the Benefit of Porting a Health Insurance Policy?

Health insurance portability offers numerous advantages that make it an attractive option for policyholders:

• Improved Coverage: Policyholders can switch to a different policy that provides broader coverage and features.
• No Loss of Benefits: Retain accrued benefits like waiting period credits and no-claim bonuses.
• Cost-Effectiveness: Find a more affordable policy without compromising on essential benefits.
• Customisation: Opt for a plan that aligns better with your current lifestyle and healthcare needs.

Health Insurance Portability Rules

A few rules of health insurance portability that you must know are-

1. Advance Notice: Policyholders must apply for portability 45-60 days before policy renewal after informing their previous and new insurance provider.

2. No Denial Based on Age: Insurers cannot deny portability solely based on the age of the policyholder.

3. Information Sharing: The current insurer must provide necessary information to the new insurance company within 7 working days of making the request.

4. Standard Process: All general and health insurers registered with IRDAI must comply with portability guidelines.

5. Additional Charges: While porting does not involve fees, the premium may increase if the amount insured after porting is higher than the previous insurance.

6. Insurer’s Decision: Whether to validate or reject your policy rests with the new insurance provider.

Rejection of Health Insurance Portability Requests

In case a policyholder fails to submit the above-mentioned documents on time, the IRDAI has given the insurers the right to reject a health insurance portability application. A portability request may also get rejected due to inadequate information, poor claim history, and breaks in the renewal of policy.

Another major factor that may lead to the rejection of health insurance portability is the higher age of the policyholder. While people in the age group of 60-70 have some chances of portability, applications from people above the age of 70 have a high chance of rejection. When it comes to portability requests from senior citizen health insurance, insurance companies apply severe underwriting rules, charge higher premiums, and may even introduce a co-pay clause.

Thus, it is advisable to furnish all the necessary details to the insurer and keep the required documents ready before submitting the application for the portability of a health insurance policy. This will prevent your application from getting rejected and, hence, will make the process smooth and hassle-free.

Common Reasons to Opt for Health Insurance Portability

Many policyholders choose to port their health insurance plan due to dissatisfaction or a need for better coverage. Common reasons include:

1. Better Policy Coverage: If an insurance provider offers more comprehensive coverage with lucrative add-ons, customers might be inclined to leave their previous policy for better benefits.
2. Affordability: Customers may change their insurance provider if they find better coverage for the same or lower premium.
3. Customer Services: In a few cases, poor customer service by the previous insurer or a promise of better customer support with the new insurance provider may lead the buyer to port their insurance.
4. Change in Location: If the customer is moving to a geographical location not covered by their current policy, they will change their insurer for one that provides wider coverage.
5. Lifestyle Changes: People may consider upgrading to a policy that suits new health or lifestyle needs with advancing age or health conditions.
6. Policy Flexibility: Better add-ons, flexibility in premium payment, and health insurance plans with inclusions and exclusions that fit a person’s needs are also common reasons people opt to port their insurance.

Things to Consider Before Porting a Health Insurance Policy

Porting a health insurance policy is an important decision that requires careful assessment. Keep these things in mind:

1. Policy Comparison: Compare the features, benefits, and premiums of the new policy with your existing one.
2. Continuity Benefits: Ensure that benefits from your previous health insurance plan, such as waiting periods and no-claim bonuses, will be carried forward.
3. Network Hospitals: Check the network hospitals covered by the new insurer for cashless treatment.
4. Terms and Conditions: Review the policy document thoroughly to avoid surprises later.
5. Hidden Charges: Be wary of any additional fees or hidden charges that might apply.
6. Policy Requirement: Learn about prerequisites such as health checkups and document verification your new insurance provider needs to prepare yourself for all formalities.

FAQs on Health Insurance Portability

1. Can I port health insurance online?

Yes, you can port your health insurance online by going to the website of the insurance provider.

2. Do I need to pay extra charges for porting my health insurance?

You may need to pay a minor fee at the time of porting your health insurance. The premium cost depends upon the new insurer and the type of plan you are buying.

3. What is the difference between migration and porting in health insurance?

When you buy a different plan with the same insurance provider, it is called migration. If you change your insurer, it is known as porting.

4. How long does it take to port a health insurance?

It takes 15 to 45 days to port a health insurance plan once you have submitted the application and documents to the insurer.

5. Does portability apply to group health insurance policies?

Yes, group health insurance can be ported to an individual health insurance policy under certain conditions.

6. Will I lose my no-claim bonus if I port my policy?

No, your no-claim bonus will be carried forward to the new policy.

Conclusion

Health insurance portability enables the policyholder to switch their insurance provider to one that best meets their needs.  Always research different insurers in the market before starting porting your policy. Your careful planning will ensure that porting your health insurance plan becomes a positive step in better insuring your future. 

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

Though the awareness of having a health insurance plan has increased, some of us still do not understand its importance. The need to assess and hedge your health risk arises from the fact that the health care costs have been rising at more than 20% on an annualised basis. Many of these are not even covered by the medical cover that you avail. If you know the importance of health insurance, kudos to you! But if you don’t, read on.

Out-of-Pocket Expenses

Since medical inflation is always on the rise, it is essential to build a corpus which will exclusively cater to your out-of-pocket expenses for medical reasons. The amount you do not spend can be kept aside to build a decent amount of money that can be utilised in times of need. But, there is a right way to go through with that plan and that is through health insurance.

There is no point in depleting your hard-earned money that you have saved up for health contingencies. A health insurance plan is designed to take care of these increasing medical expenses. By paying for such expenses, the plan protects your savings from being drained out in case of a medical emergency.

Tax Exemption from the Government

Isn’t it great when you don’t have to pay taxes on the amount of money you save? Health insurance helps you in this regard too. Your health insurance plan will cover you and your family without you having to pay any taxes to the government. The premium you pay for your plan is exempted from tax under Section 80D. You can, thus, claim up to Rs.60,000 as tax exemption if you pay health insurance premiums for yourself and your dependent parents (if both are senior citizens).

Lifetime Renewability Feature

Health insurance is no longer exhaustible! Did you know that health plans come with a lifelong renewability feature? You can renew health plans for you and your family for as long as you live, without any maximum renewal age! It proves beneficial when you retire and have to cut back on your out-of-pocket expenses. With old age come low income and high medical contingencies. If you have a health plan, any medical contingency you face would be covered by your health plan thereby sparing your savings.

The appendix is a small tube-like organ, attached at the end of your large intestine. It is a vestigial organ, one that has been rendered dysfunctional by continuous evolutionary processes over millions of years. But don’t make the mistake of going by the size of it!

Did you know, that despite over 500 years of study, the appendix still remains shrouded in mystery?

Right from the ancient Egyptians to Charles Darwin, the appendix has been successful in appealing to some of the best minds in the annals of history. Leonardo Da Vinci was believed to have dissected over thirty human corpses to understand the appendix and its functionality.

But like every other organ, this vermiform (worm-like) structure is also not free from afflictions. Appendicitis is a medical condition that results from the inflammation or infection of the appendix. This disease is caused when the appendix is blocked by bodily impurities or any other foreign object.

However, there still remains a slew of facts (about appendix and appendicitis) that are yet not known to most. Four such least-understood things have been stated below:

The nature of appendicitis can be misleading

There is a high chance that you end up mis-diagnosing appendicitis for other common ailments. The condition can flare up, and present itself in the garb of:

• Fever associated with a food infection
• Diarrhoea associated with Amebiasis (parasitic infection of one’s intestine)
• Bloating associated with an eating disorder

Often, signs of appendicitis can be elusive, thus giving off a false sense of security. You should certainly abstain from any kind of self-diagnosis and avail immediate medical help, should you experience common symptoms, such as severe abdominal pain, vomiting and loss of appetite.

Appendicitis pain is good!

Yes, you read that right! With appendicitis, chances are you will suffer from a lingering pain. But don’t rest assured if it subsides. The cessation of pain may be associated with organ rupture. This can lead the impurities inside the appendix to seep into the abdomen, thereby resulting in infections (peritonitis).

This can be fatal, and thus, warrants immediate surgical intervention in order to prevent further contamination of the abdominal cavity.

Surgery is not the only option

A cure for appendicitis might not always involve invasive medical procedures. A milder form of the disease – that constitutes 80% of all diagnoses -- is treatable with antibiotics.

Appendectomy or surgical removal of the appendix may be required for the other type. Your doctor can determine the procedure applicable for you by analysing medical test reports.

Gender is a great determinant of risk

Research reveals that men might be more vulnerable to appendicitis. While the reason for this is not apparent, researchers believe that individual dietary habits (such as low intake of fibre among men) could play a major role.

If you are trying to build resistance against this disease, maintaining a balanced diet (replete with fruits and vegetables) and leading a healthy lifestyle can be a good start.

Now that you are aware of some of the little-known facts about this condition, it is time to answer the more critical questions.

What are the common causes?

This condition arises from blockage of the appendix, leading to an internal build-up of bacteria. It may be the result of:

• Stool deposition
• Tumours
• Severe trauma
• Activity of intestinal parasites
• Enlargement of lymphoid follicles (small tissue masses containing inflammatory cells)
.

What are the symptoms?

Appendicitis is marked by abdominal pain. However, look out for other symptoms such as:

• Nausea
• Indigestion
• Vomiting
• Loss of appetite

How can appendicitis be diagnosed?

Diagnosis involves a cluster of medical examinations. You might be required to undergo:

• Complete blood count to check for bacterial infections
• Urine tests to rule out possibilities of urinary tract infections (UTI) or kidney stones
• Abdominal imaging (CT scans, MRI) to ascertain probable causes

How is it treated?

Usually, treatment involves surgery to remove the inflamed vestigial organ. You might be recommended antibiotics prior to the surgery.

• Laparoscopic or keyhole surgery: This minimally invasive surgery is conducted through small abdominal incisions (generally less than an inch in size)
• Open surgery (Appendectomy): This procedure is performed through a larger incision (usually 2-5 inches long). Your doctor might consider this approach, depending on the complications (appendix rupture, for instance) your test reports show up.
• Antibiotics: Common antibiotics used to treat appendicitis include cefotetan, cefotaxime, ampicillin and sulbactam, cefepime, piperacillin and tazobactam, and ticarcillin and clavulanate.

The COVID-19 pandemic has already affected more than 2 lakh people across the country. Although the infection rate is comparatively low in India relative to our population size, we’ve still got a long way to go in overcoming the crisis completely. The Indian Government has taken several steps to tackle the issue and lessen the spread of this deadly pandemic. Medical researchers are putting in all efforts to develop an effective vaccine quickly. As of now, maintaining hygiene and social distancing are the best habits we can practise to prevent catching an infection.

At ICICI Lombard, we’re doing our best to ensure you’re not alone in the fight against COVID-19. We understand that swift action – testing and treating the disease – is critical, especially in the case of severe complications. There is a lot of confusion surrounding which hospitals have isolation beds, how to file cashless/reimbursement claims for treatment, and much more. To help you avail medical services in time, without worrying about your finances, is of utmost importance to us at the moment. Here are some of the initiatives we have taken to support you when you need us the most!

Hospitalisation Covered

While government hospitals are offering free COVID-19 treatment, not everyone may be able to get treated at one, due to the large number of cases these hospitals are currently seeing. Moreover, some people may prefer treatment at private hospitals. The medical expenses at a private hospital can go up to a few lakhs since treatment can span across several days, or maybe even a couple of weeks. To help you get treated at the nearest hospital without delay, we cover COVID-19 hospitalisation expenses, including room rent and daycare procedures. Moreover, if you’ve opted for our Outpatient Department (OPD) cover, we also pay for your diagnostic test expenses. So hospital bills should not deter you from getting the right treatment at the right time.

Not sure where to get treated? Check out COVID-19 facilities near you here – COVID-19 Hospitals | COVID-19 Testing Labs

COVID-19 Helpline - 04066274205

We know that you may need our help during emergencies – whether it’s for finding a network hospital or filing a claim. Don’t worry; we’re just a phone call away for support. You can call us for any queries from 9 AM to 6 PM (Monday to Saturday) and avail our Emergency Assistance Information services under your health insurance policy. Our executives will be happy to help you!

Highest Priority for Coronavirus Cases

To reduce the stress associated with diagnosis, treatment and recovery, we’re taking COVID-19 cases, and those with COVID-19 symptoms, on top priority. We’re putting in all our efforts to settling these claims speedily so that you have one less thing to worry about if you’ve tested positive.

Easy Claiming

Claims don’t have to add to your coronavirus anxiety, especially during this time of crisis. The last thing you’d want is to wait for ages to get a settlement on your COVID claims. To make life easier for you, we are now accepting scanned documents for your health insurance claims. You focus on recovery, and we’ll focus on covering your medical expenses!

Second Opinion

If you’re not satisfied with your physician’s diagnosis, we help you get a second opinion to make a sound decision on your health. Especially during the COVID crisis, we can arrange for a medical expert to help you with a second opinion online. Now you don’t need to step out of your home to speak to a doctor and seek help on health concerns. Just call us on our COVID-19 helpline (04066274205) for assistance.

Be it during large calamities like Odisha cyclone or minor accidents like a broken tail-light, we have always stood by our customers in time of need. We have repeatedly introduced industry-leading practices for nearly two decades.

Sportspersons are not only healthy and fit, but they also live a disciplined and focused life. Not one sportsperson out there will ignore getting a health insurance cover, because they understand its need and benefits. They also effectively realize that health is wealth and here are a few tips about health insurance you can learn from a sportsperson.

Make a Commitment to Health

Every sportsperson will agree that commitment is the first and the most important step for achieving your goals. Make a commitment to health and take the practical decision of buying health insurance. Healthy eating, exercise and healthy habits are ideal but ill health and accidents can come knocking at random doors. Protecting yourself from such uncertainties and their heavy costs is possible with health insurance.

Set a Realistic Goal

Once you’re committed to a cause, setting a goal and figuring how to reach it is the next step. Just like a runner trains on the basis of the time in which they want to finish the race, you too have to figure out how much sum you need to be assured of. This depends on the diseases you’re prone to, which other family members you’re getting covered and the plans available in the market

Make an Informed Decision

Like every sport has its own rules and penalties, health insurance covers come with their own conditions, exclusions and exceptions. Do your research and know what you’re signing up for. Some people get a rude shock at the time they make a claim. You can avoid that by making an informed decision.

The Finance Minister has already presented Union Budget of 2018. Here’s how it is going to impact your health insurance policy

Every year, the Central Government comes out with the Union Budget amidst high hopes from every section of the population. Everyone is hooked to every word spoken during the budget speech, in the hope of something favourable being announced for them. Salaried people, farmers, corporates and economists all anticipate some good news that will make their daily affairs simpler.

Union Budget 2018 was presented by the Finance Minister on February 1 this year, and was predominantly a farmer’s budget, with healthcare also finding ground. There was a clear emphasis on rural India with the launching of new schemes for the agriculture sector.

As for insurance, there were some welcome changes made in the sphere of health insurance, bringing in some much-needed relief to senior citizens that are struggling to cope with rising cost of healthcare.

Increase In Deduction For Senior Citizens

The budget has increased the limit of deduction under Section 80D from ₹30,000 to ₹50,000 for senior citizen taxpayers with respect to health insurance premiums or medical expenditure. This move is a positive step towards improving the health and safety of senior citizens in the country. It will also reduce their tax liability and give them some respite from the ever-increasing cost of medical treatments, that consequently demand higher coverage amount.

This deduction is applicable towards payment of premium on health insurance policy or preventive health-check-up by a senior citizen. However, for a super-senior citizen (above 80 years of age), this deduction can be had for medical expenditure as well.

The mere thought of standing by the roadside and stuffing in those hot fried stuff makes your tongue water. Even the most hygiene-conscious can’t deny the hunger spell induced by those aromas! But if you peel back the covers and look little beneath the aroma and taste, a whole different picture starts to emerge.

Thanks to the intake of simple carbohydrates like white bread, white rice, and the wide availability of fast food, India has broken into the list of the top five countries in terms of obesity. Adding to the worries, the National Family Health Survey (NFHS) in 2016 revealed that the percentage of obese men and women has doubled over the decade.

Obesity, a malaise in itself can also lead to several diseases like diabetes, stroke, osteoarthritis, high blood pressure, heart disease, respiratory problems, etc.

Do you know the factors that lead to obesity? Here is a list of the top factors that contribute to making you obese.

1. High amount of carbohydrates in diet

Our diet is often held as the primary factor responsible for causing obesity. The problem starts right from childhood. Doctors and researchers opine that wrong eating habits developed in one’s childhood, lead to obesity. India is on the path to becoming a home for 17 million obese children by the year 2025, making it second among 184 countries.

Doctors are of the opinion that eating a greater amount of simple carbohydrates, like white rice, bread, usually found in ‘junk food’, as compared to proteins and complex carbohydrates is causing an increase in obesity. So, the next time you drool over fried food or other mouth-watering delicacies, think about the impact it would have on your health.

2. Sedentary lifestyle and a reduction in physical activity

Along with the diet, experts also put the blame on lack of physical activity for an increase in obesity. It is only inevitable that burning more calories than the amount you consume, will result in a healthy or lower Body Mass Index (BMI).

Experts blame increased mechanisation along with apathy and lethargy as the reason behind a lack of participation in physical activity. An important factor to note in this regard is as per NFHS report, cases of obesity are rising in the countryside as well.

The next time you think of taking the lift instead of the stairs, think again! Stair climbing and a daily workout routine might just be the activities that can get you back in shape.

3. Genetics

The maxim ‘it’s all in your genes’ seems to hold true for obesity. Doctors state that there are several different genes which enhance the risk of obesity. These genes are those regulating appetite, metabolic rate and satiety.

While 5% of the carbohydrate is converted to fats in an adult, a genetic abnormality can increase the percentage to 60%. If there is an immediate family member who is obese, you would be better off managing your diet even more strictly so as to keep your weight under control.

Do you feel confused by many of the terms after reading the fine print of your health insurance policy? It happens with many. Terms like ‘deductibles’ often sound complex to many. However, understanding them is crucial to managing your health insurance.

Whether you are purchasing your first-ever policy or reviewing your current one, understanding deductibles in your medical insurance can help you make smarter decisions and save more money.

What is deductible in health insurance?

A deductible in health insurance often refers to the fixed amount that you must pay from your pocket for medical expenses before you file a claim. It is often calculated annually. Deductibles help reduce premiums and encourage responsible use of healthcare services.

How do deductibles work in health insurance?

Deductibles can be considered as a threshold you must cross before you ask your insurer to start paying for your medical costs. Understanding how it works in health insurance can give you clarity.

Let’s simplify this:

For instance, you have a ₹10 lakh health cover with a ₹50,000 deductible. If you want to file a claim for ₹4 lakh, you must first pay ₹50,000 out of your pocket. Then, after making the claim, your insurer will compensate the remaining ₹3.5 lakh.

Now, let’s consider another situation. If your hospital bill is ₹40,000 (less than your deductible amount), then your insurer pays nothing.

To put it simply, your insurer only pays when your medical expenses exceed the deductible amount.

Types of deductibles in health insurance

The are two main types of deductibles in health insurance: compulsory and voluntary deductibles. However, there are a few more, and understanding all of them can help you make informed choices.

• Compulsory deductible: This is a fixed amount you must pay before the insurer covers the rest. This is non-negotiable.
• Voluntary deductible: This is an amount that you choose to pay in exchange for a lower premium. The more the deductible, the lower your premium.
• Cumulative deductible (family floater): This is the total deductible amount applicable to the entire family health insurance
• Comprehensive deductible: The deductible is applied once annually during the policy year, regardless of the number of claims made.
• Per-claim deductible: The deductible amount is applied to every claim you make.

Advantages of deductibles in health insurance

Having deductibles in medical insurance can give you endless benefits. Following are a few of them:

• Lower premiums: You often need to pay less in insurance premiums when you choose a higher deductible.
• Cost control: It encourages responsible use of healthcare services and reduces unnecessary claims.
• Customisation: Voluntary deductibles let you tailor your plan based on your budget and medical history.
• Ideal for healthy individuals: Higher deductibles can be helpful for individuals who don’t anticipate frequent hospital visits.
• Better policy terms: Policies with deductibles often come with wider coverage or fewer restrictions.
• Tax benefits: You can enjoy tax benefits under Section 80D, even with deductibles in place.

Factors impacting the deductible amount in a health insurance policy

Learning the factors that influence the deductible amount in a health insurance policy can give you peace of mind.

• Policy type: Comprehensive policies may have lower deductibles, while top-up/super top-up plans usually have higher ones.
• Age of the insured: Senior individuals are often offered policies with lower deductibles due to their higher health risks.
• Pre-existing conditions: If you have a medical history, insurers might offer lower deductibles with higher premiums.
• Claim history: If you have had frequent claims, it may lead to stricter deductible terms in future policies.

Deductible vs co-pay vs co-insurance: key differences

Here are the key differences between deductible, co-pay and co-insurance:

Higher or lower health insurance deductible: what to choose?

The choice between a higher and lower health insurance deductible depends on your financial situation and health needs. While a higher deductible reduces your premium, it increases your out-of-pocket payment during claims. A lower deductible offers more coverage upfront but comes with a higher premium. So, always choose based on your risk tolerance and expected medical expenses.

Conclusion

Understanding deductibles in medical insurance allows you to make smarter and beneficial choices when buying a policy or planning your healthcare budget. Choose the deductible amount according to your expected healthcare needs and financial ability.

While you take steps to safeguard your health and finances, let us help you make informed decisions. Get personalised health insurance advice to choose the right deductible amount for your needs by simply filling out the form on this page.

FAQs

• Is a higher deductible plan better?

A higher deductible can be better if you want to lower premiums and are confident about having fewer medical expenses.

• Does the deductible apply to all medical services?

No, not always, as some services like preventive care may be exempt from deductibles.

• Do I need to pay the deductible for every claim?

No, it depends on your policy. Some have annual deductibles, others per claim.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

An effective risk mitigating tool that prevents out-of-pocket expenses during a medical emergency, health insurance  is a modern-day need. A growing segment, the standalone health insurance market in India is expected to grow at a CAGR of 30% in the next five years and will be worth Rs. 21,904 crore by 2022.

In what could further make health insurance more customer-friendly, transparent and boost the growth of the sector, a working panel constituted by insurance regulator IRDAI has proposed several changes. Read on to know the effects of these changes on your health insurance policy.

Clearer Definition of Pre-Existing Diseases

A major bone of contention in a health insurance policy is the interpretation of pre-existing diseases. The working panel has suggested a simpler and clearer definition of pre-existing diseases to weed out any anomaly over its interpretation and subsequent disputes.

According to the suggested definition, any disease, injury, condition or ailment diagnosed prior to buying the first policy for which medical treatment or advise was recommended or received from a doctor qualifies as a pre-existing disease.

With a simpler definition, as a policyholder, you would know about the conditions or ailments that qualify as a pre-existing disease which you need to disclose while filling up the proposal form to avoid rejection. The working panel has also asked insurers to take a lenient view in case a pre-existing disease is discovered later.

Insurers have been recommended by the working panel to put a waiting period on such diseases, instead of cancelling the policy. The option, however, will be available only during the moratorium period.

Lowering Waiting Period of Lifestyle Diseases

Lifestyle diseases have evolved as one of the biggest killers in India. As per studies conducted by the Indian Council of Medical Research (ICMR) and other institutes, estimated proportion of all deaths from lifestyle styles has gone up from 37.09% in 1990 to 61.8% in 2016. The high-treatment cost of lifestyle diseases can derail a family’s finances.

On most occasions, the waiting period of lifestyle diseases such as diabetes, hypertension and cardiac problems range from one to four years. Waiting period refers to the time/duration during which you can’t make a claim from your Mediclaim insurance.

However, the working panel has suggested lowering the waiting period of lifestyle diseases up to 30 days (maximum), unless they are pre-existing.

Standardisation of Pre-Existing Diseases

The working panel has also proposed a standard list of 17 pre-existing diseases which could be excluded from a Mediclaim policy. The list includes diseases such as epilepsy, cerebral stroke, chronic heart and kidney diseases, HIV, AIDS, Parkinson’s, hepatitis B, loss of hearing and other physical disabilities.

It has also said that policyholders can’t be denied coverage for AIDS, Parkinson’s, Alzheimer’s and morbid obesity if diagnosed after the purchase of a policy.

This means if you contact the above-mentioned diseases after buying a health insurance policy, you will be entitled to receive coverage for them. To put it simply, the working panel has suggested all health conditions acquired after policy issuance to be covered. Experts believe that this standardisation will help in the smooth settlement of claims.

Easy Coverage for Individuals with Severe Health Conditions

People with severe health conditions such as epilepsy and physical disabilities find it difficult to avail a health insurance policy. Also, insurers are wary about extending cover to cancer survivors. They are usually denied coverage for procedures and diseases that may be completely unrelated.

If the proposals of the panel are accepted, it’ll become easy for such individuals to avail health insurance. However, no coverage will be provided for specific pre-existing diseases. Nevertheless, if you are suffering from a severe health condition and are denied a Mediclaim insurance, the road ahead might be a little easy for you.

Claims Can’t be Questioned After Eight Years of Continuous Renewals

Another proposal mooted by the panel is that insurers can’t question claims on basis of non-disclosure after eight years of continuous renewals, except in cases of frauds. It means if you’ve renewed your policy for straight years since its inception, the insurer can’t raise objections on your claims on grounds of concealing information.

One of the fastest-growing segments in India, the country’s health insurance sector has registered a compound annual growth rate (CAGR) of 23% for the last 10 years [1]. While growing awareness among the masses regarding healthcare is one of the major catalysts behind this growth, digitisation has further given the industry a major push.

The industry, too, is leaving no stone unturned to make the most of the digitisation wave to enhance customer experience and make health insurance plans available to all. Read on to know how the industry is leveraging digitisation to boost its penetration.

Selling health insurance plans online

A primarily agent-driven industry, health insurers today are banking on the increasing penetration of the web to sell policies, particularly to millennials. A survey found about 30% of people in the age group of 25-34 years [2] buy health insurance plans online.

Buying online health insurance has its advantages. You can fill up the proposal form, upload the relevant documents, pay the premium and you’ll be done. There are no intermediaries involved, and insurers save on commissions. As a result, you get to insure your health at an affordable premium

Improve customer experience

The digitisation wave is helping health insurers improve the customer experience. Today, you can gather information about a new policy, check the status of your application or claim, and renew the plan online in a few clicks.

By integrating advanced action-oriented chatbots on websites, health insurers are elevating the customer experience to the next level. The advanced chatbots, integrated with artificial intelligence and machine learning, based on the queries decipher what you are looking for and make suggestions accordingly. Today, they can also help you do mundane tasks such as filling up the proposal form

Better underwriting

The crux of insurance, underwriting helps in better risk assessment and compute premium(s) accordingly. With rising cases of frauds in the sector, insurers have tightened their underwriting process of late. However, they face a challenge to ensure that genuine customers don’t suffer due to frauds committed by others and get adequately rewarded.

Digitalisation is helping health insurers overcome this challenge with ease. With Wearable devices are going to rule the future of your healthcare health insurers can extract crucial information about your lifestyle, which goes a long way in risk assessment and compute premium accordingly.

For instance, if you are leading a healthy life, insurers can know it through vital data such as your BMI, heart rate, sleep hours, etc. In such a scenario, when you renew your health insurance policy, the premium amount will come down.

Craft tailor-made products and be competitive

Personalisation is the new-age success mantra. Every industry is looking to craft tailor-made products, as per the needs of customers, and strike a chord with the target segment. The key data of the target audience is aiding health insurers create products suiting the needs of their customers.

For example, health insurers can better understand the diseases affecting senior citizens such as Alzheimer’s and are coming up with specific mediclaim policy for this ailment. Some insurers are even adding coverage for this disease in their existing plans. Along with personalisation, it’s important to innovate.

Updated on 30 Nov 2025

Your kidneys may be small, but they play a vital role in keeping your body healthy. They filter waste and excess fluids from your blood, help control blood pressure and produce hormones that support strong bones and red blood cell production. Despite their importance, many people unknowingly adopt habits that can slowly damage their kidneys over time. The good news is that you can change these habits to protect your kidneys and stay healthy.

This blog will discuss some common habits that may harm your kidneys and share some simple ways to look after them.

Common habits that may harm your kidneys

Many everyday habits may seem harmless, but over time, they put extra stress on your kidneys and lead to serious problems.

Smoking

Smoking not only increases the risk of cardiovascular diseases but also narrows the blood vessels present in the kidneys, causing arteriosclerosis in the renal arteries.

A habit that damages arterial branches, smoking also reduces blood flow in the kidneys and expedites the loss of kidney function. Therefore, to protect your organs, it's in your interest to quit smoking at the earliest.

Not urinating enough

This is another habit which is significantly bad for kidney health. If you don't urinate enough, the body and the kidneys retain all the toxins meant to be flushed out.

Over time, this could lead to kidney stones that are quite painful. Also, it could result in the developing of urinary incontinence, a condition which leads to leaking urine during coughing or sneezing.

Not drinking enough water

For the kidneys to properly function, they need to remain hydrated. This is possible only when you drink enough water. Lack of adequate water in the system leads to toxins accumulating in the blood. An easy way to find out if you are drinking enough water or not is to check your urine. If your urine is dark, it means the water intake is insufficient.

Consuming too many sweets

It's hard to resist the temptation for sweets, but eating too many of them too often can damage your kidneys. As per a study, consuming a lot of sweets could lead to a rise in the levels of uric acid, leading to cardiorenal diseases in the long run. If you have diabetes, consuming sweets can worsen the problem. Therefore, make sure to consume food that is low in sugar. For packaged foods, read the label before consumption.

Too much salt intake

This is another habit that can have a detrimental effect on your kidneys. Several people have the habit of adding extra salt to their food while eating. Consuming too much salt can raise blood pressure and may even lead to kidney stones. Hence, make sure to limit your daily salt intake for better kidney health. If you are an adult, you shouldn't consume more than one teaspoon of salt per day.

Skipping exercise

Regular exercise not only keeps your body in top shape but also has a positive impact on your kidneys. Exercise keeps your blood pressure and diabetes in check, and weight loss positively affects renal function.

Therefore, make sure to take some time out of your schedule and exercise regularly to maintain a healthy body weight.

Swallowing painkillers often

Most people, even in the slightest of pain, consume painkillers. While they do help to subdue the pain, taking these pills frequently can adversely affect the kidneys. Consuming painkillers, known as non-steroidal anti-inflammatory drugs (NSAIDs), can often make the body hold onto fluids, and this can damage the kidneys in the long run. Before consuming them, it's essential to check with your doctor first.

Not eating right

To keep your kidneys healthy, plan your meals properly. Note that eating healthy doesn't necessarily mean that you are eating right. If your kidneys are strained, then it's essential to avoid food that is high in phosphorus, such as tomatoes, phosphorus-rich oatmeal, oranges, fish, meat and colas.

For a healthy kidney diet, consume plenty of fresh vegetables and fruits like peaches and apples, among others. Also, drinking rice milk can have a good effect on your kidneys.

Heavy alcohol consumption

Kidneys help the body filter out harmful substances, and alcohol is one of them. Therefore, heavy alcohol consumption can put a lot of pressure on your kidneys and can damage them in the long run.

Note that alcohol causes dehydration, and excess levels can cause organs, including the kidneys, to become dehydrated, affecting their performance.

10 habits for healthy kidneys

Now that you know which habits to avoid, here are some positive habits you can start today to keep your kidneys strong:

1. Stay well hydrated: Drinking enough water each day helps your kidneys do their job. Aim for about 6-8 glasses a day, unless your doctor tells you otherwise.
2. Eat a balanced diet: Focus on fresh foods like vegetables, fruit, fish, lean meat, whole grains, nuts and seeds. Limit salty, sugary and fatty foods as much as possible.
3. Keep a healthy weight: Having extra weight can increase your risk of high blood pressure and diabetes, which are bad for your kidneys. Try to stay active and eat smaller portions if you need to lose weight.
4. Control your blood pressure: Get your blood pressure checked regularly. If it is too high, follow your doctor’s advice about diet, exercise and any medicines you need to take.
5. Manage your blood sugar: If you have diabetes, control your blood sugar carefully with a healthy diet, exercise and medication if needed. Uncontrolled diabetes is one of the biggest causes of kidney failure.
6. Exercise regularly: Try to move more during the day, even simple activities like walking. Aim for moderate exercise five days a week. Exercise helps control blood pressure and weight, which protects your kidneys.
7. Get enough sleep: Most people need 7-8 hours of good-quality sleep every night. Better sleep means better health for your kidneys and your whole body.
8. Quit smoking: Quitting smoking improves blood flow, lowers blood pressure and helps your kidneys function better. If you are struggling to stop, consider seeking support.
9. Limit alcohol: Try to drink alcohol only in moderation. Excessive drinking can damage many organs, including your kidneys.
10. Pay attention to warning signs: Unusual tiredness, swelling in the ankles or changes in your urine may be early signs of kidney problems. These symptoms should never be ignored.

If you or someone in your household notices worrying symptoms, don’t delay seeing a doctor. A health insurance policy for family can help cover the cost of appointments and tests, making it easier for everyone to get the care they need.

Conclusion

Your kidneys work hard for you every day, filtering waste and keeping your body in balance. But they can be damaged by habits you might not even think about. However, small, daily changes, like staying hydrated, eating well, and getting regular sleep, can have a big impact over time.

Regular health check-ups are just as essential as they help catch any issues early. With the right health insurance, these checks become easier and more affordable. If you'd like support with choosing the right cover, you can get simple, helpful advice about health insurance by filling out the form on this page.

FAQs

• How much water should I drink each day?

Most people should aim for around 6-8 glasses of water per day, unless their doctor has told them otherwise.

• Can you reverse kidney damage?

Some kidney problems can be improved if found early, but long-term damage is often permanent. That is why prevention is so important.

• Are herbal supplements safe for the kidneys?

Some herbal products can be harmful to your kidneys. Always check with a doctor before taking any supplements.

• Is coffee bad for your kidneys?

Moderate amounts of coffee are usually fine for most people, but too much caffeine can raise blood pressure, which may harm your kidneys over time.

• What foods are best for kidney health?

Fresh vegetables, fruit, whole grains, fish, lean meats, nuts and seeds are good choices. Try to limit processed, salty and sugary foods.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

Mental health is just as important to take into consideration as physical health. In recent years, more people in India have started to understand the importance of mental well-being. Stress, anxiety and depression are becoming common problems due to fast-paced lifestyles, work pressure and personal struggles. That’s why it’s important to have mental health insurance.

In this article, you will get a closer look at what mental health insurance is, why it is important, what it covers and how you can choose the right plan for yourself or your family.

What is mental health insurance?

Mental health insurance is a sort of medical insurance that covers the costs of inpatient treatment for many mental illnesses. In India, mental health insurance coverage became mandatory for all health insurance providers after the enactment of the Mental Healthcare Act of 2017. 

Just like regular health insurance covers hospital stays, surgeries and medicines for physical diseases, mental health insurance helps pay for therapy, counselling, hospitalisation and medication related to mental health conditions. This insurance helps people get professional help without worrying too much about the cost.

Importance of mental health insurance coverage

Mental illnesses can affect any person, regardless of gender, age or background. In India, many people still feel ashamed or afraid to talk about mental health, but things are slowly changing. Awareness is growing, and more people are seeking help.

Here are some reasons why a mental health insurance plan is important:

• High treatment costs: Psychiatric treatment, therapy sessions and long-term care can be expensive. Without insurance, these costs may quickly add up.
• Support during crisis: Mental illnesses can become serious if not treated on time. Insurance helps you get timely help without delay.
• Financial security: With insurance, you don’t need to dip into your savings or take loans to pay for treatment.
• Encourages seeking help: When people know they are covered, they are more likely to go for counselling or therapy without hesitation.
• Long-term care: Some mental health conditions need continuous treatment and monitoring. Insurance can help cover ongoing expenses.

Who should take mental health insurance?

Mental health insurance is beneficial for anyone who wants to prioritise their emotional and psychological well-being, especially those more vulnerable to mental health challenges. This includes individuals with a history of mental health conditions, as ongoing support and treatment may be necessary.

Young adults and students can also benefit, as the pressures of education, career planning and social expectations often contribute to increased stress and emotional strain. Additionally, professionals in high-stress jobs may face burnout or anxiety-related issues, making mental health coverage an important aspect of their overall healthcare plan.

Mental health insurance for parents is also important, as they may face emotional challenges related to retirement, loneliness or chronic illness.

What does mental health insurance cover?

Some of the common mental illnesses that are covered by the mental healthcare plan in India are:

• Depressive disorders: These are disorders that affect your mood and cause persistent feelings of sadness, hopelessness, guilt or loss of interest. They can also affect your appetite, sleep, energy and concentration.
• Bipolar disorders: These are disorders that cause extreme mood swings between highs (mania or hypomania) and lows (depression). They can also affect your energy, activity, judgement and behaviour.
• Anxiety disorders: These are disorders that cause excessive fear, nervousness or worry, interfering with your daily life. They can also manifest as sweating, shaking, having a fast heartbeat or difficult breathing.
• Stress disorders: These can happen after going through something very upsetting or scary, like a significant trauma or stressful experience. They can cause symptoms such as flashbacks, nightmares, avoidance, hypervigilance or irritability.
• Schizophrenia: These include conditions that impact one's perception of reality, leading to experiences such as hallucinations (perceiving things that do not exist), delusions (holding false beliefs unsupported by reality) or disorganised thinking (uttering confused or illogical speech and displaying erratic behaviour).

Exclusions of mental health insurance cover

Health insurance for mental health does not cover all mental health conditions. Some of the common exclusions that you should be aware of:

• Mental retardation: This includes a condition where the mind does not fully develop, and it usually means a person has lower intelligence. Mental retardation is not seen as a mental illness, according to the Mental Healthcare Act of 2017. Thus, it is not included in a typical health insurance policy for mental illness.
• Mental illness from drug abuse: This means any mental problem linked to the improper use of drugs, alcohol or tobacco. These conditions are also excluded from mental health insurance coverage, as a natural disorder of the mind does not cause them.
• Pre-existing mental illness: Some insurance companies may impose a waiting period for covering any mental illness that was diagnosed or treated before buying the policy. This means that you may not be able to claim any expenses related to your pre-existing mental condition until the waiting period is over.

Tips for selecting a mental health insurance plan

Choosing the right mental health insurance plan can feel overwhelming, but a few key checks can simplify the process. First, ensure the policy covers a broad range of mental health conditions and treatments. Compare multiple plans to evaluate benefits, coverage and premium costs.

Check if the insurer’s network includes reputable hospitals and mental health centres near you. A shorter waiting period is ideal, and a simple, hassle-free claim process can make a big difference during tough times. Reading customer reviews and ratings can also help you assess service quality.

If mental health issues run in the family, consider a family floater plan. Some plans may require you to pay a part of the bill. Make sure you are aware of the co-payment clause.

If you are not sure where to start, we are here to help. Simply fill out the form on this page, and we will guide you with the right advice for your mental health insurance needs.

Conclusion

Mental health is a vital aspect of overall well-being. A mental health insurance plan is a smart way to stay prepared for unexpected situations and get the right help when needed. By understanding what mental health insurance covers and how it works, you can make better decisions for yourself and your family. Don’t wait for a crisis to think about it. Plan ahead and protect your mental well-being with the right insurance cover.

FAQs

• Can I get mental health insurance if I already have a mental illness?

It depends on the insurance company. Some may include it after a waiting period, while others may not cover pre-existing conditions.

• Does mental health insurance cover therapy sessions?

Some plans do, but not all. You need to check the specific policy details.

• What is the waiting period for a mental health insurance plan?

Most plans have a waiting period of 2 to 3 years for mental illness coverage.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

Ways to stay in shape along with a routine 9-5 job

Workouts are optimised around physiology and what we know about our body. Humans generally have a good capacity to expand energy for many hours during sustained exertion.

For working people, long working hours are one of the most common reasons for not exercising. However for runners, the challenge is to be a ‘Ninja’ and plan stealthy workouts when the schedule is overflowing.

Key Work-outs

There are few key work-outs that every runner must plan for the week and are very essential. Typically these would be speed sessions, strength work-outs and long runs. This way there is time to recover and then run hard. The first run can be planned at the start of the week followed by the strength workout on Wednesday and long run towards the weekend.

It is very important to warm up before all of your key workouts to elevate heart and respiration rates along with proper resting period as the body gets catabolic (the breakdown of tissues) when it hits aerobic capacity for too long. Short and Intense runs are good for speed work. 50m sprints would be helpful to move feet quickly and adapt a good running technique. The session need not last more than 60-90 minutes.

Plan repeat runs against a hill or up-slope to build running strength. Butt kicks can be done on the way down. Long runs need to be faster than the average pace needed for the next race. The idea is to run negative splits - to finish faster than you start. It can improve mental toughness and build pace awareness.

The history of getting tattooed goes into the deep past of early divisions of Stone Age. However, in recent times, tattooing has become increasingly popular and has unfurled itself across professionals, genders, different economic classes, and various age groups.

For some, getting inked is a fashion statement, for some, it’s a source of inspiration and for some, it’s a way to express their love and ideology, while for others it’s a creative art. No matter what your purpose is, it’s important to be well informed of the process and be adequately prepared before going under the needle to avoid its ill effects on your body.

Here we’ve compiled a list of points that you should keep in mind before getting yourself inked:

Be sure about your decision

It’s imperative for you to be certain about your decision. Understand that tattoos are somewhat permanent in nature. Yes, they can be removed using laser treatment, but that’s a long and expensive process. In case of large and detailed tattoos, getting them off can be too frustrating. Also, keep in mind that with time, the color of the tattoo will fade, and its shape may also change owing to the changing folds of your skin with growing age.

Know how it will affect your body

The tattoo is created using a needle that ruptures your skin and deposit the tattoo ink at the point of rupture. The puncture goes beyond the epidermis, for the ink to stay. The needle reaches the dermis where it meets with the nerves and blood vessels. The ink used for tattooing is not exclusively made for the human skin.

Also, it has been found that over the time, these pigments can assimilate in the liver through blood. Hence, before getting inked, be sure about your body will react to such foreign particles.

Know your pain tolerance

As mentioned above, tattoo needle penetrates deep into your skin to deposit the ink beyond the epidermis. Be informed that this can be a painful process. Hence, before you get under the needle, be aware of your ability to bear such pain and for how long you can sustain it, so as not to abandon the process in between, which may make it look ugly.

Get a cost estimation

Do not go after the cheaper options while getting yourself tattooed. It’s better to shell out few bucks from your pocket now rather than getting your skin infected with inferior quality inks and regret later. Also, ask the tattoo artist about the healing process and the maintenance costs post-tattoo. Before starting with the process, make sure you have a fair idea about the total amount of money that you would have to spend during the whole process.

Cataract is a vision disorder that can lead to blindness. Read on to know more about its prevention.

According to a WHO report, cataracts are responsible for 51% of world blindness. It is also the main cause of vision loss in people over the age of 40, which makes preventing cataract essential. Before taking precautionary measures, it’s important to understand what cataract is and what are its effects.

What Is Cataract?

Cataract is clouding of the eye lens, which results in blurred vision. It occurs due to accumulation of protein on the lens surface, which blocks light to reach the retina. This results in reduced visual acuity and blurred vision, which makes things appear as if looking through a foggy window. Symptoms of cataract include blurred vision, frequent change in eyeglass prescription, increased sensitivity to light, seeing halos around bright lights, or double vision.

Risk Factors for Developing Cataract

Several risk factors contribute to the development of cataract, age being the most common one. The risk factors include:

• Age: There is a greater risk of developing cataract as you grow older. This is because of exposure to environmental factors such as UV light, smoke, and other health disorders that lead to cataract.


• Gender: Women have a higher chance of getting cataracts than men. Studies have linked this to menopause, which causes decrease in oestrogen levels leading to the development of cataracts.


• Health conditions: Health conditions such as diabetes, hypertension, and obesity are also known to increase the risk of cataracts.


• Environmental conditions: Exposure to UV rays and smoke directly affect vision and make one more susceptible to developing cataracts.

Cataract Prevention Methods

While there are debates on whether cataract can be prevented, research shows that there are measures you can take to reduce the risk of getting cataract. Here are some ways that can reduce your chances of getting cataract:

• Lifestyle habits: Excessive smoking and alcohol consumption severely affect your eye health. Both these habits increase the chances of developing cataract. Reducing or quitting them is advisable for reducing the risk of cataract and an overall improvement in your health.


• Diet: Ensure inclusion of vitamins, minerals, and antioxidants that promote eye health in your diet. Dark green leafy vegetable such as spinach, kale, turnip, etc. improve eye health. Besides this, sources of omega-3 fatty acids such as fresh water fish and flaxseed further reduce the risk.


• Steroid medication: Usage of steroid medicine is said to increase the chances of developing cataracts. Know the risk factors or consult your eye doctor before starting new medication. It is better to avoid them unless specified by an ophthalmologist.


• Protect your eyes: Exposure to UV rays hastens the development of cataract, even in younger patients. Always shield your eyes from UV rays, either with a wide-brimmed hat or sunglasses with UV protection while outdoors.


• Diabetes: Studies show that diabetics are more prone to developing a cataract. It’s necessary for these patients to maintain their blood sugar to prevent cataracts. Take proper medication to keep a tab on your diabetes.


• Regular check-ups: Schedule regular eye exams, especially as you grow older. Your eye doctor can detect cataract and other vision disorders when you cannot. With early detection, your doctor can prescribe the best treatment for you.

In addition to the physical suffering and mental trauma, cancer also comes with a massive financial burden. This blog talks about how to choose the right health insurance plan with cancer coverage.

Cancer awareness is essential in order to take an informed decision

In spite of the progress in research and technology, cancer is still one of the most lethal diseases out there. While there are no guaranteed ways of reducing the risk of cancer, there is a responsible decision you can make to reduce the financial burden in the face of such odds. That is choosing a right insurance cover.

Need for Health Insurance with Cancer Cover

The thought of being diagnosed with cancer is frightening but what’s more distressing is the probability of that becoming reality. About 70 to 90 percent of all cancers are because of environmental factors instead of the genetic make-up. It is crucial to protect yourself by opting for health insurance with cancer cover.

Cancer is a very taxing disease, physically , emotionally, and financially. Cancer treatment involves massive costs that keep increasing as the disease progresses. The last thing a person suffering with cancer needs is the burden of the heavy treatment costs. A health insurance with cancer cover will be a much needed source of relief in such stressful times.

When choosing a policy, you must compare quotes from different insurers to find a plan that fits your budget. Make sure to determine how much coverage you need, depending on potential medical expenses, including treatments, hospitalisation, ambulance costs and other associated costs.

Types of Cancer Covered by Insurance Plans

Most insurance plans with cancer cover various types of cancers like lung cancer, stomach cancer, ovarian cancer, prostate cancer, breast cancer, and more, depending on the plan you opt for.

Coverage Against Multiple Stages of Cancer

There are four stages of cancer ranging from the early stage to the critical stage. An important thing to keep in mind while getting cancer cover with health insurance is to check whether it covers all the stages and meets the financial demands of each stage.

Term of the Plan and Tax Benefits

The term of the plan is essential. Some plans have maximum term of 20 years, which may seem like a long time now but if you get it at 30, it will cease to cover you once you turn 50. You should go through the term of different plans carefully and choose the one that suits your needs.

Also remember, under section 80D of the Income Tax Act, cancer insurance plans are liable to avail tax benefits.

Things to Consider

There are a few things you need to consider before you buy health insurance with cancer coverage. You need to check if the insurance will support critical illness treatment costs even after the first diagnosis, whether the benefits differ depending on the different stages of cancer and if there will be a waiver of premium upon diagnosis.

Now that you know the need and benefits of a cancer cover, make it a point to have it included in your health insurance plan.

Updated on 1 Dec 2025

Autism, or Autism Spectrum Disorder (ASD), covers a wide range of conditions affecting social skills, speech, behaviour and communication. Some children with autism need help every day, while others might need only a little support or even live on their own.

Autism has no known cure yet. However, there are lots of therapies and treatments that can help reduce symptoms and make life better for those with autism. The government offers a individual health insurance scheme called ‘Niramaya’, which offers a sum assured of up to ₹1 lakh for the treatment and care of children with developmental disabilities like autism, cerebral palsy and so on.The scheme covers outpatient treatments including those for pre-existing ailments, and expenses for corrective surgeries and non-surgical hospitalisation. However, the question arises is whether the amount  this scheme offers is actually enough.

Currently, there are very few policies in the health insurance market that cover autism-related expenses.

Benefits of getting insurance for autistic kids

A health insurance policy for children with autism provides definite health coverage. The benefits of some of the plans include:

• The policyholder can claim for daycare procedures.
• If covered under outpatient care, the insured receives compensation for occupational, speech, behavioural and physical therapies.
• Hospitalisation costs up to a specific amount (according to the policy terms) per day are covered. This includes boarding fees, nursing charges, room rent and more.
• Some plans include costs for medical services such as seizures, botox injections, tonsillectomy, physiotherapy, speech therapy and similar treatments.
• Some plans also offer teleconsultations and lifetime renewability.

Limitations of basic health insurance options for autistic kids

There are certain limitations to the health insurance policy coverage for autistic kids. SOme of the common exclusions include:

• Expenses from gender change, plastic surgery, skincare procedures and similar treatments.
• Minor charges such as hospital registration and phone usage.
• Alternative practices like naturopathy.
• Unless pre-approved, high-cost treatments such as stem cell therapy, immunotherapy, bone marrow transplant and psychological therapy are not available.
• Some therapies may be included only with a doctor’s permission. For example, stem cell therapy.

Need for customised autism health cover in insurance.

Special autism insurance is important for three main reasons. First, the number of children diagnosed with autism is increasing, making ASD the second most common serious developmental disability after intellectual disability. Second, autism treatments are complex and expensive. ASD affects a child’s development, including his/her speech, gestural, non-verbal and social interaction with his/her peers. So, it’s not just paediatrics that needs to be taken care of with ASD; therapy for all the above also becomes necessary. Third, families of children with autism frequently face difficulties accessing quality services and report less satisfaction compared to families of children with other health issues. For these reasons, autism care demands multi-disciplinary treatment along with improved financial support through specialised insurance.

Health insurance coverage required for autistic kids

An autistic child would require multi-disciplinary treatment. So, along with regular visits to a paediatrician, they would need assistance and care from a psychiatrist, a counsellor, a special educator, a speech therapist and an occupational therapist. Consulting all of these people is quite expensive, and can lead to the annual cost of treatment being as high as ₹2-3 lakh.

Moreover, children with ASD are accident-prone, and the treatment and care for these accidents further add to the cost of treatment. Therefore, one would require a coverage of a minimum ₹4-5 lakh to cover the complete cost of treatment for autism.

Conclusion

Proper insurance for children with autism can ease the financial burden for families. While government schemes offer some support, a customised health insurance policy with higher coverage limits helps reduce out-of-pocket expenses for therapies, hospitalisation and other treatments. As awareness about autism and its costs grows, more insurance companies are expected to introduce better policies tailored to the needs of autistic children.

Early planning and the right insurance cover can provide peace of mind and ensure continuous support for the child’s well-being. To learn more about suitable insurance options and find the best plan for your child, fill out the form on this page now and get personalised assistance.

FAQ

• Does typical health insurance cover treatments like speech or occupational therapy for autistic children?

Some basic health insurance plans cover therapies such as speech, occupational and behavioural therapy only partially and some not at all. Special add-ons or customised plans may be needed to adequately cover these expenses.

• How much insurance coverage is recommended for a child with autism?

Given the cost of multi-disciplinary treatment, experts recommend insurance coverage of at least ₹4-5 lakh annually.

Disclaimer: The information provided in this blog is for educational purposes only. Please consult a medical or nutrition professional before making any significant changes in your daily diet. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any impact or consequences resulting from the use of the information shared.

There are some key differences that make super top-ups highly beneficial.

Inflation and demand for specialty healthcare have led to a rise in basic medical expenses. In case of hospitalisation and a claim, one often realises that while having a complete health insurance policy was a great financial decision,, the sum assured was a constrain. It is often noted that rising healthcare costs render the cover insufficient.

Thankfully, you can avoid such a situation by opting for either a top-up plan or a super top-up plan. In some cases, a third alternative is to opt for an additional policy. However, for most cases, a top-up is the ideal way ahead as it enhances the sum assured of your base plan to cover the shortfall. Let us learn more about Top-Ups and Super Top-Ups:

Top-Up Plans

The Top-Up allows you to make a claim that exceeds the deductible value & the sum assured of the base policy during a single hospitalisation. All claims are treated individually in this cover and multiple claims under the same policy period are not aggregated. The deductible is the limit set in your policy schedule.

Super Top-Ups

A Super Top-Up pays claims for cumulative medical expenses within a policy year once it exceeds the deductible and the sum assured of the base policy. It offers coverage not payable by your top-up or base plan. Such a plan can be availed from any insurer and is not limited to your base policy insurer.

While both top-ups kick in only after the claim amount exceeds the deductible and the sum assured of the base policy, the difference lies in its working. The illustration below will help you better understand how both these plans are beneficial.

Updated on - 10 Feb 2026

You’ve opted for health insurance to safeguard your finances against the soaring healthcare costs. Now that you have this assurance, it is important to understand how the claim process works to ensure smooth proceedings during an emergency. Opposed to common belief, the claim process is relatively easy. By understanding it in detail, you can simplify claim filing and ensure timely settlements.

Whether you are going for a cashless facility or reimbursement, this blog is your guide to all the steps to a successful health insurance claim.

How to make a health insurance claim?

To make a successful medical insurance claim, you should be familiar with the policy's terms, like inclusions, exclusions and limits. Follow these steps to initiate a claim-

1. Inform your insurance provider about the medical treatment or hospitalisation immediately.
2. Collect all required documents for filing a claim.
3. Submit the claim following the guidelines provided by your insurer.
4. Keep track of the claim process through the online portal or customer support facility of the insurance provider.

Types of health insurance claims

Health insurance claims can be divided into two types: cashless and reimbursement claims. Both have unique processes and specific documentation requirements. Cashless claims can be made at a network hospital only. Once your claim is approved, the amount will be paid directly to the hospital by your insurer. Whereas reimbursement claims can be filed for treatment in a non-network or a network hospital. Post-hospitalisation, you have to pay the bills from your pocket and claim reimbursement for the amount later.

Step-by-step procedure for filing a cashless health insurance claim

Filing for a cashless insurance claim is simple. Here are the steps to follow:

1. Choose a network hospital of the insurance provider for getting treatment
2. Inform the insurer about the planned or emergency hospitalisation
3. Submit the pre-authorisation form at the hospital
4. Get the pre-authorisation approved by the insurer
5. The insurance provider will take care of the bills

Step-by-step procedure for filing a reimbursement claim

For reimbursement claims, no pre-authorisation form is generally needed. However, after discharge, you need to submit all the documents for the out-of-pocket expenses. You can mail these papers along with the duly filled claim form to your insurance provider or TPA.

1. Notify the insurer about the hospitalisation
2. Pay the medical bills upfront
3. Collect the hospital bills, medicine prescriptions and test reports
4. Fill out the claim form, attach the required documents and submit
5. Await the review and processing of the claim by the insurer

Types of hospitalisations covered by health insurance claims

The most common types of hospitalisations covered by medical insurance providers are-

1. Planned hospitalisation: For elective surgeries or treatments scheduled in advance.
2. Emergency hospitalisation: Unplanned medical situations that require immediate attention.
3. Day-care treatment: Medical procedures that do not need 24-hour hospitalisation.
4. Domiciliary hospitalisation: Treatments done at home due to the inability to transfer the patient to a medical unit.

In the case of planned hospitalisation at a network hospital, the specified time required to notify your insurance company is at least 1-2 days in advance. For emergency hospitalisation, you have to inform the insurer within 24 hours.

Documents needed to file a health insurance claim

Before filling out a health insurance claim, make sure to have the following documents ready-

1. Completed claim form
2. Original hospital bills with a breakdown of the cost
3. A summary of hospitalisation and treatments or a discharge summary
4. Prescription, test reports and diagnostic results
5. Identity proof of the policyholder or patient
6. Bank details in case of reimbursement claims

Things to consider while applying for a health insurance claim

There are certain points that you need to know before applying for a health insurance claim-

1. Waiting period

Ensure the policy covers the health condition without any waiting period restrictions. You cannot apply for an insurance claim before this period is exhausted.

1. Deadlines

All claims must be submitted on time to ensure smooth processing.

1. Network hospitals

Check the hospitals on the insurance provider’s network to benefit from a cashless claim facility.

1. Pre-existing conditions

See if the insurance claim covers pre-existing health conditions.

Tips to avoid health insurance claim rejections

Notifying the insurer on time, providing correct information and submitting completed documents are some of the important steps to avoid claim rejections.

Make sure to

• Disclose accurate personal and medical details while buying the policy
• Adhere to the terms of the policy
• Submit all required documents with the claim form
• Inform the policy provider on time about hospitalisation
• Review all forms and fills before submitting

Steps to check the status of a health insurance claim

You can check the status of your health insurance claim in the following ways-

Website

1. Go to the online portal of the insurance provider.
2. Give your login credentials and the claim reference number to get the status.

Customer care service

1. Call the customer care department of the insurance provider.
2. As requested, provide your claim reference number and other details to know the claim status.

Mobile app

1. Download the mobile application of the insurer.
2. Log in with your details.
3. Enter your policy number and get the status of your claim.

Email updates

 Check your inbox for any status updates sent from the insurance provider.

Rights of policyholders during the health insurance claim process

As per the IRDAI rules, a policyholder possesses the following rights for claim settlement or during a rejection:

• Your claim should pass within 30 to 45 days of receiving the necessary documents.
• If the claim is delayed, the insurance company is liable to pay an additional 2% of interest on the reimbursement amount.
• The initial eight years are known as the moratorium period, after which a health insurance company cannot deny the claim. Fraudulent cases are an exception.
• The insurance company cannot deny the claim on the grounds of non-disclosure or misrepresentation. It is up to the insurer to specify the terms and conditions of the policy.

What to do if your health insurance claim is denied?

People invest in family health insurance to be financially prepared in case of medical uncertainties. However, if the claim is denied, there will be panic and stress, especially if you are wholly relying on the claim amount for your hospital bills. So, what can you do in this situation?

IRDAI issued a guideline in 2024, directing insurance companies not to reject any claims for policyholders who have consistently paid for five years. It is only in the case of fraud or permanent exclusion that the insurer can reject it. However, if your 5-year period isn’t over and your claim is rejected, you can find out the reason for the claim denial.

If the claim seems to be rejected on genuine grounds, you can make necessary changes and apply for it again. Send a Letter of Appeal to the insurance company to reconsider your claim. If the insurer again rejects your appeal, you can take any of the following actions:

• Contact the ombudsman, who will verify the facts and issue the final decision.
• Contact IRDAI at their email (complaints.@irdai.gov.in) or toll-free number to explain the situation and assist you.
• Visit the authorised website to file a complaint with the Integrated Grievance Management System.
• Appeal to the consumer court.

Conclusion

Having an individual or family health insurance plan is not enough. Timely filing of claims during an emergency is essential to gain the complete benefit of the policy. The claim process is simple to ensure the policyholder gets the required financial support during a health crisis. However, it is essential to be familiar with the steps of filing a claim and the necessary documents required to ensure the procedure is hassle-free.

Take the first step towards better health by investing in a medical insurance plan. Fill out the form on this page, and our insurance experts will be happy to help you out.

FAQS

1. What is the difference between cashless and reimbursement claims?

Cashless claims are direct settlements between the insurance provider and the hospital, while reimbursement claims include the policyholder, who the insurer repays after the hospital bills have been paid upfront.

2. Can I file a claim for pre-existing conditions?

You can file a claim for pre-existing conditions after the waiting period as specified by the policy.

3. When does a claim get rejected?

A claim can be rejected due to non-disclosure of important information, delay in claim filing, or in case the medical condition is beyond the coverage provided by the policy. Always provide correct details and adhere to important deadlines to avoid a claim rejection.

4. Can I file multiple claims in a year?

Yes, if the total claim amount is under the sum insured by the policy, you can file for more than one claim in a year.

5. Can I make a yearly claim for insurance?

Yes, you can make a yearly claim on your health insurance within the limit allowed by the policy.

5. What is a claim investigation?

Claim investigation helps insurance companies analyse and differentiate fraudulent claims from genuine ones. Your claim form and documents will be thoroughly scrutinised and a suitable decision will be made. Therefore, ensure you fill in the details correctly in the form and submit the documents as per the requirements.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

In today's times, when critical illnesses and medical inflation are on the rise, a wellness program comes as a relief for policyholders. Read on to understand wellness programs and their benefits.

What is a wellness program?

ICICI Lombard General Insurance offers wellness program along with your health insurance policy or super top-up plan. Through it, you, as a policyholder, are rewarded with wellness points for keeping yourself hale and hearty by pursuing any of the activities covered. These points can be redeemed later as per the redemption terms and conditions, subject to a maximum.

Why should I opt for a wellness program with my health insurance policy?

According to a recent report published by the World Health Organisation (WHO), the probability of death in India from the four major non-communicable diseases – cancer, cardiovascular, chronic respiratory,and diabetes,is 26% for individuals aged 30-70 years. Let us have a look at the probable underlying causes:

As evident, these four diseases can be prevented or controlled with a small yet significant change in lifestyle. While diseases caused by heredity, radiation and infections are not avoidable after a certain extent, tobacco use and sedentary lifestyle should be controlled to ensure a long and healthy life.