You are driving down the road, listening to music and admiring the scenery, when a careless driver shifts into your lane, causing a terrible accident. You suffer severe injuries that necessitate costly medical treatment, and you are unable to work for weeks or even months. The accident's financial burden begins to weigh on you, causing stress and anxiety. This is where personal accident insurance can come in handy. Let’s talk about what is personal accident insurance policy and why you need it.

Personal Accident Insurance Policy

Personal accident insurance provides financial compensation to an individual or his/her family in the event of an accident that results in disability, injury, or even death. The policy aims to protect against the financial burden of unexpected medical expenses, loss of income, and other costs that may arise due to an accident.

For example, let’s say that Mr X, a 35-year-old man, works as a construction worker. One day while working at the construction site, he falls from a high altitude and suffers severe injuries, which leads to his hospitalisation for several weeks. In this case, if Mr X has a personal accident insurance policy, he will be eligible for a payout from his insurer.

A personal accident insurance policy offers a lump sum payment, which can be used by the policyholder, Mr X, for various purposes, such as paying for medical treatment costs, covering post-hospitalisation expenses related to recovery, or as a supplement for any loss of income due to the accident. The payout is not conditional to the actual medical treatment bill paid.

Typically, health insurance and motor insurance providers offer personal accident coverage. Additionally, the IRDAI, or the Insurance Regulatory and Development Authority of India, has made it mandatory for all motorists to have personal accident coverage in their two or four-wheeler insurance policies. Under the IRDAI guidelines, insurers must provide this policy or rider with a minimum coverage amount of Rs 15,00,000.

Benefits of Personal Accident Insurance Policy

Personal accident insurance policy provides financial protection to individuals and families in case of an accident, and here are some key benefits.

• Easy claim process:

The claim process for a personal accident insurance policy is straightforward and hassle-free. Most insurance companies offer 24/7 customer support and fast claim settlements, ensuring you receive your payout when you need it the most.

• Affordable premiums:

Personal accident insurance policies come with affordable premiums that make them accessible to everyone.

• Comprehensive coverage:

Such policies offer comprehensive coverage against a wide range of accidents, including road accidents, accidents at work, and mishaps at home. They also cover accidental death and disability, ensuring you and your family remain protected in a worst-case scenario.

• Financial support:

In case of an accident, a personal accident insurance policy offers a lump sum payout that can help cover various expenses. This includes rehabilitation costs, medical bills, and loss of income due to permanent or temporary disability. This financial support can help you concentrate on your recovery instead of worrying about financial woes.

• Worldwide coverage:

These policies offer worldwide coverage, meaning that policyholders are protected regardless of their location.

Updated on - 23 Oct 2025

When it comes to protecting your health and finances, having a health insurance plan is a smart step. But sometimes, regular health insurance might not be enough. That’s where accident cover and critical illness cover come in. These two add-ons offer extra support in case of serious medical situations. Let’s understand what they are and why they matter.

What is accident cover in health insurance?

Standard health insurance policies do not include personal accident coverage. Therefore, you must opt for a personal accident insurance plan to get coverage.

Personal accident insurance is a form of insurance that covers the costs or damages caused by a traffic accident. This type of policy offers compensation in the event of the insured’s permanent total disability or demise resulting from a road accident. You might want to contemplate purchasing a personal accident insurance policy for various reasons. Some benefits of personal accident cover include coverage for hospitalisation expenses and accidental death and disability, ensuring financial security for your loved ones, as well as worldwide coverage.

You can opt for coverage for terrorism as an optional add-on with a personal accident insurance policy. Thus, it is necessary to verify the specifics of the coverage with the insurer prior to purchasing an accident insurance policy.

What is critical illness cover in health insurance?

If you receive a critical illness diagnosis, the policy provides a lump sum payout that you can utilise to cover the costly expenses associated with hospitalisation, doctor's consultation fees, medication, ambulance charges, room rent and pre- and post-hospitalisation expenses, as well as loss of income caused by the illness. This payout is in addition to your Mediclaim or health insurance policies.

Without critical illness cover, paying for treatment costs can put a burden on your family and erode years of savings in just a few months. In addition, this insurance offers the option to receive a monthly income in case of diagnosis. When selecting a policy, consider the sum assured, age, critical illnesses covered, renewal limit and inclusions and exclusions.

Having critical illness cover can provide you with the financial support you need at the right time and help keep your other savings intact for their respective objectives.

Is PA and critical illness cover already included in the health insurance plan?

Personal accident insurance is an optional coverage you can purchase alongside a health or motor insurance policy. This coverage provides protection against injuries resulting from an accident and necessitates an extra premium.

The sum insured for health insurance can range from Rs 5-50 lakh or beyond, while personal accident insurance can range from Rs 2.5 lakh to 1 crore. Health insurance may have a waiting period of 9 months to 4 years, while personal accident insurance has no waiting period. You can widen the scope of your primary healthcare plan by purchasing personal accident coverage as an add-on to include the entire cost of medical treatment for injuries related to accidents.

Health insurance and critical illness policies are also different types of insurance plans. Health insurance covers medical and outpatient expenses during hospitalisation, but may not cover all diseases and has a longer waiting period. On the other hand, critical illness policy covers specific life-threatening diseases and provides a lump sum upon diagnosis.

Health insurance covers a broader range of ailments, while a critical illness insurance policy provides coverage for a specified list of critical illnesses. Both policies have their advantages and limitations and need to be purchased separately. The sum assured value varies between insurers, and waiting periods apply to both policies.

Benefits of having both covers alongside health insurance

Adding accident and critical illness cover to your health plan gives you complete protection. Here’s why it’s useful:

• Extra financial support: Health insurance plans pay hospital bills, but these coverages give you money directly. You can use it for treatment, family needs or even repaying loans.
• Covers non-medical costs: If you can’t work due to injury or illness, these payouts help manage daily expenses.
• Peace of mind: Knowing you have support in case of serious health problems helps reduce stress.
• Quick payout: These covers often give a lump sum quickly after diagnosis or accident, without needing detailed bills.

Things to check before buying

Before you buy accident or critical illness cover, keep these points in mind:

• List of illnesses covered: Check which diseases are covered in the critical illness policy. Each company may have a different list.
• Waiting period: Most policies have a waiting period of about 30 to 90 days before you can claim. Make sure you know this.
• Survival period: Some critical illness plans need the insured to survive for a few days (like 30 days) after diagnosis to get the benefit.
• Exclusions: Check what’s not covered. For example, pre-existing conditions or self-inflicted injuries.
• Claim process: Choose a plan that has a simple and quick claim process.
• Sum insured: Think about how much cover you actually need. Consider your age, family situation and lifestyle.

Tax benefits on the premium paid

In India, the premium you pay for accident and critical illness insurance can also help save tax. Under Section 80D of the Income Tax Act, you are able to claim a deduction for the premium paid on health-related insurance policies.

The exact benefit depends on your age and the type of policy. You should keep the payment receipts and policy documents ready while filing your income tax return.

Conclusion

Accident and critical illness insurance are important parts of financial planning. While your main health insurance policy for family covers hospital bills, these extra covers provide a safety net when life throws unexpected challenges.

Not sure what kind of cover is right for you? Fill out the simple form on this page to get personal advice based on your needs. Our experts will guide you at no cost, so you can make the best decision for your health and safety.

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.

If you get diagnosed with a cataract, and your ophthalmologist advises surgery, you may be curious about the question, “Is cataract surgery covered by medical insurance”. Well, the good news is that your health insurance can indeed cover cataract surgery, but there are essentially a few things you need to be aware of before scheduling your procedure. For example, your policy may only cover 80% of the surgery cost, leaving you responsible for the other 20%. Also, your policy may not cover additional expenses related to the surgery. So, it’s crucial to thoroughly read your plan’s terms and conditions before signing up for it or scheduling your surgery.

 Let’s explore the types of cataract surgeries available in India, the waiting period associated with coverage, and the benefits of purchasing a health insurance plan that covers such procedures.

How Much Does Cataract Surgery Cost in India?

There are different ways to treat cataracts in India. Thus, it is essential to discuss with your insurance provider — does health insurance covers cataract surgery — for any particular surgical procedure of your choice.

• The commonest type of cataract surgery is Phacoemulsification, which takes less than 30 minutes. Ophthalmologists make a small incision and use an ultrasonic probe to break the eye’s lens into fragments. The lens gets replaced with an intraocular lens or IOL through a corneal incision. This can cost anywhere between INR 22,000 to INR 60,000 or more.

• Ophthalmologists advise ECCE or Extracapsular Cataract Extraction for complex cataracts. It requires larger incisions to remove the cataract in one piece, and a patient requires sutures to seal the wound. The cost for ECCE ranges from INR 32,000 to INR 40,000.
• Intracapsular Cataract Surgery needs more extensive incisions, where your eye surgeon removes the lens and surrounding capsule and implants an IOL in front of the iris. This surgery costs between INR 32,000 to INR 39,000.
• FLACS, or Femtosecond Laser-assisted Cataract Surgery, is the most advanced method. The laser breaks the lens, performs anterior capsulotomy, and places the IOL. This surgery costs between INR 50,000 to INR 1,60,000.

What's the Waiting Period for Cataract Surgeries?

• Every medical insurance policy comes with a waiting periodduring which you are ineligible to receive the benefits of the cataract surgery covered by health insurance. You must essentially hold off on making any claims during this time.
• Policies that provide coverage for cataract surgeries, in particular, may have their unique waiting period that varies depending on the insurance provider. Usually, the waiting period for cataract surgeries falls between twelve to twenty-four months.

It is vital that you check your policy documentation with great care to avoid any ambiguity or confusion regarding the waiting period. Therefore, it is imperative that you familiarise yourself with the complexities of your policy and make a note of the waiting period associated with any condition you intend to seek treatment for.

Is Cataract Surgery Covered by Medical Insurance?

Yes, cataract surgery is covered by most comprehensive health insurance policies, but the extent of coverage is limited by certain factors. Here is a list of exclusions and inclusions:

Inclusions

• Surgical costs, such as fees for the surgeon and operating room charges.
• Hospitalisation charges, including room rent and nurse fees during the treatment.
• Pre and post-surgery care expenses, like charges for diagnostic tests, medical bills, and follow-up consultation
• Intraocular lens or basic IOL costs.

Exclusions

• Cosmetic upgrades, such as the use of premium lenses.
• Some policies have a cap amount, the cost beyond which is not covered during reimbursement.
• Treatment in non-network hospitals may not be covered.

Claim Process

Cashless Treatment: If you are admitted to a network hospital, the insurance provider will make a cashless payment directly to the hospital.

Reimbursement: In the case of a non-network hospital, you can submit bills later for reimbursement from your insurance provider.

Benefits of Health Insurance Covering Cataract Surgery

The benefits of a health insurance policy include financial support during and after the procedure, access to quality healthcare, and comprehensive coverage for the whole family.

The cost of cataract surgery is determined by several factors, such as the location of the hospital, the type of lens implanted, and the surgical procedure. Generally, the price ranges from INR 10,000 to INR 1,00,000, but if you undergo surgery at a leading hospital in a metro city or if your ophthalmologist suggests advanced procedures, the cost can go up to INR 60,000 for one eye. To save money on medical expenses, especially for ageing parents, purchasing a health insurance plan with an affordable premium is a good option. These plans can cover the costs of daycare treatments and post-surgery expenses, subject to the policy’s terms and conditions.

Some health insurance companies also offer plans with cataract coverage, which can help individuals save a significant amount of money. Researching and choosing a reputed health insurance company for the best coverage options is advisable.

Conclusion

Cataract surgery can restore vision and have a positive impact on the quality of life of an individual. While the process and costs may seem complex, having comprehensive health insurance provides you with the mental and financial security to undergo the surgery. Always read the policy documents carefully and consult the insurance provider before proceeding. With the right insurance plan, you can easily take a step closer to a better vision!

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Updated on 2 Dec 2025

As people age, all health-related needs change, and medical expenses increase. Older individuals have a much higher chance of facing severe conditions, such as stroke, kidney issues, heart conditions or cancer. These ailments come with high medical costs and need long-term treatment. A standard health policy will not be enough to cover all these expenses.

This is where you need a critical illness insurance policy for older citizens. This plan offers monetary protection during difficult times, ensuring that senior citizens receive good treatment without draining the family savings. 

What is critical illness insurance for senior citizens?

The fast-paced and stressful lifestyle of modern times has resulted in a rise in lifestyle diseases, such as hypertension, diabetes, and others, leading to serious health complications later in life. However, one can live a healthy life with proper management and treatment. Critical illness insurance policies help you deal with the expenses related to critical conditions and lifestyle-related diseases. It’s imperative to invest in a top-tier health insurance plan that safeguards you financially from these ailments since the treatment for these critical illnesses is exorbitant, and the resultant financial burden is unsettling.

Before purchasing a senior citizen critical illness policy, it is crucial to consider various factors, such as present age, number of dependents, and health status. For example, suppose you have certain family members who are senior citizens and dependents. In such circumstances, you may want additional coverage for sudden healthcare emergencies, such as heart attacks. Thus, it is always advisable to opt for a critical illness cover for senior citizens with sufficient financial support. Additionally, people who smoke regularly, have high-stress jobs or are more at risk of developing health problems with advancing age should start to plan early to overcome hurdles while purchasing insurance.

Your present financial position is also crucial to consider, as the cost of quality healthcare continuously increases, and inflation is bound to happen. Consequently, it is essential to think about all these issues while deciding on the adequate sum insured.

Why are companies formulating critical illness plans for the elderly?

Many insurance firms understand that older adults are at a much higher risk of age-related and lifestyle conditions. With the rise of medical inflation and life expectancy, treatment expenses are becoming expensive. To address such requirements, many insurance firms have created specialised critical illness policies for senior adults. Such policies ensure that even after retirement, when the income is limited, older adults can still manage medical emergencies without relying on their savings or children.

Benefits of critical illness insurance for senior citizens

The critical illness policy provides countless advantages, such as:

• Lump sum payout: On diagnosis of all the listed ailments, the insured will receive a one-time payout, which can be used for other requirements or treatment.
• Peace of mind: Older adults can concentrate on their recovery without worrying about the medical bills.
• Covers major conditions: Many critical illness policies normally cover conditions such as organ transplant, kidney failure, cancer, stroke and heart attack.
• Flexibility of use: The payout will also cover home care costs, post-treatment recovery and travel expenses.
• Financial protection: The policy helps families manage the high treatment expenses without breaking their savings.

Things to keep in mind while buying critical illness insurance for senior citizens

Right before purchasing a policy, consider the following pointers:

• Covered conditions: Check the list of ailments covered in the policy properly.
• Age limit: Many plans have some age restrictions. For such reasons, you should check the eligibility.
• Waiting period: Several policies come with a waiting period before you can make any claim.
• Premium costs: The premiums are normally higher for older adults, so it's crucial to compare the policies before opting for one.
• Claim process: You need to make sure that the insurance firm has a fast and simple claim settlement process.

Conclusion

Critical illness policies for senior citizens go beyond mere financial safeguards; they offer peace of mind and practical support during medical crises. In India, the healthcare costs are increasing, and it's essential to make sure the elderly receive good-quality treatment without experiencing any financial stress. To gain more solutions and advice on medical insurance plans, please fill out the form available on this page. Let’s help you locate a health plan that suits your needs and budget.

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.

As individuals age, their risk of developing health problems increases, leading to higher healthcare expenses. Senior citizens are more prone to chronic conditions, such as diabetes, heart disease, and hypertension, which require regular medical care. Due to their limited income and retirement funds, seniors may struggle to pay medical bills, making health insurance a necessity.

Senior citizen insurance, also known as elderly health insurance or senior health insurance, is designed to provide medical coverage to people aged over 60 years. The insurance policy in question considers the different healthcare requirements of older adults and offers extensive medical coverage at reasonable prices.

Medical insurance plans for senior citizens offer coverage for hospitalisation expenses, medical tests, doctor consultations, ambulance services, and pre-existing illnesses. Additionally, some insurance providers may offer add-on benefits to increase the coverage scope. However, amid all these benefits, there is one common query around this policy — Is a Mediclaim policy for senior citizens without medical tests available?

Can You Get A Senior Citizen Health Insurance Without Medical Tests?

In reality, senior citizens must undergo medical tests before their policies get approved. These tests help the insurer to determine the policyholder’s health status and the risks involved in covering them. For example, a senior citizen with pre-existing conditions such as diabetes or hypertension may be deemed to be at a higher risk of making a claim and may get charged a higher premium.

Any health insurer offering Mediclaim for senior citizens without medical tests can result in significantly lower coverage amounts and higher premiums. Insurers provide coverage without a medical exam for people up to the age of 45.

Things to Remember Before Buying Senior Citizen Health Insurance

• Cashless hospitals:

Network hospitals offer cashless medical treatment to policyholders, particularly senior citizens who frequently require medical attention. Managing treatment expenses can be challenging if the insurance provider does not have a network hospital in the policyholder's area.

• Waiting period:

Policyholders cannot claim for various illnesses or conditions during the waiting period, typically ranging from a few months to four years. It is crucial for senior citizens, who often have pre-existing medical conditions or may require frequent medical attention, to check the waiting period for such conditions.

• Daycare procedures:

These medical treatments or procedures do not involve an overnight stay at the hospital for the patient. Senior citizens may require such procedures frequently due to age-related health conditions. Therefore, checking if the health insurance policy covers daycare procedures and the extent of coverage is essential.

• Claim procedure:

To ease the claim process, senior citizens should choose insurance policies with simple reimbursement procedures, preferably online or over the phone, as they may face physical limitations in visiting the offices of their insurance providers. Also, completing extensive paperwork may be difficult for them. Additionally, it is essential to verify the insurer’s claim settlement ratio for reliability.

• Alternative treatment:

Most senior citizens often prefer alternative treatments like Ayurveda, Yoga, Naturopathy, and Homeopathy to treat various ailments. Hence, it is essential to consider health insurance policies that provide coverage for alternative treatments.

The Income Tax Act’s Section 80D offers a silver lining to taxpayers by enabling them to avail deductions for health insurance premiums disbursed towards their own well-being, family, and Hindu Undivided Family or HUF members. This deduction can help taxpayers reduce their tax liability, making it an attractive investment option. However, you must meet specific conditions and limits to be eligible for these deductions.

What is the Maximum 80D Tax Deduction Limit for Health Insurance?

Individuals and HUFs can breathe a sigh of relief as Section 80D of the Income Tax Act gives them the opportunity to avail of deductions for the health insurance premiums they've paid. The 80d deduction limit for individuals is Rs 25,000 for policy fees or premiums paid for themselves, their spouse, and dependent children. For premiums paid towards their parents’ health insurance, individuals can claim an added deduction of up to Rs 25,000 or Rs 50,000, depending on their parents’ age. If any health insurance policy does not cover medical expenses for senior citizens (i.e., you, your parents, or any family member), you can claim a deduction of up to Rs 5,000 within the Rs 50,000 80d limit. In case the individual, spouse, dependent children, and parents are all senior citizens, you can claim a maximum deduction of Rs 1,00,000 under this Section.

HUFs can claim an 80d maximum limit deduction of Rs 25,000 or Rs 50,000 for premiums paid for members aged under 60 or 60 and above, respectively. It’s worth noting that payments made in cash for health insurance premiums do not fall under the purview of deductions under Section 80D.

What are the Eligibility Criteria to Claim 80D Tax Deductions?

Health insurance is an essential part of your investment portfolio as it provides financial protection during medical emergencies and allows you to claim a maximum deduction under 80d. Unfortunately, many of the Indian population are not covered under health insurance,Different leaving them vulnerable to high medical expenses.

types of health insurance policies are available, such as individual, family floater, health insurance for seniors, and critical illness insurance.

• Only individual or HUF taxpayers are eligible to request write-offs under Section 80D for medical insurance premiums paid for themselves, their spouse, dependent children, and parents.
• Other entities like companies or firms cannot claim this deduction.
• Section 80D permits deductions for a range of payments, such as expenses for preventive health check-ups, medical costs incurred by senior citizens not covered by health insurance plans, and contributions made towards notified schemes.

In conclusion, investing in health insurance is a wise decision to secure your financial future and reduce your tax liability.

Updated on 13 Dec 2025

Single parents have several responsibilities, from raising kids and managing finances to running the home, while also ensuring a secure future for their children. Beyond this, healthcare for both the parent and child requires consistent attention and planning. With rising medical costs, safeguarding their health has become more challenging than ever. A comprehensive health insurance plan can provide financial support and peace of mind, ensuring quality care without straining the budget.

In this post, we will discuss health insurance for single parents.

What are the benefits of health insurance for single parents?

Health insurance for single parents has the following major benefits:

1. Financial security: Health insurance offers financial protection by paying your medical bills and reducing stress for unexpected expenses.
2. Child coverage: It provides coverage for children's health and ensures access to necessary healthcare.
3. Tax savings: under Section 80A of the Income Tax Act, the money spent on health insurance for yourself and your family can be deducted from taxable income. This helps you pay less tax.
4. Peace of mind: helps you focus on the needs of your loved one without worrying about financial emergencies.

Factors to consider while getting health insurance for a single parent

Before choosing any health insurance plan, carefully analyse your expectations. Here are some factors to consider:

1. Coverage details: Select the plan that covers both parents and children for daycare procedures, hospitalisation and severe illness.
2. Sum insured: Check whether your plan provides enough coverage for medical expenses and ongoing treatment.
3. Look for addons: Look for additional features like critical illness, OPD benefits and preventive medical check-ups.
4. Network hospital. Choose the insurers who have a wide network of hospitals for cashless treatment.

How to choose the most suitable health insurance plan for single parents?

To choose the best health insurance plan for single parents, consider the following steps:

• Evaluate all health needs for both the parent and children, including existing illnesses or special needs.
• Compare the features, premium amount and sum insured across all different plans with clarity regarding exclusions and waiting periods.
• Choose a policy that provides complete coverage, including add-ons like critical illness.
• Ensure that a good claim process supports the policy.

If you need expert recommendations for choosing the right health insurance plan for single parents, fill out the form on this page. Our insurance advisor will offer personalised solutions according to your requirements.

Why do single parents need health insurance?

As a single parent, you may face many challenges as you are the sole provider for your family. Having single-parent health cover is necessary for numerous reasons. With this plan, you and your children can access healthcare services without worrying about the cost.

Regular check-ups, timely treatment and preventive care for illnesses and injuries can help keep your family healthy.

Furthermore, medical bills can quickly add up, and without health insurance, you may have to pay them out of pocket.  This can put a significant strain on your finances and make it difficult to provide for your family’s other needs. The fact that you and your children will get covered by health insurance can give you peace of mind. You can take care of your family’s needs without worrying about unexpected medical expenses.

Conclusion

A health insurance plan for single parents provides complete protection from medical emergencies. The right policy gives single parents the confidence and security to handle unexpected medical challenges while safeguarding their family's well-being. However, if you are also taking care of your parents, you can consider a family health insurance plan that covers all the members of your family.

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.

Updated on 13 Dec 2025

Managing Type 1 diabetes requires regular medicines, doctor visits and sometimes emergency care. All of this can be expensive, especially if it continues for many years.

This is why having a good health insurance plan with diabetes cover is very important. It not only helps in reducing financial stress but also ensures that you can access the right treatment when needed.

What is type 1 diabetes?

Type 1 diabetes is a medical problem where the body does not produce enough insulin. Insulin is a hormone that helps the body control blood sugar levels. Without insulin, sugar begins to accumulate in the blood, which can be harmful.

People with Type 1 diabetes generally need daily insulin injections or an insulin pump. They also need regular health check-ups, tests and monitoring.

Why should you opt for health insurance with diabetes cover?

Living with Type 1 diabetes means regular expenses on medicines, doctor consultations, blood tests and sometimes hospitalisation. A health insurance plan with diabetes cover helps you manage these costs. Instead of worrying about money, you can focus on the treatment.

Features of health insurance with diabetes cover

Health insurance plans that include diabetes cover usually come with:

• Coverage for hospitalisation related to diabetes complications.
• Pre- and post-hospitalisation expenses.
• Cover for regular check-ups and diagnostic tests.
• Cashless treatment at network hospitals.
• Option to add critical illness insurance coverage for serious health issues associated with diabetes.

Eligibility for health insurance with diabetes cover

Most health insurance companies in India offer diabetes coverage for individuals above a certain age, typically starting from 18 years. Some plans may have a waiting period before diabetes-related services are covered. This means you may need to wait for a few months or even a year after buying the policy before you can claim diabetes-related treatment. It is always better to buy a plan early, so you get covered sooner.

Exclusions under health insurance with diabetes cover

Although diabetes coverage is beneficial, it has some exclusions.

These may include:

• Pre-existing complications not disclosed when purchasing the policy.
• Costs of non-prescribed medicines or alternative therapies.
• Cosmetic treatments or unrelated health issues.
• Expenses beyond the sum insured.

Reading the policy document carefully before purchase is very important to avoid surprises later.

Benefits of type 1 diabetes health insurance

The biggest benefit is financial support. Diabetes is a lifelong condition, and treatment can be costly.

With medical insurance, you get:

• Relief from high hospital bills.
• Regular care and monitoring without financial strain.
• Access to better hospitals and treatment options.
• Long-term peace of mind for you and your family.

Conclusion

Type 1 diabetes requires constant care, and health insurance with diabetes cover can make the journey much easier. It reduces financial stress, supports proper treatment and offers peace of mind that assistance is always available.

While you focus on managing your health, let us guide you to the right health insurance plan for your needs. Fill out the form on this page to receive personalised advice and solutions for Type 1 diabetes health cover.

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.

Being a Non-Resident Indian or NRI comes with its own set of challenges, and taking care of your parents’ health when living abroad can be one of them. As your parents grow older, their medical needs may increase, and being away from them can make it difficult to ensure their well-being. This is where health insurance for NRI parents in India comes into play. It is a crucial step towards ensuring the health and financial security of your loved ones back home. 

Can NRIs Buy Health Insurance for their Parents Residing in India?

NRIs can obtain health insurance coverage for their family members residing in India, including their parents. Depending on their specific requirements, NRIs can choose from various options such as senior citizen health policies, family floater plans, and critical illness coverage. Additionally, NRIs can opt for a healthcare policy that covers both themselves and their parents in the event of medical expenses in India.

Health insurance providers typically confine their coverage to medical expenses incurred within India unless the policy specifies overseas coverage. However, travel insurance may cover medical expenses incurred overseas, but only in cases where the policyholder falls ill while on a trip. It is crucial to note that there is an exhaustive list of exclusions in travel insurance policies in terms of medical treatments.

Therefore, if an NRI residing in the United Kingdom requires medical treatment in that country, health insurance purchased from an Indian insurer will not cover the incurred expenses.

Benefits of Buying a Health Policy for NRI Parents in India

• Financial security:

Healthcare expenses can quickly add up, especially for critical illnesses or hospitalisation. With a healthcare policy, your parents can receive quality treatment without worrying about the monetary burden. The insurance policy will cover expenses related to hospitalisation, surgery, medicines, and other medical procedures, thereby providing financial security.

• Cashless treatment:

Most health policies provide cashless treatment facilities in one of the network hospitals. That means your parents can receive medical care without any upfront payment. This benefit is especially crucial in emergencies when there may not be enough time to arrange cash or insurance reimbursements.

• Coverage for pre-existing conditions:

Older adults are more likely to have pre-existing medical conditions, making it challenging to find a suitable healthcare policy. However, many insurance providers offer policies that cover pre-existing ailments following the completion of a waiting period. 

The incidence of diabetes has been increasing globally, with gestational diabetes being a significant concern. Gestational diabetes is a particular type of diabetes that develops during pregnancy and can pose a threat to the health of both the mother and the baby. In this post, we will discuss what gestational diabetes is, its coverage under health insurance, and gestational diabetes insurance coverage in India.

What is Gestational Diabetes?

This is a condition where an expectant mother’s body cannot produce adequate insulin. Inadequate insulin makes it difficult to regulate the increased demand for blood sugar during pregnancy. This leads to elevated blood sugar levels, which can be risky to the health of both the mom-to-be and the baby. Gestational diabetes usually develops during the second or third trimester of pregnancy and can cause complications such as premature birth, preeclampsia, and an increased risk of developing type 2 diabetes. However, with proper management and treatment, most women diagnosed with gestational diabetes can have healthy pregnancies and babies.

Does Health Insurance Cover Gestational Diabetes?

Yes, health insurance policies usually cover gestational diabetes under their maternity or pregnancy-related benefits. Gestational diabetes insurance coverage may include prenatal and postnatal care, delivery expenses, and any complications that arise during pregnancy, including gestational diabetes. However, the extent of gestational diabetes insurance coverage may differ based on the healthcare policy and the insurer.

It is important to check with the insurance provider about the specific coverage for gestational diabetes before purchasing the policy. You may also not receive coverage for pre-existing conditions under some medical insurance policies, and gestational diabetes may be considered a pre-existing condition in some cases. You must understand the plan’s terms, conditions, inclusions, limitations, and exclusions to ensure that it covers gestational diabetes and meets your specific needs.

Health Insurance for Diabetes Patients in India

In India, health insurance plans for diabetes patients are available with different coverage options and features. These plans aim to provide financial protection to individuals with diabetes and help them manage their healthcare expenses.

Individual health insurance is among India's most general categories of medical insurance plans. These plans cover an individual and provide benefits such as hospitalisation expenses, doctor consultations, and diagnostic tests. The gestational diabetes insurance coverage may vary from plan to plan, and choosing one that offers adequate coverage for diabetes-related expenditures is important.

Another category of medical insurance policy available is family health insurance. These plans cover the entire family, including the policyholder’s children, spouse, and parents. Such healthcare policies provide coverage for doctor consultations, hospitalisation expenses, diagnostic tests, and medication for all family members. Family health insurance plans may also cover diabetes-related expenses, but the extent of coverage may vary depending on the policy.

Some health insurance plans cover pre-existing ailments, including diabetes. However, the premium for these plans may be higher than regular healthcare policies. Understanding the policy’s terms and conditions before purchasing it is essential.  Do remember to check whether the plan chosen by you covers pre-existing conditions.

Usually, maternity insurance plans cover gestational diabetes. Such plans cover the medical expenses related to pregnancy, childbirth, and postnatal care. These plans provide financial protection to women during pregnancy and help manage the high costs of medical care associated with pregnancy and childbirth.

These policies typically cover expenses such as prenatal and postnatal consultations, diagnostic tests, and costs related to delivery and hospitalisation. Healthcare policies may vary in terms of the extent of coverage; it is important to choose a plan that offers adequate coverage for gestational diabetes-related expenses.

In addition, some medical insurance plans also cover expenses related to diabetes management. These expenses may include doctor consultations, diagnostic investigations, medication, and medical devices like insulin pumps and pens or continuous glucose monitoring systems and glucometers. Some plans may also cover expenses related to diabetes-related complications, such as kidney disease, eye damage, and nerve damage.

In conclusion, healthcare plans in India offer coverage for diabetes patients with various coverage options and features. It is important to compare the benefits and features of different gestational diabetes insurance coverage plans before choosing one that meets your specific needs. Remember to check whether the policy matches your particular requirements and read the policy documents to thoroughly understand the terms and conditions to ensure that it covers diabetes-related expenses.

To avail of health insurance coverage benefits, the policyholder typically pays a premium to the insurer. To get the best out of this contract, it is necessary to know the various features of a health insurance plan. One important feature of health insurance policies is the cumulative bonus. A cumulative bonus in health insurance incentivises policyholders to maintain a healthy lifestyle and avoid making claims during the policy term. By doing so, the policyholders reduce the risk of illnesses and help the insurance company to manage their costs effectively. It builds loyalty among policyholders and encourages them to renew their medical insurance plans with the same insurance company.

What is cumulative bonus in a mediclaim policy?

Let us start with understanding the cumulative bonus health insurance meaning. A cumulative bonus is a reward that health insurance companies offer to their policyholders for not making any claims during the tenure of the policy. It is an additional benefit that accumulates over the years, and the policyholder can avail of it at the time of renewal. The cumulative bonus is a percentage of the sum insured; it gets added to the policyholder’s sum insured without any additional cost.

How does cumulative bonus work in health insurance?

Cumulative bonus works as an incentive for policyholders who maintain a claim-free record. Each year without a claim results in an increase in the sum insured by a predefined percentage, usually ranging from 5% to 50% per year, depending on the insurer. However, if a claim is made, the accumulated bonus may be reduced or reset as per policy terms.

Types of cumulative bonus in health insurance plans

Following are the different types of cumulative bonuses in a health insurance policy:

1. No-claim bonus (NCB): The sum insured increases annually for each claim-free year, without a premium increase.
2. Discount on premium: Instead of increasing the sum insured, some insurers offer a discount on the renewal premium for every claim-free year.
3. Hybrid cumulative bonus: Some policies provide a combination of an increased sum insured and a discount on the premium.

Benefits of cumulative bonus in health insurance policy

The key benefits of a cumulative bonus in health insurance are:

1. Cost-effectiveness: One of the primary benefits of the cumulative bonus in health insurance is that it increases the sum insured without any extra cost.
2. Creates good financial sense: The cumulative bonus health insurance provides an incentive for the policyholder to develop habits that promote a healthy lifestyle and avoid raising claims. By not making any claims, the policyholder can accumulate the bonus and use it to increase his/her coverage. This encourages the policyholder to take preventive measures and reduce the risk of illnesses. The cumulative bonus provides additional coverage to the policyholder, which is useful in case of medical emergencies and unexpected illnesses.
3. Increases savings: The cumulative bonus in health insurance is a cost-saving tool as well. This is because, with a cumulative bonus, policyholders can increase their sum insured without paying an additional premium. This helps reduce the financial burden of healthcare expenses and provides peace of mind to the policyholder.
4. Builds trust: In addition to the cost-benefit, the cumulative bonus helps build loyalty and encourages policyholders to renew their policies with the same insurer. Renewing the healthcare plan with the same insurance provider becomes way more beneficial because of the cumulative bonus in health insurance.

Conclusion

A cumulative bonus is a valuable feature in health insurance plans, offering policyholders additional financial benefits over time. While purchasing a health insurance plan for family, it is essential to consider the cumulative bonus benefit for long-term security and better healthcare coverage. Although the terms no-claim bonus and cumulative bonus in a Mediclaim policy get used interchangeably, they are not the same. And understanding the distinction can help policyholders make informed decisions about their medical insurance policies.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Knowing the ins and outs of any health insurance can be challenging, especially when terms like co-pay and coinsurance come into play. These cost-sharing features are central to how most health insurance plans function, including family health insurance policies, which cover multiple members under a single plan. Knowing how co-pays and coinsurance work can help you make more informed decisions, budget effectively for healthcare and maximise the value of your insurance coverage.

What is co-pay in health insurance?

Copays refer to the fixed amount an individual must pay out of pocket for a covered healthcare service. However, the copay amounts may vary depending on the specific health insurance plan and the type of service received.

Copays are a cost-sharing mechanism between the individual and the insurance provider. This helps to make healthcare more affordable and accessible while also discouraging unnecessary claims. For example, a copay might discourage individuals from scheduling unnecessary doctor’s appointments or tests since they will have to pay a portion of the cost themselves.

What is co-insurance in health insurance?

Co-insurance is a cost-sharing mechanism between the individual and the insurance provider, similar to a copay.

However, while copays are a fixed amount, co-insurance is a percentage of the total cost of the healthcare service. The percentage of co-insurance required may vary depending on the specific health insurance plan.

Co-insurance typically applies after an individual has met his/her deductible, which is the amount the person must pay out of pocket before the insurance coverage kicks in.

Co-pay vs co-insurance: Key differences

While both co-pays and coinsurance require you to share the cost of care, they function quite differently:

Family health insurance plans often include both co-pays and coinsurance, depending on the types of services accessed. For families with young children or elderly members, where healthcare usage may be frequent, understanding these differences helps avoid surprises.

Do co-pay and coinsurance count toward out-of-pocket maximums?

Yes, both co-pays and coinsurance typically count toward your out-of-pocket maximum— the most you’ll have to pay for covered services in a plan year. Once you hit this limit, your health insurance should cover 100% of further eligible expenses.

Do all health insurance plans have co-pays and coinsurance?

Several health insurance plans include some form of co-pay or coinsurance, but the specifics vary by policy. Some may rely more heavily on co-pays, especially for standard services, while others may use coinsurance for a wider range of treatments.

Conclusion

Paying close attention to how co-pays and coinsurance are structured across the policy can make quite a major difference in managing costs and ensuring comprehensive coverage for all members. Always read your policy documents carefully and consult with a licensed advisor if you're not quite sure about your obligations.

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 your general physician or another certified medical professional for any questions regarding a medical condition. 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.

Personal accident insurance provides coverage for unexpected accidents and can offer peace of mind to those who worry about the financial consequences of an injury or death. However, not all accidents or incidents get covered under personal accident insurance. It is important to understand what contingencies are excluded from the policy to avoid any surprises in the event of an unfortunate occurrence.

Which Contingency Does Not Get Covered Under Personal Accident Insurance?

If the policyholder has a pre-existing medical issue before buying the policy, any accident related to that condition does not get covered under the plan. To get coverage for these you would need to buy a health insurance plan and go through the necessary waiting period.

If the policyholder is injured while participating in an activity that is unapproved or not covered under the policy or if he/she participates in any activity without the insurance company’s prior approval, the insurer will not provide any financial assistance.

Personal accident insurance does not cover injuries or death resulting from mental illness or emotional distress. That means if a policyholder suffers from depression, anxiety, or any other mental health condition and meets with an accident, the insurer will not provide any financial assistance.

Injuries sustained while participating in hazardous sports or activities such as bungee jumping, mountaineering, or skydiving do not get covered under personal accident insurance.

If the policyholder is involved in an incident classified as an act of war or terrorism, the insurance company will not provide any compensation for the resulting injuries or death.

Personal accident insurance does not cover any injuries that are self-inflicted, intentional, or caused by a policyholder’s negligence. This includes injuries resulting from the policyholder’s participation in illegal activities, such as drug abuse or alcoholism.

Personal accident insurance typically excludes coverage for injuries sustained while flying a private aircraft. That is because a private aircraft carries a higher risk of accidents due to the lack of safety regulations and oversight.

It is important to have clarity when it comes to understanding which contingency does not get covered under personal accident insurance. If you have any questions about your policy, be sure to contact your insurance provider for clarification and clear your doubts.

Healthcare costs are on the rise, and critical illnesses, such as cancer, paralysis, heart disease etc., are becoming increasingly common. Treating these critical illnesses requires prolonged medical intervention or involves a high cost to get quality health care or both. Such illnesses not only affect the individual but also significantly impact his/her family’s finances. Therefore, it is important to buy critical illness insurance for family members to ensure they receive adequate financial support during times of crisis.

What is critical illness insurance?

Critical illness refers to a severe and life-threatening medical condition that can have a significant impact on a patient’s health, lifestyle, and finances. Examples of critical illnesses include kidney failure, heart attack, cancer, stroke, and major organ transplant.

Critical illness insurance for the family provides financial coverage to the policyholder and his/her family against critical illnesses covered by the policy. This type of insurance pays a lump sum amount to the policyholder and the person’s family upon diagnosis, which one can use for medical expenses, loss of income, or any other expenditures that may arise due to the critical illness. It provides financial stability during a difficult time, allowing the person to focus on recovery without worrying about the economic burden of the illness.

Key features of critical illness insurance plans for family

When considering a critical illness health insurance plan for your family, it is essential to understand its distinctive features:

• Comprehensive Coverage: These plans cover a range of severe illnesses, ensuring that multiple family members are protected under a single policy. They can be used in addition to pre-existing health insurance for senior citizen to avoid any strain caused by sudden and severe health issues.
• Lump Sum Benefit: Upon diagnosis of a covered illness, the policyholder receives a one-time lump sum payment, providing immediate financial relief.
• Flexible Usage: The received amount can be utilised for various purposes, including medical treatments, rehabilitation or even daily household expenses.
• Affordable Premiums: Opting for a family plan often results in cost savings compared to individual policies for each member.
• Tax Benefits: Premiums paid towards critical illness insurance are eligible for tax deductions under Section 80D of the Income Tax Act, offering additional financial advantages.

Benefits of critical illness insurance plans

Some significant advantages of critical illness insurance for the family are listed below.

• Financial Security: Critical illness insurance provides financial security to the policyholder and the person’s family during medical emergencies resulting from such ailments. The policyholder can use the lump sum amount paid by the insurer to cover loss of income, medical expenses, or any other expenditures associated with the treatment.
• Coverage for Multiple Illnesses: Policies offering critical illness insurance provide coverage for a range of critical illnesses, such as stroke, cancer, kidney failure, and heart disease. The policyholder can choose a policy that covers the specific illnesses that he/she might have the risk of developing.
• Tax Benefits: Under the ITA or Income Tax Act, the premium you pay towards critical illness insurance becomes eligible for tax deductions.
• No Claim Bonus: If the policyholder refrains from making any claim during the policy period, he or she can receive a no-claim bonus. The insurer can offer this in the form of a higher sum insured or a reduced premium.
• Peace of Mind: Having critical illness insurance provides policyholders and their families peace of mind, knowing they will receive coverage financially in case of a critical illness.
• Quick Disbursal of Funds: Critical illness insurance pays a lump sum upfront to a policyholder, which the person can utilise for any expenses related to the illness.

Types of critical illnesses covered

Critical illness insurance covers a range of severe medical conditions, including:

• Cancer of specified severity
• First heart attack (of specified severity)
• Open-chest coronary artery bypass graft surgery
• Stroke resulting in permanent symptoms
• Permanent paralysis of limbs
• Kidney failure requiring regular dialysis
• Major organ/bone marrow transplant
• Open heart replacement or repair of heart valves

Factors to be considered while opting for critical illness insurance

While choosing a critical illness cover for the family, consider the following factors:

• Coverage: Choose a policy that covers the maximum number of critical illnesses and provides comprehensive coverage.
• Sum Insured: Buy critical illness insurance that offers an adequate sum insured to cover the medical expenses and other costs for the patient’s treatment.
• Premium: Compare the premium of different policies and go for one that extends the best coverage but at a reasonable premium.
• Waiting Period: Check the policy’s waiting period; pick one with a lesser waiting period.
• Claim Settlement Ratio: Check the company’s claim settlement ratio before investing in the policy. A higher claim settlement ratio shows the company is reliable and efficient in settling claims.
• Exclusions: Carefully read the policy documents to understand the exclusions and limitations. Choose a policy that has fewer exclusions and provides comprehensive coverage.
• Network Hospitals: Check the insurance provider’s list of network hospitals. Select a policy that covers a vast network of hospitals.

Conclusion

Before buying a critical illness health insurance plan, explore different insurance companies and their critical illness policies online. Make a comparison in terms of the coverage, premium, waiting period, and claim settlement ratio of different policies offered by various insurers. Make sure to opt for a policy that provides comprehensive coverage at a reasonably priced premium.

Filling out the application form with accurate details and providing all the required documents is necessary. Pay the premium online using Internet banking or your debit/credit card.

Critical illness cover for the family can provide peace of mind and financial support during a medical crisis. It is a valuable investment for those looking to safeguard their family members from unforeseen financial troubles.

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.

Cancer insurance coverage is a safety net that provides financial protection and support to those affected by the unpredictable and often expensive cancer treatment.

When a person is diagnosed with cancer, their world turns upside down. The physical and psychological toll can be overwhelming, and the last thing they need is to worry about the financial implications of cancer treatment. Cancer treatment insurance coverage can help alleviate this burden by providing coverage for medical and related expenses. With this coverage, patients can focus on their health and well-being during the cancer treatment journey without worrying about the associated costs. In this post, let’s discuss the advantages of cancer treatment insurance coverage and how it can be a valuable asset for anyone dealing with this challenging disease.

What is Cancer Insurance Coverage?

Cancer insurance coverage assures policyholders that they will not have to bear the financial burden of treatment alone, allowing them to focus on their health and well-being.

Suppose, Mr X, a 30-year-old family man, buys this medical coverage with Rs 15,00,000 sum insured. The policy period is 20 years. When X reaches the age of 40, he develops a cancerous tumour which is in its initial stage. Since he has insurance coverage, he will receive the sum insured amount as per the percentage specified in his policy. But at this point, the coverage amount reduces.

After the passage of a few years, the tumour reaches an acute stage, prompting the insurer to disburse the remaining sum insured, and the coverage ends. Notably, the payout from the policy is contingent upon the stage of cancer identified.

What Does Cancer Insurance cover?

Typically, cancer insurance covers the following:

• Overall comprehensive coverage
• Regular checkups
• Pre-hospitalisation charges
• Post-hospitalistion charges

While knowing about the coverage of a cancer policy, you should also understand what it doesn’t cover. Here are the details of what the policy doesn’t cover:

• Pre-existing ailments related to cancer
• Cancers due to sexually-transmitted diseases like AIDS, HIV
• Cancers that may have progressed due to congenital diseases
• Cancers that progress from overuse of drugs or alcohol
• Cancers that progress from different sources of pollution (chemical, biological sources, etc.)

Benefits of Cancer Treatment Insurance Coverage

Cancer treatment insurance coverage can be highly beneficial. It can cover the cost of medical treatment and related expenses. 

Here are the benefits of the coverage:

• Top-quality care: By investing in cancer treatment insurance, individuals can secure access to high-quality medical services, including cutting-edge technologies and top-notch medical practitioners.

• Reduced financial burden: Seeking insurance coverage for cancer treatment can be a strategic move as it can help alleviate the financial stress that accompanies medical care. Such coverage can mitigate or even eliminate the expenses that arise from cancer treatment, reducing the out-of-pocket burden on patients and their families.

• Coverage for all stages of cancer: Cancer treatment insurance can offer comprehensive coverage, spanning from the initial diagnosis to the follow-up care. With this coverage, policyholders can receive a lump sum payout allocated to different stages of cancer treatment, with a portion dedicated to the early-stage treatment and the remainder available for advanced-stage care.

• Flexibility: Having insurance coverage can offer the freedom to select the optimal treatment approach that aligns with individual requirements and personal preferences.

• Home care: With cancer treatment insurance, policyholders may be eligible for coverage of expenses related to in-home care, including services provided by nursing or personal care professionals.

• Coverage for transportation: Frequent visits to the doctor are often necessary during cancer treatment, which can result in significant expenses. If you have insurance coverage, it usually covers the transportation costs that arise from your cancer treatment.

• Dealing with mental health: The emotional impact of cancer can be challenging to manage. However, with cancer treatment insurance, one may obtain coverage for mental health services with lump sum payouts, such as counselling or therapy, to support their well-being during treatment.

Conclusion

A critical illness like cancer can cause a huge setback physically, emotionally, and financially. Having proper health insurance coverage can relieve a lot of burden. Hence, when choosing a cancer coverage policy, you should check the coverage in detail, including the inclusions and exclusions. Getting a good cancer treatment insurance policy is a great investment which will benefit you in distressing times.

Also Read:

• Insurance Plan With Cancer Coverage
• Cancer Health Insurance Policy
• What is the Waiting Period for Cancer Insurance?
• Critical Illnesses & Treatment Costs in India

Medical bills can be a significant expense for individuals and families, and the Indian government provides tax benefits through various provisions to help ease the financial burden. One such provision is Section 80D of the Income Tax Act, which allows people to claim deductions for health insurance premiums and preventive health check-up expenses. So, if you are wondering can medical bills be claimed under 80D, the simple answer is yes.

As you are now clear about the question of can medical bills be claimed under Section 80D, in this blog, we will discuss Section 80D in detail, including what it is, the deductions available, and the additional tax benefits of health insurance.

What is Section 80D?

The Income Tax Act’s Section 80D is a tax-saving provision in India that offers deductions on premiums paid towards health insurance policies, providing a valuable health insurance tax benefit. It aims to provide financial relief to individuals by reducing their taxable income and overall tax liability. Taxpayers can effectively reduce their taxable income by claiming deductions on health insurance premiums, further enhancing their health insurance tax benefit. This results in lower tax liability and a higher disposable income.

The main benefit of Section 80D deduction is that it encourages individuals to secure health insurance coverage for themselves and their family members. This incentivises individuals to prioritise health insurance for their family’s well-being and financial security. Another advantage of Section 80D is that it promotes preventive healthcare. Thus if you’re wondering can medical expenses be claimed under 80D, the answer is a resounding Yes. You can claim your medical bills for tax relief up to the prescribed limit.

What are the Deductions Under Section 80D?

The maximum deduction limit depends on the insured person's age and his/her parents' age, if applicable. Let us take a look at the deductions available under Section 80D:

• For individuals aged below 60: The maximum deduction limit is Rs 25,000 for premiums paid for self, spouse, and children. A deduction of Rs 25,000 is also allowed for premiums that you pay for your parents. Therefore, the total deduction limit for individuals below 60 years of age is Rs 50,000 (Rs 25,000 + Rs 25,000)
• For individuals aged more than 60: The maximum deduction limit is Rs 50,000 for premiums paid for self, children, and spouse. Additionally, you can avail of a deduction of Rs 50,000 for premiums paid for your parents. Therefore, the total deduction limit for individuals above 60 years of age is Rs 1,00,000 (Rs 50,000 + Rs 50,000)
• For HUF (Hindu Undivided Family): Up to ₹25,000 can be claimed for premiums paid for the HUF and its members (including spouses, children, and dependent relatives). If the insured individuals are senior citizens, this increases to ₹50,000.

It is important to know that these tax benefits are available if and only if you make the payments through bank transfer.

Amount of Deduction Available under Section 80D

The amount of deductions available under Section 80D depends on the age of persons for whom the policy is insured. The following section will give you a clear view of the deduction limit under this section for different people.

1. For Self, dependent children and spouse
Rs.25,000 if the age of all are below 60 years.
Rs.50,000 if children are below 25 and at least one member is above 60 years old.

2. For parents
Rs.25,000 if both of them are below 60 years.
Rs.50,000 if their age is above 60 years.

3. For self, spouse, dependent children and parents
Rs.50,000 if the parents are aged below 60.
Rs.75,000 if the parents are below 60 years of age.

4. For self, spouse, dependent children and parents
Rs.1,00,000 if the policyholder or the dependent spouse is above 60 years of age and the parents are senior citizens.

5. Members of a Hindu undivided family
Rs. 25000

6. Members of a Hindu undivided family
Rs.50000 if the members are aged above 60 years.

7. Deduction Towards Preventive Healthcare
Rs.5,000 for all ages.

Additional Tax Benefits of Health Insurance

Health insurance policies provide additional tax benefits under Section 80D.

• These benefits are in the form of deductions for preventive health check-up expenses. Taxpayers can claim tax deductions of up to Rs 5,000 for expenditures incurred on preventive health check-ups for themselves, their children and spouse, as well as their parents. Note that you can avail of these benefits even for cash payments. This is within the overall limit of the deduction available under Section 80D.
• The objective of undergoing preventive health check-ups is the early detection as well as prevention of ailments. The expenses incurred on such check-ups can be claimed as a deduction under Section 80D, helping taxpayers save on their tax liabilities.

Thus, Section 80D of the Income Tax Act offers significant tax benefits to individuals by reducing their taxable income through deductions on health insurance premiums. It promotes the importance of health insurance, encourages preventive healthcare, and provides financial relief to taxpayers. So plan your health and taxes judiciously to reap the optimum benefit.

Accidents in India occur frequently and can result in major financial burdens. Investing in an insurance plan, such as Personal Accident Insurance, is highly beneficial in mitigating the financial impact on the policyholder as well as his/her family. Coverage for personal accidents benefits both policyholders and their families. Personal accident insurance is crucial as it provides financial protection against accidental injuries, disability, and death. Some significant benefits of personal accident insurance are financial assistance for medical expenses, loss of income, and other related costs.

Advantages of Personal Accident Insurance

Some of the significant benefits of personal accident insurance are as follows.

• Financial protection against accidental injuries: One of the major benefits of purchasing personal accident insurance is the coverage it offers for medical expenses incurred due to accidental injuries, including hospitalisation, surgeries, and rehabilitation, helping policyholders cope with the financial burden of unexpected medical bills.
• Income replacement: Another significant benefit of purchasing personal accident insurance is that it offers coverage for loss of income or disability caused by accidental injuries, ensuring that policyholders can maintain their financial stability even if they are unable to work due to an accident.
• Accidental death benefit: Personal accident insurance provides a lump sum amount to the nominee in case of the policyholder’s accidental death, providing financial support to the family during a difficult time.
• Customisable coverage: Coverage for personal accident benefits can be customised to suit policyholders’ specific requirements, allowing them to choose the coverage amount and add-on benefits as per their preferences.

Features of a Personal Accident Insurance Policy

Some of the prime features of a personal accident insurance policy are:

• Coverage for accidental injuries and death:

  Personal accident insurance provides coverage for accidental injuries resulting from events such as road accidents, falls, burns, and drowning, as well as accidental death.

• Permanent total disability coverage:

  These policies offer coverage for a permanent total disability caused by accidental injuries, providing financial support to policyholders who are permanently disabled due to accidents.

• Temporary total disability coverage:

  Personal accident insurance provides coverage for temporary total disability, which refers to the inability to work for a temporary period due to accidental injuries. This ensures that policyholders can maintain their income during the recovery period.

• Education benefit:

  Some personal accident insurance policies offer an education benefit to the insured’s dependent children in case of the policyholder’s accidental death or permanent total disability, helping to cover their education expenses.

• Affordable premiums:

  Such policies in India typically have affordable premiums, making them accessible to individuals with varied needs and budgets.

The benefits of purchasing personal accident insurance include financial protection against accidental injuries, income replacement, and customisable coverage. The features of such policies include coverage for accidental injuries and death, permanent and temporary total disability coverage, and affordable premiums. Having personal accident insurance can give individuals peace of mind as well as financial security in times of need.

HR Maternity Leave Policy

• Maternity paid leave is available for up to 26 weeks, with 8 weeks of pre-natal leave.
• Employees with two or more children are entitled to 12 weeks of maternity leave, while adoption leave is also available for 12 weeks.
• Commissioning mothers who use their eggs to create an embryo implanted in another woman are also entitled to 12 weeks of leave.
• Maternity leave is fully paid, subject to eligibility criteria, and a medical bonus is provided.
• Employees must follow a formal maternity leave procedure to request maternity leave and benefits, and HR must approve any deviation from the policy.

Maternity Leave Challenges For Employers

• According to a report, a major concern for 95% of managers is how to find a replacement for an employee who announces her pregnancy. This challenge is even greater for managers who have employees in client-facing roles or work in a team and are not individual contributors.
• Companies are uncertain whether the employee will continue working for them after having a baby.
• The report also found that 88% of women feel managing uncertainty is a significant challenge without guidance and support from mentors, especially when there are health issues involved.
• Managers also face difficulties preparing for the employee's return and managing their workload.
• Insufficient support from organisations makes the reintegration process less smooth. While managers are open to providing flexible working hours, this can be a challenge without support from the organisation's policy.
• To prevent conflicts in the workplace, it is crucial for companies to anticipate and make arrangements for paid maternity leave. This can involve conducting a risk evaluation and creating unambiguous guidelines.
• Effective communication is equally crucial and can facilitate the determination of when an employee desires to resume their job. This encompasses flexible work requests and any phased reintegration schedules.

Employers that lack supportive maternity leave policies may face a considerable strain on resources, decreased productivity, difficulty retaining top talent, and uneven distribution of work.

Additionally, employers should also look into offering health insurance coverage with maternity coverage. While not mandatory, it is an additional benefit that can be of great help. 

Whether you are a first-time expectant mother or have experienced the joy of being a mom-to-be, there may be several questions regarding the Maternity Leave Policy and its rules.

You might have asked your friends and colleagues but didn’t find satisfactory answers, or their replies have left you more puzzled than before. If you’re back to square one, let us walk you through the benefits, the eligibility criteria, and more so that you can find proper answers to your queries.

We will also provide an example of how to write a letter to HR applying for maternity leave and whether you will receive a partial or full salary if you apply for maternity leave.

Maternity Benefit ACT 1961

The purpose of this benefit is to assist women in caring for their children. The ACT ensures job security for working women and applies to all establishments with ten or more employees. The ACT also covers government organisations and establishments employing women to perform acrobatics and equestrian exhibitions. The employer is liable to pay maternity benefits to the women employees. The ACT permits the combination of maternity leave with other forms of leave. In case of gross misconduct, the employer can dismiss the employee or deprive her of the benefit or bonus. But neglecting to adhere to the regulations outlined in the legislation can result in grave repercussions for employers.

Update on - 13 Nov 2025

When you purchase a health insurance policy, you may assume that the coverage starts immediately. However, this is not always the case. Most health insurance plans include a waiting period, which is the time you must wait before you can claim insurance benefits. Understanding how the waiting period works can help you make better decisions when choosing a plan and avoid surprises when you need to make a claim.

This article discusses what exactly the waiting period is, its common types and how it works.

What is a waiting period in health insurance?

The waiting period in health insurance refers to the duration an insured person must wait before being eligible for insurance benefits.  This period begins from the policy commencement date and varies between insurance companies. During this period, the insurance company will not cover certain medical conditions, treatments or expenses. Only after the waiting period is over can you file claims for those services.

The purpose of a waiting period is to help avoid unethical practices by policyholders. This includes purchasing a policy after being diagnosed with an illness and immediately making a claim. The waiting period helps prevent deceptive behaviour and ensures that insurance benefits are provided to only those who genuinely need them.

Types of waiting periods in health insurance plans

Here are the key points regarding the different waiting periods in health insurance policies:

Initial waiting period in health insurance:

This is essentially the phase after purchasing your healthcare plan, during which you cannot claim any benefits for hospitalisation, planned or emergency. The minimum initial waiting period in health insurance is usually at least 30 days. Some insurance providers offer zero waiting period health insurance as well.

Waiting period for pre-existing diseases:

This is a waiting period for those diagnosed with a specific pre-existing disease listed in the policy document. The insurer can impose a waiting period of up to 2 years.

Waiting period related to specific diseases:

Health insurance plans may encompass separate waiting periods for diverse ailments, which can vary from 1-2 years, according to the insurer’s policy. This waiting period applies to illnesses that require long-term care.

Waiting period for maternity benefit:

The period during which you cannot claim maternity benefits typically varies from 9 months to 6 years. The health insurance no waiting period may not be applicable here.

Waiting period for accidental hospitalisation

No waiting period applies in the case of immediate hospitalisation resulting from an unfortunate accident.

Waiting period for health check-ups

Insurers who offer complimentary health check-ups keep the waiting period to at least one year. It essentially means you can actively avail of this benefit only after completing the one-year waiting period in health insurance.

How does the waiting period work in health insurance?

Let’s say you buy a health insurance policy on 1st January. If there is a 30-day initial waiting period, you can’t claim for any hospitalisation (except for accidents) until 31st January. If your policy includes a 2-year waiting period for cataract surgery, and you need the surgery within that time, the insurance will not pay for it. Once the 2-year mark passes, you can file a claim for it.

Does health insurance allow you to reduce the waiting period?

Some insurers offer the option to reduce waiting periods by paying an extra premium. For example, you might be able to shorten the waiting period for pre-existing conditions from 4 years to 2 years. However, not all policies offer this benefit, so it's best to check the terms carefully before buying.

Important things to know about health insurance waiting periods

Here are some things to keep in mind before buying health insurance:

• A new illness during the waiting period is not a pre-existing disease: If you are diagnosed with a disease for the first time during the waiting period, it will not be considered a pre-existing condition. Once the waiting period for that illness is over, the policy will cover it.
  
  
• Co-payment options can help reduce waiting periods: Some senior citizen health insurance plans allow you to skip certain waiting periods by agreeing to a co-payment clause. This means you agree to pay a fixed percentage of the claim amount.
  
  
• Waiting periods can carry over when switching insurers: As per the IRDAI (Insurance Regulatory and Development Authority of India) guidelines, if you switch to a new insurer, the waiting period you already completed with your old insurer may be carried forward to the new policy. This is subject to conditions and the new insurer's approval.
  
  
• Be honest about your health history: If you hide any health conditions while buying a policy, your claims may be denied later, even after the waiting period.
  
  
• Don't let your policy lapse: If your policy expires and is not renewed with the grace period, the waiting period may start all over again with a new policy.

Conclusion

A waiting period in health insurance can affect when you can start using your coverage. Knowing the different types of waiting periods and how they work can help you avoid delays in getting financial support when you need it most. To ensure smooth and timely healthcare access, choose an individual health insurance plan that offers shorter waiting periods or flexible options.

FAQs

Does the waiting period apply every year?

No, the waiting period applies only once at the start of the policy. Once you complete it (and keep renewing the policy without any gap), you don’t have to serve it again for the same condition.

Do all policies have the same waiting periods?

No, waiting periods vary from one insurance company to another and can also differ across plans. That’s why it’s important to compare policies and read the terms carefully before buying.

Can I claim for pre-existing diseases after the waiting period is over?

Yes, once the specified waiting period for pre-existing conditions is over (usually 1 to 4 years), you can make claims for treatments related to those illnesses.

What happens if I fall sick during the waiting period?

If you fall sick during the initial waiting period, your claim may not be accepted unless it is due to an accident. However, if you are diagnosed with a new illness during this time, it won’t be counted as a pre-existing condition in the 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 your general physician or another certified medical professional for any questions regarding a medical condition. 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.