Health Insurance

Medical History Form in Health Insurance: What You Need to Know

A medical history form records past illnesses, treatments, medications, allergies, and lifestyle details. It helps doctors plan treatment and insurers assess risk during policy approval. Accurate and complete information reduces errors and ensures proper documentation for healthcare and insurance use.

31 Mar 2026

Health Insurance

What is a Health Declaration Form?

A health declaration form captures details about medical history, lifestyle habits, and current conditions. Insurers use it to assess risk, calculate premiums, and define policy terms. Accurate information helps avoid claim issues and ensures transparency in policy issuance.

28 Mar 2026

Health Insurance

Can NRIs Buy Health Insurance in India?

NRIs can buy health insurance in India for themselves or family members. Policies cover treatment in India and require documentation, eligibility checks, and premium payments through authorised accounts. Terms include waiting periods, co-payments, and renewal conditions.

25 Mar 2026

Health Insurance

What is Pre Authorisation in Medical Billing?

Pre-authorisation is a verification step where insurers review treatment details before hospitalisation to confirm eligibility and coverage. It helps manage billing accuracy, assess medical necessity, and clarify potential expenses, enabling smoother claim handling and better financial planning during planned medical care.

09 Mar 2026

Health Insurance

Claim Repudiated vs Claim Rejected in Health Insurance

Claim rejection happens due to eligibility gaps or incomplete documentation, while repudiation results from policy breaches or non-disclosure found during investigation. Knowing the difference helps policyholders avoid errors, maintain accurate disclosures, and follow correct procedures when filing and managing health insurance claims.

07 Mar 2026

Health Insurance

Medical Inflation in India: Current Rate, Causes & Impacts

Medical inflation refers to the steady rise in healthcare costs driven by technology, chronic diseases, and ageing populations. It increases hospital expenses, insurance premiums, and out-of-pocket spending, making financial planning and adequate health coverage essential for managing long-term healthcare needs.

05 Mar 2026

Health Insurance

Health Insurance Frauds: How to Stay Safe

Health insurance fraud involves false claims, misrepresentation, or billing manipulation by various parties. Recognising warning signs, verifying documents, and understanding policy details help policyholders avoid financial risks, prevent claim issues, and maintain secure and transparent insurance usage.

03 Mar 2026

Health Insurance

Health Insurance Riders: Types, Benefits & How They Work

Health insurance riders are add-ons that extend coverage beyond the base policy by including benefits such as critical illness protection, maternity expenses, or outpatient care. They help customise coverage, manage specific risks, and provide additional financial support based on individual needs.

01 Mar 2026

Health Insurance

Moratorium Period in Health Insurance

The moratorium period defines how long a health policy must stay continuous before insurers cannot question certain claims related to past non-disclosures. It explains timelines, renewal importance, regulatory updates, and its influence on coverage certainty.

27 Feb 2026

Health Insurance

What is Claim Adjudication in Health Insurance?

Claim adjudication is the step where insurers evaluate medical claims against policy terms, documents, and coverage conditions. It outlines how claims are reviewed, verified, approved, partially settled, or declined, ensuring consistent and structured claim assessment.

25 Feb 2026