Health Insurance
Health Insurance
Mediclaim, family floater, top-up and critical illness cover.
Health Insurance3 min read
Room Rent Limits: the clause that quietly cuts your claim by 40%
A room rent cap does not just limit the room charge. It scales down every other line on the hospital bill in the same proportion - surgeon fees, ICU, investigations. Here is the arithmetic, worked through on a real bill.
SmartTech Insurance
Health Insurance5 min read
Porting your health policy: you keep the waiting periods you have already served
People stay in a policy that no longer fits because they believe switching restarts the clock. It does not. Waiting periods port with you. What actually destroys continuity is a renewal paid late.
SmartTech Insurance
Health Insurance3 min read
Pre-existing disease waiting periods dropped to three years. And the five-year rule that matters more
IRDAI cut the maximum pre-existing disease waiting period from four years to three, removed the age cap on buying cover, and lifted AYUSH sub-limits. The moratorium clause is the one nobody talks about.