health insurance
Tagged: health insurance
Cashless Everywhere: what the one-hour rule means when you are standing at the desk
IRDAI now requires cashless authorisation within one hour and discharge approval within three. Both are enforceable, and the cost of delay sits with the insurer. Here is how to use that.
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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.
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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.
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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.
SmartTech Insurance
Health insurance premiums lost 18% GST. What that actually saved you
Individual health insurance premiums became GST-exempt on 22 September 2025, removing 18% from every retail policy. The saving is real but not evenly distributed, and it changes the maths on raising your cover.