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How Genetic Testing Could Change Health Insurance in the Future

Simran Sandilya, a 24-year-old software engineer from Delhi, is someone who focuses on maintaining a healthy lifestyle. She comes from a family where her father has high cholesterol and her mother has diabetes. Before deciding to purchase health insurance, she decides to get genetic testing done to know whether or not she is at high risk of getting any of the conditions. Sadly, her reports suggested that she is at some level of risk of getting diabetes in future. Though a little disheartened, she took a smart call and purchased a health insurance plan that was tailored to her needs and offers coverage for getting medicines, treatments, and check-ups for her condition. This helped Simran Sandilya look for a medical insurance plan that offers coverage for her specific needs, and the insurance company also benefited from deciding the premium accordingly. Genetic testing has gained wide popularity in India, and it is being used for accurate diagnosis of a person’s present and future health conditions, depending on their ancestral traits. But how can genetic testing impact the health insurance space? Do you need to be worried as a policy seeker/insured? To answer all your queries, we have prepared a little guide, so keep reading.

Health

How “Second Opinion” Services Are Becoming a Policy Add-On?

Shweta Mahajan, a 32-year-old software developer from Delhi, was recently admitted to a hospital when she complained of discomfort and a slight pain around the groin. While Shweta assumed it was a minor issue, to her utter shock, her doctor recommended a hernia surgery, that too, as early as possible. Shweta could easily cover the expenses under her medical insurance, yet she decided to seek a second opinion. Thanks to her wise decision of opting for the “second opinion” rider, she could consult surgeons both in India and abroad. Shweta saved herself from undergoing major surgery, as the other doctors advised against rushing into surgery. We all realise that medical insurance today is not just a luxury but a necessity. While most people agree on the importance of having medical insurance, many of us are still unsure and unaware about health insurance add-ons that can significantly enhance our policy coverage. Let’s talk about a rider that has been gaining wide popularity recently: Second Opinion.

Health

How Pollution Levels Are Shaping City-Based Premiums?

Did you know that 6 out of the 10 most polluted cities in the world are in India? Byrnihat, located on the borders of Assam and Meghalaya, is the world’s most polluted city, while the national capital, New Delhi, ranks second.¹ That's more than an alarming situation for residents. Apart from the negative health effects it has, rising air pollution can also affect health insurance premiums. Surprised? Yes, it's true. If approved, soon health insurance premiums will rise by 10-15% for people living in cities with hazardous air pollution.² The talks are still going on, and approval is awaited from the Insurance Regulatory and Development Authority of India (IRDAI). Once approved, this would be the first time in the history of health insurance that the air pollution level of a city will be a decisive factor for the insurance premium. This guide is all about air pollution in India and its impact on health insurance premiums. Read on to understand how air pollution may shape the future of health insurance.

Term

The Case for Term Insurance in Divorce Settlements

Divorce settlements can be demanding, both financially and emotionally. While you are busy handling your life and dealing with this drastic change, the last thing that might come to your mind is coverage under term insurance. Although we understand your challenges during such times, we urge you not to overlook term insurance in divorce settlements. Term insurance can be an integral part of divorce settlements, especially if children or ageing parents are involved. Ensuring the coverage under life insurance can protect the interests of divorcing parties in the most justified manner. If you are wondering what happens to your term insurance coverage in case of a divorce settlement, then keep reading to learn more.

Health

The Rise of Mental Health Coverage in India – What’s New?

Priya Sahani, a 32-year-old marketing executive in Bengaluru, got her health insurance through her employer. Last Sunday, she had her first anxiety attack, heart racing, mind numbing, without any idea what to do next. The next day, she decided to get a doctor's consultation. But then a sudden realisation hit her: she wondered if her health insurance covered her therapy sessions and consultations. Later, her insurer told her that mental health was a part of her insurance coverage. This came as a pleasant surprise for Priya. This story isn't just about Priya, but may be about many others. Having health insurance today, includes mental health coverage which can be a blessing in recent times. Though for a long time, mental health was treated as an “optional" addition to your health plans, things have now changed for good. Stay tuned and continue reading to unbox whether mental health coverage has really improved in insurance plans, how much coverage is appropriate, and much more.

Term

Why People in Creative Professions Need Special Term Coverage?

28-year-old freelance graphic designer, Akshita Jagdale, is from Mumbai. She enjoys the freedom of working that comes with being a freelancer, and thanks to her skills, she usually gets good gigs. However, for the past few months, Akshita has been facing hurdles in finding graphic design gigs due to the rise of Artificial Intelligence. Until a few years ago, Akshit rarely thought seriously about her future. But then the birth of her baby and her father’s parkinson’s diagnosis often got her worried. Being a single mom and the primary earner in the family, she worried, what would happen to her loved ones if her income stopped, or worse, if something happened to her. How would her mother, who was herself over 50, handle everything on her own! It was then that Akshita found the best way to be prepared for an unpredictable future. She opted for a term plan with decent coverage. The life insurance policy has brought a sense of financial safety and also allowed her to be less anxious.

Jio Insurance Broking Ltd

Jio Insurance Broking Limited
IRDAI License No: 347,
Direct Broker (Life & General),
Valid upto: 11/03/2028
(Renewable)

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