Health insurance

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Riders vs. Add-On Covers in Health Insurance: The Smart Buyer’s Guide to Better Protection

When you buy health insurance, you're not just investing in a policy—you're investing in peace of mind. But what happens when your base plan doesn't cover everything you need? That's where riders and add-on covers come into play. Both options enhance your health insurance coverage, but they do so in different ways. Let's delve into the distinctions to help you make informed decisions.

Health

Don’t Just Renew—Review! 5 Things You Must Know Before Renewing Your Health Insurance

Renewing your health insurance isn't just a routine task—it's a critical step in ensuring continuous protection against unforeseen medical expenses. Whether you're with a public sector insurer or a private provider, understanding the nuances of health insurance renewal can save you from potential pitfalls and enhance your coverage. Here are five essential facts to consider:

Health

Comparing the Best Family Health Insurance Plans in India

In a country where medical inflation is rising at nearly double the rate of general inflation, protecting your family with a comprehensive health insurance policy is not a luxury—it’s a necessity. Whether it's your parents, spouse, or children, a single medical emergency can derail your savings. That's where family health insurance plans come in. But with so many plans available in the market, choosing the right one can be overwhelming. In this blog, we simplify the process by comparing the best family health insurance plans in India, helping you make an informed and confident decision—with insights from Jio Insurance Broking, your trusted partner in risk protection.

Health

Are Accidental Injuries Covered Under Health Insurance in India

Accidents don’t knock before entering your life. Whether it's a minor slip or a major road mishap, medical emergencies caused by accidents can lead to sudden, hefty expenses. Fortunately, most health insurance in India offers coverage for accidental injuries — but there are important caveats and conditions you need to know. In this blog, we break down what accidental injury coverage really means under health insurance and how Jio Insurance Broking can help you make the right choices to stay protected.

Health

Can You Buy Health Insurance Without a Medical Check-up?

When it comes to buying health insurance in India, one common concern that holds many people back is the medical check-up requirement. The idea of going through medical tests, waiting for results, and possibly facing rejection based on health conditions can feel overwhelming. But what if you could get medical insurance without a health check-up? Is it even possible? Let’s explore the evolving landscape of health insurance and understand how platforms like Jio Insurance Broking are making access to medical insurance more convenient and customer-friendly—sometimes even without a medical exam.

Health

Claim Settlement Ratio vs. Incurred Claim Ratio: Which Metric Matters More?

Having health insurance is not enough; choosing the right insurance is what matters. Take the case of Raj, whose mother was hospitalised for a heart surgery. He was relieved, thinking that at least the health insurance he had purchased would take care of the hospital bills. Soon, his relief turned into anxiety when he faced documentation hassles, a delay in settlement and only a partial amount was settled at the end. That is when he realised the importance of choosing the right health insurance policy. The service quality varies from one insurance company to another. With thorough research and looking at a few details like claims ratios and other factors, you can evaluate the track record of the health insurance provider. When it comes to claim ratios, the claim settlement ratio as well as the incurred claim ratio are the two important metrics that give important insights for evaluation. Let us explore both the ratios, differences in them and which metrics matter the most.

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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1^st Floor, Building - 4NA, Maker Maxity, Bandra Kurla Complex, Bandra East, Mumbai, Maharashtra - 400051

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