Health insurance

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An elderly man and young woman listen to a smiling doctor in a healthcare setting.

What is Deductible in Health Insurance? Meaning & Examples

Naveen was shocked to count the monthly expenses of groceries and other daily items after his supermarket haul. And why not? When your salary increases only once a year, by an insignificant margin, and inflation remains consistent, it is obvious that it hits you hard. Though he noticed a striking rise in prices of vegetables, fruits and other commodities, it did not cross his mind that his investments and savings might also be struggling from the same cause. It was only after a serious discussion with his colleague did he realised that, no matter how diligently you save and wisely invest, an attractive and well-allocated portfolio might lose its sheen once inflation is factored in. Since inflation comes through the back door like hidden costs or taxation, it may not be evident, but its impact is steady and unwavering on your investment plans and long-term returns. If you genuinely want to create long-term wealth, “wake up and smell the coffee” before it is too late. Read on to find out how to stay ahead of your time.

Health

Pre-Existing Diseases and Health Insurance: What to Expect?

Raji, a 48-year-old, finally decided to purchase a comprehensive health insurance policy for herself. Being diabetic for the last few years, she was relieved as she would be covered completely for all her healthcare needs. Soon, her relief turned to disappointment when the insurance company informed her that diabetes would not be covered for the next three years, till the completion of the waiting period. Like Raji, many health insurance buyers have not properly understood the meaning of ‘pre-existing illness’ in the health insurance policy, which led to her confusion. If you are also planning to buy health insurance, ensure to understand the important clauses of your health insurance policy such as pre-existing illness, waiting period, etc. to avoid the hassles when you have to make a claim. In this article, let us learn about pre-existing conditions, waiting period, and how they all affect your health insurance coverage.

Health

Individual Health Insurance vs Family Floater: Which Is Better?

Imagine waking up one morning and finding out that your family's health in the future is not certain. Getting the right health insurance is just as important these days as locking your front door. Many people aren't sure whether they want personalised service or a plan that covers more things. This choice could have an impact on all of your business plans and your peace of mind. Knowing what your choices are is a key part of ensuring your long-term health. Let's say you're drinking your morning coffee and discussing your plans. The subject automatically turns to the pros and cons of having individual health insurance versus a plan that covers the whole family. You could compare the customised security to the more general coverage. In this fascinating conversation, every little thing counts, and each part of the policies can affect your final choice, making it both personal and vital.

Health

Step-by-Step Guide to Buying the Right Health Insurance Policy for Your Newborn in India

Welcoming a baby into the world is a life-changing event filled with joy and new responsibilities. Amidst the flurry of diaper changes and sleepless nights, newborn health insurance often slips down the priority list. However, as many new parents discover, neonatal care and unexpected medical complications can lead to substantial hospital bills. Ensuring your child is covered from the very beginning is the most prudent financial decision you can make as a parent. This guide walks you through everything you need to know about newborn health insurance, from coverage benefits to choosing the right plan.

Health

Top-Rated Health Insurance Policies for Senior Citizens in India

As age, health, and financial stability often become more uncertain, medical expenses can place additional pressure on savings. In India, where healthcare costs continue to rise, even a short hospital stay can significantly deplete retirement savings, particularly for senior citizens on fixed incomes. This makes health insurance for senior citizens both helpful and essential for financial protection. At Jio Insurance Broking, we believe that access to quality healthcare should also bring peace of mind. By comparing plans from leading insurers in India, we help you choose health insurance solutions tailored for individuals aged 60 and above. Let's take a closer look at what makes a reliable policy and explore some of the top-rated health insurance options for senior citizens.

Health

Why Parents Need a Dedicated Health Insurance Plan

Think about the times your parents put your needs above their own. Sacrificing sleep when you were sick, working extra hours to secure your future, ensuring you had the best opportunities, and so much more. But one day, they fall sick, and the roles shift. A simple illness turns into hospital visits, hefty bills, and constant medical tests. You realise that age is catching up. What’s worse? You are not financially prepared. This is where a dedicated health insurance plan for parents becomes a necessity. As they grow older, their medical needs increase. Alongside this, with medical expenses increasing, relying solely on savings may not be the best course of action. That said, let’s take a look at why you need to invest in a parents health insurance plan!

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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