Health insurance

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What Is No Claim Bonus (NCB) in Health Insurance? A Complete Beginner’s Guide

Health insurance policies are no longer “lesser known” to people in India. However, various terminologies, clauses, and benefits of health insurance are still not widely known. You may have heard of NCB in motor insurance; however, NCB also exists in health insurance. The full form of NCB is no claim bonus. In health insurance, it is a reward given to policyholders for not raising any claim in a policy year. But did you know that less than 42% of existing health insurance owners know what NCB stands for? To ensure you get the maximum health insurance coverage at the most affordable rates, knowing about benefits like NCB is important. Read on to know all about NCB in health insurance.

Health

Reimbursement Claim in Health Insurance: Meaning, Process & Documents

Unexpected medical bills following an accident can leave you wondering how to get them reimbursed. This guide will walk you through the process of filing a refund claim with a solid health insurance plan. If you're in the hospital and told the facility isn't empanelled with your insurer, leaving you to claim via "Reimbursement,". In the event that a family member falls ill unexpectedly and you need to request a refund quickly, the initial panic will soon turn into clarity as you understand what documents are required, how to submit your claim, and when to do so. We'll clearly explain each step in a way that's easy to follow, helping you navigate the process with confidence. By the end of this guide, you’ll feel confident handling every part of the claims process and securing your benefits efficiently.

Health

What is OPD Full Form in Medical Terms?

Imagine this: You wake up one day with a sore throat and a cold. It is nothing serious, but you want to get it checked and treated immediately at a nearby clinic. Your doctor performs an initial diagnosis, prescribes medications, and you are free to head back home the same day. Health services that do not require hospitalisation, like these, come under the OPD in the medical world. Outpatient services in healthcare are a crucial department, and therefore, you must understand the OPD full form, what it means, what services typically come under it, and so on. Additionally, OPD plays an important role in choosing the right healthcare policy.

Health

How Much Health Insurance Do You Really Need in India? A Complete Guide

Health insurance has gained major popularity in India, especially after the threat of COVID-19. In the financial year 2023-24 alone, 2.68 crores health insurance policies were sold, which provided coverage to around 52 crores lives.¹ After the reforms of GST on health insurance premiums, the average sum insured coverage has also increased for health insurance from ₹13 lakhs to around ₹18 lakhs. The sum insured amount plays a crucial role in deciding the premium and also the scope of coverage for the health insured. So, it is vital to understand “how much health insurance do I need?” Read on as we have discussed the need for health insurance in India and what sum insured amount you should look for.

Health

How Age Impacts Your Health Insurance Premiums

When it comes to buying health insurance in India, one of the most critical factors that determine your health insurance premiums is your age. While most people focus on policy features like sum insured, coverage benefits, or hospital networks, few truly understand how significantly age influences the cost of health coverage. At Jio Insurance Broking, we believe that informed choices lead to better financial decisions—especially when it comes to your health. Let’s break down how age plays a key role in your health insurance premium and what you can do to optimize your cover, no matter what stage of life you’re in.

Health

Is Crohn’s Disease Covered by Health Insurance Plans in India?

Ajay, a 35-year-old banker, was often experiencing abdominal cramps, fatigue and mouth sores. At least for a year, doctors dismissed it as stress and gastroesophageal reflux disease (GERD). Worsening symptoms and blood in the stool lead to a diagnosis of Crohn’s disease, a lifelong and chronic inflammatory bowel disease. Considering the severity and prolonged treatment requirement, Ajay was concerned whether his standard health insurance would provide coverage for the treatment of Crohn’s disease. Like Ajay, every Crohn’s patient in India has the same worry. Limited awareness and delayed diagnosis are what make treating lifelong medical conditions like Crohn’s disease difficult. Diagnostic procedures, regular medications, nutritional therapy and sometimes surgery make health insurance an important requirement for Crohn’s patients. Let us explore how Indian health insurance policies provide cover for Crohn’s disease.

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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