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Learn what the policy period in health insurance means, how it affects your premium, and why choosing the right tenure,1,2, or 5 years, can save you money, reduce renewals, and protect against medical inflation. The guide includes examples, expert tips, and FAQs for 2025.
The Bhamashah Swasthya Bima Yojana has been replaced by a more comprehensive scheme called the Mukhyamantri Ayushman Arogya Yojana. So, how did BSBY perform when it was active in Rajasthan? This guide discusses the details of the programs, including its alternate schemes.
The Awaz Health Insurance Scheme offers free medical and accident coverage for migrant workers in Kerala. Learn about its benefits, eligibility, registration, and claim process, and explore better health cover options with Ditto.
Understand the GST on hospital room rent and beds in India. Ditto’s guide explains exemption limits, applicability rules, and how GST affects patients and hospitals.
Health insurance fraud in India threatens policyholders and insurers alike. Learn the types, penalties, prevention methods, and how IRDAI helps combat fraudulent claims.
The Insurance Ombudsman in India offers policyholders a free, impartial, and quick platform to resolve disputes with insurers. From claim delays to policy misrepresentation, here’s how you can file complaints and seek redressal through the CIO system.
Worried if dental treatment is covered in health insurance? Standard plans only cover disease or accident-related treatments. Coverage usually comes as outpatient procedures with an OPD rider, but many treatments and routine care are excluded. Learn what’s included, what’s not, and popular plans.
What is the key difference between top-up and super top-up plans in health insurance? Learn their key benefits and limitations in this guide and understand whether it's a right choice to add them to your base health insurance policy.
The Mukhyamantri Amrutum (MA) Yojana, now aligned with PMJAY, offers free cashless health coverage up to ₹10 lakh for vulnerable families in Gujarat. Learn about benefits, eligibility, and enrollment under this state-backed scheme.
Claim Settlement Ratio (CSR) in health insurance shows how reliably an insurer pays claims. Learn why CSR matters in health insurance, how to check it, which insurers lead in 2026, and what other factors you must consider before choosing the right health plan.
Commercial health insurance in India offers customizable health plans from private and public insurers. It covers hospitalization, surgeries, and more, bridging the gap left by government schemes like Ayushman Bharat. Here’s a complete guide to benefits, exclusions, and plan types.
A Fixed Benefit Policy in health insurance pays a predefined lump sum upon diagnosis of a covered illness or event, regardless of treatment cost. Unlike indemnity plans, it gives financial flexibility, quick relief, and is best used as a supplement to your base or comprehensive plan.
