Risk pooling in health insurance spreads medical costs across many people, ensuring affordable premiums and financial protection. Learn how it works, its benefits, and why it’s crucial for a fair, sustainable insurance system.
Government health insurance schemes like PM-JAY, CGHS, ESIS, and ECHS provide essential financial protection for millions of Indians. Here’s a complete guide to benefits, eligibility, and why you may still need private health insurance.
Even top insurers deny claims due to waiting periods, exclusions, or missing paperwork. Learn the most common reasons why health insurance claims get rejected in India - and how you can avoid being caught off guard.
The waiting period in maternity insurance is the time you must wait before claiming expenses related to pregnancy and childbirth. It usually ranges from 9 months to 4 years. Understanding this clause helps you plan ahead and choose the right policy for your family.
At Ditto, we guide you in choosing health insurance that covers essential physiotherapy—whether post-hospitalization or through OPD riders. Understand what’s included, what’s excluded, and compare plans in India for 2025 to make confident, cost-effective decisions.
United India Insurance, a government-owned PSU established in 1938, is one of India’s oldest general insurers. It boasts a solid 94% average claim settlement ratio but faces severe financial strain, with a –0.65 solvency ratio in 2025, well below the regulatory requirement.
Managing chronic illnesses like diabetes, hypertension, or heart disease can be expensive. This guide explores the best health insurance for chronic diseases in India, key coverage details, exclusions, and expert tips to help you pick the right plan.
A denied health insurance claim isn’t the end. Learn why insurers reject claims, how to appeal effectively, and escalation steps via IRDAI & Ombudsman to get the payout you deserve.
Curious about copayment in health insurance? This guide explains what it means, types of copayment and key factors that influence it. We’ll also explore whether you can avoid co payment with waiver options, and highlight the best health insurance plans in 2025 that come with no mandatory co payment.
Health insurance for preventive care covers annual check-ups, vaccines, and wellness benefits that help detect risks early. This guide explains how it works, compares top plans, premiums, and benefits, and shares Ditto’s take on whether preventive care is worth choosing as in-built or add-on.
Kotak Health Insurance has a 3-year average Claim Settlement Ratio of 91%. While consistent, it falls short of leaders like HDFC ERGO and Aditya Birla. Here’s how Kotak compares, plus Ditto’s take on whether it’s the right fit for you.
Smokers in India can get health insurance just like non-smokers. While smoking itself doesn’t usually increase premiums, failing to disclose it can lead to claim rejection. This guide explains how smoking affects premiums, disclosures, and claims.
