Copay and coinsurance both share medical costs with insurers, but they work differently. In India, only copay applies, while coinsurance is a U.S. concept. Learn how each impacts your bills and which one makes healthcare more predictable.
Indemnity health insurance reimburses actual hospitalisation expenses, covering costs like room rent, surgeries, and medicines. Unlike fixed benefit plans, it pays for real bills, making it essential for comprehensive medical protection.
The grace period in health insurance is your buffer to renew (15 days for monthly EMIs, 30 days for other modes). It protects continuity benefits (NCB, waiting periods), but coverage differs by payment mode.
Out-of-pocket in medical billing refers to expenses you pay yourself, like deductibles, co-pays, and non-covered costs. This guide explains why these occur, how to manage them smartly, and what to look for in a health plan to reduce surprise medical bills.
Buying health insurance on EMI can help with cash flow, but it isn’t always cheaper. Learn the real costs, grace periods, claim-time deductions, and better alternatives before you decide.
Learn how health insurance for small business owners safeguards your personal finances and protects employees. Discover plans that offer tax benefits, build employee loyalty, and ensure long-term business stability.
Should you opt for multi-year health insurance plans? These policies offer 2–5 years of coverage with discounts, tax perks, and inflation protection – but they also limit flexibility. Learn whether it’s the right choice for you.
Manipal Cigna Health Insurance offers customizable plans like Sarvah, ProHealth Prime, Lifetime Health, and Prime Senior. With strong benefits such as unlimited restoration, high coverage, and fast claims, it’s a mid-tier insurer in India with a growing presence.
Student health insurance ensures peace of mind during your academic journey. From hospitalisation and accident cover to overseas medical support, explore how these plans protect students in India and abroad, and what to watch out for in 2025.
Not all individuals can avail of immediate medical treatments in hospitals or ICUs. This is where domiciliary hospitalization comes in, and helps you get treated within the confines of your home. However, it has its share of inclusions and exclusions that we will discuss in this guide.
Understand time limits for cashless and reimbursement health insurance claims in India. Learn IRDAI rules, insurer deadlines, and expert tips to avoid delays, rejections, or penalties. A complete guide to faster, hassle-free claim settlement in 2025.
Swavlamban Health Insurance was a government scheme for Persons with Disabilities, offering ₹2 lakh family cover. Though discontinued, PwDs can access alternative schemes like PMJAY, Niramaya, and PWD-specific private plans.
