How to Save Money on Health Insurance

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We all want the best for our health care, but none of us are interested to spend more of our hard-earned money on that. Generally, healthcare costs are expensive and majority of people have a tendency to spend more on their homes, families, on things they can enjoy. But, you can save some handsome amount of money on health insurance premium by following below mentioned steps:

Be healthier! If person has good standard of living, then he or she can pay much less than those who have bad habits like smoking, drinking etc. for Mediclaim policies. Follow a good diet, do exercises and avoid bad habits for a good lifestyle.

Insurance companies in India offer you online health insurance quotes based on your health status. If you really want to get affordable healthcare plan, then you must stay as healthy as possible.

Pre-existing health conditions increase the cost of Mediclaim policy. Due to healthy lifestyle, person may have far less pre-existing health issues. It means when you decide to buy a plan, work hard towards getting healthier by selecting a good lifestyle.

  • Preventive care is another important factor that helps you to reduce the insurance costs. If any medical treatment you really should have done, then don’t think too much and get it done as early as possible. If you avoid such expenses, then you’ll have to pay the enormous fees in case the problem grows.

  • Last but not the least, do research before finalizing the best health insurance that suits your needs and budget both. Get online quotes from different insurance companies in India and then take a decision. Provide all the relevant details to the insurer while generating quotes online. Careful analysis will help you to bring down the premium cost.

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Factors to Consider When Choosing a Health Insurance Plan

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Health insurance has become a key component of any preparation against any kind of medical emergency and considering the exponential rise in costs associated with the treatment of illnesses or NY surgery could drain out the life savings of the person. Choosing the right health insurance policy from a gamut of health insurance policies can be a daunting task. However, PolicyBoss can help you with the things to know before buying health insurance policy in India. Selecting a wrong health insurance plan for yourself can lead to disappointment. Choosing a health insurance plan that is best suited to you is a prerequisite for a secured future.

Seven Things to Consider Before Buying Health Insurance:

  1. Type of Plan and Provider Network:

It is imperative to note that in network medicinal and services costs are covered under the features of the plan, however for out-of-network services and medicines are not covered and they are not counted towards a plan’s out of pocket maximum. One needs to check whether health care provider and pharmacy near policyholders place is included in the plan’s network.

  1. Premiums:

Premium is the amount a policyholder would have to pay to the insurance provider for the sum assured whether or not he uses the pharmacy and medical services. One needs to note that there are also other costs associated with the coverage. Premiums can be paid in monthly, quarterly, half yearly or yearly mode. A default in the payment of premiums can put the policyholder at risk of losing health coverage.

  1. Specialists

If you have specific medical which need the services of specialists in the future, find out whether you will be able to use specialist and the procedure to be followed. Check to see if the specialist you are in contact with will be accepted.

  1. Pre Existing Conditions or Waiting Periods:

One needs to be extra careful when checking that whether the pre-existing diseases would be covered in the health insurance policy and if there are any waiting periods for these pre-existing diseases to be covered.

  1. Co-Pay or Co-Insurance:

Find out the deductibles you would have to pay before the health provider would pay for the costs. One needs to find what percentage of costs, a health care provider would pay if one needs to take services of doctor, hospital or an emergency room in hospitals which are out-of-network. Some of the health plans have lifetime limits on how much health insurance provider would pay or a yearly limit.

  1. Coverage of Medicines:

Every insurance company has a formulary or list of the medicines that are covered under the plan. If the medicines is not under the coverage of the policy then policyholder would have to take up a potentially lengthy process to take coverage. The list of the medicines are broken down in tiers which determines how much of co-pay or coinsurance one would have to pay. It’s better to compare your current medicines and to compare it with plan’s formulary and understand out of pocket expenses which could be associated with them.

  1. Exclusions:

One of the most ignored section but a crucial one for prospective policyholders, one needs to look carefully on the plan’s exclusion list to find out what is covered and what is left out and to check if any of conditions one is expected to have has been left out from the list.

Compare and choose the best health insurance plan online

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Learn Why Health Insurance Claims Get Denied

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All human beings are exposed to several health problems and thus, a person requires a health insurance policy to safeguard himself/herself and his/her family against unexpected medical emergency or bodily injury. These emergencies may put a huge financial burden on your pocket. Therefore, once you have taken a health insurance, it is difficult to ensure that your claim doesn’t get denied during a medical emergency.

Following are the premises on which an insurance firm can reject health claims:-

Delay in Intimation

During a medical emergency, immediately dial toll-free contact number provided by the insurer/agent/broker to expedite the claim settlement process. The insurance firm can refuse your claim in case of any delay in intimation.

Any costs that come under exclusions

The claim will get rejected if policyholder claims any expenses which come under exclusions. Moreover, any claim for diagnostic charges, hospitalization, investigation charges, which do not make sure about the illness or injury existence also might get refused by the insurance company. Expenses like fax, telephone, toiletries, food & beverages etc are generally excluded.

Diseases which are not listed under the policy

Read the documents carefully while purchasing the policy and make sure that you understand every detail related to the inclusions, exclusions, benefits, claim process and coverage. Clarify your all doubts about the health insurance plan and also declare pre-existing diseases, if any, while filling up the proposal form. If any disease is not listed under the policy, then your insurance firm might refuse your health claim.

Exhausted Sum Insured Limit

In case policyholder have already exhausted sum insured limit under his/her policy, then the company might refuse your claim.

All kinds of fraud, misrepresentation or non-disclosure

Make sure that you answer all questions correctly while filling up the proposal form as insurance is a contract of good trust requiring the customer to open all material facts. If buyer thinks any fact is material, then please mention it.

The insurance shall become voidable at the option of the insurer, in case of any incorrect or untrue statement, non-disclosure in proposal form, misrepresentation, declaration, personal statement or any other statement. If you withhold any material details, then the company might refuse your claim on that basis.

Maintain Regularity in Paper Work

Always submit all the essential documents along with original reports related to the policy to the insurance company. Ensure that medical bills have stamped and preferably numbered. Keep all the documents like a policy, claim form, bills, discharge card/certificate, receipt and medical prescription to be in proper sequence.

If the company finds any fraud intention during the procedure of claim settlement or investigation, then also company can deny your claim.

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The Best Time to Buy Health Insurance is Right Now

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In a World full of uncertainties one has to plan for the unplanned events like the medical emergencies, hospitalizations. People have become more aware of the health and mediclaim policies which is an encouraging sign. However many people are of the view that health insurance is best to be bought after a certain age and are of the belief that after 40 is a good age to think about taking up a health insurance policy. Many ponder as to what is the best age to buy health insurance or the best time to buy health insurance.

One more term to buy health insurance is ASAP (As Soon As Possible). Many of the people use their current good health as a parameter for their delaying decision to buy a health insurance. Even the ones who have purchased are apprehensive of their renewal of health insurance policy and delay their payment of premium till the last moment and many of the health policy fall in the lapsed state. The percentage of people who treat health insurance as an investment is less but is expected to grow as awareness about the benefits of health insurance is growing.

  1. Delay in Buying Health Insurance Can be Harmful:

Hoards of people realize the importance of health insurance only after they are besieged with a health issue or some kind of illness. This could be a result of ill health or prospective sudden realization about their bad health after they reach around 50 to 55 years of age and seeing the high cost. Insurance is a tool wherein the risk of the individual is transferred from the individual to insurance provider, therefore Insurance Companies weigh in the risk and then decide whether the person should be given insurance or not. In general insurance provider are hesistant to provide insurance to people above age of 55 due to the risks that are associated with old age. Therefore beyond a certain age the options for health insurance for the customer becomes limited and one then would have to buy from the limited prospects that are available to him.

  1. Benefits of Buying Health Insurance Early:

One of the benefits of buying health insurance early is that he/she would have to pay a lower premium as insurance premium is low when the policyholder takes the insurance at a young age. Also by taking health insurance early, the policyholder has equipped himself with financial shield against the prospective health related expenses and in case of any medical emergency.

Do not wait for any accident or condition to happen which forces you to look out desperately for health insurance. It’s better to be safe rather than sorry. Would you like to take a hasty decision or a well informed and thought out decision. People who have employer provided health insurance should definitely opt for an individual health insurance plan and look to directly establish connections with the health insurance company. Premiums offered by the group insurance cannot be changed as per the needs of the individual. Therefore for individual customized policy solution, one definitely needs to go for individual policy.

Key Features of a Good Health Insurance Plan:

A good health insurance plan would include the following features, kindly note that the list is not exhaustive.

  1. It is designed as per the needs of people and is uniform in its feature and doesn’t vary according to regions.

  2. It lists best facilities and services.

  3. Has a facility of lifelong renewal.

  4. Has a simple policy issuance procedure.

  5. Has the cashless hospitalization procedure.

  6. Empaneled hospitals and health service providers should have well qualified doctors.

  7. Should have clear terms and conditions which are stated clearly and in a simple manner for the policyholder to understand.

  8. Should be free of sub-limits in case of coverage offered.

  9. Medical expenses for Outpatient and inpatient services.

  10. Could also include treatment under Unani and Ayurveda and Homeopathy.

Buy Health Insurance Plan Right Now!

Health Insurance



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5 Steps to get a Better Car Insurance Deal

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Generally, two in five of car insurance policyholders think about changing a policy or an insurance service provider when policy renewal time arrives. You can easily save some handsome amount of money only if you compare online motor insurance quotes. Below are few simple steps to get a better deal on vehicle insurance online:

Look for the Best Cover, Not for the Low Cost

While comparing online quotes, people should be clear in mind that you are searching for the best plan and not just looking for the least expensive policy. Online comparison is the best way to get the best rate for the right plan that meets your needs. It shows which insurance products include extras. But, opt for the policy that gives high level of protection which you actually require.

Never Increase the Excess:

Growing your excess may make a car insurance policy affordable, but it can be risky. Hence, do not increase the excess to an amount insured would struggle to pay in the future.

Check Around Other Insurance Companies in India:

As not all insurance companies in India list their names on quotes comparison websites, so customers won’t be able to compare their products in single go. It can be worth getting a car insurance quote from their website directly.

Add Someone to the Plan:

Including an additional driver especially a more experienced one to your vehicle insurance policy can surely bring the coverage cost down. But, do not mention him as the main driving person in a plan.

Stay Away From Assumptions, Be Sure!

When a person is comparing online car insurance quotes offered by different insurance companies in India, he or she will definitely make some assumptions. But, it’s totally depending on you to make sure these assumptions are right. Carefully read the policy document so that you’re very much clear on what assumptions have been made.

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Benefits of Long Term Two Wheeler Insurance

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Are you one among the many motorists who love their bike but when it comes to renewing their two wheeler insurance policy they forget it more often than not. If this is true, Long Term Two-wheeler Insurance is the answer to your troubles.

It is a well-known fact in relation to two-wheelers that of the roughly 10 crore bikes and scooters in India over 67% of them are uninsured. Two wheelers are insured when they roll out of showrooms which can be attributed to the mandatory clause of buying insurance at the time of purchase of two-wheelers, however, it has been observed that most of the motorists don’t get their vehicle insured.

To address this issue of non-renewal of two wheeler insurance, Insurance Regulatory and Development Authority of India (IRDA) has introduced long-term two-wheeler insurance policies which have a tenure of three years. New India Assurance has been first of the general insurance companies to get off the blocks. It is expected that other two-wheeler insurance companies are expected to follow suit with their own offerings.

Long Term Bike Insurance is worth thinking as the advantages it offers like premium discounts and insulation from yearly increases in the third party (TP) far outweigh the disadvantages.

Benefits of Long Term Bike Insurance

  1. Convenience: Long-term two wheeler insurance provides insurance cover for three years which removes the need to renew the policy every year. In today’s hectic life with so many EMI to pay one can easily miss the deadline for two wheeler insurance. Long-term two wheeler insurance addresses this very issue.

  1. Avoiding Non-Renewal related Risks:

Lapsed policyholders are subject certain risks in case of non-renewal of policy or till the policy is restored by paying the premium. Any motorist whose two-wheeler insurance has lapsed would not be eligible for reimbursement in case of the vehicle being stolen or damaged. The motorists would then have to bear the entire financial loss himself/herself. This eventuality can be clearly avoided for three years with the purchase of Long term two wheeler insurance.

  1. Avoid Issues Related to Renewing a Lapsed Policy:

In event of two wheeler insurance policy getting lapsed the insurance company can insist on getting the vehicle checked all over again and they are within their rights on this demand. One can avoid this hassle by taking Long-term two wheeler insurance and be carefree for three years.

  1. Discount On Own Damage Premium:

Insurance companies have come forward on offering a discount on the own damage part of the premium of the policy. They are able to do so as they are able to save the costs associated with administrative and issuing costs.

  1. Premiums Are Frozen For Three Years:

Long-Term insurance for two-wheelers saves the motorists from the annual hike in the third party premium rates which are fixed by the Insurance Regulatory and Development Authority of India (IRDA), generally, 10 to 15% hike is done on an average. Also based on their own experience insurance companies can also raise their premiums for own damage from time to time. By taking a Long-Term insurance for two-wheelers motorists can avoid this situation.

  1. No Claim Bonus Advantage:

On parameter of No Claim Bonus (NCB) some of the insurance companies mention that Long-Term insurance for two-wheelers scores over one-year policy. According to industry experts, the NCB structure is different in case of renewal of a long-term policy and one-year policy.

NCB structure for ICICI Lombard

NCB Structure

Disadvantages of Long-Term Two Wheeler Insurance

Disadvantages of Long-Term Two Wheeler Insurance includes that the insured would not be able to take the advantage of the fluctuation in the premium price, if the premium goes down the insured would not be able to take advantage of this.

One also needs to compare the premium and the Insured Declared Value (IDV) of Long-Term Two Wheeler Insurance with that of one year policy. For the purpose of two-wheeler insurance claims IDV depreciates for the two wheeler as per the depreciation table that has been fixed by the IRDA for the regular One-Year policies which means that inn case of loss or damage to vehicle in the second or the third year policyholder would receive depreciated IDV of the bike and not on the IDV on which the premium for long term Two Wheeler Insurance was paid.

Let’s take an example if the IDV for one year old bike at start of the first year of a three year long term policy is Rs 50,000 then or the first year of policy IDV claim would be taken as Rs 50,000 but in the second year IDV would come down to Rs 45, 000 and in third if you could guess it would be Rs 40, 500.

Advantages Score over Disadvantages of Long Term Two-Wheeler Insurance

In Light of above mentioned disadvantages one might be compelled to think that it’s more of a disadvantage than advantage, however, the convenience of being able to pay premium for a period of 2-3 years at a instance thereby the reducing the paperwork and the task of remembering on time and the possibility of losing a No Claim Bonus (NCB) in event of even a single claim being raised during the year show the advantages having a clear upper hand over the disadvantages.

Buyers are thereby advised to study and also to compare the alternatives in respect of their individual circumstances and preferences.

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Zero Depreciation Cover in Car Insurance

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In the event your car gets involved in an accident, the costs towards repair and liability towards damages to the third-party vehicle could be significant. If you have Comprehensive Motor Insurance, it takes care of most of your expenses in the event of an accident. But it’s comprehensive insurance you say. So why only “most” expenses and not “all” expenses? Insurers factor in depreciation while settling your car insurance claim. This varies from one insurer to another from around 15 – 20% in the first year to a higher percentage in the subsequent years. So how does one secure oneself against depreciation and ensure out-of-pocket expenses are minimized in case of a car accident? This is where a Zero Depreciation Cover in Car Insurance comes in. As the term implies, Zero Depreciation Cover offers comprehensive coverage without taking depreciation into account. Therefore, in the event of a collision, the insurer will cover the entire cost if you have taken up a Zero Depreciation Cover.

I have Comprehensive Motor Insurance. Do I still need a Zero Depreciation Cover?

A Comprehensive Motor Insurance policy, like the term suggests, is comprehensive. But it does not take into account depreciation to your vehicle. Therefore, opting for a Zero Depreciation plan protects you from depreciation. While you will end up paying a higher amount as a premium, it will provide you the much-needed peace of mind in the event of an accident.

Why go for Depreciation Cover?

As discussed briefly above, depreciation cover secures you against depreciation costs excluded by insurers while settling your Car Insurance Claim. Plastic, fiber, glass, and metal parts depreciate over time. Hence attracting a depreciation to the value of the car.

Who should buy a zero depreciation cover in car insurance?

Now that we have discussed the need for depreciation cover, let us delve deeper into who should go for a Zero Depreciation cover :

  1. People who own a premium segment car, or a car that is valued over 10 lakhs
  2. New drivers or relatively inexperienced drivers are more likely to dent their vehicles. Hence it is recommended to go for Zero Depreciation cover in such cases.
  3. People driving the long distance to expose themselves to the risk of accidents and are generally at a higher risk.
  4. Cars whose spares, servicing, and repair is considered high and are generally more expensive

What are the Limitations of a Zero Depreciation Cover in car insurance :

  1. A Zero Depreciation Cover has a few limitations: i. Limits the number of claims you can make annually
  2. Applicable only to new cars – age limit of 3 – 5 years
  3. A premium load is higher for vehicles above 1500 cc iv. Not covered for commercial vehicles

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What is No Claim Bonus in Car Insurance?

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No Claim Bonus:

Are you a safe driver? What if you are told that you will be rewarded for having a safe pair of hands? A No Claim Bonus does just that! You can benefit from being a safe driver and not making a claim when you renew your insurance policy by taking advantage of a clause known as the No Claim Bonus. The clause has been designed to reward and encourage drivers to be safe on roads. If you have not claimed insurance for damages to your vehicle or to self in the preceding year, you are eligible for a No Claim Bonus the subsequent year. The greater the number of years where one hasn’t claimed insurance, the higher the discount offered. Will explain about this in further detail in the following paragraphs. A higher discount on account of “No Claims” makes your Car Insurance Policy more affordable.

The No Claim Bonus is a win-win mechanism for both the insurer and the insured. The insurer benefits from not having to pay during the period insured for. Some of that benefit gets passed on to the insured by way of a No Claim Bonus. With a No Claim Bonus, the insured has an indicative reference around what will be his/her premium amount the following year. For example, you own a hatchback car which is five years old. You haven’t claimed insurance in the preceding five years. In this case, you are eligible for a discount of 45% on the premium. While the discount available is fairly standardized across insurers, it is subject to review and change. Therefore, it is important to understand this aspect before finalizing on your policy purchase and the insurer from whom you purchase the policy. Generally, the discount slabs are as follows: 20% for the second year, 25% for the third year, 35% for the fourth year, 45% for the fifth year and 50% for the sixth year. The saving potential stands at a minimum of Rs.2,400 (at 20%) to a maximum of Rs.6,000 (at 50%) on a premium of Rs.12,000 for a car insurance plan. The No Claim Bonus can be carried forward provided the policy is renewed within 90 days of the expiry date. A No Claim Bonus is applicable only to the “own damage” part of the premium. This translates to 80% of the policy premium. The premium for third-party damage constitutes the remaining 20%.

Termination of No Claim Bonus:

Your No Claim Bonus stands invalid under the following primary conditions (besides others as specified by your insurer):

i. If you have made a claim during the preceding year, you cannot claim a No Claim Bonus in the current year. Similarly, you cannot claim a No Claim Bonus the subsequent year, if you have already claimed insurance in the current year.

ii. You cannot avail a No Claim Bonus for a lapsed policy. So it is important to ensure you renew your auto insurance plan within the stipulated time frame. In most instances, companies provide a 90 day window for auto insurance renewal of existing policy.

Tips for No Claim Bonus:

Here are a few suggestions you might want to consider while utilizing your No Claim Bonus:

  1. No Claim Bonus Transfer: A No Claim Bonus can be transferred from one vehicle to another provided the policyholder is the same. This is because the No Claims feature is linked to the insured and not the vehicle. However, please note that the vehicle type has to be the same. If you currently have two-wheeler insurance and you have purchased a new hatchback car, the No Claim Bonus you have earned for your two-wheeler cannot be availed for your new car.
  2. You can not only transfer your No Claim Bonus from vehicle to vehicle but from insurer to insurer. In order to transfer your No Claim Bonus discount from your old insurer to your new insurer, you will have to follow the procedures as listed by your current insurer.
  3. In some cases, it may be prudent not to claim insurance if the cost of repair is estimated to be lower than the No Claim Bonus discount you will be eligible for in the following year.
  4. Many insurers offer a No Claim Bonus exclusively for customers that purchase auto insurance online. Do background research if this is the case with the insurer you intend to purchase your auto policy from and also evaluate the discount slabs and premium outgo before you decide on your Car Insurance Policy. Compare wisely!

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The Impact of Inflation on Commercial Property Insurance

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From supply chain shortages to COVID-related shutdowns to worker shortages, 2021 brought the highest U.S. inflation rates of the past 40 years. Inflation is affecting everything from the price of that (former) “dollar pizza” to the value of used cars to raw building materials, making these trends particularly relevant to commercial insureds with building and business income coverages. 

The Impact

Commercial buildings are generally insured on a replacement cost basis which is the cost to replace the building with materials of similar kind and quality with no deduction for depreciation. The annual change in material costs between January 2021 and January 2022 is startling*: 

  • Lumber +15.6%
  • Plywood +47.0%
  • Commercial Steel +21.5%
  • Commercial Concrete +14.2%
  • Structural Steel +34.2%

One of the primary purposes of commercial insurance is to shift the exposure of financial loss to the insurance company, freeing up other funds for investment back into your business. While you can’t control inflation, you can take charge of your financial protection by analyzing your current building limit and ensuring that the limit is adequate to replace the building in the unfortunate event of a total loss. 

Being underinsured could result in a significant unanticipated capital outlay. Some commercial insurance policies also include coinsurance clauses requiring the building limit to be a minimum percentage (typically 80, 90 or 100%) of the full replacement cost value. If current inflation rates aren’t taken into account, the coinsurance penalty could also result in unanticipated capital outlay.**

How to Better Protect Your Commercial Property
Your independent insurance agent and insurance company will have valuation resources available to confirm the replacement cost of your building. Since property rates are applied to the building values per 100, you’re likely to see premium increases in 2022. A few mitigation actions to potentially offset these increases include higher deductibles, installing fire protection (i.e. sprinkler system, central station fire alarms) for possible rate credits, and self-insuring smaller structures. Meeting with your insurance agent is also a good opportunity to make sure that you are adequately covered for any building code ordinance or law requirements. 

Business Income coverage should also be reviewed in light of the current inflation rates. This important coverage keeps income flowing, retains key employees and retains customers. Inflation can affect sales, wages and the restoration time to repair your property. Additionally, there may be a coinsurance clause applicable. Your independent agent can help you evaluate these important exposures in order to set an adequate business income limit.*** 

A commercial property insurance policy helps you manage the many exposures to financial loss. Don’t let inflation minimize this protection. Be proactive and schedule a consultation with your agent to review your coverage and ensure that you’re adequately protected. 


About the Author
John Carroll is a Commercial Staff Underwriter in Central’s Southeast Regional Office. His responsibilities include commercial property underwriting and training. He has over 30 years of experience as a commercial lines underwriter and over 20 of them with Central. John is a graduate of Georgia State University and has earned his Chartered Property Casualty Underwriter (CPCU) designation.


*Per CoreLogic 1st Quarter 2022 U.S. National Building Cost Trends letter

**Central Insurance waives building coinsurance on most of our commercial property policies. 

**Central Insurance waives coinsurance on Business Income on most of our commercial property policies. 

The information above is of a general nature and your policy and coverages provided may differ from the examples provided. Please read your policy in its entirety to determine your actual coverage available.

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Life, Business, Auto, Health, Travel and Home Insurance

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We are passionate about the insurance industry. Our primary goal is to become your one-stop shop for everything insurance. We work with various insurance companies, agents, brokers, marketers, and blogs to ensure we serve you better. Whether you want to learn about aviation, auto, business, boat, disability, farm, health, home, life, travel, yoga, or plumbing insurance, we’ve got you covered. For inquiries, send us an email to mytopinsuranceblogs@gmail.com



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