Health insurance
Insurance that pays your covered hospital bills, up to a yearly limit, in return for a premium.
Health insurance pays covered hospital bills so one illness doesn’t wipe out your savings. Start with our health insurance guide, which maps the basics, claims, top-ups and the rules on your side.
Questions people ask
What is health insurance in simple words?
You pay a yearly premium, and the insurer pays your covered hospital bills up to a limit called the sum insured. It turns a bill that could cost lakhs into a known yearly cost.
What is the difference between health insurance and mediclaim?
Mediclaim is a common name for a policy that pays hospital bills. Whatever the name, what matters is the policy wording: what it covers, its limits and its waiting periods.
Can an insurer refuse to renew my health policy because I claimed?
No. IRDAI's 2024 master circular says renewal can't be denied because you made a claim in earlier years.
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