Your Health Sheild

The moratorium period is the waiting period imposed by the insurance company in health policy after which insurer cannot reject a claim. If insured does do not claim for period of 5 years; insurance cannot denied any claim on the grounds of non-disclosure, or misrepresentation. Insurers have to establish a case of fraud to reject … Read more

Introduction As we age, our healthcare needs increase, making health insurance for senior citizens in India a crucial aspect of financial and medical security. With rising medical costs and higher risks of health conditions, having the right insurance plan ensures access to quality healthcare without the burden of excessive expenses. In this guide, we will … Read more

Ever increasing medical treatment bills it become important to have health insurance policy. Insurance companies have always incentive health policies with certain benefits such as No claim bonus or cumulative bonus and restoration of sum insured. No claim bonus In health insurance policy every claim free year or no claim during one year; insurance company … Read more

Introduction Health insurance is an essential financial tool that safeguards individuals against unexpected medical expenses. However, policyholders may find themselves dissatisfied with their current insurance provider due to reasons such as poor service, inadequate coverage, or high premiums. In such cases, portability in health insurance allows individuals to switch to a better insurance plan without … Read more

Room Rent Limits: An Overview During hospitalization for medical treatment which can be emergency or planned; hospital will charges its patient in accordance to hospital rooms and other medical treatment charges. This charge in health insurance parlance is called room rent charges. It is very important to understand the implication of room rent limits in … Read more

Pre-existing Disease A pre-existing disease, in the context of health insurance, refers to any condition, ailment, injury, or disease that an individual has been diagnosed with by a physician within 48 months prior to the effective date of the insurance policy issued by the insurer. It also includes conditions for which medical advice or treatment … Read more

What is hospital? Hospital is an institution established for medical treatment and Day Care Treatment of Illness and / or Injuries and which has been registered as a Hospital with the local authority and complies with all minimum criteria as under: What is hospitalization? A insured person getting admitted in a Hospital for a minimum … Read more