Health Insurance Online

In 2024, IRDAI and the General Insurance Council launched the Cashless Everywhere initiative, a landmark change for health insurance in India. It ensures that policyholders can now avail of cashless treatment at nearly any hospital nationwide—even outside their insurer's network—provided eligibility criteria are met.   What Is Cashless Everywhere? Traditionally, cashless claims were restricted to network hospitals tied to your insurer. If admitted elsewhere, you'd pay upfront and later claim reimbursement. The new policy eliminates this: ●        Planned admissions : Notify your insurer ≥ 48 hours before admission. ●        Emergencies : Inform within 48 hours post-admission. ●        Any hospital with at least 15 beds and government registration may offer cashless claims. This simplifies the process—no more scrambling for a network hospital during a crisis. IRDAI’s Time-Bo...

Choosing the right Senior Citizen Health Plans is essential in today’s healthcare environment. For elderly policyholders, rising medical costs and pre-existing conditions make careful evaluation critical. Here's a detailed guide on top plans from respected insurance companies , along with what to check before your purchase. Why Senior Citizen Health Plans Matter As health risks increase with age, so do financial exposures. Private Senior Citizen Health Plans, offered by reputable insurance companies, fill vital gaps—offering coverage for hospitalization, critical illnesses, pre- and post-hospitalization care, and often wellness and mental health benefits. Meanwhile, government-backed Ayushman Bharat PM‑JAY provides ₹5 lakh of annual cover for citizens aged 70+, regardless of income. Still, private plans offer broader features like outpatient treatment, restoration benefits, and loyalty bonuses. Top Senior Plans in 2025 (From Trusted Insurers) These plans consistently ran...