Health insurance

Over the last few years, there has been a steady increase in people realising the importance of health insurance. Today, buying a health insurance policy is a simple and straightforward process. It does not take more than a few minutes; however, there are still certain elements of a health plan that you may be unsure about.

One such term that most policyholders lack clarity about is the moratorium period. Health insurance seekers as well as holders should make an effort to understand the moratorium period meaning in health insurance. This is because the moratorium period is like a safety feature offered to a policyholder. It helps them avoid having an insurance company deny their claims.

So, to know what is moratorium period in health insurance, read on.

A few weeks ago, when Sunita Mishra was admitted to a network hospital, she opted for cashless claim settlement. At the hospital desk, she was informed that her claims had been duly settled with the help of TPA. Sunita, like many of us, wasn’t aware what is TPA and wondered what role it played in claim settlement.

TPAs are Third Party Administrators: An independent body responsible for processing medical insurance policy claims. But that’s not all you need to know about a TPA in medical insurance. You must understand how they function, their roles, and the advantages of having a reliable TPA.

When Delhi-based Ritvik Shah decided to port his mother’s health plan to a different insurer due to delays in claim settlement, he failed to understand the new policy's coverage. When his mother was admitted to a hospital, the insurance company rejected the claim, stating that it was for a pre-existing disease that was not disclosed earlier.

This is not the case with Ritvik alone; many policyholders port to a different plan by evaluating all aspects. While health insurance portability is a great feature, it also raises some concerns. If you are planning to port your health plan, you must first understand the advantages and disadvantages of the step.

In an age where healthcare costs in India are rising faster than inflation, choosing the right health insurance coverage isn’t just wise—it’s essential. A medical emergency can strike anyone, anytime, and it doesn't come with a warning. Without the right coverage, the financial impact can be overwhelming.

But how do you decide how much coverage is “enough”? ₹5 lakh? ₹10 lakh? Or even more?

Let’s break down the key factors that can help you determine the ideal health insurance coverage for you and your family, with smart insights from Jio Insurance Broking—your trusted partner in smart insurance decisions.

Growing digitisation has impacted almost every sector of the economy, including the health insurance industry. Unlike earlier, now, people can easily purchase their preferred health insurance online. You no longer have to dedicate hours and efforts to look for and purchase a health insurance plan. Over the years, the online purchase of health insurance has grown substantially

When health emergencies strike, the last thing you want to worry about is the reimbursement process of your health insurance claim. While cashless treatments are more popular today, reimbursement claims are still vital—especially when getting treated at non-network hospitals or in emergencies. At Jio Insurance Broking, we believe that the true value of a good health insurance policy lies in how easily it supports you in tough times.

In this blog, we break down the health insurance reimbursement claim process into simple, actionable steps, so you can navigate it with confidence.