Health Insurance: In view of the increasing diseases nowadays, it has become very important to take health insurance. After the Corona epidemic, the number of people taking health insurance has increased rapidly. To avoid expensive treatment, people are taking health insurance by paying expensive premiums. At the same time, companies are also making the premium expensive year after year. Despite this, many people are not getting claims. According to a report, almost one in every 12 health insurance claims was rejected in FY25.

What does the data tell?

According to a data, in 2024-25, insurance companies filed 3.26 crore health insurance claims and paid Rs 94,248 crore during the year. However, about 8% of claims were rejected, which means almost one in every 12 policyholders who made a claim did not get paid.

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What has IRDAI said?

Now, the Insurance Regulatory and Development Authority of India (IRDAI) has taken strict action. Under the new reforms of the regulator, IRDAI clearly said that the companies will have to give strong reasons for rejecting the claim and mention the specific policy conditions on the basis of which the decision to reject the claim has been taken. This step has been taken at a time when claims related complaints are increasing despite improvement in claim processing time.

What will be the benefit?

After strictness in this, it will become easier for the policyholders to find out whether the claim rejection is justified or not, and if necessary, they can pursue the matter through complaint handling channels or Insurance Ombudsman. This reform is based on several claims related ideas initiated by the regulator. It is now mandatory for insurance companies to process cashless pre-authorization requests within one hour and communicate the discharge decision within three hours of receiving the final request from hospitals.

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Flight Medical Emergency: In today’s time, air travel has become much easier than before. People travel by flight for work, travel or any other important reason, but have you ever thought about what would happen if your health suddenly deteriorates during the journey and you have to face a situation like a medical emergency. In such a situation, many questions come to mind along with nervousness that if one has to be admitted to the hospital, then who will bear the expenses of the treatment. The airline, the insurance company or the passenger himself? In such a situation, it is very important to have correct information.

The answer depends on your insurance policy and situation. Generally, airlines do not bear the entire hospitalization expenses, but if you have health insurance, then your insurance company can cover the expenses of hospitalization.

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Health insurance can help

• If you are traveling within India, your normal health policy will be useful.
• If the hospital is in the network of your insurance company, then you can get cashless treatment.
• In non-network hospitals, the money can be withdrawn through payment first and then through claim.

Travel insurance is also important

Travel insurance taken at the time of booking tickets is very useful in such a situation.

This often includes things like…

• hospitalization expenses
• Also the cost of medicines
• medical evacuation costs
• More useful in international travel.

What is the responsibility of the airline?

In this situation the airline’s responsibility is limited and it mainly remains to provide assistance during the flight.

Know what the airline does?

• Provides first aid.
• Makes emergency landing if needed.
• Along with this, it helps in calling an ambulance or medical team.
• But keep in mind that the airlines do not cover the hospital treatment expenses.
• The cost of treatment has to be paid by the passenger or the insurance company.

When may the airline have to pay the expenses?

A passenger can demand compensation from the airline under certain circumstances such as…

• If your health worsens after eating airline food.
• And the negligence of the airline staff.
• Also non-compliance of safety rules.

Also see Credit Card Insurance

• Many premium credit cards offer travel insurance facility.
• If the ticket is booked using the same card.
• Medical coverage should also be included.

Important things to keep in mind before traveling

Some important preparations before the journey may be useful for you like…

• Keep emergency details of the insurance policy with you.
• If you have a chronic disease, take a Fit to Fly certificate from the doctor.
• Be sure to check travel insurance.

Health Insurance Cost Rise: Taking health insurance may become a bit expensive in the future. This news is going to raise some concerns for those taking health insurance policies.

Industry experts say that in the next 12 to 18 months, an increase of about 10 to 15 percent may be seen in the premium. Companies will not make this increase all at once, but will be implemented gradually at the time of policy renewal. So that its pressure does not come on people all at once.

Premium will increase in this way

According to a report published in India, this increase will not be the same for everyone. Premiums can be decided based on factors like age, city of the customer, sum insured and claim history. People living in big cities and senior citizens may have to face the biggest impact of this change.

What is the reason behind this?

1. The biggest reason behind health insurance becoming expensive is the continuous increase in medical expenses. Healthcare costs in the country are increasing at the rate of about 14–15 percent every year. This is much higher than general inflation. In such a situation, getting treatment is becoming more expensive than before.

2. Secondly, increase in hospital fees, expensive tests and increased claims after Covid have also put pressure on insurance companies. For this reason, companies can increase the premium rate to balance their expenses.

Important advice for customers

1. Keep renewing the policy on time, so that the cover continues without interruption.

2. Choose adequate cover as per requirement, taking too little cover may cause problems later.

3. Avoid closing the policy, otherwise you may have to spend more out of pocket in case of medical emergency.

Even before, companies have increased the premium

If we talk about the figures for the financial year 2023 to 2025, the individual health policy premium has become costlier by about 23 percent. Besides, the family floater plan has also become quite expensive. While in the year 2021 it was around Rs 15 thousand, in the year 2025 it has reached the figure of around Rs 22 thousand. That means there has been a direct increase of about 46 percent.

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Paying huge hospital bills is a problem for everyone. Even if someone has health insurance, it takes a lot of time. In view of this situation and for the purpose of transparency in the process, IRDAI i.e. Insurance Regulatory and Development Authority of India has thought of implementing a new rule. This will make the claim process easier and hospitals will not be able to charge arbitrary bills. A new sub-committee has been formed for this.

Formation of new committee
IRDAI has formed a new sub-committee to stop arbitrary bills of hospitals. This sub-committee will recommend regulatory, policy and operational measures to promote innovation, wider coverage, better risk and better financial protection through health insurance. The purpose of forming this committee is to bring transparency in the process for consumers and make insurance easier for policyholders.

Objective of IRDAI?
With the formation of this committee, IRDA’s objective with the new rules is clear. They have to make the claim experience smooth for people. There is a need to improve the hospital tariffs so that they are not able to charge arbitrary fees from patients. This will also improve the digital system. People will not be cheated. Apart from this, the entire process will be done with transparency, which will increase consumer confidence.

According to experts…
Rakesh Goyal, Managing Director of Probus, says, ‘At present the biggest problem is that people feel that because they have insurance, they are being charged more money. The first task of the new committee is to correct the discrepancies in these tariffs and the network of hospitals. Its direct benefit will be that the treatment prices will be right and the billing will also be consistent.

Personal Finance: In today’s time, everyone wants to make both their today and tomorrow safe and strong by working hard day and night. In view of the rising inflation, people are working hard for the future of their families and themselves, so that they do not have to face any problems in the future, but amidst all these things, people ignore an important question that what will happen to your property after you are gone? Will she reach the right hands or get embroiled in legal disputes and wrong decisions?

The biggest reason for this is like..

• Lack of will.
• Lack of trust.
• There is no discussion about money among the family.

Many times it has been seen that parents keep information about their loans or investments hidden from their own children, due to which children have to face a lot of problems in the future. They have to make several trips to court.

Know today these 6 bad habits that can destroy your wealth.

1. Putting off wills and estate planning

Many people think that making a will is necessary only for rich people or it is done in old age, but this thinking is wrong and can also create many problems for you. If you have not made a clear division of your property then disputes are bound to arise later.

What to do: First of all, keep all the information about your property in writing and also share it with your family.

2. Spending more than earning

Nowadays, show off among people is crossing limits. People are preferring to show off life in a simple way rather than showing it off more. This has become a different trend in today’s times. People spend more than necessary and maintain their lifestyle by taking loans. The biggest mistake that people often make is spending money on expensive things, the value of which decreases with time.

Right way: Invest in such things which will give you returns in future, like mutual funds, gold or land.

3. Increasing debt burden

Excessive use of credit cards and personal loans gradually turns into a big trap. It is important to understand that while compound interest gives profit in investment, it increases the loss manifold in loan.

4. Ignoring insurance

Most people consider insurance to be an unnecessary expense, but imagine that if a medical emergency suddenly occurs, it can shake your entire financial condition.

Important steps: You must take health insurance and life insurance. Apart from this, you should also get the property insured.

5. Lack of diversity in investment

If you have invested your entire capital in one place then the risk increases a lot.

Suggestion: Divide your investments among different sectors so that the risk is reduced.

6. Hiding debts and responsibilities

If you hide financial information from your family, they may have to suffer huge losses in the future.

Remember: Transparency is the foundation of strong financial planning.

How to start right?

To keep your property safe, it is important that you plan in time. Before making any kind of big investment or loan, definitely consult a financial advisor. Also involve your family in your decisions so that everyone is aware of the situation.

the most important thing

Earning money is important, but handling it properly and passing it on to the coming generations is even more important. If you improve your habits and give priority to estate planning, your hard-earned money can remain safe.

In India, the risk of heart diseases is increasing rapidly among the youth aged 25 to 40 years, which is having a direct impact on the health insurance premium. Due to increasing cardiovascular risk, companies are increasing the premium by 15 to 25 percent. The policy which was earlier available for Rs 8,000, has now become available for Rs 10,000 or more. Earlier Critical Illness cover was taken after 40, but now young people are also taking it. Under Section 80D of the Income Tax Act 1961, a rebate of Rs 25,000 was available under the Old Tax Regime, but this benefit is not available in the New Tax Regime, which increases the pressure on your Net Savings.

Health Insurance Tips: In today’s era, having health insurance has become a necessity for almost every family. Hospital expenses are increasing rapidly and a major illness can cost years of savings. In such a situation, it is wise to choose the right policy. But just buying the policy is not enough. Many people take the plan in a hurry without understanding the terms and conditions and when the time for claim comes, they face problems.

The real game is hidden in the small terms and declarations. If some caution is taken in the beginning, the risk of claim rejection later can be significantly reduced. Therefore, it is very important to understand every important thing clearly before taking the policy. Otherwise you may have to face the problem of claim rejection later.

Be sure to understand the policy terms and waiting period

Some rules and limits are fixed in every health plan. For example, waiting period may be applicable on pre-existing diseases. That means the expenses of that disease will not be covered for a few years. Sometimes there are limits on specific treatments, day care procedures or room rent. If you do not read these terms properly, there may be deduction or rejection at the time of claim.

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Check the exclusion list included in the policy document carefully. Which diseases are not covered? Understand properly in which situation the claim will not be received. If necessary, take information in writing from the company representative. So that there is no problem later.

always provide correct information

Hiding your medical history while taking a policy can prove to be the biggest mistake. If you do not mention any pre-existing illness, surgery or any serious problem and the company comes to know about it later, the claim may be rejected outright. While filling the application form, answer every question honestly.

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Along with this, keep all the bills, discharge summary and doctor’s report safe when admitted to the hospital. Be it cashless facility or reimbursement, the documents should be complete and correct. Only correct information and complete transparency ensures that your claim can be processed without any hassles at the time of need.

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Health Insurance Claim Rejected: When a person takes health insurance, its purpose is to provide financial security in case of emergency. But recently a case came to light, in which a son had taken a health policy for his mother by paying a premium of about Rs 50 thousand every year. He was confident that the insurance company would help if needed, but at the time of treatment his claim was rejected.

This man, while sharing his ordeal on social media platform According to him, when he needed treatment, he contacted the Lucknow office of Star Health and Allied Insurance, where he had to wait for hours and later his claim was rejected.

Claim rejected despite policy

She alleged that the company representative allegedly said that “the policy was taken after asking us.” After this incident, the debate on the functioning of insurance companies intensified on social media. Many users raised the question that companies take premium on time, but why do they show strictness at the time of claims.

Some people even said that health insurance has now become only a paper promise. At the same time, some users tagged government regulatory bodies and demanded intervention in the matter.

Why is the claim rejected?

However, the company has also presented its stand publicly. The company says that the claim was examined on the basis of available documents and verified medical records and the decision was taken accordingly. In insurance cases, claims are often rejected on the basis of policy conditions, waiting period, pre-existing disease or lack of documents.

This case is once again a reminder that while taking insurance, it is very important to read the policy terms carefully, understand the coverage limitations and keep all the medical documents properly safe, so that there is less hassle in the claim process at the time of need.

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The country’s general budget will be presented on 1 February 2026. This will be the ninth consecutive budget of Finance Minister Nitin Nirmala Sitharaman, which is a big record in itself. This time, the highest expectations from the budget are being placed on the health sector. In fact, after the Corona epidemic, it has become clear that the foundation of a strong economy of any country rests on a strong health system. Even today in India, the cost of treatment remains a big problem for the common man. Due to lack of facilities in government hospitals and expensive treatment in private hospitals, it is believed that the government may increase the expenditure on the health sector in Budget 2026. In such a situation, let us now tell you what is the plan to make India a global health center and after this how big will be the health budget of the country?

India’s health expenditure is still less than the world

If seen globally, India still spends less on health services. In developed countries, health constitutes a large part of GDP, whereas India’s expenditure is considered less than many developing countries. According to the World Bank’s 2022 report, India spends only 3 to 4 percent of its GDP on health services. Whereas in America this expenditure is about 17 to 18 percent. Although in the last few years, the government has focused on digital health, Ayushman Bharat Yojana, expansion of medical colleges and affordable medicines, but the need is still increasing.

What did the health sector get in the last budget?

In the budget for the financial year 2025-26, the Health Ministry had made a provision of about Rs 1 lakh crore, which was about 11 percent more than last year. In this, expansion of Ayushman Bharat scheme, exemption in custom duty on cancer medicines, extra funds for new medical colleges and institutions like AIIMS were announced. This makes it clear that the health sector is already included in the priorities of the government.

What is expected from Budget 2026?

There are great expectations regarding the health sector from the Budget 2026 to be released on 1st February. Because it plays an important role in deciding the direction of the health services of the country. Experts believe that if the government increases the health budget, it will strengthen primary health services and improve the availability of infrastructure, modern equipment and medicines in government hospitals. Apart from this, it is expected from Budget 2026 that the government will increase the number and facilities of government hospitals and strengthen the health insurance structure in rural areas. It will make medicines more affordable and expand the scope of schemes like Ayushman Bharat. Apart from this, expansion of health insurance coverage, preventive care, investment in digital health and medical research are also likely to be included in the major priorities of this budget. Greater allocation for healthcare infrastructure, technology and preventive services will improve patient outcomes, especially in tier-II and tier-III cities. There is also a widespread expectation that special attention will be paid to women and child health.

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Imagine that the hospital bill comes to ₹6 lakh and your health insurance policy pays only ₹2 lakh. Then the question arises – whose fault is it? The truth is that 90% people do not review the policy for years after taking it and this negligence becomes a huge loss. Medical inflation is increasing by 13–15% every year.

ICU, surgery, medicines and hospital charges are becoming increasingly expensive, while many policies are still running on 5–10 years old coverage. In big cities like Delhi-Mumbai, treatment is 30–50% more expensive. In this video, know why sum insured review is necessary every 1-2 years, how super top-up plan gives more protection at less cost.

And how does room rent or illness reduce the sub-limit claim? Also understand why day care, pre-post hospitalization, mental health cover, NCB protection and unlimited restoration are necessary in modern health policy. Remember, health insurance is not tax saving, it is future protection.