Choosing the right health insurance policy is one of the most significant financial decisions you will make. Many people see health insurance pricing as a “black box.” Whether you’re using a 5 lakh or 10 lakh health insurance premium calculator, understanding how insurers arrive at these numbers is critical for making informed financial decisions.

The Indian healthcare sector relies on a structured network to manage the millions of health insurance claims filed every year. When you purchase a health policy in India, your primary contact for hospital admissions and bill settlements is often not the insurance company itself, but a TPA. Understanding the meaning of TPA in medical insurance is a practical necessity for any policyholder who wants to avoid last-minute confusion at the hospital desk.

Buying a health insurance policy is a smart move, but adding the right add-ons (riders) can make it even more powerful. Add-ons enhance your base policy by covering gaps, reducing out-of-pocket expenses, and offering wider protection during medical emergencies.

Mukhyamantri Amrutum Yojana (MA Yojana) is a government‑funded health insurance scheme launched by the Gujarat Government to provide cashless medical treatment to economically weaker and low‑income families. Under this scheme, beneficiaries receive significant financial support for hospitalization, surgery, and critical treatments at empanelled hospitals without paying out of pocket at the time of treatment.

According to the National Family Health Survey-5 (NFHS-5), infertility affects nearly 17.5 - 18.1% of couples in India and abroad, with rising IVF cases prevalent in urban and semi-urban areas. The demand for IVF coverage in health insurance plans is also increasing.

For many couples, the emotional strain of infertility is already overwhelming. What increases the stress is discovering the cost of advanced treatments like IVF and IUI, which can cost lakhs of rupees, often without any clarity on insurance coverage. The assumption that a health insurance policy will step in during such times can turn into a harsh reality check.

Janani Suraksha Yojana (JSY) is a government scheme launched in India in 2005 under the National Rural Health Mission (NRHM) - now, National Health Mission (NHM). This scheme was mainly introduced to promote safe childbirth in health facilities.

It was to encourage pregnant women, especially those from poorer and rural households, to deliver their babies in hospitals or public health settings instead of their homes, so they get skilled care, and newborns get the best start.