{"id":2402,"date":"2022-10-14T10:35:18","date_gmt":"2022-10-14T05:05:18","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=2402"},"modified":"2022-11-16T17:45:01","modified_gmt":"2022-11-16T12:15:01","slug":"ncb-in-health-insurance","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/ncb-in-health-insurance\/","title":{"rendered":"What is NCB in Health Insurance?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/ncb-in-health-insurance\/#Types_of_NCB_in_Health_Insurance\" >Types of NCB in Health Insurance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/ncb-in-health-insurance\/#Cumulative_Bonus\" >Cumulative Bonus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/ncb-in-health-insurance\/#Discount_on_Premium\" >Discount on Premium<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/ncb-in-health-insurance\/#Facts_About_NCB_in_Health_Insurance\" >Facts About NCB in Health Insurance<\/a><\/li><\/ul><\/nav><\/div>\n<p>No claim bonus (NCB) in health insurance is a reward given by insurers for not raising a claim. It is a type of incentive that the insurance provider offer for staying healthy.<\/p>\n<p>The health insurance provider will offer you a no-claim bonus by increasing your sum insured.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-2403\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/NCB-in-Health-Insurance2.jpg\" alt=\"What is NCB in Health Insurance?\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/NCB-in-Health-Insurance2.jpg 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/NCB-in-Health-Insurance2-300x169.jpg 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/NCB-in-Health-Insurance2-1024x576.jpg 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/NCB-in-Health-Insurance2-150x84.jpg 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/NCB-in-Health-Insurance2-768x432.jpg 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/NCB-in-Health-Insurance2-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Types_of_NCB_in_Health_Insurance\"><\/span>Types of NCB in Health Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Cumulative_Bonus\"><\/span>Cumulative Bonus<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If the insured does not raise a health claim, then the insurance company will give him an NCB benefit by increasing the sum insured while keeping his premium amount the same. If he makes no claim throughout the policy period, his claim will increase year after year (subject to certain limits set by the company), for every claim-free year. This progressive increase in the sum assured is known as a cumulative bonus.<\/p>\n<p>Suppose, you have bought a <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/8-reasons-why-you-must-have-health-insurance\/\">health insurance<\/a> plan with a sum assured of Rs 15 lakh, and an annual premium of Rs 15,000. If the insurer offers a cumulative bonus of 10% and you did not raise a claim, then your sum assured for the next year will be increased to Rs. 16.5 lakh and the premium will remain the same i.e., Rs. 15,000. However, this increase is limited to a sum assured which is lesser than the sum assured purchased.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Discount_on_Premium\"><\/span>Discount on Premium<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Similar to <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/no-claim-bonus-ncb-in-car-insurance\/\">NCB in motor insurance<\/a>, the health insurance company offers NCB in the form of a discount on premium. If an insured has a claim-free year, the insurance company will lower his premium (to a certain limit) on the policy when he renews his policy next year. The sum assured will not be affected by the reduced premium.<\/p>\n<p>So, taking the above example, if the insurer offers a 10% discount on premium as NCB, then your premium amount for the next year will be reduced to Rs. 13,500 and the sum assured will remain the same i.e., Rs. 15 lakh.<\/p>\n<p>However, most health insurance companies offer an additional sum assured only.<\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Facts_About_NCB_in_Health_Insurance\"><\/span>Facts About NCB in Health Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li>NCB is considered evidence of staying healthy.<\/li>\n<li>NCB is given only when the policyholder has not raised a health claim during the previous policy period.<\/li>\n<li>It leads to an increase in the sum insured or a discount on premium.<\/li>\n<li>Generally, insurers decide themselves about the type of NCB benefit they\u2019ll be offering to the policyholders.<\/li>\n<li>NCB can be transferred to another insurance company. If you want to port your health insurance policy to another insurer, your no-claim bonus will still be active.<\/li>\n<li>Insurance companies set a limit on the NCB benefit.<\/li>\n<li>Not all health insurers offer no claim bonus. Ask your health insurer about NCB before buying a health insurance policy.<\/li>\n<\/ol>\n<p>If you have taken an insurance product and are facing any issue related to it, then you can approach Insurance Samadhan.* We have resolved 14500+ insurance complaints like claim rejection, delay in the claim, mis-selling and fraud in insurance.<\/p>\n<p>Contact us to get samadhan for your insurance-related issues, we\u2019ll be happy to help you.<\/p>\n<p>*Insurance Samadhan is a private organization and has no association with IRDA or any Government body.<\/p>\n<hr \/>\n<h4>Click on the below links to read some cases resolved by Insurance Samadhan:<\/h4>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/dengue-insurance-coverages-and-exclusions\/\">Dengue treatment claim rejection<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/top-reasons-for-travel-insurance-medical-claim-rejection\/\">Travel insurance medical claim rejection<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/beware-of-mis-selling-and-insurance-fraud\/\">Insurance Fraud<\/a><\/p>\n<div>\n<div class=\"centered-text-area\">\n<div class=\"centered-text\">\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><strong>Click here<\/strong><\/a>\u00a0to register your complaint with Insurance Samadhan<\/p>\n<p>You can also<\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Call us on +91 9513631312<\/p>\n<p>WhatsApp:\u00a0<a href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\">\u00a09910998252<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/ncb-in-health-insurance\/\"\n  },\n  \"headline\": \"What is NCB in Health Insurance?\",\n  \"description\": \"NCB in health insurance is a reward given by insurers for not raising a claim. 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It is a type of incentive that the insurance provider offer for staying healthy. The health insurance provider will offer you a&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/ncb-in-health-insurance\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":2404,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[3],"tags":[253,254,73,76,104],"class_list":["post-2402","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance","tag-health-insurance-no-claim","tag-health-insurancebonus","tag-ncb","tag-ncb-in-insurance","tag-no-claim-bonus"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is NCB in Health Insurance? - Insurance Samadhan<\/title>\n<meta name=\"description\" content=\"NCB in health insurance is a reward given by insurers for not raising a claim. 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