Filing a health or life insurance claim should ideally be a straightforward process—submit documents, verify details, receive your claim amount. But many policyholders face a frustrating loop: the insurer keeps asking for more documents, even after you have submitted them… Continue Reading
Under IRDAI’s definition, a pre-existing disease (PED) refers to any condition that was diagnosed or treated within 48 months prior to the inception of a policy. In simple terms, if a surgery or illness occurred more than four years before… Continue Reading
With medical science evolving rapidly, modern eye therapies such as intravitreal injections have become the gold standard for treating retinal disorders like diabetic retinopathy, macular degeneration, and retinal vein occlusion. These conditions are rising sharply in India, driven by lifestyle… Continue Reading
Imagine the stress of being hospitalised, paying large bills, and then getting a shocker — your health insurance claim is rejected or partially settled with a line that says:“Amount exceeds Reasonable and Customary charges.” It sounds technical, but this single… Continue Reading
Every breath in our cities today feels heavier than it should. As smog blankets Delhi and other metros post-Diwali, emergency rooms are seeing a sharp rise in cases of respiratory distress, COPD flare-ups, asthma attacks, and even lung infections. For… Continue Reading
Stroke Is No Longer Just an “Old-Age” DiseaseIn India, the average age of stroke patients is dropping. Stressful jobs, sedentary lifestyles, and rising hypertension and diabetes have made strokes increasingly common in people in their 30s and 40s. A single… Continue Reading
Climate unpredictability is no longer a distant threat — it’s reshaping the reality for India’s farmers today. In 2024–25, extreme weather events hit millions of hectares of farmland, causing crop failure, income loss, and financial stress on rural households. The… Continue Reading
Understanding the Role of the Insurance Ombudsman The Insurance Ombudsman is one of the most important grievance redressal mechanisms created by the Insurance Regulatory and Development Authority of India (IRDAI).It was established to help policyholders get speedy and fair resolution… Continue Reading
In the recent month, Beshak Team discovered an alarming trend in a few retail health insurance policies from Acko, ICICI Lombard (Elevate / AdvantEdge), SBI General (Arogya Supreme / Super Health) and Zuno General Insurance. A clause titled “Material Change”… Continue Reading
Advancements in healthcare have given rise to procedures like robotic or computer-assisted knee replacement surgeries, which promise higher precision, shorter recovery time, and improved long-term outcomes. However, while technology has progressed, insurance coverage hasn’t always kept pace – leading to… Continue Reading