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Health Insurance Glossary

Benefit

Benefits are the sum insured or other benefits provided by a health insurance policy. The policyholder will receive these benefits during the unfortunate times for which he has insured himself with a nominal premium.
Ditto Ratings

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A

AccidentAccumulation PeriodAcute CareAdd-on CoversAge LimitAgentAmbulance CoverAnnual Renewal DateAny One IllnessAutomatic RestorationAYUSH Treatment

B

Beneficiary
Benefit
Blacklisted HospitalsBroker

C

Cancer InsuranceCashless Claims/TreatmentCashless Facility/HospitalizationCertificate of InsuranceClaimClaim SettlementClaim Settlement RatioCo-insuranceCo-Pay or CopaymentComorbidities/Pre-Existing DiseasesComplimentary Health Check-upsConvalescence BenefitCritical IllnessCumulative/No-Claim Bonus

D

Daily Hospital CashDay Care TreatmentDeductibleDependentsDomiciliary Hospitalization

E

EligibilityEmergency CareExclusions

F

Family Floater PolicyFirst DiagnosisFree Look Period

G

Grace PeriodGroup Health Insurance

H

Health Insurance Tax BenefitsHospitalization

I

IllnessIndividual Health InsuranceInpatient CareInsurerIRDAI

L

LapseLong-Term Care Policy

M

Maternity Expenses

N

Network Provider/HospitalNo Claim Bonus (NCB)NomineeNon-Network Provider/Hospital

O

Out-Patient Department (OPD)/Treatment

P

Personal Accident CoverPolicy CoveragePolicy DocumentPolicy PeriodPortabilityPost Hospitalization ExpensesPre Existing Disease (PED)Pre Hospitalization ExpensesPremiumPrimary InsuredPrivate RoomPsychiatric Cover

R

Refill Sum InsuredReimbursementRenewalRestoration BenefitRiderRoom Rent Limit

S

Senior Citizen Health InsuranceSpecific Illness Waiting PeriodSub-LimitSum Insured

T

Terminal IllnessThird-Party Administrator (TPA)Top-up Plans

W

Waiting Period

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