Moneylife News Bites

Author: Debashis Basu & Sucheta Dalal

Moneylife News Bites is a weekly podcast hosted by veteran journalists and founders of Moneylife, Sucheta Dalal and Debashis Basu. Each week a new episode analyses an important news topic, based completely on unbiased and ethically researched information that is not available anywhere else. A video version of this podcast is available on our YouTube channel - @MoneylifeNewsBitesInterested listeners and readers can follow Moneylife News on our website - https://www.moneylife.in/ Hosted on Acast. See acast.com/privacy for more information.
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Language: en

Genres: Business, Investing, News

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Is Health Insurance in India Failing You?
Episode 267
Wednesday, 18 March, 2026

India’s health insurance system is under serious strain — and it’s the middle class that is paying the price.Premiums have surged by 50%–200% in just three years, but when it comes to claims, policyholders are facing delays, partial payouts, and outright rejections. What was meant to be financial protection is increasingly becoming a source of stress during medical emergencies.Despite regulations by IRDAI — including timelines for approvals and caps on premium hikes — enforcement remains weak. Mis-selling by banks, opaque policy terms, outdated coverage limits, and unchecked hospital billing practices have created a system where:- Insurers minimise payouts- Hospitals maximise billing- Consumers are left stuck in betweenWith a 73% health protection gap and rising medical inflation, even those who are insured are discovering that coverage may not be enough when it matters most.Is health insurance still a safety net — or just an expensive illusion? Hosted on Acast. See acast.com/privacy for more information.