Health insurance lena aaj ke time mein zaroori hai. Aur jab bhi koi health insurance policy lete hain, toh ek term kaafi sunne ko milta hai — No Claim Bonus (NCB).
Log sochte hain ki agar hum claim nahi karte, toh policy ka benefit aur badh jaayega. Ye baat theek hai, but is it enough? Can you really rely on it? Let’s find out!
What is No Claim Bonus (NCB)?
NCB ka matlab hota hai:
“Agar aapne pichle saal koi claim nahi liya, toh aapko agle saal extra benefit milega.”
Usually, this benefit 2 tarike se milta hai:
- Sum Insured Increase – Aapke cover amount mein har saal 5% to 50% tak ka increment.
- Premium Discount – Kabhi-kabhi renewal premium pe chhota discount.
Toh dikkat kya hai? NCB par bharosa kyun nahi karna chahiye?
1. NCB milta hai sirf agar koi claim na ho
Agar ek baar bhi claim kar liya, toh aapka pura NCB benefit ya to reduce ho jata hai ya reset ho jata hai. Matlab, ek illness aur saari mehnat gayi paani mein!
2. NCB ka growth limited hota hai
Har company NCB ka ek maximum limit deti hai. Jaise 100% tak sum insured double ho gaya — uske baad aur nahi badhega.
3. Health inflation se cover kam pad sakta hai
Aaj ₹5 lakh ka cover lagta hai kaafi. Par 5–7 saal baad treatment cost double ho sakti hai. NCB se badhawa milega ₹1–2 lakh ka hi — which may not be enough.
4. Chhoti chhoti cheezon ke liye bhi claim dena pad sakta hai
Minor surgery, dengue, food poisoning jaise cases mein bhi claim karna padta hai. Toh NCB ka plan khatam ho sakta hai ek hi baar mein.
Toh kya karein?
✅ Adequate base cover lein
Start with a strong base policy – at least ₹10 lakh, especially in metro cities.
✅ Top-Up or Super Top-Up Plans
Aapke base policy ke upar extra protection milta hai, affordable premium mein.
✅ Family Floater Plan + Individual Plans
Agar family ke liye floater plan le rahe ho, toh self ke liye ek alag individual plan bhi le lo. Risk divide hota hai.
✅ NCB ko bonus samjho, base mat banao
NCB ek good to have feature hai. Isko main reason bana ke policy mat lo. Your main focus should be on:
- Hospital network
- Claim settlement ratio
- Coverage features
🔚 Conclusion: Don’t Fall for the NCB Trap!
NCB ek reward hai, but it's not a substitute for proper coverage. Health problems kabhi bhi aa sakti hain — aur us time par aapko real, adequate insurance chahiye hoti hai.
Toh plan wisely — aur NCB ko sirf ek bonus samjho, base nahi.
Need help choosing the right health insurance?
📞 Talk to experts at Chaubey Financial Services.
We help you choose the best plan with or without NCB confusion.
No Claim Bonus in Health Insurance: Don’t Rely on It!