10 Smart Ways to Save on Health Insurance in 2025

Health insurance costs can be optimized without compromising coverage. Here’s a practical checklist to help families and HR teams get better value.

• Choose optimum sum insured.
• Use wellness/OPD benefits and network hospitals.
• Opt for voluntary deductible to reduce premium.
• Leverage no-claim bonus and restoration wisely.

What impacts premiums?

Age bands, location, room rent limits, disease loadings, and past claim history. For group policies, employee demographics and benefits grid impact rates.

Always disclose pre-existing illnesses, keep KYC ready, and prefer cashless networks for smooth claims.

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Disclaimer: Information is illustrative. For personalized advice, contact GoCover (IRDAI Reg. ----).