IVF Could Be the Way to Go (Content Princess – SEO)

One theory suggests that IVF will be the first choice for older couples wishing to start a family in the future.  It is true that assisted reproduction technology has grown since its inception in 1981 in the United States.  Experts say that it should remain the last choice for all couples.  Several implications should be considered before going down this road.

An Australian Theory

Two vets from Australia have indicated that over the next 5 to 10 years, older couples will access In Vitro Fertilization (IVF) over natural conception.  They suggest that test tube embryo production in cattle is 100 times more effectual than the natural way of having calves. 

According to this theory, there are problems with natural fertilisation. These are not experienced when a single sperm is injected into an egg.  Future success rates will make assisted reproduction the way to go.

Critics of this research have argued that people cannot be compared to cattle.  Humans are impelled to form multi-faceted societies composed of families and couples.

IVF is a Popular Alternative

When natural methods fail, more and more couples have turned to technology.  Since 1981 the use of assisted reproductive technology, primarily IVF has increased.  The number of fertility clinics offering this technology has grown to meet the demand. 

The latest figures from the Centers for Disease Control and Prevention, show that assisted reproduction technology is a satisfactory alternative.  In 2013, nearly 68,000 reported live births accounted for 1.5% of all infants born.

IVF – Under Consideration

Couples who are unable to conceive naturally consider IVF as a viable alternative.  Improvements have resulted in a safer method of conception.  The risky issue of multiple births – three babies or more, has been eliminated.

Society’s attitudes have changed for wider acceptance of the reproductive technology.  However, religious objections can result in some couples choosing fertility drugs alone.  There is also the cost factor.  A single cycle can cost around $12,500.

Ovaries can be overstimulated, and sometimes this can be dangerous.  In rare cases, it can cause the heart to stop.  In 2005, a woman in London died from this condition.  There is also a small risk of ectopic pregnancy where the embryo embeds in the fallopian tube rather than the womb.  This situation is can also be life threatening.

On the positive side, half of all couples using IVF can achieve pregnancy in one treatment cycle.

An Alternative Way to Start Your Family

You are tired of spending money and not getting results.  You can go down the road of egg and embryo donor IVF.  Donor eggs are used in 11% of all assisted techniques.  This procedure is becoming more customary especially among women over 40.  Women choosing fresh embryos (not frozen) have a 43.4% probability of getting pregnant during each cycle.

Invitro or egg donor IVF will never entirely replace natural childbirth.  For some couples, there is no alternative if they wish to start a family.  Possibly, in the future adoption will become more accessible and more attractive as an alternative.

Primary Keyword – IVF

Secondary Keywords – reproduction technology, natural fertilisation, embryo, multiple births, fertility drugs, ectopic pregnancy, natural childbirth, egg and embryo donor IVF, reproduction techniques.




How To Keep Your Home In Tip-Top Shape: A Guide (Rank Princess – SEO)

Home maintenance is one of those things that is easy to slip our minds or is put off as one of those tasks, which require completion once in a while only. Be careful though, as you may just end up being that house whose yard is covered in weed, walls with peeling paint, and a list of expensive repairs, which could have been avoided.

It could be daunting to think about these numerous tasks, especially if you are a new homeowner. It’s a long list – you cannot deny that. The best thing is that you can do most of it on your own without much experience.

What To Do In The Fall

When the weather starts to get colder, prioritize the maintenance of your heating equipment as they will get you through the season. Listed below are some tasks that you need that need taking care.


  • Take screens of windows to store them (tag them to place them quickly in the spring, and repair or replace them now, if necessary). After washing the windows, replace with storm windows.
  • Seal windows and doors with pickling time and also check caulking. Replace seals as may seem necessary.
  • Check for roof leaks, missing or damaged shingles, and prevent pests from hiding in vents.
  • Cut trees and shrubs within 3 inches of your home.
  • Check the outside faucet for trickles, then drain and twist it off. Store hoses.
  • Clean downspouts and gutters.
  • Clean, oil and store garden tools. (It can also be stored in a sand bucket to prevent oxidation.)
  • Store and clean and patio furniture (if required cover it with a waterproof material).


  • Check smoke detectors and carbon monoxide detectors, and replace batteries if necessary. Also, check the extinguishers. This is a good time to do fire drills and review your emergency documents.
  • Remove air conditioners or protect them with a waterproof cover (if applicable).
  • Check if the attic has insulation, leaks, squirrel hideaway, etc.
  • Rinse the water heater to clear off the residue. Bleed the radiators if you have hot water. Do not do it when the system is in use because the water can cause burning.
  • Clean and empty refrigerator coils.
  • Examine kitchen and bathroom cabinets and fixtures for leaks, and avoid water damage by collecting or regrouping countertops in the kitchen or bathroom as needed.

What To Do During Spring

Spring maintenance involves many of the same tasks required for fall. Listed below are some tasks that you might need to get done.


  • Wash windows and replace windows against storms with screens.
  • Check gutters and downspouts and clean if necessary.
  • Check the exterior walls for damage or deterioration (e.g. brickwork or coating repairs, paint peeling)
  • Check if the cover has damages caused by stains or water. A pressure washer can help get rid of your mould and moss cover.


  • Check smoke detectors and carbon monoxide detectors, and replace batteries if necessary.
  • Check the basement for cracks or leaks, moisture and mildew.
  • Inspect kitchen and bathroom fixtures and avoid damage due to water by replacing countertops and tiles in the kitchen or bathroom as needed.
  • Check the clothes dryer vents and wipe the lint.

To maximize your efficiency and get all these daunting tasks done, you may want to create a home maintenance schedule for yourself. Whether online or on paper, you can record small tasks for every weekend and not be too besieged by them.

Do what works for you and your program, and as long as all these things are accomplished, your home will be happy for years and years to come.

Further Reading:


LSI Keywords – avoid water damage, home maintenance, kitchen and bathroom


Should 16 Be The Legal Age To Drive In India? (Rank Princess – SEO)

Barely a month ago, the papers featured the news of an 8-year-old boy driving his 4-year-old sister to McDonald’s for a cheeseburger. After the parents had fallen asleep, the kids had taken the van out.

It turns out the kid had learnt to drive by watching videos on YouTube. People who saw him drive and reported to the police had commented that the boy obeyed all traffic rules and drove the van effortlessly. This incident took place in Ohio, United States of America.

In this age of information explosion, information is easily accessed by anyone through the internet. Video platforms are flooded with how-to tutorials. Kids learn almost everything at a younger age a compared to the previous generation.

This fact brings us to the debate on whether the legal driving age should be lowered. While 8-year-olds are definitely out of contention, the debate rages if 16 should be made the legal age to drive.

What Do The Experts Say?

Experts are of the view that lowering the legal driving age will do more harm and risk lives. But the argument on the other side is that lowering the minimum age to drive by two years will have no difference as 16-year-olds have the same logical reasoning as adults.

While it is true, their social and emotional development is relatively immature, 16-year olds tend to seek novelty and risk. It is a stage of rapid development and teenagers of this age are most susceptible to peer pressure and distraction.

Statistics also reflect that the countries which have a higher driving age also have lesser teen deaths caused by crashes. Even in developed countries where motorists abide by the traffic laws and the traffic is managed effectively, underage driving could be potentially harmful. Inexperienced and under-age drivers would cause complete chaos and mayhem on our poorly planned, congested roads.

Facts About Indian Roads

Indian roads are one of the busiest and even trained drivers find it challenging to navigate our streets. India has one of the worst accident rates in the world with over 2 lakh fatal crashes taking place in a year. The top reasons contributing to this are speeding, tailgating, drunken driving, distracted driving, etc.

India with its minimum legal age for driving being 18, has more than its fair share of irresponsible drivers flouting traffic lights and exceeding speed limits. In the recent past, we saw reports of underage drivers ramming their luxury cars and killing innocent people in a drunken drive. Lowering the legal driving age to 16 would pose a severe risk to life and property.

Reckless driving is a threat to public property and everyone on the road. Keeping in mind the safety concerns it would be best for the legal age to drive to remain as 18 years.

If the Indian government brings it down to 16, then God save the pavement dwellers.

LSI Keywords

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The Impact of GST on India’s Small Business Owners (Rank Princess – SEO)

GST is an initiative by the Government towards the reduction in the number of taxes. It has been receiving quite a positive response so far. Small business owners have had major positive impacts on their businesses.

If you have joined the MSME (Micro, Small and Medium Enterprises) ecosystem recently or have been operating in this sector in the last one year, then the term GST (Goods and Services Tax) shall not be new for you. Below is a quick glance as to what this tax is all about and how it is going to impact you, as a small business owner –

GST Explained

The Goods and Services Tax was introduced by the Central Government last year. It is a form of indirect tax that focuses on removing any and all kinds of tax barriers between the states of India. This taxation scheme aims at creating one single tax umbrella for the entire nation. The GST is based on consumption tax wherein the taxable transaction is supplied to the existing taxable event of manufacture, provision of service or sale of any good.

Who is liable to pay the GST?

If you fall under the following categories of tax payers, you are liable to pay the Goods and Services Tax:

  • Service Taxpayer
  • Central Excise tax payer
  • VAT or Sales Tax payer
  • Entertainment Tax payer
  • Luxury Tax payer

How is it going to impact your small business?

The Goods and Services tax is going to affect you, as a small business owner in the following ways –

Impact #1: Easy process of starting your business

All thanks to this tax, all small businesses can now rejoice! As per old rules, when you had to start a small scale business, you would have to have a VAT registration that is issued by the state sales tax department. Since every state has its procedures, the form and procedure vary as well. But now, with the introduction of GST, there is uniformity in the process. GST has introduced centralised forms and procedures of starting the business.

Impact #2: Reduction in logistical costs

If you have ever gone on a road trip from one state to another, you must be familiar with the number of toll taxes that come up at each highway. Same happens when small-scale businesses import and export goods from one state to another. There was a lot of time, effort and money spent on these cross-border toll taxes. Now, with the introduction of GST, all of this will be eliminated. Interstate movement will now become a lot cheaper as the majority of toll taxes have been removed.

Impact #3: Simple tax processes

This is the best impact GST could have on small business. With high business volumes, it becomes a daunting task to manage so many varied types of taxes. Not anymore with GST. With this new tax, a lot of taxes are being amalgamated as one Goods and Services Tax. GST will integrate all the main taxes across states thus making the tax paying process straightforward and easy.

Above highlighted are the three major impacts that GST has on small businesses in India.

Keywords: Goods and Service Tax, small businesses, small scale business owners


The Impact of GST on India’s Small Business Owners (Rank Princess – SEO)

While the passing of the Goods and Service Tax (GST) bill was a much-celebrated accomplishment of the incumbent government, it has managed to transform the scenario for small businesses across the country drastically. The new system promises to score far better regarding transparency and less paperwork. Moreover, it requires far greater compliance as well.

To begin with, the owners of relatively smaller commercial services are finding it considerably difficult to migrate to the freshly released GST format. The primary reason for the same is that they have been unable yet to invest in hardware and software, and are still relying on old-school methods of manual calculations and hand-inscribed account journals painstakingly maintained over the years.

The pressure on these owners has increased manifold owing to the government’s order to have such businesses filed for tax returns in the new GST format by July 1, 2017. This deadline has led to shop-owners frantically rushing from pillar to post to complete all the necessary formalities before the stipulated date.

For small-time establishments which are yet to evolve in the variety of their products and services, or in the size of their clientele, the latest online format poses a major inconvenience. This is due to the need for thorough orientation, a precise understanding of the financial mechanism and greater work regarding employing third parties and agencies to handle the affairs arising for implementing GST. Without comprehensive elucidation in these matters, minor business owners will have no dearth of confusion in uploading documents and submitting them.

For others, the e-way bill, which aims to move goods from one point to another, is proving to be a rigmarole of sorts because of the incessant form-filling. Not only does it have to be filed electronically on a common platform, but there are also multiple times one has to repeat the procedure for various events.

In light of the multiplicity of forms being a bane in India, GST has, at least initially, only fuelled the fire. The shipment of goods has been rendered into a complicated, cumbersome process. Also, because each business will try to prop up their resources on the portal, the traffic on the same will skyrocket, increasing compliance costs.

As though this was not enough, there are now problems arising out of the system of unique e-way bill number (EBN). If one single vehicle carrying many goods is crossing a state boundary, it is subject to scrutiny and detainment by authorities. This remains irrespective of whether the vehicle is merely passing through or intends to halt and unload. Stopping vehicles at state entries and commercial tax checkpoints would delay delivery and cause a loss of revenue for the concerned businesses.

Fortunately, however, tax consultancy experts report that once the nascent conflagration has died down and once business owners grasp the concept of the GST format, problems will be resolved and the system will come back as better and more secure.

So the wait for betterment continues.

LSI keywords: GST format, goods and services bill, e-way bill






Look your Best this Summer! (Rank Princess – SEO)

Swimsuit season is here! There are a lot of swimsuits on the market, online. But which one will make you look as hot as the sun? Is it a bikini? Or a one-piece swimsuit? Or a microkini? The possibilities are endless.

Know your Swimsuit

Flaunt your curves and look like a sexy goddess this summer. If you are planning a trip to the beach to soak in the sun or take a dip to cool off, you need the right swimsuit. But which beachwear do you buy? A bikini is the most popular choice but what are the other kinds of sexy beach dresses? 

To avoid those uneven tan lines

To get the perfect tan that you are looking for while looking conservative, you can opt for a one piece swimsuit. A one-piece swimsuit, as its name suggests is one piece attire that covers the upper and lower parts of the torso with a single piece of clothing. It is also called a ‘Tank Top’ because of how much it resembles a tank top. It comes in many variants.

Traditionally, a one piece is sleeveless, has a small or a moderately low neckline, fits perfectly to the body and has openings in the bottom similar to that of underwear. A one-piece beachwear is your choice if you want to show some skin but not too much.

A Bikini or a Trikini

A trikini is another name for a bikini. A bikini, which is a two-piece beachwear.

It is the most popular with women all around the world. There are endless patterns, modifications and fittings in a bikini you can choose from online. A bikini consists of an upper garment that looks similar to a brassiere but consists of strings instead of a strap. 

These strings go over the shoulders or around the neck in some versions of the bikini, leaving the backside bare. The lower garment in the bikini is also similar to underwear, except that it is thinner and shows more skin than a regular underwear would. 

Sometimes, bikinis are accessorised with metal rings or beads that connect the strings to give a sexier appeal. Bikinis are the right kind of swimsuits for you if you want to get tanned evenly and flaunt your summer body.

You can buy bikini online in India, depending on the size that fits you the best.

Along with that comes the liberty of choosing the best rates and patterns available, as the icing on the cake.

A Mix-‘N Match Situation

If you want to opt for something modest yet something that lets you lounge under the sun, a tankini is your choice. A tankini is a combination of a tank top and a bikini. There are two pieces in this swimsuit. The top part of a tankini is similar to a tank top while the lower portion resembles an underwear. It is convenient for taking a dip in the waves and even for sitting back on the sand and enjoying a day out on the beach. Tankinis come in a various sizes, colours and shapes. So, there are plenty of choices of choose from on the Internet.

The tankini is mostly worn by children for their convenience and comfort. 

Other unconventional beachwear

If a bikini is not your cup of tea, you can opt for other variations of bikinis like a sling bikini. It is a one-piece swimsuit which is joined in the middle and is open at the sides, leaving the sides of the torso bare. A more daring choice, the monokini is a single piece swimsuit without a top.

To achieve a modest look with a monokini; it can be paired up with a crop top or a halter top. A microkini may not seem like the most obvious choice given its daring ‘if you got it, flaunt it’ look, but when paired with a transparent or a semi-transparent tunic, it is perfect for a day under the sun.

Primary keywords-Sexy beach dresses, buy bikini online in India

LSI Keywords – unconventional beachwear, one-piece beachwear, sling bikini


Beach Wear for the Ideal Vacation (Rank Princess – SEO)

    Summer is the time to soak in the sun. Whether it is beach vacation or just a day lazing around in the sands, the one dilemma every woman faces is the attire. The outfit has to be stylish and at the same time easy on your skin to support the extended outdoor hours.

   The humid coastal weather will make it impossible to cover up from top to toe, making it the perfect time to flaunt your body and get it exposed to the sun. If you are uncomfortable with exposing your skin to the sun, you can cover up and yet create a style statement.

Choosing the Right Beachwear

    Sexy beach dresses with little detailing and a glamourous look are perfect for beach concerts and dates by the beach. Casual beach outfits are ideal for a stroll by the beach or for relaxation on the sands. For playing in the waves and fun time in the water, a bikini is an ideal outfit.

   Here are some tips to dress up most appropriately for a day by the shore.

  1. Dress according to the event

    Though the options for an ideal beach wear are endless, you can start by filtering your clothes based on the occasion. While a business event demands a semi-formal outfit, an informal outing will require you to dress in a casual manner. An event-appropriate outfit will not only make you look stylish, but it is also a mark of respect to the host.

  1. Contemplate your style

   The dress should portray your style and personality. The clothes we wear speak a lot about us. Decide on the kind of style that suits you best- casual or chic or young or sexy or the much sought after boho look.

   For casual outings, sexy beach dresses or bikinis suit best. If you do not find the right kind of bikinis in any store in your neighbourhood, you can buy bikini online in India.

  1. Match the components right

   Once you choose the style, a lot of attention should go to putting the items of your clothing together so that they match the vibe of the event or occasion. The accessories and ornaments should match the surroundings. You cannot let the ornaments ruin the carefully thought out look.

   Printed bags, flip flops or small wedges can add an edge to your beach look. Sarongs, capes and throws in wild prints can jazz up a plain bikini.

Choose Weather Friendly Outfits

   The coastal towns are humid, so choose your clothes so that they are easy on the skin. The fabric of your dress should not suffocate you. So, while choosing an outfit, remember to keep the material light. 

  Light colours are more comfortable for a hot day. You can add some gusto to the look by incorporating fun prints and coordinated accessories.

  The beach favourite bikini can be stylised with the right kind of bracelets and flat sandals. Over the bikini, you can choose to wear a cape, a kimono, a thin throw or just a sheer dress. To find the right design of bikinis suitable to your body type, you can buy bikini online in India.

Stick to Casual

   Beach outfits should be put together with no fuss. When in a beach, remember to dress down. Stick to the basics and rock the minimal look.

Targeted Keywords:

Sexy beach dresses, buy bikini online in India

LSI Keywords:

Casual beach outfits, bikini, semi-formal outfit, dress in a casual manner, casual or chic, boho look, Printed bags, flip flops, Sarongs, capes, plain bikini, cape, a kimono, a thin throw, a sheer dress.



Claims Settlement In Health Insurance In India (Rank Princess – SEO)

To have a health insurance has become quite important these days. It protects you by providing financial security in times of need. You save money through comprehensive health plans during medical emergencies.

What Is A Health Insurance Claim?

A health insurance claim is a formal request for payment made by the insured individual to an insurance company. The company reviews the claim for its validity, and then payment is made as per the terms to the insured.

A third party acting on behalf of the insured by the approval of the insurance company can carry out transactions as well.

Insurance claims cover a lot of things, from death benefits on life insurance policies to routine health check-ups by your local doctor. Many a times, claims are filed by third parties on behalf of the insured person, but generally, only the person listed on the policy is entitled to claims payment.

Processes To Claim Health Insurance

There are different procedures for a health insurance claim that are based on the type of claim you make with your insurance provider.

  • Cashless facility: The insurance provider takes care of the medical treatment costs in their network hospitals. The insured must carry the cashless card provided at the time of policy purchase along with valid ID proof during admission and claim process. The insurer provides an electronic pre-authorisation form before hospitalisation.
  • Reimbursement: In this case, the customers pay hospitalisation fees and later get reimbursed from the insurance company. Reimbursement is done after proper documents are submitted to the company.

Reimbursement can be made for single or multiple insurers. If everything is in order, your health insurance claim gets approved in 30-40 days.

The important point is that if your documentation is in order and all the requirements have been taken care of, no insurance company can deny your health insurance claims.

Claims Settlement in Health Insurance

There is always a doubt in customer’s mind about whether the insurance company will settle the claim or not. One must understand about Claims Settlement Ratio to get a clearer view.

Claim Settlement ratio tells about the claim solving ability of the insurer. A higher claim settlement ratio means that majority of claims are getting resolved. For example, if an insurer has 60% claim settlement ratio, it means that he/she settles 60 out of 100 claims.

The companies mostly accept health insurance claims. That is because the insurers service a network hospitals where a cashless facility is available.

In the case of non-network hospitals, insurance claims are accepted as long as the treatment lies within coverage and stipulated requirements have been fulfilled. It must be fairly clear that no insurer rejects a legitimate insurance claim.

Steps Involved In Claim Settlement

The process is carried out in three stages – claim reporting, claim processing and claim settlement.

In claim reporting, claims can be reported online, at company offices and branches through a special helpline, or through SMS and e-mail.

In claim processing, your claim details are carefully scrutinised. The company assesses your claim and raises a requirement within a week or so. It also informs you of any pending documents.

The final step is claim settlement. Once the claim request is approved, and all the documents have been received, the claims are settled, provided no investigation is required. Moreover, to reduce hassle, electronic modes of transfer are used to pay your claim.


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Claim Settlement in Health Insurance in India (Rank Princess – SEO)

When buying a new health policy, the area of concern for the most is perhaps ‘claim settlement’. While we supposedly refer to the process as complicated but with proper awareness, claim settlement in health insurance can be made smooth and hassle-free.

Why Do You Need a Go Claim Settlement in Health Insurance in India

When buying a new health policy, the area of concern for the most is perhaps ‘claim settlement’. While we supposedly refer to the process as complicated but with proper awareness, claim settlement in health insurance can be made smooth and hassle-free.

Why Do You Need a Good Health Insurance Policy?

Nowadays, with the remarkable increase in the expenses associated with medical procedures and treatments, investing in real health insurance plans has become a necessity. To enjoy the monetary respite and peace of mind, especially in times of need, you have to have a medical insurance cover for you and your loved ones.

What Should You Consider Before Purchasing Health Insurance?

It is quite obvious that you will be doubtful about whether the insurer or the private company would settle your claim or not. To help you understand let us first discuss three important insurance claim ratios:

  • Claim Settlement Ratio for Health Insurance: It implies the claim solving capability of the company. The ratio would be high when the majority of the claims are solved. The ratio is calculated as (Number of Claims Settled)/(Number of Claims Reported + Number of Claims Outstanding at the Start of the Year – Number of Claims Outstanding at the End of the Year)
  • Claim repudiation ratio: It gives you an idea about the percentage of claims rejected by the health insurance company. It is calculated as (Number of Claims Rejected/Total Number of Claims)%
  • Claim pending ratio: It tells you about the claims that are neither approved nor rejected. It is calculated as (Outstanding Claims/Total Claims)%

Meaning of Claim Settlement and How Does the Data Help?

The claim ratio data gives you a clear insight into the history of the insurance company’s claim handling process. Although new insurers would naturally have low ratios, claims data helps you in analysing companies that have been in business for the same period.

If you have already invested in a valuable health insurance policy, you need to be familiar with all the aspects of claim settlement for easy dealings.

Claim Settlement Types

Cashless Claims

In the case of a planned hospitalisation, you can select a cashless settlement. Make sure you follow these steps for a hassle-free process.

  • Check whether the health condition is covered according to the terms and conditions of the policy. Also, track a hospital included in the network of the insurer before going ahead with cashless hospitalisation
  • Inform the insurance company that you want a cashless claim on your policy. Fill the Pre-Authorisation Form during admission and submit it to the TPA counter
  • Submit documents such as the Cashless Card given by your insurance company and some documents for identity at the TPA counter
  • The original hospitalisation documents will be kept by the insurer once you receive the cashless approval. Therefore, keep a copy of the documents for your records
  • Check the pre-post hospitalisation cover in the health insurance plan. Retain all the medical reports, prescriptions and bills to claim expenses

Reimbursement Claims

Some policies do not offer cashless claim facility. In such cases compensation claims can be made in the following ways:

  • You need to inform the insurer by submitting the duly filled claim form offered by the company within 30 days after discharge from the hospital
  • Submit all the original medicine bills, hospital bills, and reports duly signed and stamped
  • The Discharge Summary issued by the hospital after your discharge has to be given to the company
  • The follow-up prescription, showing that you are fit after hospitalisation, has to be given in the original. You need to submit the bills within three to four months after discharge for post-hospitalisation expenses
  • For future reference, you must retain copies of all the documents submitted

LSI Keywords: claim settlement ratio of health insurance companies, claim settlement ratio, claim settlement ratio for health insurance, Meaning of Claim Settlement



Claims Settlement In Health Insurance In India (Rank Princess – SEO)

The IRDA is the sole governing institute for all insurance bodies in India. An average consumer puts in a lot of effort into assessing the claim settlement ratios of individual insurance companies before they buy their product.

Understanding past claims and track record of settlements of an insurance company is important while shopping for a medical claim insurance. While this may be an essential parameter to judge the institution, it’s certainly not everything. Read on to know more.

Claim Settlement Ratio in Health Insurance

Claim Settlement Ratio in health insurance is the ratio of claims submitted to claims settled in a given time. The proportion of claims filed against the number of claims paid or settled is measured. When all submitted claims are paid, the company can claim 100% settlement ratio. Subsequently, when there are rejected claims – the ratio is below 100%.

Why do Health Insurance Claims get rejected?

Health insurance claims are mainly rejected due to the following:

  1. Pre-listed conditions within the contract:

To keep the plans viable and make premiums affordable, the insurance provider lists certain conditions like waiting periods, sub-limits and exclusions. Therefore, claims that fall into these categories are exempted. These are approved by IRDA.

  1. Fraudulent and misrepresented claims:

Falsified records or undisclosed information if traced, can lead to claim denial. This is usually the case where petitioners sign their forms without thorough study.

Outrageous charges quoted by the treating doctor or the hospital, fraudulent claims by a group of patients, etc. are also not entertained.

An efficient health insurance company that has proper legalities in place is due to see rejections. This proves that claims settled and rejected are both in accordance with the contract, without deviations.

How to Ensure 100% Claim Settlement

Here are some key parameters to make sure your claim is not rejected:

  • Always fill the contract yourself and read the proposal document thoroughly before signing.
  • Take the time to analyse terms and conditions of the policies. Use web services and online comparison tools to find your perfect health insurance plan
  • Private analyses indicate that about 95% of health insurance claims are rejected. Ensure that all past and present health conditions are truthful
  • Make sure declarations of the dependants like parents and in-laws, spouse and children are updated.
  • File claims within the time frame in the contract.
  • Provide all the necessary details requested by your insurer. Speak to your broking firm or an agent for clear understanding.

What to do when your Claim is rejected?

The following is the route to take when filing a grievance:

  • Go back to the contract and check for inaccuracies and misinterpretation of information.
  • Contact TPA to rule out systemic errors or communication problems.
  • Check supportive documents submitted for the medical insurance being claimed. Ensure all reports, bills including pharmacy receipts are there.
  • Talk to your doctor or hospital about providing adequate proof if your claim is denied for unnecessary medical procedure.
  • Register an appeal with the insurance company first, stating all the reasons and with all the proofs.

Insurance Ombudsman

If your insurance company further rejects your claim or if there is no response within 30 days of filing, you can register a complaint with the insurance Ombudsman, who will then follow legalities to test your claim and offer a solution.

Top Five Health Insurances for 2015-16

  • Apollo Munich: 89%
  • Religare: 87%
  • Star Health: 79%
  • Max Bupa: 86%
  • Cigna TTK: 94%


insurance Ombudsman

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Claim Settlement Ratio

100% Claim Settlement


What to do when your Claim is rejected