What is NCB (No Claim Bonus) in Health Insurance? 2025 Complete Guide -

⭐ Introduction

Health insurance me ek important benefit hota hai NCB — No Claim Bonus.
Agar aap ek policy year me koi claim nahi karte ho, insurance company aapko reward deti hai.
Ye reward ya to sum insured increase hota hai, ya premium discount.

Is article me hum NCB ko आसान भाषा me samjhayenge aur 2025 ke rules bhi cover karenge.

🔹 What is NCB (No Claim Bonus)?

NCB ka matlab hota hai: claim-free year me insurance company aapko extra benefit deti hai.

Ye benefit 2 tarah ka ho sakta hai:

1️⃣ Sum Insured Increase (Most Common)
2️⃣ Premium Discount (Older policies me)

Aaj ke health insurance plans me sum insured increase zyada popular hai.

🟢 Types of NCB in Health Insurance

1. Regular NCB (Simple Increase)

Har claim-free year me sum insured 10–20% increase hota hai.
Example:
Base cover = ₹5 lakh
NCB = 20% per year

Year 1 (No claim) → 5 lakh → 6 lakh
Year 2 (No claim) → 6 lakh → 7.2 lakh

2. Enhanced NCB (Super Increase)

Isme sum insured har year 50% tak increase ho sakta hai.
Example:
5 lakh → 7.5 lakh → 10 lakh → 15 lakh

Ye plans expensive hote hain par coverage huge milta hai.

3. NCB Protector Add-on

Agar claim ho jaye tab bhi NCB reduce nahi hota.
Matlab aapka bonus safe rahega.

Example:

Original sum insured: 5 lakh
NCB added: 5 lakh
Total: 10 lakh
Claim: 3 lakh
NCB 100% safe — next year bhi 10 lakh cover

🟧 How Does NCB Work? (Simple Explanation)

Without NCB

Aapka plan = ₹5 lakh
Agle saal bhi = ₹5 lakh

With NCB

Year 1 claim-free → +20% = ₹6 lakh
Year 2 claim-free → +20% = ₹7.2 lakh
Year 3 claim-free → +20% = ₹8.6 lakh

Zyada claim-free years = Zyada coverage.

🔥 Important 2025 Rules for NCB

✔ NCB only next renewal me apply hota hai
✔ Partial claim = Some companies NCB reduce karte hain
✔ Large claim = NCB fully reset ho sakta hai (Protector add-on na ho to)
✔ NCB maximum limit hoti hai (200%, 300%, 500% etc.)
✔ Portability me NCB carry-forward hota hai

🧮 NCB Calculator Example (2025)

Assume:
Base cover = ₹5 lakh
NCB = 20% per year
Maximum NCB limit = 100%

Year	Status	Cover After NCB
1	No Claim	₹6,00,000
2	No Claim	₹7,20,000
3	Claim	₹5,00,000 (Reset)
4	No Claim	₹6,00,000

🧾 Who Should Definitely Take NCB Protector?

Assume:
Base cover = ₹5 lakh
NCB = 20% per year
Maximum NCB limit = 100%

✔ Senior citizens
✔ Families with kids
✔ High likely claim cases
✔ Maternity-specific plans
✔ PED patients

Kyuki claim hone ki possibility zyada hoti hai, but coverage kam nahi hona chahiye.

💡 Best Companies Offering Strong NCB (2025)

❗ Tips to Maximize Your NCB

✔ Small OPD bills ko claim mat karo
✔ Room rent limit ka dhyan rakho
✔ Preventive health checkup ka use karo (free hota hai)
✔ Cashless hospital prefer karo
✔ Timely renewal karao (grace period miss mat karo)

🧩 NCB in Health Insurance – Easy Summary

Claim nahi kro → coverage free me badhta hai
3–5 years me coverage double/triple ho sakta hai
Large claim = NCB reduce/reset
Protector add-on = NCB safe

❓ FAQ (Highly Searched Questions)

1. What is the maximum NCB allowed?

Mostly 100–500% (company to company differ)

2. Does NCB affect premium?

Nahi — NCB sum insured badhata hai, premium nahi.

3. Can I use NCB during the policy year?

No, only at the next renewal.

4. If I port my policy, will NCB transfer?

Haan — 100% carry forward hota hai.

5. Does NCB apply for group health insurance?

Mostly nahi.

Linking Suggestions

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🎯 Conclusion

NCB ek powerful benefit hai jo aapki coverage ko bina extra premium ke increase karta hai.
Agar aap smart tarike se policy manage karte ho, to 3–4 saal me aapka sum insured double ho sakta hai.

Agar aapko coverage loss ka dar hai, to NCB Protector add-on must-have hai.