What is the new health insurance portal announced by the government?


What is the new health insurance portal announced by the government? Is it functional yet or just an announcement?


The IRDAI promoted Insurance Information Bureau (IIB) has come up with a portal known as the Registry of Hospitals in Network of Insurer or Rohini. The portal is functional and available at https://rohini.iib.gov.in. The treatment facilities on offer, the cost of treatment and cost of claims for each hospital is also provided on the portal. So you can compare health insurance details of various plans and make a call on which one to opt for. The portal currently has a database of 35,000 hospitals with more hospitals being added over time.


I recently saw a newspaper advertisement form an insurance company offering health plan without a medical. Are such plans worth considering?


Insurance policies that do not come with a pre approved medical checkup have a higher premium term compared to policies with a pre approved medical. This is because insurance companies have to safeguard themselves against the higher risk of claims. So you do not get any monetary benefit by avoiding a pre policy medical checkup and instead you end up paying a higher premium. Insurance companies are able to save costs of medical examination for each policyholder but you will need to furnish a self declaration on your medical condition.


Is Critical Care Plan by Cigna TTK a good option if I need an insurance plan that covers lifestyle related diseases?


Lifestyle Protection-Critical Care Plan by Cigna TTK health insurance is a popular health insurance plan offering coverage for lifestyle related diseases. Lifestyle Protection-Critical Care covers up to 30 critical illnesses. Their basic plan covers first 15 and the enhanced plan covers all 30 critical illnesses. The policy however has a waiting period of 90 days before the symptoms of any critical illness first occur for you to be able to make a claim. The policy also offers a free 15 day look in period should you chose it.


Hi Mahesh,

The Ministry of Health and Family Welfare, Government of India has set up the National Health Portal in pursuance to the decisions of the National Knowledge Commission, to provide healthcare related information to the citizens of India and to serve as a single point of access for consolidated health information. The National Institute of Health and Family Welfare (NIHFW) has established Centre for Health Informatics to be the secretariat for managing the activities of the National Health Portal.

The National Health Portal aims to establish a single point access for authenticated health information for citizens, students, healthcare professionals and researchers. Users can get detailed information pertaining to health related issues. You can find information related to diseases, health services, tips for healthy living, health programmes, insurance schemes, health apps and widgets. Users can also get helpline numbers, blood banks details, etc.

This portal is designed, developed and hosted by Centre for Health Informatics (CHI), set up at National Institute of Health and Family Welfare (NIHFW), by the Ministry of Health and Family Welfare (MoHFW), Government of India.

Looking for Health Insurance? Click here.

BB Expert


Hi Reba,

They are many plans that don’t need medical check-up. They are worth considering. One such plan is the Star Health Senior Citizen Red Carpet plan.

This is one of the best Health Insurance plans and aims at securing the sunset years of the elderly. The age group for this plan is 60 to 75 years, with benefits like a cover for pre-existing diseases from the second year onwards, higher sum insured of up to Rs. 10 lakhs and the option to get a guaranteed lifetime renewal. All this, without the need to undergo any pre-insurance medical test.

Looking for Health Insurance? Click here.

BB Expert


Hi Nisha,

The Cigna TTK Lifestyle Protection Critical Care plan has the below features:

Covers 15 Critical Illnesses under Basic plan

Covers 30 Critical Illnesses under Enhanced plan

Wide range of Sum Insured options

Medical Second Opinion from specialists

Customized Online Wellness Programs

Lump Sum or Staggered Claim Payout Options

Sum insured: You will have options to choose a Sum Insured up to Rs 3 Crores*. Eligibility of Sum Insured will be determined based on your income, with the maximum being 10 times of annual income. For non-earning family members, the sum insured is limited to maximum 60% of the earning member for covering spouse. For a dependent child, parents, in-laws and siblings, it’s 30% of earning member’s sum insured

Entry age & renewal: To enroll in this plan, you must be in the age group of 18 to 65 years. You can renew this plan for lifetime, which ensures that you continue to be insured even at higher ages.

Requirement of medical tests: Will be determined based on your age, plan, sum insured and medical history.

Deciding the premium: The premium will depend on the plan, sum insured and policy tenure along with your age, gender and health status. You have an option to avail an annual premium instalment for 2 and 3 years policy.

Policy period: You may choose between a 1, 2 or 3 years policy period.

Cover Type: The policy can be purchased on an individual & family basis.

Relationships Covered: This policy will cover self, spouse, dependent parents and dependent parents in laws in addition to dependent children, dependent grandchildren and dependent siblings up to the age of 25 years

Family discount: There will be a 10% discount on the premium amount for enrolling more than 2 family members under a single policy.

Long Term discount: There will be a 7.5% discount on selecting 2 years and 10% discount on selecting 3 years on a single premium policy

Looking for Health Insurance? Click here.

BB Expert