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Good health warrants more than just relief—it deserves rewards. Choose a health plan that offers a No Claim Bonus and gradually enhances your coverage
Reasons to Choose Care Health Insurance?
High SI Options
Automatic Recharge
Pre & Post-Hospitalisation
Global Coverage*
No Claim Bonus (NCB) rewards you for not filing claims during a policy year. If you stay claim-free, your base sum insured increases by 10% at each renewal, offering higher coverage over time.
This bonus can reach up to 50% of your base sum insured. Making a claim results in a 10% reduction in the bonus, but your coverage will never fall below the original sum insured. Each claim-free year boosts your NCB, giving you more financial protection without increasing your premium.
No Claim Bonus (NCB) boosts your base sum insured when you go a policy year without filing a claim. It is added at renewal and enhances your coverage over time.
Example of NCB buildup:
Year 1: 10%
Year 2: 10%
Year 3: 10%
Year 4: 10%
Year 5: 10%
Therefore, after more than 5 years without claims, the NCB can increase by up to 50%.
Disclaimer: The illustration is indicative and meant for explanation purposes only. Actual NCB benefits, such as accumulation and reduction, may differ depending on the policy terms, conditions, and features.
Each claim-free year boosts your policy's value. Here’s a simple example of how your No Claim Bonus grows and enhances your coverage over time.
| Year | Base SI (โน Lakh) | No Claim Bonus (โน Lakh) | Total Coverage (โน Lakh) | Claim Status |
|---|---|---|---|---|
| 1 | 10 | 0 | 10 | No Claim |
| 2 | 10 | 1 | 11 | No Claim |
| 3 | 10 | 2 | 12 | No Claim |
| 4 | 10 | 3 | 13 | No Claim |
| 5 | 10 | 4 | 14 | No Claim |
| 6 | 10 | 5 | 15 | No Claim (Max NCB reached) |
| 7 | 10 | 4 | 14 | Claim Made |
| 8 | 10 | 3 | 13 | Claim Made |
| 9 | 10 | 2 | 12 | No Claim |
| 10 | 10 | 3 | 13 | No Claim |
Disclaimer: The illustration above is for reference only. NCB is determined solely by the base sum insured, and actual benefits may vary depending on the policy's terms and conditions
No Claim Bonus Super (NCB Super) is an optional add-on that boosts your No Claim Bonus by substantially expanding your coverage each claim-free year. If you don't make a claim, your sum insured increases by 50% at renewal, in addition to the standard NCB benefit.
This bonus can increase up to 100% of your original insured amount. If a claim is made, the bonus decreases by 50%, but your coverage will always stay at least the base sum insured.
NCB Super is automatically added at renewal, covering only the base sum insured and excluding recharge benefits.
Not all bonuses are the same. While both NCB and NCB Super reward good health, one accelerates your coverage growth more than the other.
| Feature | No Claim Bonus (NCB) | No Claim Bonus Super (NCB Super) |
|---|---|---|
| Type | In-built benefit | Optional add-on cover |
| Increase per year | 10% of the base sum insured | 50% of the base sum insured |
| Maximum limit | up to 50% of base SI | Up to 100% of base SI |
| When applied | If no claim is made | If no claim is made |
| Impact of the claim | Reduced by 10% | Reduced by 50% |
| Minimum coverage | Never below base SI | Never below base SI |
| Applicability | Base benefits only | Base benefits only |
| Recharge benefits | Not included | Not included |
Note: NCB and NCB Super apply only to the base sum insured and do not include recharge benefits. The increase in coverage does not affect sub-limits, and actual benefits may differ depending on policy terms and conditions.
Here’s a quick example of how NCB and NCB Super work together to boost your coverage each year you go without making claims.
| Year | NCB | NCB Super | Total Coverage |
|---|---|---|---|
| Year 1 | - | - | โน10 Lakh |
| Year 2 | โน1 Lakh | โน5 Lakh | โน16 Lakh |
| Year 3 | โน1 Lakh | โน5 Lakh | โน22 Lakh |
| Year 4 | โน1 Lakh | - | โน23 Lakh |
| Year 5 | โน1 Lakh | - | โน24 Lakh |
| Year 6 | โน1 Lakh | - | โน25 Lakh |
Total Growth: โน10Lakh→ โน25Lakh (150% increase)
Disclaimer: This illustration assumes continuous claim-free years. In the event of a claim, NCB and NCB Super will be reduced in accordance with the policy terms. Actual benefits may vary.
No Claim Bonus rewards you for remaining claim-free by increasing your coverage and boosting the overall value of your health insurance over time.
Disclaimer: Stay healthy, skip the claims, and watch your coverage quietly level up.
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Before relying on NCB benefits, ensure you understand the main conditions that affect how your bonus is earned and adjusted.
Not every policyholder benefits equally from NCB. It is especially beneficial for individuals seeking sustained coverage growth without experiencing premium increases.
Your No Claims Bonus can greatly enhance your coverage without raising your premium—if managed carefully. Here’s how to make the most of it:
Stay Claim-Free: Each claim-free year can raise your sum insured by 10%, up to a maximum of 50% over five years. For instance, a โน10 lakh policy could grow to โน15 lakh at no extra charge.
Avoid Small Claims: Pay small medical costs out of pocket to keep your claim-free status intact and let your NCB grow.
Renew on Time: Always renew your policy during the grace period, which is usually 90 days. Failing to do so may result in you losing your accumulated bonus.
Understand Your Policy: Verify if your NCB is a cumulative bonus (extra coverage) or a premium discount, as each provides different value.
22100+
Cashless Healthcare Provider^^
74.5 Lakh+
Insurance Claim Settled
96.95%
Claim Settlement Ratio
15 Crore+
Lives Covered Since Inception
24 X 7
Claim Support
A No Claims Bonus rewards you for staying claim-free—but you need to ensure you actually receive it. Here’s how:
Pro tip: Don’t just renew—review. Your NCB deserves a second look.
Your NCB can significantly enhance your health coverage, but a few mistakes could ruin it. Here’s what you need to watch for:
Look for hospitals around you
NCB rewards claim-free years by providing higher coverage options upon renewal.
Your accumulated NCB may be reduced or reset, depending on your policy terms.
Remain claim-free, steer clear of small claims, and renew your policy punctually. You may also include the advantages of NCB Super.
Yes, a claim from any member can affect the NCB of the entire policy.
Get the best financial security with Care Health Insurance!
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Disclaimer:^Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
^^Number of Cashless Healthcare Providers as of Dec 2025
**Number of Claims Settled as of Dec 2025
*The Premium Payback benefit refunds the first-year base premium after each block of 5 consecutive claim-free years
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