What is No Claim Bonus in Health Insurance
No Claim Bonus (NCB) is a reward for not making a health insurance claim during a policy year. In India, NCB can increase your sum insured by 10–50% every year without extra premium. It motivates policyholders to stay healthy and avoid unnecessary claims. If you continue the policy claim-free, the bonus keeps adding up. Some insurers also offer premium discounts instead of a higher sum insured. NCB is lost if you make a claim, so use it wisely. Read your policy terms for specific NCB rules.
