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What is no claim bonus in health insurance?

No claim bonus (NCB) is a reward given by health insurance companies to policyholders who don’t make any claims during the policy tenure.

NCB works on the basis of a ‘claim-free year’ and the percentage increases with each successive claim-free year.


The eligibility criteria for a no-claim bonus in health insurance vary from insurer to insurer.

NCB provides policyholders with reduced premiums, longer policy tenure, higher sum insured, and tax benefits.

It also enables policyholders to enhance their coverage by opting for additional riders or add-on covers.

NCB is an excellent way of incentivizing policyholders to stay healthy and practice preventive healthcare measures.

It is important for policyholders to understand the importance of NCB and avail its benefits.

NCB helps reduce the overall cost of the health insurance policy while also providing additional coverage.

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What is no claim bonus in health insurance? MintGenie explains

No claim bonus (NCB) is a reward given by health insurance companies to policyholders who don't make any claims during their policy tenure. It reduces premiums and provides longer policy tenure as well as enhanced coverage.

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What is no claim bonus in health insurance? MintGenie explains

No claim bonus (NCB) is a reward given by health insurance companies to policyholders who don't make any claims during their policy tenure. It reduces premiums and provides longer policy tenure as well as enhanced coverage.

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