I had bought Mediclaim Policy with a sum insured of Rs. 1 Lakh and maintaining it for last five years, I had accrued Mediclaim - No Claim Bonus of Rs.25000/-. This year, I had a claim of Rs.15000/- due to hospitalization and am surprised to note that my entire bonus accrued over the last 5 years have been lost as a result of this claim. When I checked with insurance company, the people concerned told me that since 2007, rules have changed. I have some queries on it -
1- Do the NCB for Mediclaim is same as NCB of motor insurance?

2- Is it same for all insurance companies?

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