NCB Rules: Motor vs Health (India) – Carry‑Forward, Lapse, Proofs & Practical Examples

NCB Rules: Motor vs Health (India) – Carry‑Forward, Lapse, Proofs & Practical Examples

NCB Rules: Motor vs Health (India) – Carry‑Forward, Lapse, Proofs & Practical Examples

No Claim Bonus (NCB) motor aur health insurance dono me milta hai, par dono ka logic alag hai. Yahan simple, human tone me samjho: motor me NCB premium discount deta hai, jabki health me zyada tar cases me cumulative bonus ke through sum insured badhta hai. Renewal, portability, proofs, lapse rules – sab kuch one place par.

Note: Ye content educational hai. Rules insurer/product ke hisaab se vary kar sakte hain. Hamesha apni policy wording aur official support se verify karein. Insurance ko simple bhasa me samajhne ke liye InsuranceHero.in par aur guides dekhein.

In one glance (fast clarity):

• Motor NCB = OD premium par discount (20% → 25% → 35% → 45% → 50% cap). Claim karoge to reset. TP premium par NCB apply nahi hota.
• Health “NCB/CB” = sum insured har claim‑free saal badhta (e.g., +10% to +50% p.a.), claim pe reduce/partially reset. Premium discount waali variants bhi exist karte hain (less common).
• Continuity: Motor me expiry ke 90 din ke andar renew → NCB retain. Health me grace (usually up to 30 days) ke andar renew → continuity/CB safe.

Contents

• NCB/CB kya hota hai? (Motor vs Health difference)
• Motor NCB rules (discount slabs, transfer, lapse)
• Health NCB/CB rules (boosters, claim impact, grace)
• Motor vs Health: quick comparison table
• Proofs & documents (renewal/port/retention)
• Examples (numbers that make sense)
• Common mistakes & how to avoid
• FAQs (People Also Ask)
• 1‑page checklist (save/share)
• Related guides on InsuranceHero

NCB/CB kya hota hai? (Motor vs Health difference)

Motor (Car/Bike) insurance: No Claim Bonus (NCB) har claim‑free year par aapke Own Damage (OD) premium par discount deta hai. Yeh discount policy schedule me percentage form me print hota hai. TP (third‑party) premium par NCB apply nahi hota.

Health insurance: Bahut policies me ise Cumulative Bonus (CB) ya No Claim Bonus kaha jata hai. Yahan har claim‑free saal par aapka sum insured badhta (e.g., +20% p.a.) – kisi limit tak (e.g., 100% or 200% of base). Kuch products premium discount bhi dete hain, par aaj ke time me sum insured boost waale variants zyada common hain.

NCB Rules: Motor vs Health

Motor NCB rules (discount slabs, transfer, lapse)

Discount slabs (typical)

• 1st claim‑free year: 20%
• 2nd: 25%
• 3rd: 35%
• 4th: 45%
• 5th and beyond: 50% (cap for most private vehicles)

Remember: Yeh slabs OD premium ke upar lagte hain, TP par nahi.

Claims & reset

• OD claim (jaise accident repair, theft, flood damage) lene par NCB usually reset to 0%.
• Third‑party liability only type situation NCB ko normally impact nahi karta (kyunki NCB OD part par apply hota hai).
• NCB Protector add‑on (agar liya ho) limited claims ke bawajood NCB ko retain kara sakta hai, par conditions apply (claim types/limit).

Carry‑forward, transfer & continuity

• Renewal continuity: Policy expiry ke 90 din ke andar renew karoge to NCB safe. 90 din ke baad lapse.
• Switching insurer: Naya insurer me NCB transferable hai. Proof (NCB certificate/self‑declaration + past policy) dena hota hai.
• Vehicle change (sell → new): Purani gaadi bech di to insurer se NCB retention letter manga sakte ho (generally limited validity). Is letter se NCB nayi gaadi par apply kara sakte ho.
• Ownership transfer (to buyer): Vehicle ke saath NCB transfer nahi hota; NCB owner ka benefit hai.

Caution: NCB mis‑declaration (jab claim liya ho phir bhi NCB continue dikha diya) se claim repudiation ya policy cancellation/NCB recovery ho sakta hai. Always declare truthfully.

Health NCB/CB rules (boosters, claim impact, grace)

CB/NCB types in health

• Cumulative Bonus (CB): Har claim‑free year par sum insured me increment (e.g., +10% to +50%), cap tak (e.g., 100%/200%).
• Super/Booster variants: Accelerated CB (jaldi boost), kabhi kisi claim par partial reduction.
• Premium discount variants: Kuch plans NCB ko premium discount ke roop me dete hain (rare now).
• Restoration benefit ≠ CB: Restore base SI ko same year me refill karta hai, carry‑forward nahi hota.

Claim ka effect

• Claim aane par agle renewal me CB reduce ho sakta hai (e.g., 20% se 10% ya zero) – product‑specific rule.
• Generally, base sum insured reduce nahi hota; sirf accumulated CB impact hota hai.
• Floater plans me ek member ka claim poori family ke CB ko impact kar sakta hai.

Continuity, grace & portability

• Grace (health): Usually up to 30 days. Is period me claim cover active nahi hota, par time par premium pay karne se continuity/CB safe rehta hai.
• Break beyond grace: Policy lapse; continuity/CB reset risk – insurer underwriting re‑start kar sakta hai.
• Portability: Old policy se continuity benefits (including CB) nayi insurer ko transfer ho sakte hain, subject to underwriting/product rules. Proper documents zaroori.

Pro tip: Renewal due se 45–60 din pehle hi portability explore karo. Sab documents timely mil jate hain aur CB continuity safe rehti hai.

Motor vs Health: quick comparison

Aspect	Motor NCB	Health NCB/CB
Kis par apply hota	OD premium discount	Sum insured increment (mostly)
Typical range	20% → 50% cap	+10% to +50% p.a. (cap 100–200%)
Claim impact	OD claim → reset to 0% (NCB Protector exceptions)	CB reduce/zero next year; base SI usually intact
Continuity/Lapse	Renew within 90 days after expiry to retain	Renew within grace (~30 days) to retain
Portability/Transfer	Transferable to new insurer; retention letter on sale	Continuity + CB porting possible (subject to underwriting)

Proofs & documents (renewal/port/retention)

Motor

• Previous policy schedule with NCB % (or NCB certificate from insurer)
• Self‑declaration of no‑claim (insurer format)
• Vehicle sale case: NCB retention letter request + sale proof

Health

• Current policy schedule showing CB/NCB status
• Claim history/CIR (insurer se)
• Portability ke liye proposal + portability forms + continuity certificate

Sample email – Motor NCB certificate/retention letter

Subject: Request for NCB Certificate / Retention Letter – Policy No. ______ – Vehicle No. ______

Dear Team,
Please issue my NCB Certificate/Retention Letter for the above policy. I have not made any OD claims during the policy period.
(If sold) The vehicle has been sold on __/__/____. Kindly issue retention letter so I can use my NCB on the new vehicle.

Regards,
(Name, Mobile, Email, Address)
    

Examples (numbers that make sense)

A) Motor premium impact

OD base premium: ₹8,000; NCB: 35% → Discount ₹2,800 → OD after NCB ₹5,200. Add TP + PA + GST separately. Next year agar OD claim file kiya, NCB reset ho jayega aur OD premium wapas ₹8,000 ke aas‑paas (rate changes aside).

B) Health cumulative bonus growth

Base SI ₹5 lakh; CB +20% per claim‑free year; Cap 100% (max SI ₹10 lakh). 1st year: ₹6L, 2nd: ₹7L, 3rd: ₹8L, 4th: ₹9L, 5th: ₹10L. Agar 6th year me claim aaya, to next renewal par CB reduce ho sakta (e.g., back to ₹8–9L per product rule). Base ₹5L intact.

NCB Rules: Motor vs Health (India) – Carry‑Forward, Lapse, Proofs & Practical Examples

Common mistakes & how to avoid

Avoid these:

• NCB mis‑declaration to cut premium → later claim issues/NCB recovery.
• Motor renewal 90‑day window miss → NCB lapse.
• Health grace miss → continuity/CB reset risk.
• Floater nuance ignore → ek member ka claim sabke CB ko impact kar sakta.
• NCB Protector logic misunderstanding → har claim protected nahi hota; product T&C padho.

Deep explainers, examples aur checklists ke liye InsuranceHero.in ko bookmark kar lo.

FAQs (People Also Ask)

1) Kya NCB TP premium par bhi lagta hai?
Nahi, motor NCB sirf Own Damage (OD) premium par apply hota hai. TP part par NCB nahi lagta.

2) Motor me NCB retain karne ke liye kitna time hai?
Policy expiry ke 90 din ke andar renewal karoge to NCB retain hota hai; uske baad lapse.

3) NCB Protector add‑on sab claims ko protect karta hai?
Usually nahi. Kuch limited claims tak hi protection milta hai; product T&C me exact list hoti hai.

4) Health me CB ka cap kya hota hai?
Product specific: 50%/100%/200% tak common caps. Policy brochure me clearly likha hota hai.

5) Health claim aane par base sum insured kam hota hai?
Aam taur par nahi. CB reduce/zero hota hai; base SI same rehta (policy specific exceptions ko check karein).

6) Floater plan me CB kaise kaam karta hai?
CB poore floater SI par apply hota hai. Kisi ek member ka claim aane par CB impact poori family par ho sakta hai.

7) Health CB portability possible hai?
Haan, continuity/benefits port ho sakte hain subject to underwriting. Proper documents aur timeline (45–60 din pehle) follow karein.

8) Vehicle sell karne ke baad NCB ka kya?
Insurer se NCB retention letter le lo; generally limited validity ke andar new vehicle par apply kar sakte ho.

9) Sirf third‑party claim hua to bhi motor NCB reset hota hai?
NCB OD par apply hota hai. Agar OD claim nahi hua, many cases me NCB impact nahi hota. Exact interpretation insurer T&C par depend.

10) Health me premium discount type NCB ab milta hai?
Kuch products me milta hai, lekin aaj kal zyada tar plans CB (sum insured boost) offer karte hain.

11) Grace period me health renewal karne par claim cover hota hai?
Typically grace me coverage active nahi hota. Par premium pay karke continuity/CB save ho jata hai.

12) NCB mis‑declaration pakda gaya to?
Insurer discount recover kar sakta, claim repudiate ho sakta, policy cancel bhi ho sakti hai. Honesty best policy.

1‑page checklist (save/share)

• Motor: Previous policy + NCB % verify → No‑claim self‑declaration → Renew within 90 days → NCB Protector (optional) → Proofs save.
• Health: Policy schedule me CB check → Renew within grace → Floater impact samjho → Portability 45–60 din pehle initiate → Docs ready.
• Honesty: Mis‑declaration mat karo; emails/invoices/letters cloud me store.

Related guides on InsuranceHero

• Bike Insurance Theft Claim – step‑by‑step + documents
• IDV (Insured Declared Value) – payout & premium par impact
• Health grace period & portability – timelines & tips

Helpful laga? Is guide ko bookmark/share kar lo. Koi rule/term change ho to humein batayein — hum turant update kar denge. Aur insurance ko simple bhasa me samajhne ke liye InsuranceHero.in par aur articles dekhein.

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