# No Claim Bonus in Health Insurance

> How NCB increases sum insured and what happens when you make a small claim.

Category: Health Insurance Guides
Read time: 1 min
Source: https://whiteshield.insure/knowledge-centre/no-claim-bonus-health.html
Markdown URL: https://whiteshield.insure/knowledge-centre/no-claim-bonus-health.html.md

No claim bonus rewards claim-free years with increased sum insured or premium discounts depending on insurer product design. Accumulated bonus can materially improve protection without proportional premium hikes.

Small claims may reset or reduce NCB—evaluate whether minor hospitalizations are worth losing accumulated bonus. Some plans offer NCB protection riders for an additional premium.