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Cumulative Bonus Explained
A cumulative bonus increases your sum insured for every claim-free year without increasing the premium.
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What is No Claim Bonus (NCB) in health insurance?
No Claim Bonus, also called a cumulative bonus, rewards each claim-free year, usually by increasing your sum insured without a matching rise in premium for that increase, subject to policy terms. Over time, a consistent claim-free record can meaningfully strengthen your protection.