What Is No Claim Bonus In Health Insurance? 
A No Claims bonus is something that is more common with car insurance than health insurance . Think of it as the `` Good Hands Discount '' that good drivers receive , in the form of lower monthly premium payments , in exchange for not having accidents or other driving problems . While a No Claim Bonus is available in some other countries , and did exist in the U.S. in the past , such a practice is no longer allowed under regulations contained in the Afford Care Act that state insurance companies can not charge different premiums to people based on their health or claims history . 