Insurance

Oct 5, 20269 min read

Your Health Insurance Won't Save You Abroad: What Travel Insurance Actually Covers (2026 India Guide)

Travel insurance explained for Indian travellers: Schengen €30,000 rule, what it covers, indicative costs, exclusions, claims, and a 7-point checklist.

Oct 4, 20267 min read

What Is a Super Top-Up Health Plan? The ₹4,000-a-Year Way to Turn ₹5 Lakh Cover Into ₹20 Lakh (2026)

What is a super top-up health plan? How super top-ups work, deductible rules, indicative costs, top-up vs super top-up, 5 mistakes to avoid — 2026 India guide.

Oct 3, 20269 min read

What Is the Real Difference Between a ULIP and a Mutual Fund — and Which One Actually Leaves You With More Money?

What is the real difference between ULIP and mutual funds? Charges, lock-in, tax and the IRDAI's Sep-2026 mis-selling proposals — the math before you decide.

Oct 2, 20269 min read

Senior Citizen Health Insurance After 60: the 10% Premium Cap, Its Loophole, and What Your Parents' Cover Really Costs

Senior citizen health insurance India: IRDAI's 10% premium cap, no entry-age limit, co-pay traps, costs at 60/70/80 — the renewal loophole nobody mentions.

Oct 1, 20269 min read

How Much Term Insurance Do You Really Need? The ₹1 Crore Myth vs the Math

₹1 crore of term cover sounds big — but worked math shows it falls short for most families. The HLV method, claim ratios and 2026 costs, explained simply.

Sep 30, 20269 min read

IRDAI Wants to Cut Your Health Agent's Commission — Here's Why That Could Be Good for You

IRDAI's Sep 23 draft proposes capping health insurance commissions: 20% first-year, 10% on renewals. What it means for your premium, renewals and portability.

Sep 29, 20268 min read

Why Health Insurance Claims Get Rejected in India: 8% Rejected, ₹94,248 Crore Paid (IRDAI FY25 Data)

IRDAI FY25: 8% of health insurance claims rejected — 1 in 12 got nothing. Real rejection reasons, new insurer-explanation rules, claim timelines, and how to get paid.

Sep 28, 20267 min read

Health Insurance GST Is Zero Now — But Your Premium Still Rose. Where Did the 18% Go?

One year after GST on health insurance went to zero, premiums are still rising. The ITC trick, LocalCircles data, IRDAI's claim timelines and what to check at renewal — explained simply.

Sep 27, 20267 min read

Buying a New Car This Festive Season? Your Dealer Can't Force Insurance on You — IRDAI's New Rules Explained

IRDAI proposes zero commission on new-car third-party insurance and bans forced dealer insurance. What new-car buyers must know this festive season.

Sep 26, 20268 min read

IRDAI's Big Commission Reset: Insurance Stocks Crashed 34% — Will Your Premiums Fall?

IRDAI proposes caps on insurance commissions — life up to 25%, health 20%, zero on new motor TP. Policybazaar parent crashed 34%. Explained simply.