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Stronger banks will pay less, weaker banks will pay more, and the rules of risk are being rewritten
Policyholders must prioritise full disclosure and rigorous documentation at the start to prevent insurers from using technical excuses to deny a claim
Medical inflation is rising fast. A clear health funding plan is as important as a retirement corpus.
Buying life insurance early locks in lower premiums, better eligibility, and long-term protection at the most affordable cost.
The General Insurance Council has finalised standard treatment and admission guidelines for seven of the country’s most common infectious diseases following extensive consultations with healthcare providers
An analysis of the insurer’s claims shows that early-stage cancer treatment typically costs between Rs 5 lakh and Rs 7 lakh per case
Earlier, insurers deducted TDS on the interest component of MACT-awarded accident compensation paid to insured taxpayers if the interest exceeded Rs 50,000.
After half a decade of continuous tax and regulatory recalibration, Budget 2026 marks the first deliberate pause in insurance-specific reforms, raising a larger question on whether the sector has finally entered a phase of policy stability.
With Budget 2026 nearing, insurers seek higher tax deductions, extension of benefits to the new tax regime, and GST input tax credit relief to boost coverage and contain premiums.
The survey links structural reforms in the insurance ecosystem to the creation of a stable, long-duration capital base required for infrastructure financing
Unless these cost inefficiencies are dismantled, insurance will remain expensive for customers and limited in reach, despite the sector’s strong balance sheets and financial stability, the report says
The next phase of insurance growth will be driven not by incremental capital, but by policy choices that improve demand quality and duration of liabilities.
Key demands include hike in tax deductions, extending tax benefits to new tax regime for both health and life insurance plans, and to resolve input tax credit (ITC) on GST.
The IRDAI has played a central role in this expansion through a series of phased structural reforms.
With the new regime now the default option, expectations are rising that Finance Minister Nirmala Sitharaman may use this year’s Budget to better balance lower rates with meaningful incentives
IRDAI mandates AYUSH coverage for hospitalisation, OPD consultations for alternative therapies are generally excluded unless specifically offered by the insurer
Critical illness plans sound focused, but they often leave bigger gaps than people expect.
While long-term policy retention remains healthy, brokerages cautioned that deterioration in recent cohorts could become a key monitorable for the sector over the coming quarters
Banks often bundle insurance with personal loans as “peace of mind”, but for many borrowers it adds cost without adding real protection.
What third-party motor insurance covers, why it is compulsory, and how much vehicle owners actually pay annually.
The health plan for CGHS beneficiaries serves as a complementary option alongside existing plans for central government employees.
Most claim problems don’t come from bad luck — they come from small decisions made much earlier.
India’s insurance sector is evolving rapidly, with insurtech and digital platforms expanding access, improving experience, and driving adoption.
While no formal timeline has been announced, executives said monoline and sector-specific licensing is likely to feature on IRDAI’s policy agenda, 2026 emerging as a potential window for implementation
Those fine-print caps in health insurance policies often matter more than the headline cover amount. Here’s how room rent limits and sub-limits quietly shrink claim payouts—and what you should check before you land in hospital.
