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    • Two health insurance policies, one hospital bill: How it actually works

      You can use multiple policies for the same treatment, but the claim has to follow a sequence, not overlap.

    • Hospital pricing opacity, lack of standardisation hurting health policyholders: Universal Sompo General Insurance MD Sharad Mathur

      A key contributor to medical inflation is not treatment quality but the increasing 'ambience' and luxury in hospitals, Mathur tells Moneycontrol

    • Insurers cannot reject claims over licence format doubts, rules Delhi High Court. Here's why

      Policyholders must understand as long as due diligence is done and documents verified, claims cannot be denied on weak or unproven grounds, say experts

    • IRDAI grants 12-month relief for IFRS, RBC rollout to all insurers

      The regulator, at its 135th Authority meeting held on March 30, approved amendments mandating insurers to prepare financial statements under Ind AS from April 1, 2026, but allowed a one-year regulatory forbearance for companies unable to immediately comply with the new framework.

    • General insurers seek 1-year extension to April 2027 for IFRS, RBC rollout

      While some insurers believe they can operationalise the transition within a shorter timeframe, the industry has collectively opted to seek a longer buffer. 

    • What IRDAI’s Public Insurance Registry aims to fix 

      The Public Insurance Registry is still in the design and consultation stage, with discussions ongoing between the regulator and industry stakeholders

    • New insurance accounting rules from April 1: What Ind AS shift means for insurers, policyholders

      The changes may significantly alter actuarial calculations, profit recognition, and balance sheets for insurers, even as policyholder contracts themselves remain unaffected

    • 'Most overlooked one': Financial educator explains why Bengaluru techie earning Rs 20 LPA isn’t fully secure

      A post by finance influencer Neha Nagar went viral after she highlighted the hidden financial risks faced by a salaried professional, stressing the need for proper insurance and planning.

    • Accident during election duty: Who bears liability for requisitioned vehicles?

      Insurance contracts are premised on risk during private operation, not when possession and control shift to government authorities

    • IRDAI expected to examine ‘dark patterns’ as survey flags widespread use on insurance platforms

      Survey finds over 80% users faced manipulative design practices; interface interference most common

    • Should you take home loan insurance or skip it altogether?

      It sounds like a safe add-on when you take a home loan, but home loan insurance isn’t always as necessary or cost-effective as it is made out to be

    • Why do policyholders ignore in-principle approval from insurer, and how can it prevent claim shocks?

      In-principle hospitalisation is a conditional benefit wherein the policyholder gets a pre-admission confirmation from their insurer, which gives them peace of mind before they reach the hospital

    • Pilots flag war insurance gaps, ALPA issues advisory on West Asia operations

      The core concern is whether standard aviation insurance policies adequately protect crew operating in or near conflict zones

    • Can I add my spouse to my health insurance policy after marriage?

      Spouse can be added to a health insurance policy after marriage. Many couples also choose to shift to a family floater plan, where both partners are covered under a single sum insured.

    • India rolls out Rs 497-crore insurance scheme to shield exporters from West Asia disruptions

      The scheme, titled Resilience & Logistics Intervention for Export Facilitation (RELIEF), seeks to ensure continuity in trade flows as conflict-linked disruptions strain key shipping routes and inflate freight and risk premiums

    • Insurance leads India’s consumer complaints surge, data shows

      Total grievances in the insurance sector touched 2.57 lakh in FY25, up from about 2.02 lakh in FY23, pointing to a consistent increase in friction between insurers and customers

    • Rising stroke risk makes higher cover essential: How much health insurance you need at every life stage

      Rising stroke cases among young adults expose insurance gaps as treatment costs climb to Rs 12 lakh.

    • Iran conflict leaves travellers exposed, war-risk exclusions limit insurance cover, says Generali Central CEO Anup Rau

      Generali Central Insurance is targeting a gross written premium of around Rs 10,000 crore by FY30, roughly double of current levels, Rau tells Moneycontrol in an interview

    • IRDAI steps up push for Public Insurance Registry, Bima Sugam; insurers flag data concerns

      The discussions centred around standardising data-sharing protocols and accelerating system integration across insurers, as the regulator looks to build a centralised repository of policyholder records under the PIR

    • Nearly half of vehicles on Indian roads lack insurance despite digital enforcement push

      According to data cited by the Union government in Parliament, around 54 percent of vehicles in India are uninsured, with 16.5 crore vehicles out of a fleet of about 30.48 crore operating without insurance

    • What happens to your health insurance claim during a nuclear accident, war?

      In such scenarios, compensation/treatment will theoretically fall under government disaster relief mechanisms, not private insurance

    • Does it make sense to buy a Rs 1-crore health insurance policy?

      For those questioning if a Rs 1-crore cover is too much, a glance at private hospital bills in metro cities can be quite revealing

    • Why India is seeking US clarity on insurance cover for ships passing through the Strait of Hormuz

      The discussions come amid fears that the withdrawal of war-risk insurance and rising maritime security risks could disrupt crude oil shipments to India, which relies heavily on supplies from the Gulf.

    • Do you really need insurance for your home loan?

      Some lenders suggest it as a safety measure, but many borrowers are unsure whether it’s necessary.

    • Can insurers reject a life insurance claim after 3 years?

      Under this rule, once a policy has been in force for 3 years, the insurer cannot question or reject a claim based on misstatement or non-disclosure

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