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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.
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.
Expert explains how deductions up to Rs 5,000 are included for preventive check-ups under Section 80D.
A rejection letter is not the same as a final verdict.
What you choose to say while buying insurance often matters more than you realise later.
Insurance analysts reason that individual life and health insurance premiums are exempt from paying GST, so insurers cannot claim any ITC on policy premiums, since no GST was paid.
A non-disclosure rejection can feel accusatory at exactly the wrong time, but it is often a documentation dispute rather than a final verdict. A calm, well-organised response with the right medical records and timelines can materially improve your chances.
Budget 2026 Expectation: The biggest concern, Tyagi feels is the unresolved ITC anomaly. The industry continues to bear a significant burden. Either ITC should be allowed, or the ecosystem will eventually have to absorb higher costs.
Policyholders are choosing higher health cover, longer tenures, EV-focused motor plans, and early retirement products
The biggest surprises in health cover are rarely about premiums. They are about definitions, disclosures and small clauses that suddenly matter when you are in a hospital.
