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Policyholders must understand as long as due diligence is done and documents verified, claims cannot be denied on weak or unproven grounds, say experts
Understand what your policy really protects before you pack your bags.
Insurance contracts are premised on risk during private operation, not when possession and control shift to government authorities
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
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
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.
Rising stroke cases among young adults expose insurance gaps as treatment costs climb to Rs 12 lakh.
A top-up policy can increase your health insurance coverage at a relatively low cost, but understanding deductibles and how claims work is important.
In such scenarios, compensation/treatment will theoretically fall under government disaster relief mechanisms, not private insurance
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
Travel insurance can be extremely useful abroad, but some of the most important details sit in the exclusions section that people rarely read.
