You’re admitted to a metro hospital for a major surgery. The total cost is ₹7 lakh. Your ₹5 lakh...
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Non-Payable Items in Health Insurance: What Is Not Covered
by Nidhi Verma | Apr 15, 2026
Picture this. Your father is hospitalised for knee surgery. You have a solid ₹20 Lakh health...
Moratorium Period in Health Insurance
by Nidhi Verma | Apr 8, 2026
Rajan forgot a minor knee injury on his health insurance policy form at age 30. Eight years later,...
No Claim Bonus in Health Insurance (2026 Guide)
by Nidhi Verma | Apr 6, 2026
Ram bought a health insurance policy with a ₹10 Lakh cover in 2021. He stayed healthy, never went...
IRDAI Perpetual Registration (2026): New Rules for Insurance Intermediaries Explained
by Nidhi Verma | Apr 4, 2026
Ever wondered what happens behind the scenes before an insurance advisor or broker sits across...
Yearly vs Multi-Year Premium Payments in Health Insurance
by Nidhi Verma | Apr 2, 2026
Every year, the same reminder lands in your inbox. Renew your health insurance. And every year,...
IRDAI Annual Report 2024-25 Highlights
by Nidhi Verma | Mar 28, 2026
Every year, IRDAI publishes a report on the state of India’s insurance industry. Most people never...
How to Read a Health Insurance Policy Document (2026 Guide)
by Nidhi Verma | Mar 26, 2026
Rajan, a 38-year-old software professional from Pune, bought a health insurance plan three years...
The Health Insurance Claim Investigation Process Explained (2026 Guide)
by Nidhi Verma | Mar 21, 2026
Picture this. Your father has just been discharged after a week-long hospitalisation. You file a...
How Does Underwriting Work in Health Insurance? (2026 Guide)
by Nidhi Verma | Mar 19, 2026
Imagine this. You fill out a health insurance proposal form. You answer every question honestly....
Health Insurance Plans for People with Diabetes in India
by Nidhi Verma | Mar 18, 2026
Rajan, a 42-year-old from Bangalore, was diagnosed with Type 2 diabetes three years ago. He...
Family Floater vs Individual Plans: Which Is Better for Your Family?
by Nidhi Verma | Mar 9, 2026
Rahul and Sunita are a couple in their late 30s living in Pune. Both working, with one young child...
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