Critical Illness vs Health Insurance: Key Differences
Critical illness vs health insurance: indemnity vs lump sum, survival periods, what each pays in a cancer case, and whether you need both (Oct 2026).
· 6 min read
Health & Term Insurance Guides
How much cover you need, what to check before buying, and how to avoid claim rejection in India.
All insurance articles
Health Insurance Checklist: 15 Things to Check Before Buying
A health insurance checklist for India: sum insured, room rent, waiting periods, co-pay, sub-limits, cashless rules and IRDAI timelines to check before you buy.
· 6 min read
Health Insurance Portability: Rules, Process and Pitfalls
How health insurance portability works in India as of Oct 2026: which waiting periods carry over, when to apply, the 5-year moratorium and porting traps.
· 6 min read
Home Insurance: Building vs Contents Cover Explained
Home insurance building vs contents cover: what each protects, how to set the sum insured, why market value is wrong, and what tenants need, as of October 2026.
· 6 min read
How Much Term Insurance Cover Do I Need? A Simple Method
Work out how much term insurance cover you need with the income-replacement and needs-based methods, a worked ₹2.3 crore example, and common mistakes to avoid.
· 6 min read
Individual vs Family Floater Health Insurance: Which Is Better?
Individual vs family floater health insurance compared on cost, cover, age and claims, with worked examples to help Indian families choose the right structure.
· 5 min read
Insurance Claim Rejected? Top Reasons and How to Appeal
Insurance claim rejected? See the top reasons health and life claims are denied in India, your IRDAI rights, and the step-by-step route to the Insurance Ombudsman.
· 6 min read
Is Employer Health Insurance Enough? Gaps and How to Fill Them
Is employer health insurance enough in India? See the five gaps in group cover, a worked example of the shortfall, and how to add personal or top-up cover.
· 6 min read
Maternity Insurance in India: Waiting Periods and Limits
Maternity insurance in India explained: waiting periods, delivery sub-limits, newborn cover, employer cover, and when the add-on is worth its cost (Oct 2026).
· 6 min read
Personal Accident vs Term Insurance: Do You Need Both?
Personal accident vs term insurance: what each pays for death, disability and lost income, with a worked example for a ₹12 lakh earner (as of Oct 2026).
· 6 min read
Restoration Benefit vs No-Claim Bonus in Health Insurance
Restoration benefit vs no-claim bonus: how each adds to your health cover, when each actually pays, and which matters more for a family floater (Oct 2026).
· 6 min read
Third-Party vs Comprehensive Car Insurance in India
Third-party vs comprehensive car insurance: what the Motor Vehicles Act requires, what each pays after an accident, fines, and when third-party is enough.
· 6 min read
Top-Up vs Super Top-Up Health Insurance: Which to Buy
Top-up vs super top-up health insurance explained with a worked claim example: how deductibles work, why super top-up is usually better, and costs in Oct 2026.
· 6 min read
Travel Insurance Checklist: 12 Checks Before You Fly
Travel insurance checklist for Indians going abroad: medical cover by country, the Schengen €30,000 rule, pre-existing illness and exclusions (Oct 2026).
· 6 min read
Zero Depreciation Car Insurance: Is the Add-On Worth It?
Zero depreciation car insurance explained with claim math: what the add-on pays, its claim and age limits, exclusions and when to drop it (Oct 2026).
· 6 min read