Health Insurance Restoration: Check Which Claim Can Use the Extra Cover
Restored health cover is useful only when your claim can access it. Compare current policy clauses, test one large claim and a later admission,…
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Insurance
LIC’s New Health Plans: A Fixed Payout Is Different from Hospital-Bill Cover
LIC’s new health plans go on sale on 19 October 2026. Understand fixed cash benefits, hospital-bill cover and the contract questions to ask before…
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Why Traditional and Moneyback Plans Often Struggle to Beat Inflation
A big maturity amount or regular moneyback payment can hide a low annual return. Learn how to check bonuses, cash flows and inflation before…
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Why ULIPs Often Make a Poor Investment Choice
A detailed comparison of ULIPs with separate term insurance and investing: charges, lock-in, cover, flexibility and the return you actually receive.
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Does Your Family Know How to Claim Your Life Insurance?
A life policy helps only if your family can find it and claim it. Create a simple record of the cover, nominee, documents and…
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Your Insurance Form Matters More Than the Sales Promise
Read the insurance application yourself. Accurate answers and a saved copy can help your family avoid preventable claim disputes.
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A Bigger Health Cover May Not Pay for Every Hospital Stay
A base policy, top-up and super top-up can work differently. Understand the deductible before adding their cover amounts together.
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Cashless Health Insurance Does Not Mean a Zero Hospital Bill
Cashless insurance changes how an approved claim is paid. It does not promise to pay every item on the hospital bill.
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NPS Swasthya: What Does the ₹30 Lakh Health Cover Actually Pay?
A health insurance headline can sound reassuring: cover of up to ₹30 lakh alongside retirement savings. But before choosing NPS Swasthya, look at the…
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A Practical Checklist for Health Insurance
Two policies can both say five lakh cover and behave very differently at the billing counter. The small print to check before you buy,…
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