Ek Croreएक करोड़
Insurance

Insurance

6 articles

Insurance

Critical illness insurance vs health insurance: do you need both?

Health insurance reimburses hospital bills. Critical illness insurance pays a lump sum on diagnosis — for anything. A cancer diagnosis costs far more than hospital bills: lost income, continuing EMIs, caregiver costs. Health insurance covers the ₹8 lakh hospital bill; critical illness cover handles the ₹21 lakh of everything else. Here's why you likely need both.

25 Jun 2026·7 min read
Insurance

Health insurance portability: how to switch insurers without losing your waiting period benefits

Unhappy with your health insurer? IRDAI rules let you port to a new one while keeping your pre-existing disease waiting period credits — so you don't restart from scratch. The catch: you must apply 45–60 days before renewal, and acceptance isn't guaranteed. Never cancel the old policy until the new one is confirmed.

25 Jun 2026·6 min read
Insurance

Health insurance in India: how to compare room rent limits, co-payment, and no-claim bonus before you buy

Two ₹10L health insurance policies can give very different payouts in a real claim. A room rent limit of 1% of sum insured can reduce your entire ₹3.2L hospital bill reimbursement to ₹1.92L through proportionate deduction. This guide explains room rent limits, co-payment, NCB, and PED waiting periods — the four clauses that determine what you actually get.

11 Jun 2026·8 min read
Insurance

Term insurance vs endowment vs ULIP: what they cost and what you actually get

All three give you life cover. Beyond that, the maths diverge sharply. At the same ₹1 lakh annual premium, term insurance plus an equity SIP builds approximately ₹2.59 crore over 30 years. An endowment plan at the same premium builds approximately ₹64 lakh, with 6x less life cover throughout.

24 May 2026·9 min read
Insurance

Why your employer's group health insurance is not enough: what it doesn't cover and what to buy instead

Your employer's group health cover has five critical gaps — no portability when you leave, room rent sub-limits that cut all your claims, and sum insured too low for a major illness. Here's what they are and what to buy alongside it.

16 May 2026·7 min read
Insurance

How much term life insurance do you need in India? A salary-based calculation guide

Term insurance gives pure life cover — no investment component. For a ₹15L salary, you need ₹1.5–2.25 Cr in cover. Here's the calculation, what affects premiums, and what to check before buying.

13 May 2026·7 min read