Expert guides, tips, and insights on insurance — from choosing the right policy to filing claims and everything in between.
Senior Citizen HealthStar Red Carpet covers PED after 12 months with 30% co-pay; Niva Bupa Senior First after 24 months, co-pay optional. IRDAI caps senior premium hikes at…
InsuranceWFYP means Waiting For Your Premium: your policy is issued but inactive until payment clears. In industry reports, it stands for Weighted First Year…
Mental Health InsuranceIRDAI made mental health cover mandatory in October 2022, yet under 1% of health claims are for mental illness. Here's what plans cover and how to use it.
Term InsuranceA first-time buyer at 28 needs a different term plan than a co-founder at 35 with a home loan. Compare plans by profile with verified CSR and premium data.
InsurancePolicywings, IRDAI broker DB 835, compares health, life and general insurance from 30+ companies. Here's our process and why it beats going to one insurer.
Term InsuranceHLPP cover shrinks as you repay and pays the bank. Term insurance pays the full sum to your family. Banks earn commission on HLPP. Here's the real…
ClaimCSR tells you if the insurer pays claims. ICR tells you if it can afford to keep paying them. Both matter, but differently for health and life insurance.
Health Insurance"Zero waiting period" health insurance is mostly a marketing claim. Group health insurance is the only route to Day 1 PED coverage. Here's what actually…
Term InsuranceNRIs can buy Indian term insurance 50–70% cheaper than US/UK plans. Most major insurers accept NRIs from USA, UK, UAE, Singapore, Canada, and Australia…
Term InsuranceZero cost term insurance lets you exit the policy after a fixed period and recover premiums paid. It sounds ideal — but the math reveals why it's not…
Term InsuranceAxis Max Life leads on CSR at 99.62% (3yr avg). HDFC Life at 99.68% FY25. Tata AIA at 99.43%. PNB MetLife at 99.57%. SBI Life at 98.83%. Here's the…
Health InsuranceMedicare Premier covers global planned hospitalisation, OPD diagnostics, maternity, and has no room rent cap. CSR is 88.72% — below industry average…
InsuranceSBI Life eShield Next has CSR 98.83% and the Better Half Benefit. HDFC Life Click 2 Protect has CSR 99.68% and more flexible payout options. Here's the…
InsuranceActiv Health Platinum Enhanced covers chronic conditions from Day 1, waives a year's premium on critical illness, and offers 100% HealthReturns. But it's…
Free tools to put real numbers on your money, health and family plans before you choose a policy. Pick one to get started.
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