Fertility treatments like IVF should come under insurance cover: Health experts

• Health experts have pitched for an urgent need to include fertility treatments in health insurance plans
• 27.5 million couples in India are suffering from infertility and are actively seeking children, according to a study

Indiabulls takes first step towards general insurance, gets Irdai approval

• 'Indiabulls General Insurance Limited has also received regulatory R1 approval from IRDAI,' the company said
• Indiabulls is in the process to move ahead with the next step of filing its application for registration

Top health insurance plans for you

• Here is a comparison of top health insurance plans for different sum assured and across different age groups
• Only the A-rated health insurance plans have been shown here

Most critical illness plans cover cancer

• It is easier to have a top-up plan issued compared to standard mediclaim
• Health insurance claims can be split across multiple insurers

Term plan premiums: A ready reckoner

• A look at premium rates for some insurance policies of a sum assured of 1 crore across three age categories for policy terms of 30, 25 and 20 years
• The claims settlement rate is measured by the value of the policies as a lower settlement rate is indicative of high ticket-size policies being rejected

The policies that you can buy for ₹1

• The govt also provides a life insurance scheme – Pradhan Mantri Suraksha Bima Yojana – at a premium of ₹1 per month and ₹12 a year
• To begin with, ₹1 is a minuscule amount to spend for an insurance cover. But should you consider it?

Irdai asks insurers to share status of claims with policyholders from July 1

• Insurers need to adopt a clear and transparent communication policy, says Irdai
• The new regulation shall be implemented by insurers with effect from July 1, 2019, Irdai said

Your best options to secure your health with a cover of ₹5 lakh

Here is a comparison of top health insurance plans for different sum assured and across different age groups

Get your insurance claims in instalments soon

• Policyholders of defined-benefit health insurance policies may be given the choice to get claims in instalments or lump sum or a combination of both
• The new guidelines will now allow claimants to have a regular source of income for a reasonable amount of time

Secure the future of your loved ones with a term plan

• A term plan is the only kind of life policy you need to have because it gives you a large cover for low cost
• Buying a term plan also needs due diligence at your end when filling up the insurance policy form called as the proposal form

For autism treatment, insurance an issue

• Under the National Trust Act 1999, the government offers Niramaya Health Insurance scheme for autistic patients
• Currently, Star Health Insurance is the only private insurer in the market with an insurance plan specifically for autism

Bite-size insurance: Is it really worth it?

• Small-ticket insurance cover, also known as sachet or bite-size insurance, is a non-comprehensive plan, focusing on a specific need and comes with a low premium and lower cover
• If you intend to buy bite-size covers then understand the inclusions and exclusions to avoid last-minute surprises

Bank of India looks to divest insurance JV stake worth about ₹1,100 crore

• Bank of India has a 28.96% stake in the joint venture
• The bank is looking to sell 25.02% stake in Star Union Dai-ichi Life Insurance at a floor price of ₹170.50 per share

Insurance: It's unwise to buy plans just to save taxes

• The sale of insurance policies saw a rise in the last three months of the financial year. Experts, however, say that it is unwise to buy plans just to save taxes
• It would be prudent for you to start looking at your insurance plans in the beginning of the financial year

Top health insurance plans for you

• Here is a comparison of top health insurance plans for different sum assured and across different age groups
• Only the A-rated health insurance plans have been shown here

When you port a health policy, accrued waiting period gets shifted to new plan

• Since your existing plan has already been running for more than four years, there will be no waiting period in the new plan. All claims would be admissible immediately.
• You can take a life policy and make an arrangement to ensure that your dogs become the ultimate beneficiaries

Insurance technology gets crowded

• Although insurance technology is still at a nascent stage, firms are attracting investors’ attention.
• $220 million has been pumped in to insure tech companies in first two months of 2019.

Top health insurance plans for you

• Here is a comparison of top health insurance plans for different sum assured and across different age groups
• Only the A-rated health insurance plans have been shown here

Opinion | Should you buy a critical illness or a disease-specific plan?

• A critical illness policy pays a fixed sum if the policyholder suffers from one of the 20-30 specified diseases, including cancer and kidney failure
• Neil Borate asks experts how to choose between a critical illness plan and a disease-specific insurance policy

Most health insurance plans exclude pre-existing diseases for four years

• Do make full disclosure about the previous medical treatment to avoid disputes at the time of claim
• An alternate way to enhance coverage for your son will be through a super top-up health insurance