Insurance Policy
Who regulates the regulator?
India needs strong insurance regulation, but interventions must be judged by their impact on coverage, claims and consumer outcomes. Irdai should correct market failures without prescribing commercial choices.
3 min read14 Oct 2026NPS Swasthya: How the new healthcare savings model works
NPS Swasthya combines a healthcare investment account with a mandatory super top-up health insurance policy.
6 min read5 Oct 2026Rainwater damaged luxury car, insurer denied claim; owner wins ₹2.02 lakh in compensation — here's what happened
A dispute over a vehicle insurance claim for rainwater damage was resolved in the car owner's favour, and he received compensation. Full details about the case here.
2 min read21 Sep 2026NPS Swasthya final rules: 25% healthcare withdrawal cap, mandatory insurance cover up to ₹30 lakh; check details
PFRDA has issued final operational guidelines for NPS Swasthya, specifying healthcare withdrawals, insurance cover, contributions and exit rules. Subscribers can withdraw up to 25% of their contributions for eligible healthcare expense.
3 min read20 Sep 2026Unlimited health insurance explained: Exclusions, waiting periods - 5 things you must check before buying a policy
The actual protection available depends on the terms and conditions of the policy, including its coverage, exclusions, waiting periods, deductibles, co-payments and sub-limits
3 min read19 Sep 2026The claim settlement playbook: from filing to final payout
A promise by a life insurance company for financial protection is put to the test at a difficult time—following the death of a loved one, when the family must navigate the claims process, often for the first time. Here is what nominees need to do at each step to ensure a smoother settlement.
4 min read14 Sep 2026Health insurance claim rejected despite paying premiums? 6 reasons policyholders should know before filing a claim
An active health insurance policy does not guarantee that every medical claim will be paid. Here are six common reasons insurers may reject a claim, from waiting periods to exclusions and missing documents.
4 min read8 Sep 2026Can you nominate a minor for insurance or mutual funds? Here's what you need to know
Investing in mutual funds or insurance requires nominating a person to receive proceeds upon death. Here's whether minors can be nominated and everything else you need to know.
2 min read8 Sep 2026Insurance mis-selling: Retired professor gets ₹10.6 lakh; court says signatures alone don’t prove informed consent
A Hyderabad consumer commission ordered a ₹10 lakh insurance refund to a 73-year-old retired professor after finding the policy was sold without free and informed consent. The bank and insurer were also ordered to pay ₹60,000 in compensation and costs.
3 min read7 Sep 2026Your nominee may be outdated: Check these financial accounts now to avoid family disputes later
Nominee details for financial assets should be reviewed periodically to align with current family circumstances. Changes such as marriage, divorce, or the birth of a child impact these decisions. Here are the financial accounts you must check periodically.
3 min read6 Sep 2026Wait for it…
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