Choose the right cover, confidently
Straight answers to the questions that actually decide your claim — how much cover, which clauses matter, and how to switch. Written by a licensed IRDAI broker, in plain English.
Health insurance
Sizing cover, the clauses that decide your claim, and switching.
How much health insurance cover do you actually need?
A practical way to size your sum insured — by city, family stage and the cost of the treatments you would actually claim for.
Read the guideRoom rent limits and co-pay: the clauses that quietly cut your claim
Two small print terms decide how much of your hospital bill you actually get back. Here is how they work and what to look for.
Read the guideWaiting periods in health insurance, explained
Initial, pre-existing disease, specific-illness and maternity waiting periods — what each one means for when your cover actually starts.
Read the guideTop-up vs super top-up vs base plan: which layer do you need?
How the three health-cover building blocks differ, and how to combine them for the most cover per rupee.
Read the guideHow to port your health insurance to a better plan
You can switch insurers without losing the waiting periods you have already served — if you port correctly and on time.
Read the guideHealth insurance for senior citizens and parents
Cover for older parents works differently — higher premiums, co-pay, sub-limits and medicals. Here is how to buy it well.
Read the guideTerm & life insurance
Protecting your family: how much cover, which plan, and claim-proofing.
How much term life cover does your family actually need?
A simple way to size a term plan — from income replacement, debts and goals — so your family is neither under-covered nor over-paying.
Read the guideTerm vs return-of-premium vs whole life: which should you buy?
Why plain term almost always wins on value, and when a return-of-premium or whole-life plan actually makes sense.
Read the guideWhy term claims get rejected — and how to make yours claim-proof
Almost every avoidable term-claim rejection traces back to one thing: disclosure. Here is how to buy so your family is paid without a fight.
Read the guideTerm insurance riders: which add-ons are worth it?
Accidental death, critical illness, disability and waiver-of-premium riders can strengthen a term plan — or pad the premium. How to choose.
Read the guideMotor insurance
Cover for your car and two-wheeler.
IDV explained: how your car’s insured value is set (and why it matters)
Insured Declared Value is the maximum a motor claim can pay and the base your premium is built on. Set it wrong and you lose either way.
Read the guideNo Claim Bonus: how it works and how not to lose it
NCB can cut your motor premium substantially after claim-free years. Here is how it builds, how a small claim can wipe it, and how to keep it.
Read the guideThird-party vs comprehensive car insurance — and the add-ons worth buying
Third-party cover is the legal minimum; comprehensive protects your own car too. Here is the difference and which add-ons actually earn their premium.
Read the guideGeneral insurance
Everything else you insure.
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