Comprehensive statutory guides, interactive calculators, and regulatory manuals on Insurance & Risk Protection.
Head-to-head comparison of India's top 3 private term insurance plans: HDFC Life Click 2 Protect, Max Life Smart Total Elite Protection, and ICICI Prudential iProtect Smart. Compare audited IRDAI CSR, ASR, premiums, and Zero-Cost exits.
Master the difference between Claim Settlement Ratio (CSR) and Amount Settlement Ratio (ASR) before buying term insurance in India. Audited 2026 data for LIC, HDFC Life, Max Life, SBI Life, and Tata AIA.
Master new IRDAI health insurance rules: 36-month Pre-Existing Disease (PED) waiting period, 5-year moratorium clause, initial 30-day norms, and portability rights.
Learn how to construct a ₹1 Crore health cover for under ₹15,000 using Super Top-Up health insurance. Understand Aggregate Annual Deductibles vs Top-Up traps, corporate buffer layering, and top plan reviews.
Complete 2026 legal guide to 18% GST on health, car, commercial vehicle, and term insurance in India. Discover Section 17(5) blocked credit exceptions, Income Tax 37(1) deductions, and test eligibility.
Authoritative comparison between Government Ayushman Bharat (AB-PMJAY ₹5 Lakh free coverage including all citizens 70+) and private family floater mediclaim policies: Network hospitals, room rent sub-limits, OPD coverage, pre-existing disease waiting periods, and super top-ups.
Definitive guide comparing life insurance critical illness riders with standalone critical illness policies: Lump-sum survival benefits for cancer, stroke, heart attack, waiting periods, survival clauses, premium locking, and claim rejection traps.
Complete guide to Zero Depreciation (Bumper to Bumper) car insurance add-on vs standard comprehensive motor policy: Plastic/metal fiber depreciation deductions (0% to 50%), claim cost simulations, age limit caps, and repair cost savings.
Authoritative guide to cashless hospitalization in India: Third-Party Administrator (TPA) pre-authorization approvals, emergency vs planned admissions, room rent pro-rata deductions, non-payable medical consumables, and final discharge turnaround time.
Step-by-step guide to porting medical insurance policies in India under IRDAI regulations: Transfer pre-existing disease (PED) waiting period credits, cumulative No Claim Bonus (NCB), 45-day prior application window, insurer rejection rules, and underwriting protocols.
Master guide to room rent limits and proportionate deductions in Indian health insurance: 1% room rent rules, ICU limits, mathematical deduction formulas across surgeon fees and diagnostics, and policies with zero capping.
Complete step-by-step guide to filing an insurance complaint with the Insurance Ombudsman in India: Rule 13 jurisdiction, Bima Bharosa portal, 30-day insurer notice, hearings, binding awards up to ₹50 Lakh, and zero court fees.
Complete guide to migrating from employer group health insurance (GMC) to an individual or family floater retail policy: IRDAI portability rules, 45-day notice window, carrying forward waiting period credits, and premium calculations.
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