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Health insurance during pregnancy: When unrelated illnesses can lead to claim rejectionWithout maternity cover, pregnancy-related complications aren’t covered, but disputes can arise over whether the exclusion extends to unrel...
New labour code impact: Rs 8k less take home pay likely for employee with Rs 15 lakh CTC; check the impact on CTCs of Rs 10 lakh, Rs 25 lakh and Rs 50 lakhNew labour codes mandate higher provident fund contributions for employees. This change reduces monthly take-home pay for many salaried ind...
Chasing dues could get easier for small businesses under new rules, MSME Secy Bharat Khera explainsThe number of enterprises in the formal ecosystem has increased from around 16.5 million three to four years ago to 92 million currently, s...
Foreign Assets Disclosure Scheme 2026: ₹1 crore limit, 30% tax and December 31 deadline — all you need to knowA new government scheme will open on August 16, 2026, for taxpayers to disclose foreign assets. This one-time voluntary disclosure scheme c...
Can NRIs invest in National Savings Certificate (NSC) and avail tax benefits?The National Saving Certificate (NSC) is one of the popular small savings schemes among Indians investors with a low-risk appetite as the s...
ETMarkets Smart Talk | Equity, mutual funds, bonds or property: Tax rules every NRI should know: Ritu ShaktawatNRIs investing in India must understand tax rules and residential status. Double Taxation Avoidance Agreements offer beneficial tax treatme...
Should you go for accidental death insurance despite having term insurance? Check this before decidingTerm insurance offers protection, but an accidental death rider provides additional payout. This rider is an optional add-on, not a replace...
Missed your term insurance premium? Here's what happens to your policy, claim, and life coverMissing a term insurance premium does not immediately cancel coverage. A grace period allows payment, and nominees receive benefits if deat...
IRDAI issues guidelines for standard travel insurance policies to be offered from April 1, 2021According to the exposure draft, insurers will be allowed to launch five standard travel insurance plan variants under domestic travel and ...
New social security code likely to hike retirals, cut take home pay for salariedWhile the intention of the Code on Social Security is to increase the retiral benefits of the employee, this could impact the take-home sal...
Should you buy Bajaj Capital's coronavirus health policy that pays a lump sum to surviving insured?This is an indemnity type medical insurance policy offered to individuals for reimbursement of hospitalization expenses subject to conditio...
LIC launches two Aadhaar based policiesThis plan is available to standard healthy lives from age 8-55 years, without any medical examination. The maximum age of maturity is 70 ye...
PF lens on companies tweaking pay to reduce contributionsThe PF department has instructed its officers to crack down on companies that structure employees' salaries into different allowances to re...
- Terms and conditions that an insurance contract does not cover.
To bring down the possibility of anti-selection & limit losses, insurers introduce the concept of exclusion to the cover.
- Exclusions clause in insurance policies
To limit losses and to discourage anti-selection, insurance companies make it clear that there will be some 'exclusions' to the cover offer...
- All-in-one policy lets you cover multiple risks
Bajaj Allianz's Star Package Policy policy offers to cover multiple risks and contingencies faced by an individual under a single policy.
- Textile cos seek easier norms for machine imports
The Indian textile industry has asked the commerce ministry not to exclude textile units that had availed funds for modernising their units...