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MAHAVIR CHOPRA DIRECTOR
2-hour hospitalisation: What health insurance policies really cover and what they excludeNew health plans cover treatments requiring two hours of hospitalisation, but exclusions remain critical.- Health insurance: How insurers can use ‘material change’ clause to hike your health insurance premium at renewalHealth insurers are introducing a new 'material change' clause in policies. This clause allows them to alter premiums and policy terms. Exp...
- Covering for life, Indians now show a shift to pure protection"We have seen a shift toward the pure protection products as compared to the return of premium policies," said SBI Life recently. "Now 57% ...
- Retain costly health policy or use PMJAY coverage? Seniors have a tough choiceA 70-year-old retiree faces a dilemma over renewing his ₹73,000 health insurance policy or relying on the government's Ayushman Bharat sche...
- Insurer can't reject your claim if you meet this criteriaNew guidelines for health insurance plans issued by IRDAI favour policyholders but premiums could rise.
- HDFC acquires Apollo Munich Health Insurance. What this means for a policyholderYour existing policy contract, features, benefits, terms & conditions, will not undergo a change till expiry.
- Advantages and disadvantages of buying a group health insurance policyMembers of an alumni association, housing society or similar groups can band together to buy a joint health insurance policy.
- Insurance against terror: What's covered and what's notMost travel insurance policies do extend coverage to claims arising out of terrorist attacks, while abroad. But be mindful of the exclusion...
- General insurers’ claim ratios improveFrom policyholders’ perspective, a very low claims ratio may not be desirable.
- How IRDAI panel proposes to make health insurance more buyer-friendlyAn Irdai constituted panel has recommended a simpler definition of pre-existing diseases to prevent any disputes over interpretation.
- Should you buy OPD insurance cover?There is a need for insurance plans that take care of outpatient department (OPD) expenses. However, OPD products have so far failed to bec...
- Planning to renew your car insurance? Here's why it's important to set the IDV correctlySettling for a lower insured declared value may keep the premium lower, but you may also end up with a lower claim amount.
- Who should you buy your health cover from?Some life insurers also sell health insurance policies, both indemnity and fixed benefit covers, the latter being more commonly offered.
- How to pick the best health insurance in 5 easy stepsPolicies with the lowest premium or those with a basket of benefits may not always be the best option for you. Here's how you can make an i...
- Donating life: Both giver and recipient can benefit from insuranceWhile awareness of life-saving organ transplant surgeries is growing in India, knowledge of health insurance coverage may not be as well-kn...
- Are women-only health insurance policies a good buy?Given the low awareness for the need of health cover for women in India, should women opt for products tailored for them?
- IRDA asks health insurers for indicative premiums for five years on new productsThe Insurance Regulatory and Development Authority (IRDA) has asked health insurance companies to indicate premium to be paid by the policy...
- Why health insurance portability may be problematicWhile portability offers greater choice to customers, certain grey areas need to be addressed before buyers can benefit from the change.
- Make sure your policy covers terror risk tooTerror struck once again at the heart of the country last week, laying bare the vulnerable security infrastructure in the country.
- Online aggregators to make insurance easier for youConsumers are set to benefit as Irda’s draft guidelines for insurance websites assure more accurate information and restrict the use of cli...
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