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Third-Party vs Comprehensive Motor Insurance Explained

Third party insurance is mandatory but covers only others' losses, while comprehensive also protects your own vehicle. Compare both to decide which you need.

Health Insurance Portability: Switch Insurers Without Losing Your Waiting Period

Most people buy life insurance and then avoid looking at it ever again. This happens until a claim gets rejected, the premium jumps suddenly, or someone tells you, “Hey, you know you can switch your insurer, right?” When on paper, portability sounds pretty simple: move from one insurer to another

Term Insurance vs Life Insurance: What Is Actually Different

Planning to protect your family’s financial future? Choosing the right protection plan could be troublesome with its legal jargon and blueprint. If you have yet to start your research, you will come across two heavy terms: Term Insurance and Life Insurance (specifically Whole Life or Permanent Insurance). It is

Does Term Insurance Premium Increase Every Year?

TL;DR * Standard level-premium plans: No. Your premium is locked at purchase for the entire policy term - 20, 30, even 40 years. IRDAI rules make this a contractual guarantee. * Annual renewable plans: Yes - premium recalculates every year. These are rare in India, but worth knowing about. * Six specific

How Zyra Reviews Your Insurance Policy in Minutes

Most of us buy insurance for the right reasons, with good intentions, and then never look at it again. The policy document lands in our inbox, we save it somewhere "for later," and life moves on. Months or years later, when something goes wrong, we suddenly realize we

Third Party Insurance Meaning: What It Is and What It Actually Covers

Getting a brand new car or motorcycle is an achievement for many people. With all the choices of color options and even test driving your car of choice, the intricate nature of the process involved in filling out the necessary forms might sometimes be overlooked. But one thing that you

Surrender Value in Life Insurance: What You Get If You Exit Early

Life insurance plans are usually considered as financial obligations that take years to reach their maturity. But life can be full of surprises. And there may come days when your priorities change or when some sudden need for money emerges. In these circumstances, your insurance policy can become your alternative

NCB Meaning in Insurance: What a No Claim Bonus Is and How It Works

While insurance may seem like a safeguard against any unforeseen events, the one aspect that is overlooked by many is that it offers rewards for not making any claims. One such lucrative yet underrated aspect of insurance policies is the no-claims bonus in insurance. Be it health insurance or car

Basics

Why Insurance Claims Get Rejected, and How to Avoid It

Failing to disclose facts, wrong information and policy exclusions are top reasons claims get rejected in India. Check these so your claim is never refused.

Health

What Sum Insured Actually Means and Why It Matters

Sum insured is the maximum your insurer pays in a policy year. Learn what it means, how to choose the right amount, and why most Indians stay underinsured.

Life

Term Insurance or Whole Life Insurance: What's the Real Difference?

Term insurance gives maximum cover at low premiums; whole life builds cash value but costs more. Compare both to see which life cover suits your goals.

Health

Sum Insured or Sum Assured: Which One Actually Protects You?

Sum insured reimburses losses (health, motor); sum assured is a fixed payout (life). Know the difference to pick the right policy for the right purpose.

Health

Sub-Limits in Health Insurance – What They Are, How They Work, and What to Watch Out For

Sublimits cap what your insurer pays for treatments like room rent or surgery, even when your total cover is high. See how they quietly shrink your claim.

Life

How to Calculate Your Life Insurance Cover: 10-15x Rule, HLV & DIME

Experts recommend 10 to 15x your annual income in life cover. Learn how to calculate the right amount based on your income, loans, and family needs.

Health

What Is the Free Look Period, and How to Use It

The free look period gives you 15 to 30 days to cancel a new policy and get a full refund. Know your rights under IRDAI rules before you sign anything.

Health

Family Floater Health Insurance: What It Means and How It Works

A family floater covers your whole family under one sum insured. But is it enough? Understand the risks, benefits, and when to choose individual plans instead.

Motor

How to Lower Car Insurance Premiums: 10 Effective Tips

Legally cut your car insurance premium with NCB, voluntary deductibles, security devices and more. Discover 10 actionable ways to save at renewal in India.

Health

11 Health Insurance Myths Indians Believe: And What's Actually True

Think employer cover is enough, or that young people don't need health insurance? We bust the top 5 health insurance myths that leave Indians exposed.

Health Insurance

Maternity Insurance Without Waiting Period: What's Real and What's Not

Looking for maternity insurance without a waiting period? Here's the honest truth: it's rare. Real waiting periods, costs, and how to plan smart.

Health Insurance

How to Compare Health Insurance Plans Without Falling for Sales Pitches

Compare health insurance plans using CSR, ICR, room rent, sub-limits, waiting periods, and hospital networks before looking at premium.

Health Insurance

How Health Insurance Waiting Periods Actually Work

Understand health insurance waiting periods in India, including 30-day, PED, maternity, and disease-specific waits, plus IRDAI 2024 rules.

Health Insurance

Health Insurance No Waiting Period: What "Zero Waiting Period" Plans Really Cover

Health insurance no waiting period plans exist, but not the way ads make it sound. Here's exactly what's covered from Day 1 and what still isn't.

Health Insurance

Best Super Top-Up Health Insurance in India: Is Your Rs. 5 Lakh Policy Enough?

Learn how super top-up health insurance works, how deductibles apply, and what to check before adding extra cover above your base policy.

Health Insurance

Best Health Insurance for Senior Citizens in India: What to Check Before Buying

Buying health insurance for parents? Compare co-pay, room rent, PED waiting periods, PM-JAY cover, and renewal rules before choosing.

Health Insurance

Best Health Insurance in India: How to Choose the Right Plan

Find the best health insurance in India with a simple checklist for claims, hospital network, waiting periods, room rent limits, and value.