Is your insurer financially stable? Learn what solvency ratio insurance means, why IRDAI mandates a 1.5 ratio, and how it impacts your claims.
Learn how an insurance agent helps with policies, claims, and renewals, and how to verify their license before you buy.
The IRDAI Annual Report is the regulator’s yearly report card on India’s insurance sector. Here are the key FY 2024-25 highlights, what the data means for customers, where to download the report, and how to use it as a safety filter before you buy or renew a policy.
Super top up health insurance adds an extra layer of coverage once your yearly medical expenses exceed the aggregate deductible. Learn how it works, its pros and cons, and how to pair it with a base plan.
In this guide, we compare the best super top up health insurance plans in India based on IRDAI claim ratios, premiums, features, and real-world practicality.
Aditya Birla Activ One Maternity Plan is an aggregator-only combo with Activ One NXT base, maternity rider, and Super Health Plus top-up to reach up to ₹1 crore cover. The ₹50,000 maternity benefit is one-time after a 3-month wait, but 3-year premiums often exceed it.
LIC Nivesh Plus is a single-premium ULIP offering market-linked returns with life cover. But high charges, limited insurance cover, and a 5-year lock-in may reduce overall efficiency compared to buying term insurance and investing separately.
Post Office Gram Suraksha Yojana is a government-backed rural life insurance scheme that provides affordable protection, savings, and bonus benefits for individuals in villages and semi-urban areas.
A keyman insurance policy protects businesses from financial loss caused by the death of a critical employee. This guide explains eligibility, tax treatment, benefits, and how companies structure keyman cover in India.
Ajay Seth, ex-Finance Secretary and senior IAS officer, is now IRDAI Chairman. He steps in amid key reforms—faster claims, simpler policies, and better support. His rich govt experience could drive more accessible, transparent, and fair insurance for all.
Jio Financial Services and Allianz have signed a 50:50 joint venture to enter India’s reinsurance market. The JV awaits IRDAI approval and marks Allianz’s full-fledged domestic entry, creating competition for GIC Re and foreign reinsurers while boosting India’s risk-sharing capacity.
IRDAI has flagged serious lapses in health claim handling by eight major insurers, including delays, wrongful rejections, and poor grievance redressal. With show-cause notices issued, policyholders can expect improved claim processes and stricter accountability going forward.
The LIC Term Plan Calculator lets you estimate premiums, coverage, and policy tenure in minutes. Learn how it works, what affects pricing, and how LIC compares with private insurers before you decide.
SBI Term Insurance Plan offers affordable term coverage with level and increasing cover options, optional riders, and a strong claim settlement track record. This guide explains SBI term plans, key features, drawbacks, premiums, and who they are best suited for.
Accidental death insurance pays a lump sum if death occurs due to an accident. But is it necessary when you already have term insurance? Here’s a simple breakdown.
