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Learn how moral hazard works in insurance, the difference from adverse selection, and how insurers and policyholders can reduce misuse, disputes, and claim rejections.
IRDAI’s Vision 2047 aims for “Insurance for All” so every Indian can access the right life, health and property cover. This guide discusses how it could change your insurance journey over the next few years.
Discover how insurance companies make money through underwriting, investments, and strategic claims management. Learn about loss ratios, revenue streams, regulatory impacts, and real-world profit examples from India’s leading insurers.
The General Insurance Council (GIC) is a statutory body under the Insurance Act, 1938, representing India’s non-life insurers. It works closely with IRDAI to ensure fair practices, policyholder protection, and industry-wide development through initiatives like Cashless Everywhere and Bima Trinity.
The Insurance Information Bureau (IIB) centralizes insurance data to boost transparency, detect fraud, and ensure fair premiums. This guide covers its functions, initiatives like V-Seva, and how it helps insurers, regulators, and consumers in India's data-driven insurance ecosystem.
IRDAI regulates India’s insurance sector, protecting policyholders and ensuring financial stability. Explore its structure, functions, and 2025 reforms for life, health, and non-life insurance.
EPFO’s built-in life cover “EDLI” pays a nominee between ₹2.5-₹7 lakh if an EPF member dies while in service. Here’s a complete guide on eligibility, payout methods, documents, and claim steps.
From 22 Sept 2025, health and term insurance premiums will no longer attract GST. This guide explains how the exemption applies across new policies, renewals, grace periods, cancellations, and refunds—so you know exactly when you’ll save 18%.
Ditto’s Cut is our framework for selecting insurers and plans. Every option is measured against strict benchmarks—IRDAI rules, 3 years of claims data, and real claim-time experience—covering product quality, claims, pricing, and service. Only those that pass make it to our list.
The government is going all in for its Insurance for all by 2047 campaign. As part of this, they are making changes to make processes more efficient. Does this mean we are getting a CIBIL-like score for insurance, too. Read along to find out more.
The IRDAI recently brought in some consumer-friendly changes, including a revised PED definition, a shorter waiting period, a higher surrender value, and a 30-day free look period. Here are the latest IRDAI updates for health and term insurance in 2025.
Heard about the recent Nirmala Sitharaman’s announcement on the GST spike in insurance premiums? What’s it all about? What does this mean for the insurers and insured? Take a look!
