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A simple guide to understanding long-term disability insurance in India, and how to build protection with term-plan riders. Also, learn about PA add-ons, PTD/PPD/TTD, what’s covered, when benefits start, and steps to claim.
The 3-year clause in term insurance (Section 45) protects policyholders by preventing insurers from rejecting claims after 3 years, except in cases of proven fraud. Learn how it works, key exceptions, and why honest disclosures ensure long-term claim security.
Ditto breaks down Universal Life Insurance: lifelong cover, flexible premiums, savings, and how it compares with ULIPs in India.
If you belong to a lower-income group or are employed in a public institution, government life insurance schemes in India are an excellent choice. But do they offer you all the benefits or have some limitations?
Life Insurance for Special Needs Child in India ensures lifelong financial protection through term plans, child insurance with Waiver of Premium, and structured legal tools like trusts and guardianship, giving parents peace of mind.
An Income Replacement Term Plan provides your family with a steady stream of income instead of a lump sum payout. This ensures financial security, covers monthly expenses, and protects your loved ones’ lifestyle in your absence.
You can name a minor as nominee, but claims are paid to an adult appointee or guardian until the child turns 18. Learn the rules, documents, and clean handover steps.
This complete guide to term insurance for disabled persons explains everything step by step. From understanding eligibility and underwriting criteria to knowing what happens if an application is rejected, we cover it all.
A telemedical examination is a remote health checkup conducted via phone or video call as part of the term insurance application process. Here’s how it works, why it matters, and how Ditto makes it simpler for you.
Can you claim term insurance from two companies? Yes, you can but always know the pros and cons, disclosure rules, HLV limits, and how to split cover.
Did you know that the oldest life insurance policy in India is still active? And the best part is that it has a special scheme tailored for physically challenged individuals.
A single premium term insurance plan sounds simple—pay once and forget. But is it really worth it? Here’s a practical breakdown of how it works, the pros and cons, regulatory updates, and whether it fits your financial profile.
