Insurance

The government said JANANI has already recorded over 1.34 crore beneficiary registrations, including more than 30 lakh pregnant women and over 30 lakh digital MCH cards generated.

Updated : May 10, 2026

Mother’s Day: What is Janani? All about India’s new maternal and child healthcare digital push

The platform was unveiled during the National Summit on Innovation and Inclusivity and is being positioned as an upgraded version of the government’s existing Reproductive and Child Health (RCH) portal.

The trends show global uncertainty is pushing Indians toward nearby destinations and higher insurance cover, though many still remain underinsured.

Updated : May 8, 2026

Is geopolitical uncertainty driving more Indians to buy travel insurance in 2026?

International travel insurance adoption among Indian travellers rose 22% YoY in 2026, according to Policybazaar.com. Yet, nearly 82% of Indian outbound travellers still skip travel protection, highlighting a major awareness gap.

Routine or preventive check-ups are not included, as travel insurance is meant for unforeseen medical needs during the trip.

Updated : May 8, 2026

Does travel insurance cover weather-related illness during foreign trips with children?

A sudden fever or viral infection during an overseas family holiday can quickly turn stressful, especially when travelling with children. Experts say comprehensive travel insurance can cover doctor consultations and medical treatment abroad, but policy terms matter.

The insurer also reported a major profitability milestone during the financial year, with its Value of New Business (VNB) turning positive for the first time.

Updated : May 6, 2026

Bharti AXA Life Insurance reports 44% growth in new business premium in FY26

Bharti AXA Life reported significant growth in its group business segment, led by strong traction in the Group Term Life (GTL) business. The company maintained a solvency ratio of 191% during FY26, comfortably above the Insurance Regulatory and Development Authority of India’s (IRDAI) minimum regulatory requirement of 150%.

Digit processed over 3.17 lakh health claim intimations during FY26 and paid 2.94 lakh health claims during the year.

Updated : May 6, 2026

83% health cashless requests approved within 30 minutes: Digit Insurance

Nearly six out of ten cashless requests were approved within 20 minutes, substantially ahead of the one-hour turnaround benchmark prescribed by the IRDAI. The fastest cashless approval recorded during FY26 took just three minutes, while the average approval time stood at 21.38 minutes.

Most advisors suggest that term insurance should ideally cover an individual until retirement age—typically around 60–65 years.

Updated : May 5, 2026

BT Explainer: Term Insurance — When to buy, ideal cover, key factors simplified

Financial planners consistently recommend buying a term plan as early as possible, ideally when an individual starts earning. The logic is simple: premiums are significantly lower at a younger age and remain fixed throughout the policy tenure.

The IRDAI allows NCB retention certificate to remain valid for up to three years from the expiry date of the previous policy.

Updated : May 3, 2026

Selling your old car? Have you secured your No Claim Bonus before it expires?

Selling your car doesn’t mean you lose your No Claim Bonus — but missing a key step can cost you thousands in insurance savings. Here’s how to retain and transfer your NCB correctly when switching to a new vehicle.

The policy change aligns with the Insurance Laws (Amendment) Act, 2025, aimed at improving insurance penetration and strengthening the sector’s capital base.

Updated : May 2, 2026

Govt opens insurance sector: 100% FDI allowed via automatic route

The government has allowed 100% FDI in insurance companies, enabling foreign investors to fully own Indian insurers under the automatic route. However, foreign investment in LIC will remain capped at 20%, keeping the state-run insurer under a separate framework.

Common causes include machinery-related accidents, slips and falls, and construction-linked risks.

Updated : Apr 30, 2026

Workplace injury claims jump 31% YoY, manufacturing sector sees highest claims: Report

Workplace risks in India’s MSME sector are rising sharply, with injury claims jumping 31% year-on-year. The trend highlights growing industrial activity, seasonal risks, and evolving compliance-driven insurance adoption.

The plan’s structure allows investments to grow in market-linked instruments, offering potential upside compared to traditional fixed-benefit policies.

Updated : Apr 29, 2026

Tata AIA launches Shubh Health Criti: What this combined product means for investors

Tata AIA’s Shubh Health Criti is a unit-linked life insurance plan that combines life cover with a market-linked health fund, enabling policyholders to build savings for future medical needs.

Your neighbour's fire is your problem too, here's what home insurance does and doesn't cover

Updated : Apr 29, 2026

Short circuit, neighbour's fire, jewellery loss: What does your home insurance cover?

High-rise living means a fire in one flat can quickly spread to others, as seen in Ghaziabad. Home insurance acts as a financial buffer, covering both the structure and the contents of a home

Most comprehensive health insurance plans today offer maternity benefits, but these are typically subject to a waiting period, which can range from two to four years depending on the product.

Updated : Apr 23, 2026

Planning pregnancy: Should I buy a separate health policy for better maternity cover?

Planning for pregnancy goes beyond maternity cover, as complications and costs can vary significantly across policies. Experts advise evaluating whether a separate health insurance plan can offer better protection and flexibility.

The venture will combine Jio’s digital reach with Allianz’s global expertise to offer customer-centric solutions.

Updated : Apr 22, 2026

Jio Financial Services, Allianz to form 50:50 insurance JV, target ‘Insurance for All by 2047’

The agreement formalises a collaboration first announced in July 2025 and is subject to regulatory approvals before operations commence. The two companies are also working towards a separate arrangement for life insurance, signalling a broader long-term strategy to build a full-stack insurance presence in India.

MoSPI survey found that in 2025 about 47% of rural Indians and about 44% of urban Indians had health insurance as against just 14% in rural areas and 19% in urban areas in 2017-18.

Updated : Apr 21, 2026

More Indians have health cover—but hospital bills still burn a hole

Health insurance to cover nearly half the population on the back of govt schemes; average hospitalisation cost Rs 34,064 per case, finds new MoSPI survey

From a financial planning lens, liver disease is becoming a high-cost risk category.

Updated : Apr 17, 2026

Liver disease hits young hard, costs soar as claims double: Report

According to the Care Health Insurance report, liver disease claims have doubled over the past three years, while treatment costs have surged nearly 100%.

Heart disease often feels sudden — a heart attack or collapse — but in reality, it builds silently over years.

Updated : Apr 11, 2026

Heart disease is hitting younger Indians — what it means for you, your insurance cover

Heart disease is increasingly affecting Indians in their 20s and 30s, challenging the belief that it’s a later-life risk. This shift is not just medical — it could directly impact your insurance premiums, coverage, and financial planning.

The scheme is open to all Indian citizens, with contributions allowed as per non-government NPS guidelines and invested under MSF norms.

Updated : Apr 10, 2026

NPS Swasthya update: PFRDA mandates health insurance, allows full exit for treatment

Under the updated norms, subscribers must avail health insurance benefits, which will be governed by the respective insurer’s terms and conditions along with applicable IRDAI regulations.

When choosing between a regular term plan and a return-of-premium plan, your decision should depend on affordability and your primary objective — protection or savings.

Updated : Apr 9, 2026

Need more than ₹1 crore cover? How to recalculate your life insurance needs

At 42, a ₹1 crore term plan may look sufficient today, but inflation steadily erodes its real value, weakening your family’s future financial protection. As expenses rise and responsibilities like education, loans, and lifestyle needs grow, your existing cover may no longer be adequate. Here’s how to reassess your life cover based on your income, liabilities, and goals.

Since a C-section is not an ongoing medical condition, it is generally not classified as a pre-existing disease requiring a waiting period.

Updated : Apr 8, 2026

Had a C-section 4 years ago — will it impact my new health insurance policy coverage?

A past C-section is a common concern for women shifting from family floater plans to individual health insurance. Many worry whether it will be classified as a pre-existing condition or restrict future coverage. Understanding how insurers evaluate past C-sections can help you plan better coverage.

Tax benefits should be treated as a secondary outcome, not the primary objective, ensuring insurance aligns with long-term financial goals.

Updated : Apr 5, 2026

Rushed insurance on March 31? How it can push you into poor coverage and costly plans

March 31 is a crucial deadline and many investors rush to buy insurance purely for tax-saving, often leading to flawed financial decisions. Experts caution that such last-minute purchases ignore critical aspects like lock-in periods, long-term premium commitments, and actual coverage needs.

Another key risk during the March-end rush is mis-selling.

Updated : Mar 28, 2026

March 31 insurance deadline: Why last-minute buying can hurt your finances

Industry experts warn that treating insurance as a deadline-driven decision, rather than a core financial planning tool, can lead to suboptimal outcomes for investors.