Insurance

There is no universal regulatory price list that fixes how much a hospital can charge for every medical procedure. Hospitals may therefore have different prices for the same treatment.

Updated : Aug 12, 2026

₹25 lakh health cover, ₹12 lakh bill but only ₹5 lakh paid: How ‘Reasonable & Customary Charges’ can cut your claim

A health insurance policy with a high sum insured may still leave you paying a sizeable amount if the insurer applies deductions to individual hospital charges. The “reasonable and customary charges” clause is one such provision that can reduce the final claim payout when treatment costs are considered excessive.

Data from the National Sample Survey (January-December 2025) cited in the survey showed that the average cost of hospitalisation was ₹50,508 in a private hospital, compared with ₹6,631 in a government hospital.

Updated : Aug 12, 2026

Private hospital vs government hospital cost: Hospitalisation is nearly 8 times more expensive

Hospitalisation in private hospitals costs nearly eight times more than in government facilities, with average expenditure at ₹50,508 versus ₹6,631, according to NSS data cited by LocalCircles. The survey also found that more than six in 10 families faced problems with private hospital bills, particularly high treatment and diagnostic costs.

An ADB rider is an optional add-on attached to a base term life insurance policy.

Updated : Aug 11, 2026

Accidental death benefit rider: Is your family financially protected against unexpected accidents?

According to Digit Life Insurance claims data for FY25-26, the average age of road accident victims was 33 years, with more than one-third of accidents involving individuals aged 21-30.

Lack of awareness and a ‘will buy later’ attitude emerged as key barriers to purchasing additional health insurance, particularly among employees aged 28–34.

Updated : Aug 11, 2026

Health insurance protection gap: 84% want extra cover, but 45% still don’t have it

A new Tata AIG study highlights a widening health insurance protection gap among corporate employees, with 84% saying additional cover is important but 45% still lacking personal health insurance. The findings also show that nearly 75% believe employer-provided Group Medical Cover alone may not be sufficient during an emergency hospitalisation.

Every EV, like any other vehicle, requires mandatory third-party liability insurance and can be covered under a comprehensive policy that protects against accidents, fire, theft, natural calamities

Updated : Aug 7, 2026

Monsoon car insurance: Essential covers and add-ons every vehicle owner should know

Heavy rains and waterlogged roads can leave vehicle owners facing expensive repair bills if they are not adequately insured. Experts say understanding what a standard motor insurance policy covers—and investing in the right add-ons—can provide crucial financial protection during the monsoon, especially for electric vehicles.

A deductible is a fixed amount that the policyholder must pay before the insurer starts paying for eligible medical expenses.

Updated : Aug 5, 2026

Health insurance deductibles explained: Can this simple feature cut your premium by up to 50%?

A health insurance deductible can significantly reduce your premium, but it also requires you to bear a fixed portion of medical expenses before the insurer starts paying. Here's how deductibles work, how they differ from co-pay, and who should consider opting for one.

According to Go Digit Life Insurance, the additional payout can help families cover immediate expenses such as medical bills, loan repayments and other unforeseen costs.

Updated : Aug 3, 2026

Accidental Death Benefit Rider: Who should consider this term insurance add-on?

An Accidental Death Benefit (ADB) Rider can provide an additional financial cushion to families if the policyholder dies in a covered accident, complementing the protection offered by a term insurance plan. While the rider comes at an extra premium, insurers say it can significantly enhance the payout during a family's most financially vulnerable period.

Health insurance is increasingly designed to support patients throughout the treatment journey rather than only during hospital admission.

Updated : Jul 20, 2026

Seasonal respiratory infections: What your health insurance covers beyond doctor consultations

Seasonal respiratory infections can lead to medical expenses that go far beyond a doctor's consultation, especially if hospitalisation is required. Here's what health insurance typically covers—from diagnostic tests and medicines to hospital care, teleconsultations and post-treatment recovery.

Third-party (TP) motor insurance is the legally mandated minimum cover that protects against financial liabilities arising from injury, death or property damage caused to a third party.

Updated : Jul 18, 2026

Third-party vs comprehensive car insurance: What every car owner should know

Third-party motor insurance may be the cheapest option, but it offers only limited financial protection. Here's how it differs from comprehensive insurance and which type of cover may be suitable for different vehicle owners.

According to Policybazaar, health insurance premiums can differ by as much as 70% across insurers due to differences in product structures, features and pricing strategies.

Updated : Jul 18, 2026

Compare before you buy: Health insurance shoppers save up to 20% by evaluating multiple plans, says study

Comparing health insurance plans before buying could significantly reduce your premium, according to a Policybazaar analysis. The report found that customers who evaluate multiple plans pay, on average, 20% lower premiums while also finding policies better suited to their healthcare needs and budgets.

Floodwater can weaken foundations, damage plumbing systems, trigger electrical short circuits and destroy interior. A comprehensive home insurance policy can help in such cases.

Updated : Jul 15, 2026

Beyond waterproofing: Why home insurance matters during the monsoon season

Heavy rains, flash floods and landslides are becoming more frequent across India, increasing the risk of costly damage to homes and household belongings. Here's why experts say comprehensive home insurance is emerging as an essential financial safety net during the monsoon season.

Experts recommend disclosing all medical details and getting written confirmation of waiting period credits, NCBs and moratorium benefits before porting.

Updated : Jul 14, 2026

Health insurance for 8 years? Why insurers can reject your claim even after 8 years of coverage

Having health insurance for eight or 10 years doesn't guarantee that every future claim will be approved, particularly if you've switched insurers through portability. Experts say while portability preserves key continuity benefits, the new insurer still conducts fresh underwriting and can reject claims in certain situations.

Among seasonal diseases, dengue continues to pose one of the biggest health risks during the monsoon.

Updated : Jul 13, 2026

Monsoon diseases are rising: Are you financially prepared for a health emergency?

With monsoon diseases such as dengue, malaria and viral infections on the rise, a medical emergency can quickly lead to hefty hospital bills. Health experts say comprehensive health insurance can help families manage treatment costs and avoid financial stress during the rainy season.

Experts caution that insurance claims could face scrutiny if a vehicle owner knowingly uses fuel that is incompatible with the manufacturer's specifications.

Updated : Jul 10, 2026

Will using E20 petrol affect your motor insurance claim? Here's what policyholders should know

As E20 petrol becomes the new standard fuel across India, many motorists are worried whether using it could put their motor insurance claims at risk. Insurers and automakers, however, say policyholders have little reason to worry. Experts say motor insurance claims are determined by the cause of damage and policy terms, not simply by whether a vehicle runs on E20 fuel.

IRDAI is also evaluating a remuneration model that links distributor earnings to the effort involved in selling and servicing a policy.

Updated : Jul 9, 2026

Insurance commission overhaul: IRDAI's proposal can boost customer trust, curb mis-selling: Experts

The Insurance Regulatory and Development Authority of India (IRDAI) is considering a major overhaul of insurance distributor commissions by replacing large upfront payouts with staggered payments over the life of a policy. The proposed reforms aim to curb mis-selling, improve customer outcomes and align India's insurance distribution framework with global practices.

In home loan insurance, the policy term equals the outstanding tenure of the loan, and the sum assured reduces in line with the outstanding loan liability.

Updated : Jul 8, 2026

Taking a home loan? Here's how home loan insurance works and what to check before buying

Home loan insurance can protect your family from the burden of repaying the outstanding loan if the borrower dies during the loan tenure. Before opting for the policy offered by your bank, here's how home loan insurance works, whether it's mandatory, and the key factors you should compare.

BMIP is seen as strategically important for India’s maritime sector

Updated : Jul 7, 2026

Why shipowners are resisting Bharat Maritime Insurance plan

Launched with a $1.4-billion sovereign guarantee, India’s insurance pool aims to shield shipping from global volatility. But shipowners question why the cover should be compulsory.

Tier-2 and Tier-3 cities now contribute nearly two-thirds of Unlimited SI purchases, signalling growing demand outside metros.

Updated : Jul 3, 2026

Surat, Hyderabad outpace metros as Tier-3 India powers health insurance boom

According to Policybazaar data, Tier-3 cities accounted for 41.71% of all Unlimited Sum Insured (SI) health insurance purchases in FY27, overtaking Tier-1 cities, whose share declined to 33.28% from 51.31% in FY25.

Tata AIA has introduced Sampoorna Care – Cancer Fund, which combines cancer protection with a health-focused savings component

Updated : Jun 30, 2026

Sampoorna Care-Cancer: Tata AIA launches cancer cover with income replacement feature

Tata AIA Life Insurance has launched Sampoorna Care - Cancer and Sampoorna Care - Cancer Fund. The products are aimed at addressing income loss, treatment support and savings disruption after a cancer diagnosis.

65% of Gen Z are one major medical emergency away from financial instability, while only 35% rely on parental or employer-provided health cover.

Updated : Jun 27, 2026

51% of Gen Z invest but delay buying health insurance, leaving many financially vulnerable: Report

India's Gen Z is investing early in mutual funds and SIPs, but many are postponing one of the most important financial decisions— buying health insurance. A new Bajaj Capital report says this growing protection gap could leave young investors vulnerable to medical emergencies.

The sharp rise in accident risk after sunset is driven by reduced visibility, driver fatigue, higher speeds and increased chances of distracted or impaired driving.

Updated : Jun 24, 2026

India's deadliest driving hour is between 9 PM and 10 PM, new road safety report finds

Driving after 9 PM could be significantly riskier than any other time of the day in India, according to a new telematics-based road safety study. The report found that driving behaviour deteriorates sharply after dark, making the 9 PM–10 PM slot the country's most dangerous hour on the road.