Insurance

Insurers now offer modular plans that let families pay only for the coverage they need, such as hospitalisation, maternity, or critical illness.

Updated : Nov 15, 2025

With premiums for seniors climbing, what options ensure affordable, comprehensive family cover?

Across India, families are asking the same question: “How do I choose the right health insurance for my situation?” Whether it’s buying a policy online, protecting ageing parents or keeping premiums affordable, consumers want clarity and reassurance. With medical expenses rising every year, making the wrong choice can lead to financial stress during emergencies.

As per the report, corporate employees are performing below national averages on physical wellness indicators, with steep drops in sleep quality.

Updated : Nov 13, 2025

Diabetes rising, stress soaring: ICICI Lombard Wellness Index shows 17% Indians now affected

While diabetes traditionally affected older adults, the report shows a significant shift: millennials now rank among the highest-risk groups, driven by long work hours, deadlines, poor dietary habits and minimal physical activity.

Cancer patients file about four claims a year, and even standard treatment costs run into several lakhs. Low-complexity cases (1–2 claims) still average Rs 1.63 lakh.

Updated : Nov 12, 2025

Insurance claims reveal sharp rise in early cancer detection even as treatment costs soar, study finds

Data from Plum’s Data Labs – analysing 100,000 Indian insurance claims from 2023–2025 – shows a sharp rise in early-stage cancer diagnoses. The share of in-situ (stage 0) carcinomas jumped from 29% of claims in early 2023 to about 50% by late 2024.

The blast near Delhi’s Red Fort, which killed 12 people, has been handed over to the NIA—signalling that authorities are treating it as a suspected terror incident.

Updated : Nov 11, 2025

Red Fort blast raises big question — Does your insurance cover terror acts and related damages?

The Red Fort car blast in Delhi has exposed a critical gap in India’s financial protection framework — terrorism coverage. While the attack is under investigation, the event has revived discussion on whether existing insurance policies offer real security against such threats. Experts warn that most Indians remain unaware that terrorism cover is often an optional add-on, not an automatic benefit.

For single-parent families, multi-individual health plans for parent and child offer the best mix of affordability, flexibility, and long-term protection.

Updated : Nov 1, 2025

I’m a single parent looking for affordable health cover- Should I choose floater or individual?

As a single parent, finding the right health insurance can be tricky — most family floater plans cater to two-parent households. The challenge lies in securing comprehensive coverage for yourself and your child without overpaying for features you don’t need.

Prudent’s report shows the growing popularity of wallet-based flex benefits, which allow employees to choose how and where they use their wellness budgets.

Updated : Nov 1, 2025

Employee benefits evolve: Preventive programme dominate as employers prioritise health, well-being, finds study

Prudent’s report highlights a decisive move away from one-size-fits-all health insurance plans toward personalised, preventive, and data-driven benefits models. It shows that organisations are increasingly viewing employee well-being as a strategic business investment.

According to health insurers, claims linked to lifestyle-related illnesses have risen sharply in the last three years, particularly among policyholders below 45.

Updated : Oct 29, 2025

Under-50s face cancer, metabolic risks: What’s fueling the surge — and how to protect yourself

Recent studies show that a combination of urban lifestyles, poor nutrition, pollution, and high stress levels is accelerating chronic diseases such as diabetes, obesity, cardiovascular ailments, and early-onset cancers.

Industry data shows a sharp spike, up to 25% in vehicle damage claims during monsoons, particularly in metro and coastal cities.

Updated : Oct 25, 2025

Amid prolonged monsoons and rising vehicle damage claims, which motor insurance policy is best?

With monsoon rains extending longer than usual and vehicle damage claims up 25%, the right car insurance can be your first line of defence. Experts recommend comprehensive motor insurance with add-ons like Engine Protect, Consumables Cover, and Zero Depreciation for complete seasonal protection.

All organisations with 20 or more employees must register under the EPF Act, automatically enrolling their workforce into the EDLI scheme.

Updated : Oct 23, 2025

EPFO’s EDLI Scheme: ₹7 lakh insurance cover that protects families of salaried employees

The scheme ensures coverage for all employees who are members of EPFO, with no exclusions — meaning it applies round the clock and even covers deaths occurring abroad.

Festive lights, candles, diyas, and gatherings raise fire and damage risks, but home insurance covers repair costs, protecting your festive finances.

Updated : Oct 21, 2025

Festival-ready: Smart home insurance preparations for a stress-free celebration

A comprehensive policy provides coverage not only for the structural integrity of the home but also for its contents, including valuable items. During festival periods, when risks are heightened, insurance can mitigate losses from fires caused by decorative lighting, burglaries of unattended homes, or accidental damage during gatherings.

In essence, health insurance is not just about having a card — it’s about having the right cover.

Updated : Oct 17, 2025

'Why basic health insurance isn’t enough': CA breaks down 3 must have add-ons

Most policies impose a waiting period of 2-4 years for pre-existing diseases like diabetes, blood pressure, or thyroid issues. With the Instant Cover add-on, coverage for such conditions can begin within just 30 days.

CoverSure and PhonePe both are offering short-term protection against festive accidents, their coverage, pricing, and benefits differ sharply.

Updated : Oct 17, 2025

CoverSure launches Rs 5 firecracker insurance for Diwali after PhonePe’s Rs 11 festive plan; policies compared

Diwali insurance: CoverSure’s ten-day Firecracker Insurance offers Rs 50,000 coverage for accidental death and Rs 10,000 for fire-related burns. The policy can be purchased directly on the CoverSure platform, with instant activation starting the day after purchase.

Complaints about insurance products jumped 45% in Q2 2025, with disputed claim values soaring 43% to Rs 119.5 crore, according to Insurance Samadhan’s latest report.

Updated : Oct 14, 2025

Insurance Samadhan partners with Jaagruk Bharat to curb insurance mis-selling

While Jaagruk Bharat will leverage its vast digital audience across social media and online platforms, Insurance Samadhan will provide domain expertise, real-life case insights, and data-driven trends to ensure the content is practical, accurate, and actionable.

Insurance is not just paperwork — it’s a shield for your dreams.

Updated : Oct 13, 2025

'Just covered on paper?': CA decodes the importance of insurance to protect financial dreams

The message, the financial expert emphasised, is simple but powerful: ignoring insurance gaps to save money isn’t smart financial planning — it’s a hidden risk. “It could destroy your financial progress, derail investments, and delay home ownership,” he cautioned.

If a policyholder discloses a pre-existing condition such as diabetes, hypertension, or asthma any premium loading or co-pay applied at inception continues for the lifetime of the policy.

Updated : Oct 8, 2025

Does following a preventive lifestyle plan reduce my future premium if I have diabetes and how?

If you’re living with diabetes, your health insurance premium usually stays fixed based on your initial risk profile, with insurers rarely reassessing it later. However, a few companies are beginning to explore wellness-linked models that reward preventive lifestyle habits with benefits or incentives.

Effective September 22, all individual life and health insurance policies—such as term plans, family floater health covers, unit-linked insurance plans (ULIPs), reinsurance services, and critical illness policies—are exempt from GST.

Updated : Oct 7, 2025

'Mere presence of alcohol...': Kerala HC on health insurance; Here’s how to choose right health policy

The ruling came in the case of K.S. Shibu, a Kerala government employee who died in a 2009 road accident. His insurer, National Insurance Co. Ltd, had denied the claim under a clause excluding deaths “under the influence of liquor.”

The government’s GST 2.0 reform, effective September 22, 2025, has brought a major relief to life insurance buyers — slashing GST on term insurance premiums from 18% to 0%.

Updated : Oct 7, 2025

Build your own health plan: SBI General floats Health Alpha post GST rate revision with added benefits

SBI General Insurance has launched an industry-first health insurance product — Health Alpha — a fully customisable plan that redefines flexibility and personalization in health coverage.

Portability offers senior citizens the opportunity to upgrade health insurance without losing continuity benefits, making it easier to access better coverage and services

Updated : Sep 27, 2025

My parents are above 60 years, should they port health insurance after IRDAI reforms or stay with current cover?

With rising health insurance portability in India, senior citizens are rethinking whether to switch policies or stay put. Recent IRDAI reforms make porting easier by removing entry-age limits and ensuring continuity of waiting periods.

The unique plan ensures that contributions to a girl’s Sukanya Samriddhi Yojana account continue uninterrupted, even in the event of the untimely demise of the earning parent.

Updated : Oct 3, 2025

New Sukanya Suraksha Plan: PNB MetLife, IPPB tie up to bundle life cover with Sukanya Yojana for girl child security

PNB MetLife and India Post Payments Bank (IPPB) have launched the Sukanya Samriddhi Suraksha Yojana, a unique group term life protection plan bundled with the government’s Sukanya Samriddhi Yojana. The initiative ensures uninterrupted savings for a girl child’s future, even in the event of a parent’s demise.

A documentary screened by 1 Finance highlighted how the commission structure incentivizes aggressive selling.

Updated : Sep 25, 2025

Insurance complaints surge as mis-selling, commission-driven sales take centerstage: Report

Policy mis-selling remained a major driver of disputes, with complaints up 11.2% over Q2 2024. The value of such grievances also rose nearly 10%.

Parental insurance remains a strong priority, 23% of customers buy policies specifically for parents

Updated : Sep 24, 2025

Insurance divide widens: Group health cover outpaces retail with 20% annual growth

According to Plum’s findings, 59% of employees surveyed do not own a personal policy and rely solely on their employer’s group health insurance for protection. For many, this serves as their first experience with insurance.