Insurance

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.

Nearly 7 out of 10 employees carry at least one lifestyle-related health risk, such as high blood pressure, abnormal cholesterol, high blood sugar, or liver stress.

Updated : Mar 31, 2026

Maternity is top cost for companies — why your workplace health insurance may get costlier in 2026

The report shows that health risks among employees are rising sharply. Nearly 7 out of 10 employees carry at least one lifestyle-related health risk, such as high blood pressure, abnormal cholesterol, high blood sugar, or liver stress.

Employees should remember that premiums paid by employers do not qualify for tax deduction.

Updated : Mar 25, 2026

Are you relying only on employer health cover? Nithin Kamath says it may not be enough

Zerodha co-founder Nithin Kamath highlighted that most people underestimate the risks of depending solely on company insurance. He said many corporate policies are designed to control costs rather than provide comprehensive protection.

More than half of the customers in the study had at least one chronic illness, making preventive care crucial for controlling long-term medical costs.

Updated : Mar 24, 2026

₹1.72 saved for every ₹1 spent? Study shows prevention sharply cuts insurance claims

According to the report, every additional coaching interaction helped reduce preventable claim costs by an average of ₹668, indicating that consistent engagement plays a key role in lowering healthcare expenses.

India’s health insurance market is expected to expand rapidly due to rising healthcare costs, increasing awareness and wider coverage, making the sector attractive for investors.

Updated : Mar 21, 2026

41% surge in health insurance complaints raises concerns over service quality, investor risk in sector

The report found that complaints in the general and health insurance segment rose 41% year-on-year in FY25 to 1,37,361, compared with 97,503 in FY24.

PCOS is a long-term but highly manageable condition, and choosing the right health insurance plan early in life creates a strong safety net.

Updated : Mar 14, 2026

I have PCOS and want health insurance: Will it be treated as pre-existing and have waiting period?

If you have PCOS and are planning to buy health insurance, here’s how insurers treat it as a pre-existing condition and what waiting period may apply.

Households are increasingly using life insurance as a long-term wealth and stability tool, supported by higher survival benefits, strong persistency, and rising demand for annuity and pension products.

Updated : Mar 14, 2026

Life insurance now about retirement, savings, not just death cover, says Kamlesh Rao of IAC-Life

Experts say the industry is seeing a structural shift towards savings-linked and income-generating products, even as awareness about pure protection plans remains low compared to global standards.

Roinet Kavach is built as a multi-insurer digital platform that allows POSPs to generate quotes, compare premiums and issue policies within minutes using a mobile-first interface.

Updated : Mar 11, 2026

Roinet bets on rural motor insurance with Kavach platform, expects 3X growth in 12 months

Roinet said it is leveraging its network of over 70,000 rural touchpoints to expand insurance access, with nearly 65% of customers being first-time policyholders. Early demand has been strongest in Uttar Pradesh, Bihar, Rajasthan, Maharashtra, Tamil Nadu, and several North-Eastern states.

The report said the industry’s individual weighted received premium (WRP) grew about 21% year-on-year in February, marking a sharp improvement from the single-digit growth seen in the previous month.

Updated : Mar 10, 2026

Life insurance industry grows over 20% in February; LIC outpaces private insurers: Report

LIC continued to outpace the private sector, reporting around 23% growth, compared with roughly 20% growth for private insurers, extending its lead for the third consecutive month. Among private insurers, Canara HSBC Life Insurance was the fastest-growing player with over 60% growth.

Bitcoin continues to dominate as the primary entry asset for new investors, followed by Ethereum and other major tokens such as Polygon, Solana, Cardano and XRP.

Updated : Mar 7, 2026

Women crypto investors surge 116%; 62% plan to invest within the next year

Data released by crypto exchange CoinDCX shows that the number of women crypto investors in India grew by 116.8% in the latest annual growth cycle, highlighting a structural shift in how women are engaging with digital assets.

5% of affluent buyers are now choosing policies worth ₹5 crore or more — an indicator that high-value protection is gradually moving toward the early mainstream in wealthy portfolios.

Updated : Feb 27, 2026

Younger HNIs drive Rs 3 cr+ term covers, salaried opt Rs 2 cr as market grows 45% YoY

The data shows that ₹3 crore cover bookings have risen 45% year-on-year, reflecting rising appetite for large-ticket protection among younger buyers. On average, HNIs are opting for ₹2 crore covers, compared with ₹1 crore among non-HNIs.

Before finalising a plan, parents should check waiting periods and ensure the sum insured is sufficient for ICU stays and major procedures.

Updated : Feb 23, 2026

Indemnity or benefit plan: How can I ensure my child’s health insurance plan covers emergencies, surgeries, and unexpected medical conditions?

Choosing the right health insurance plan for your child requires more than comparing premiums. Parents must evaluate coverage depth, waiting periods, emergency benefits and claim conditions to ensure financial protection during unforeseen medical events.

With Pay-Later, you can defer the payment, stay insured, and clear the pending amount once things settle.

Updated : Feb 21, 2026

How pay-later feature keeps your life cover active even during financial stress

Skipping a premium can have serious consequences. A lapsed life insurance policy means loss of coverage, and reinstating it later may involve medical underwriting, revised premiums, or forfeiture of certain accumulated benefits.

Experts say even insured patients are not immune to financial strain. Industry data show rising claim ratios for health insurers, partly attributed to higher hospitalization bills

Updated : Feb 21, 2026

Why many patients leave hospitals financially drained: The rising cost of healthcare explained

Hospitalisation in India is increasingly becoming a financial shock for families, even for those with health insurance coverage. Rising healthcare inflation, complex billing practices and structural shifts in hospital ownership are driving costs higher at discharge.

Under the scheme, subscribers will have an option to withdraw up to 25% of their own contributions in the scheme for medical expenses through the Apollo 24|7 platform across the country

Updated : Feb 20, 2026

Can NPS also support medical expenses? ICICI Pension Funds tests waters with Swasthya Equity Plus

The ICICI PF NPS Swasthya Equity Plus scheme is a tie up with Apollo Health Co and will be offered as a proof of concept under PFRDA's regulatory sandbox framework.

Annual premiums for Indian health insurance typically range between $120 and $300, compared with $2,000 to $3,000 for comparable coverage in the Gulf.

Updated : Feb 17, 2026

NRI health insurance purchases jump 126% YoY; Gulf countries account for half of demand: Report

The report noted the growth has been driven by the rapid adoption of AI-enabled tele-medical check-ups, digital-first onboarding and regulatory changes such as the removal of GST on select NRI health policies.