Pre‑Existing Disease Waiting Periods: Your Rights
What Is a Pre-Existing Disease (PED)? Any illness, injury, or condition that existed before the…
Understanding Sub‑limits: Room Rent, ICU, Daycare
What Are Sub-limits? Fixed maximum amounts or caps set by insurers on specific expenses within…
Health Insurance for Freelancers and Gig Workers
Why It Matters No employer-provided health benefits Irregular income requires flexible, affordable coverage Protects against…
Zero Copay vs. Zone-Based Coverage: Hidden Clauses
What Is Zero Copay? Definition: You pay no percentage of the hospital bill; insurer covers…
Top 10 Health Insurance Plans Under ₹5 Lakh in India (2025)
1. HDFC ERGO Optima Secure Sum Insured: ₹5 lakh – ₹2 crore Key Features: 100%…
Cashless vs. Reimbursement Claims: Choosing Smartly
FeatureCashless ClaimsReimbursement ClaimsHow It WorksInsurance company settles bills directly with the hospitalYou pay upfront and…
Critical Illness Riders: What You Should Know
What is a Critical Illness Rider? An add-on to your life insurance policy that pays…
Family Floater vs. Individual Plans: Pros and Cons
FeatureFamily Floater PlanIndividual PlansCoverageOne sum insured shared by all family membersSeparate sum insured for each…
IRDAI’s New Guidelines: What They Mean for Senior Citizens and Health Coverage
The Insurance Regulatory and Development Authority of India (IRDAI) has recently introduced new guidelines aimed…