General Insurance

Non-life insurance: it protects your assets and your health rather than your life. Health, motor, home and travel policies all sit under this umbrella, covering financial loss from an event you did not plan for.

Rarely. It usually ends the day you leave the job, the sum insured is modest, and it disappears exactly when you are between jobs or retired. A personal policy you own is what keeps you covered.

A policy that starts paying once your claims cross a set threshold in a year. Pairing a modest base policy with a large super top-up gets you a high total cover far more cheaply than one big policy.

Under the old regime, health insurance premiums qualify for deduction under Section 80D, with a higher limit for senior-citizen parents.

Yes — and that is the part that actually matters. We help you assemble the paperwork, deal with the insurer and chase the settlement, rather than handing you a call-centre number.

In a metro, a family floater below ₹10 lakh is thin — a single cardiac or cancer episode can exceed it. We usually build ₹10–15 lakh of base cover with a super top-up above it, which buys a much higher ceiling for a modest premium.

It limits the daily room charge the insurer will pay. Take a costlier room and every associated charge — surgeon, anaesthetist, tests — is proportionately reduced too. It is the single most under-appreciated clause in Indian health insurance, and we screen for it first.

A floater shares one sum insured across the family and is cheaper — good while everyone is healthy. Individual policies cost more but nobody's claim eats into anyone else's cover. Once a parent is older, separate policies usually make more sense.

Eventually. Most policies impose a waiting period of two to four years before pre-existing conditions are covered, and specific ailments carry their own waits. Declare everything: an undeclared condition is grounds to reject the claim outright.

Cashless works only at the insurer's network hospitals and means you pay nothing upfront. Reimbursement means you pay first and claim afterwards. We check the network covers the hospitals you would realistically go to before recommending an insurer.

Some policies do, generally after a waiting period of two to four years and with a cap on the amount. If it is on the horizon, that waiting period is the reason to buy now rather than later.

Third-party is the legal minimum and covers only damage you cause to others — not your own car. Comprehensive covers yours too. For any vehicle worth insuring, the extra premium is trivially small against the cost of replacing it.