Insurance Guides
Everything you need to know about insurance in India — from choosing the right plan to filing claims and saving on premiums.
Health Insurance Guide
Medical inflation in India is 14% per year. A ₹5 lakh cover may not be enough.
What You'll Learn
Life & Term Insurance Guide
Rule of thumb: Life cover should be 10–15x your annual income.
What You'll Learn
Car & Bike Insurance Guide
Third-party motor insurance is mandatory by law. Fine up to ₹2,000 for non-compliance.
What You'll Learn
Travel Insurance Guide
Medical treatment abroad can cost ₹5–50 lakhs. Travel insurance costs just ₹299–1,500.
What You'll Learn
Business Insurance Guide
Workmen Compensation Insurance is mandatory for businesses with employees.
What You'll Learn
6 Common Insurance Mistakes to Avoid
Don't let these mistakes cost you at claim time
Buying the cheapest plan
Compare coverage, not just premium. A cheap plan may have high co-payment or low coverage.
Not disclosing pre-existing conditions
Always disclose medical history. Non-disclosure can lead to claim rejection.
Ignoring the claim settlement ratio
Choose insurers with 95%+ claim settlement ratio for peace of mind.
Buying only mandatory coverage
Third-party car insurance is mandatory but comprehensive coverage protects your vehicle too.
Not reviewing insurance annually
Review your coverage every year as your income, family size, and assets change.
Delaying life insurance purchase
Buy term insurance early. A 25-year-old pays 40% less premium than a 35-year-old.
Need Help Choosing the Right Insurance?
Our IRDAI-certified advisors will compare plans from 25+ insurers and recommend the best coverage for your needs and budget.