Insurance

Travel insurance covers medical emergencies abroad, trip cancellation and baggage loss — and is mandatory for a Schengen visa (€30,000). Single vs multi-trip and what to check.

Personal accident insurance pays a lump sum for accidental death or disability — the income-protection gap life and health insurance miss. What it covers and how much to take.

Employer group health insurance is valuable but ends when you leave. How it works, its limits, IRDAI portability (keeping waiting-period credit), and why to hold a personal policy.

Maternity insurance covers delivery and pre/post-natal care, but with 2–4 year waiting periods and sub-limits. How it works, newborn cover, corporate plans and how to plan ahead.

Pradhan Mantri Jeevan Jyoti Bima Yojana gives ₹2 lakh life cover for ₹436/year (ages 18–50). Features, enrolment, and why it should top up — not replace — a term plan.

A single hospital stay can wipe out years of careful saving. Medical costs in India have been rising steadily, and even a routine surgery or a few days in an ICU can run into lakhs. Health insurance is what stands between a medical emergency and a financial one — yet many people either rely solely…

Term insurance is the simplest, cheapest, and most important insurance most earning Indians will ever buy — and yet it is widely misunderstood and under-bought. A term plan pays a large sum to your family if you die during the policy term, replacing the income they would lose. The two questions everyone asks are “how…

e-Insurance Account (eIA) holds all your insurance policies digitally – one dashboard for life, health, motor, home. IRDAI mandated default electronic from Oct 2024.

Insurance premium above Rs 5 lakh aggregate makes maturity taxable (Budget 2023 for non-ULIP policies). ULIPs: Rs 2.5L threshold. Death benefit always tax-free.