News
Already insured but denied higher cover: Are top-ups and critical illness plans worth it?
1+ hour, 51+ min ago (346+ words) I was recently declined health insurance for sum assured above "5 lakh after declaring my spine slip disc (L4/L5) and sharing MRI reports from 2022 and 2025. I have not had surgery nor been advised one. I already have a policy of "10 lakh. Is…...
Base plan isn’t enough: How top-up insurance protects you from medical catastrophe
6+ hour, 48+ min ago (730+ words) 6,818 is what it cost me to increase our family health cover from 20 lakh to 5 crore using a top-up policy. We are in our mid-50s with two children in their 20s. This is why I often advocate top-up insurance'sometimes also called super top-ups'to…...
Monetary puzzle: Why cash in circulation has risen in India even as UPI transactions set new records
5+ day, 8+ hour ago (605+ words) After the rationalization of GST rates and amid festive-season demand, India's currency in circulation (CiC) climbed to record-high levels in late 2025 and early 2026. In January, it touched "40 trillion. So far in 2025-26, CiC has increased by "2.76 trillion, 3.1 times the rise seen in…...
Why group health insurance isn’t the safety net India thinks it is
1+ week, 4+ day ago (698+ words) Over the past few years, group and affinity health insurance products have been projected as an easy answer to India's health insurance challenges. Employers, banks, fintech platforms, cooperatives and government schemes have collectively expanded coverage to millions of lives. At…...
When Insurance Pays You Back for Staying Healthy
1+ week, 5+ day ago (476+ words) More than one lakh policyholders earned their premiums back upto 100% in FY25a reflection of how health insurance is beginning to reward staying well, not just paying for illness. Behind this scale are thousands of individual journeys shaped by everyday health choices,…...
Can you buy term insurance for your cook or domestic help?
2+ week, 4+ day ago (459+ words) I want to buy a term insurance policy for my cook. He is 39 years old with an annual income of "2 lakh and has a wife and three children. Are there term plans for low-income groups that an employer like me…...
Why under-priced group health insurance hurts policyholders
2+ week, 4+ day ago (509+ words) Group health insurance receives far less attention than retail health. Yet it is the backbone of India's health insurance industry. Group policies account for nearly 60% of total health insurance premiums. For general insurers, group health makes up about 74% of their…...
Health Insurance Plans: How to Choose The Right Coverage For Your Needs
2+ week, 6+ day ago (503+ words) Choosing a policy can feel confusing because many benefits look similar at first glance. The easier way is to match the plan to actual risks, budget, and how healthcare is typically used. Health insurance is mainly meant to reduce the…...
Why hospitals are targeting health insurance buyers
2+ week, 6+ day ago (893+ words) As India seeks to deepen health insurance adoption, a few companies are combining treatment and care with medical coverage, promising improved outcomes and lower premiums. Non-life insurance premiums, including health coverage, are expected to grow at an annual average rate…...
Sun Pharma Q3FY26: Impact of Trump's MFN drug pricing norms to be in focus
3+ week, 3+ day ago (511+ words) Sun Pharma, India's largest drugmaker, is set to post its results for the third quarter of the fiscal year on Saturday. While brokerages anticipate steady domestic growth and marginal sequential growth in its US business, driven by its innovative drugs,…...