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Insurance

Insurance is useful only when the structure is right. This section focuses on cover adequacy, product design, exclusions, and the mistakes that create expensive surprises later.

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Insurance

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Health InsurancePortabilityIRDAI+4 more

The 45-Day Health Insurance Escape: How to Port Your Policy Without Resetting Waiting Periods

Are you trapped with a terrible health insurance provider rejecting your cashless claims? Discover the exact legal IRDAI mechanisms to port your policy to a premium insurer without permanently losing the Pre-Existing Disease waiting periods you already earned.

Health InsuranceFamily FloaterPersonal Finance+2 more

The 'Family Floater' Health Insurance Mistake: Why Bundling Your Parents Destroys Coverage

A guide to separating parental cover from a family floater, with premium impact, no-claim bonus dilution, and room-rent limits.

Mar 13, 2026

11 min read

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Stronger topic guides across the main areas of personal finance

Insurance

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Term InsuranceClaim SettlementSection 45+2 more

Term Insurance Claims and Section 45: What Actually Puts a Claim at Risk

A practical guide to disclosure, contestability, Section 45, and the documentation habits that help reduce term-insurance claim-settlement problems.

Motor InsuranceZero DepreciationReturn to Invoice+2 more

Motor Insurance Add-ons Masterclass: Zero Dep, Engine Protect & Return to Invoice

Don't get scammed by car dealerships selling terrible insurance policies. We decode exactly which add-ons you actually need (and which ones are a waste of money) depending on your car's age.

Home LoanInsuranceScam Alert+2 more

Home Loan Insurance vs Term Insurance: What Borrowers Should Compare

A guide to loan-protection cover, including single-premium home-loan insurance, total cost when financed into the loan, borrower choice, and when a standalone term plan is cleaner.

Feb 18, 2026

22 min read