Does E20 Petrol Affect Car Insurance? What Insurers and the Government Clarified (2026)
Why E20 Fuel, Not the GST Cut, Became India’s Loudest Insurance Story AI OVERVIEW Using E20 petrol (20% ethanol, 80% petrol) does not invalidate your motor insurance or, by itself, lead to claim rejection. In June 2026, a large private general insurer’s blog suggested E20 use in incompatible older vehicles could be viewed as negligence; […]
CoverSure Insurance Gift Cards: The Gift That Truly Keeps on Giving
India’s First Insurance Gift Card: The Gift That Doesn’t Expire AI OVERVIEW CoverSure’s Insurance Gift Card lets you gift the value of protection without choosing a policy on someone’s behalf: you give the amount, and the recipient decides what it becomes, such as health cover, a term plan, motor or travel insurance, on the CoverSure […]
Insurance Independence: Managing, Understanding and Maximising Your Insurance in 2026
80th Independence Day: What Insurance Independence Means in 2026 AI OVERVIEW Insurance independence means not depending on an agent, a WhatsApp forward, or guesswork every time you need to understand, use, or renew your insurance. It covers the whole life of a policy: knowing how much cover you actually need before you buy, keeping every […]
Personal Accident Insurance: No Calendar Invite
Personal Accident Insurance: What Does It Cover? The Numbers Nobody Wants to Read: Road Accidents in India, and What a Cover Actually Does MoRTH’s 2024 report records 4,87,707 road accidents in India. 1,77,175 deaths. 4,71,441 injuries. Broken into daily terms: 1,336 accidents a day. 485 deaths a day. Nearly 20 deaths every hour. The crashes […]
Life Doesn’t Send a Calendar Invite: The 3 Covers Most Indians Skip
Life Doesn’t Send a Calendar Invite. Are You Covered for All 3? You plan for the things you can see coming. The wedding, the vacation, the new phone launch, the tax deadline in March. You block your calendar for all of it. But the accident on your way to work tomorrow isn’t on that calendar. […]
Does Health Insurance Cover Genetic Disorders in India? Rules, Court Cases and Tips
Does Health Insurance Cover Genetic Disorders in India? AI OVERVIEW Health insurance in India can cover genetic disorders, but how depends on timing and policy terms. In 2018, the Delhi High Court held that a broad “genetic disorders” exclusion was ambiguous and discriminatory, and IRDAI issued a circular in response; the Supreme Court later stayed […]
Room Rent Limit in Health Insurance: Proportionate Deduction Explained (2026)
What is Room Rent Limit in Health Insurance? AI OVERVIEW A room rent limit is the maximum your health insurance policy pays per day for your hospital room. It can be a fixed amount (for example ₹3,000 a day), a percentage of the sum insured (commonly 1% for a normal room and 2% for ICU), […]
What is the Co-payment Clause in Health Insurance?
What is Co-payment in Health Insurance? Meaning, Types, and Examples (2026) AI OVERVIEW Co-payment (co-pay) in health insurance is the fixed percentage of every admissible claim you pay, while the insurer pays the rest. IRDAI’s standard definition describes it as a cost-sharing requirement where the insured bears a specified percentage of the admissible claim amount, […]
The Insurance Gap You Didn’t Know You Had: A 5-Minute Reality Check (2026)
The 5-Minute Insurance Audit Most Indians Skip (And What It’s Quietly Costing Them) AI OVERVIEW An insurance audit is a quick, honest check of whether the insurance you hold still fits your life. It has five steps: 1) Visibility: know every policy you and your family hold, in one place. 2) Adequacy: check whether each […]
Maternity Coverage in Health Insurance: A Complete Guide to Safe and Secure Pregnancy Planning
AI OVERVIEW Maternity coverage in health insurance pays for childbirth-related costs: normal or C-section delivery, often pre- and postnatal care, and sometimes newborn care and complications. It is not automatic. Under IRDAI’s standardised exclusions, maternity expenses are excluded by default (except ectopic pregnancy) unless the policy specifically covers them through a built-in benefit, an add-on, […]
Debunking the Insurance Myth: Having Insurance ≠ Being 100% Insured
AI OVERVIEW Having an insurance policy does not mean you are fully protected. Coverage is conditional: what gets paid depends on your sum insured versus your real risk, and on clauses like room rent limits, co-payment, sub-limits, deductibles, waiting periods, exclusions, and consumables. Many Indians are also under-insured because they rely on employer covers that […]
How To Choose The best Health Insurance Plan?
AI OVERVIEW To choose the best health insurance plan in India, follow six steps. 1) Assess your risk and ideal cover using age, city, lifestyle, family history, and pre-existing diseases. 2) Shortlist must-have features: no co-pay, no room rent limit, no disease-wise sub-limits, the shortest possible pre-existing disease waiting period (IRDAI caps it at 36 […]
