Life insurance is a crucial pillar of financial security, offering peace of mind and protection for your loved ones. However, customers often find themselves with policies that donāt align with their actual needs. Sometimes, what customers truly require is not what theyāre offered, as the focus shifts toward savings or investments rather than essential protection….
My wife has been diagnosed with Glioblastoma (brain cancer). After surgery and radiation, her doctor has prescribed Temozolomide for five days as part of chemotherapy which will continue for 9 -12 months. Unlike other chemotherapy treatments that require hospitalization and allow for cashless claims, this medicationācosting around ā¹40,000 per monthādoes not require hospital admission. Given…
Read this | Can a high sum-assured Ulip offer better cover, returns? An index fund typically tracks a broad index, like the Nifty50 or NiftyNext50, without the need for an active fund manager to pick stocks. However, some index funds are designed with specific rulesāknown as “factors”āsuch as value, momentum, or growth, to create a…
I have been diagnosed with diabetic retinopathy. The doctor recommends intravitreal injections over a few months. It’s a daycare procedure and doesn’t require hospitalisation. However, it is an expensive treatment. Will my health insurance cover the expenses?Ā -Name withheld on request Insurance coverage for intravitreal injections, an essential treatment for diabetic retinopathy, depends on the…
HDFC Ergo raises premiums, Star Health to hike premiums by 10%-15% for 30% of its policies, Niva Bupa and New India also to increase rates. After HDFC Ergo General Insurance that raised premiums for its flagship health insurance products āOptima Secureā and āOptima Restoreā from August and Star Health and Allied Insurance said it is…
M. Pattabiraman, a physics professor at IIT Madras, teaches complex theories to eager students. Beyond the classroom, heās also a well-known personal finance figure, with nine of his financial calculators featured on the Securities and Exchange Board of Indiaās (Sebi) investor education site. Also meet Vijay Malik, a doctor who practised for five years but…
I am the founder of a 25-person startup. What types of group insurance should I buy for my team? Are these policies available for small companies like ours, or are they exclusive to larger companies? āName withheld on request For a startup, often the right set of insurances become critical to attract the right quality…
