Combine a robust base health plan with a super top-up, critical illness cover and a dedicated medical corpus to protect household finances from soaring treatment costs.
Marriage, childbirth, dependent parents and ageing increase the cover a person needs.
Young buyers often underestimate future health risks.
Buyers should check their scope and triggers and whether they need such policies alongside their regular health insurance.
List all unavoidable expenses such as rent, groceries, transportation, education and medical bills.
If you do not insulate your retirement corpus from the true cost of modern critical care, you don't have a retirement plan -- you have a fragile strategy waiting for an expensive medical emergency to break it
With medical inflation hovering at around 13-14 per cent annually, policyholders must reassess their sum insured once every two years.
Behind the aesthetics of an entrepreneurial lifestyle lies a silent financial crisis that nobody is talking about: Freelancers are sprinting toward a retirement brick wall.
Make sure the rider adds value rather than just adding to cost.
The best time to buy health insurance is when you don't think you need it.
Aam Aadmi Party national convenor Arvind Kejriwal on Friday claimed that Punjab assembly elections may be held in November this year as against the expected February 2027. Kejriwal also projected Bhagwant Mann as the party's chief ministerial face.
'Opt for a minimum cover of Rs 10 lakh to Rs 15 lakh, especially in urban and metro areas.'
Yes Bank has launched a salary account designed for working women, offering financial protection, healthcare benefits, lifestyle privileges, and wealth-creation opportunities.
Customers frequently sign without reading the terms and conditions, resulting in a poor understanding of coverage, and eventually leading to partial payouts
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Senior Congress leader and former Rajasthan chief minister Ashok Gehlot said the proposed scheme would be a game-changer as it will provide comprehensive health coverage to families, covering medical expenses for critical illnesses, hospitalisations, and treatments.
Reduction of GST on health insurance premium from 18% to 0% looks like a straight 18% reduction in what consumers pay. The truth, however, is...
Be it poor, middle class, upper middle class or rich, every individual who is 70 years and above is eligible for getting Ayushman card and will receive free treatment up to Rs 5 lakh at any of the AB PMJAY empanelled hospitals once the expanded scheme gets launched.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
Irdai has listed diseases that can't be excluded from health insurance policies, including neurodevelopmental disorders, mental illness problems, psychological disorders, genetic diseases, puberty- and menopause-related disorders.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
According to the action plan finalised by the General Insurance Council, the industry lobby for non-life insurers, the portable health cover will be available for a period of three years initially. Depending on the feedback in terms of claims ratio, the insurance companies will take a call on whether to extend the cover. Also, the scheme will be open to only those in the age group of 18-40.
Group policies are more suitable for diabetics; these are negotiable & flexible.
With the Union Budget introducing service tax on hospitals and health check-ups, your medical bills are likely to get higher.
Ideally, people who have a family medical history should buy high sum assured if they can afford the premium of the same.
A travel policy is not enough as most domestic ones do not provide health cover. On the other hand, only overseas travel plans cover hospitalisation, apart from travel-related risks.
The Insurance Regulatory and Development Authority has clarified that only the premium collected for providing health cover in the case of unit-linked health insurance policies will be eligible for tax benefits.
Rashtra Swasthya Beema Yojana to start from April 1 in Delhi and Haryana. Each family belonging to the unorganised sector will get Rs 30,000.
First-time buyers advised to take offline route, so are those looking for specific feature or higher cover.
The government on Friday said it intended extending coverage of its flagship health insurance scheme for poor families to auto-rickshaw drivers, cycle rickshaw pullers, street vendors and rag-pickers.
You need not shell out the big bucks to be pampered. Buy a health cover and enjoy luxury treatment at a spa, join a gymnasium or a yoga centre and get the necessary incentives that suit your budget.
The Bharatiya Janata Party (BJP) has released the first part of its manifesto for the upcoming Delhi assembly elections, promising Rs 2,500 monthly aid for women, LPG cylinders at Rs 500, and Rs 2,500 pension for senior citizens. BJP president JP Nadda also assured that all existing public welfare schemes in Delhi will continue if the party is voted to power. The manifesto also includes a promise to implement the 'Ayushman Bharat' scheme in Delhi, providing additional health cover of Rs 5 lakh.
Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual fund and personal finance-related questions.
Purchase health insurance early while you are disease-free. 'It might become very difficult to get a comprehensive health cover for someone who has already had cancer.'
Finance Minister Nirmala Sitharaman on Saturday said the government will arrange identity cards and registration on the e-Shram portal to assist 1 crore gig workers. Presenting the Union Budget 2025-26, the finance minister also said a scheme for the socio-economic upliftment of urban workers will be implemented.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
A number of insurers offer health policies designed especially for senior citizens.
