The Insurance Hub is where Finance Guided covers everything Indian families need to know about protecting themselves — from term life insurance to health insurance to your rights as a policyholder. Every guide here is based on IRDAI regulations, actual policy wordings, and real claim scenarios — not sales pitches.
We do not sell insurance. We do not earn commissions. We research policies so you can make informed decisions without relying on an agent's word alone.
Term Insurance
Term insurance is the most important financial product for any earning Indian with dependents — and also the most misunderstood. Our term insurance guides cover the real questions families face: what happens to your cover if you miss a payment, how nominees actually receive the claim, and whether self-employed individuals can even get a policy.
▸ What Happens to Your Term Insurance When Your Nominee Dies Before You?
Your policy does not automatically transfer to your family. Here is what you must do immediately to keep your cover valid.
▸ What Happens If You Stop Paying Term Insurance Premiums in India?
Grace periods, lapsed policy rules, and whether you can revive a policy after missing payments — the complete picture.
▸ Can You Have Two Term Insurance Policies From Different Companies in India?
Yes, you can — but disclosure rules and claim complications are real. This guide explains exactly how multiple policies work.
▸ Term Insurance for Self-Employed With Irregular Income India
Agents say self-employed people cannot get term insurance. That is not true — but the process is different. ITR, GST returns, and what actually works.
Health Insurance
Health insurance in India is full of fine print that costs families lakhs during hospitalisation — room rent caps, waiting periods, co-payment clauses. Our health insurance guides decode actual policy documents so you know exactly what you are buying.
▸ How to Read Health Insurance Policy Document India — What to Check Before Signing
The 12 clauses that matter most in your health insurance policy — and the ones that will reduce your claim if you miss them.
▸ Health Insurance for Parents Above 60 India — Pre-Existing Conditions and Which Plans Accept
Finding health cover for senior parents with diabetes, hypertension, or heart conditions. Which insurers accept, waiting periods, and what premiums to expect.
Insurance Rights
Insurance companies are regulated by IRDAI — and you have more rights than you think. When a claim is unfairly rejected, when an agent misleads you, or when your insurer delays settlement beyond the mandated timeline, these guides show you exactly what to do.
Guides on IRDAI complaint filing, claim rejection disputes, and policyholder rights are coming soon in this section.