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. These guides cover the real questions families face.
▸ What Happens to Your Term Insurance When Your Nominee Dies Before You?
Your policy does not automatically transfer to your family. 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.
▸ Can You Have Two Term Insurance Policies From Different Companies in India?
Disclosure rules and claim complications when you hold more than one policy.
▸ Term Insurance for Self-Employed With Irregular Income India
ITR, GST returns, and what actually works when your income isn't a fixed salary.
▸ Term Insurance for Women Below 30 India — Premium Advantage Explained
Why a 25-year-old non-smoker woman can lock ₹1 crore cover at an unusually low premium.
Health Insurance
Health insurance in India is full of fine print that costs families lakhs during hospitalisation. These guides decode actual policy documents so you know exactly what you are buying.
▸ How to Read a Health Insurance Policy Document India — What to Check Before Signing
The 12 clauses that matter most — and the ones that quietly reduce your claim.
▸ Health Insurance for Parents Above 60 India — Pre-Existing Conditions and Which Plans Accept
Cover for senior parents with diabetes, hypertension or heart conditions — waiting periods and premiums.
▸ How to Add a Newborn Baby to Your Health Insurance Policy India — Deadlines and Documents
The two different "90-day" rules at work, and exactly what to file and when.
▸ Cashless vs Reimbursement Health Insurance Claim India — Which Is Better and When
What to choose at the hospital admission desk under pressure.
Motor Insurance
Car and bike insurance is mandatory — but most people renew blindly. These guides break down the fine print and the claim process.
▸ How to File a Motor Insurance Claim in India — Step by Step
Cashless, reimbursement, theft and third-party cases, plus the IRDAI surveyor and reporting timelines.
▸ Third Party vs Comprehensive Car Insurance India — Which to Buy for an Old Car
When comprehensive cover stops being worth it as your car ages.
Home Insurance
Home insurance is cheap and badly understood — and bank-bundled policies are usually underinsured. These guides explain what you actually need.
▸ Bharat Griha Raksha India — What This IRDAI-Mandated Cover Actually Includes (and Nine Things It Doesn't)
The standard home insurance product every general insurer must offer.
▸ Home Insurance Average Clause India — Why a ₹5 Lakh Policy Often Pays Only ₹3 Lakh
Underinsurance is the single most damaging line of fine print in Indian property cover.
▸ Home Insurance India — Why Almost Nobody Buys It and What It Should Cover
The cover most homeowners skip until it's too late.
Insurance Rights
Insurance companies are regulated by IRDAI — and you have more rights than you think. When a claim is unfairly rejected or settlement is delayed, these guides show you what to do.
▸ Insurance Ombudsman India — How to Approach and the Complaint Process Steps
The free, formal route to challenge a rejected or delayed claim.
▸ Bima Sugam India — What It Is and How to Use It to Compare Insurance Policies
The IRDAI insurance marketplace and where it stands right now.
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