Value Research Online

Ten times your income is the wrong life cover rule

Wed, 24 Jun 2026 18:21:54 +0530

The 10x income rule gets the number wrong at every age except one. Here is how to size your term cover to your actual liabilities, savings and dependants at each stage.

Your health policy got stronger

Sat, 20 Jun 2026

Cashless Everywhere, a three-hour discharge rule and a five-year no-rejection guarantee are now in place. Here is what each actually delivers and where enforcement lags.

Does this fix India's claim-rejection mess?

Thu, 18 Jun 2026 18:40:38 +0530

Insurers reject one in 12 claims and pay 71 paise per rupee claimed. The managed care model promises to fix that. Here is what it solves and what it quietly relocates.

Is your term insurance cover actually enough?

Wed, 20 May 2026

Picking Rs 1 crore because it sounds right is not a plan. Your term cover must replace income, clear loans and protect goals. Here is how to calculate the right number.

Insured, but not covered

Mon, 20 Apr 2026 12:58:00 +0530

Cashless claims are being denied even at empanelled hospitals. Here is why it happens, what to do when it does and how to pick a health insurer that actually pays up.

Small add-ons to protect big claims

Fri, 20 Mar 2026

Room rent caps, co-payments and consumable exclusions can slash your health insurance claim. Here is which riders close real gaps and which ones you can skip.

Do you really need term insurance riders?

Fri, 20 Feb 2026

Not all term insurance riders improve protection. Learn which riders add value and which only increase costs without strengthening your family’s financial safety.

Your biggest money risk wears a hospital gown

Tue, 20 Jan 2026

Relying on low health insurance cover can wipe out years of savings. Here’s how to choose the right cover, floater vs individual plans, and avoid costly gaps.

Life insurance is a must-have, right? Not always

Thu, 17 Jul 2025 15:00:00 +0530

Life insurance isn't always essential. In some real-life cases, it's money better invested elsewhere. Learn when it's okay to say no to life cover.

Need life insurance if you don't have loans or dependants?

Tue, 27 May 2025 18:02:32 +0530

If you have no dependants or liabilities and a solid portfolio, life insurance may be not be necessary. Here’s when to keep it, and when to let it go.

Which life insurance riders should you definitely have?

Tue, 20 May 2025 18:26:02 +0530

Critical illness and waiver of premium riders can boost your term plan. Learn which riders to add and which to skip for smarter insurance coverage.

How long should you keep your life insurance policy?

Thu, 08 May 2025 16:54:09 +0530

Life insurance should last as long as someone depends on your income. Consider coverage until retirement age for maximum benefit and cost savings.

How to port health insurance without losing benefits

Thu, 20 Feb 2025 18:01:12 +0530

Read our five-step guide on how to switch health insurance providers without losing benefits like no-claim bonuses and waiting periods

IRDAI caps annual health insurance premium hike at 10% for senior citizens

Fri, 31 Jan 2025 18:31:25 +0530

Senior health insurance premiums can rise max 10% yearly. IRDAI mandates approval for higher hikes, aims to control costs through hospital rate standards.

9 tips to buy the most effective life insurance

Mon, 06 Jan 2025 13:44:36 +0530

Here's how you can select life insurance with practical tips on choosing term plans, calculating coverage, understanding riders, and protecting your family's interests.

8 essential tips to choose the right health Insurance

Thu, 02 Jan 2025 14:27:28 +0530

Master the art of selecting health insurance with our comprehensive guide covering coverage, network hospitals, claim settlements, and key policy features.

What is 'no claim bonus' in health insurance and how to protect it

Tue, 26 Nov 2024 11:17:28 +0530

We understand no claim bonus in health insurance: how it works, pros and cons, and smart ways to maximise benefits.

Time for all senior citizens to stop their private health insurance?

Tue, 08 Oct 2024 16:13:06 +0530

Explore Ayushman Bharat PM-JAY's Rs 5 lakh coverage for seniors vs private health insurance. Learn benefits, limitations, and smart strategies.

Above 70? You'll now get free Rs 5 lakh health insurance

Thu, 12 Sep 2024 18:07:09 +0530

All senior citizens above 70 can now receive Rs 5 lakh health insurance under Ayushman Bharat, regardless of income, benefiting nearly six crore people in India.

Six reasons why you must have travel insurance this summer vacation

Mon, 03 Jun 2024 18:06:05 +0530

Discover why travel insurance is essential for a stress-free vacation. Get coverage for flight cancellations, lost baggage, medical emergencies, and more.