The right insurance policy is invisible when you need it least and invaluable when you need it most. Pick it with data, not fear.
About
The InvestingPro Insurance Desk produces all insurance-related content on the platform. We analyze term insurance plans across premium, sum assured, claim settlement ratio, and policy exclusions. For health insurance, we evaluate room rent limits, co-payment clauses, restoration benefits, and network hospital counts. Our guides use IRDAI Annual Report data for claim ratios and are not sponsored by any insurer.
Insurance in India is sold on fear and commission, not on logic. Most people either over-insure with expensive ULIPs or under-insure with inadequate coverage. Our insurance desk was created to make policy selection data-driven and transparent.
Areas of Expertise
Methodology & Standards
- Claim settlement ratios from IRDAI Annual Report
- Premium data from insurer websites and aggregators
- Policy exclusions verified from actual policy wordings
Track Record
- 10+ insurance comparison guides published
- Claim ratio comparisons updated annually
- Health insurance guide covering top 20 insurers
Recent articles from InvestingPro Insurance Desk
Senior health cover is most-needed and most-confusing — and now 18% cheaper after the Sep 2025 GST exemption. Best plans, real premiums, and how to pick by parent's age and city.
Zero-dep adds 15–25% to premium and almost every insurer upsells it. For a new car in city traffic it pays for itself; for an older one it is poor value. The honest 2026 math.
"Tax-free maturity" is no longer automatic. The Section 10(10D) + 194DA rules in 2026 — premium-to-SA test, ULIP ₹2.5L rule, traditional plan ₹5L rule, with worked examples.
Your insurance premium is 18% lower since 22 September 2025 — the GST Council exempted individual health and life. The full 2026 picture, what changed, and what still attracts GST.
The restoration benefit reinstates your health cover after a claim uses it up — so a second hospitalisation in the same year is still covered. Here's how to read the fine print.
IRDAI's 2024 reforms cut the health insurance moratorium from 8 years to 5. After 60 months of continuous cover, an insurer can no longer contest your claim on non-disclosure grounds — except in proven fraud.
Term insurance for a homemaker recognises the real economic value of unpaid household work. Here is who qualifies in 2026, how much cover is offered, and how to buy it.
A clear, reassuring guide to life insurance grace periods, what happens when a policy lapses, and how to revive a lapsed policy under IRDAI rules in 2026.