IRDAI
9 articles tagged IRDAI.
Medical Inflation in India 2026: Decade of Data and What It Does to Your Retirement Corpus
India's medical inflation has averaged roughly 14% per year for a decade — more than twice the general CPI. For a 60-year-old retiring today, healthcare alone will need 6–8× the corpus a 60-year-old needed in 2015. The numbers, the drivers, and how to rebuild the retirement-healthcare bucket.
Moratorium Period in Health Insurance (India 2026): The 5-Year Non-Contestability Rule
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 Housewife or Homemaker in India (2026): Eligibility, Cover and Why It Matters
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.
Grace Period and Policy Revival in Life Insurance (India 2026)
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.
Free-Look Period in Insurance (India 2026): How to Cancel a New Policy and Get a Refund
Bought a policy you regret? IRDAI's free-look period lets you cancel a new life or health policy within 30 days and get your premium back, minus small deductions.
How to File an IRDAI / Insurance Ombudsman Complaint via Bima Bharosa (2026)
If your insurer rejects a valid claim or mis-sells a policy, you have a free three-step escalation: the GRO, IRDAI Bima Bharosa and the Insurance Ombudsman. Here is how.
Health Insurance Claim Rejection: Top Reasons & How to Avoid Them (2026)
Most rejected health claims are avoidable mistakes made at purchase or filing. The top reasons claims get rejected in India and exactly how to protect yourself.
How to Choose Health Insurance in India: The No-BS Guide for 2026
Health insurance in India demystified. Cashless vs reimbursement, room rent limits, co-payment, waiting periods, and how to compare plans without losing your mind.
Term Insurance vs Endowment Plan: Which One Should You Actually Buy?
Term insurance costs ₹12,000/year for ₹1 crore cover. Endowment costs ₹5 lakh/year for the same. We break down the math with the BTID strategy so you can decide which one to actually buy.