Few events in a vehicle owner's life match the frustration of receiving a claim rejection letter from an insurer. You paid your premiums on time, kept your vehicle in running condition, and expected the safety net to work when a truck clipped your handlebar in heavy traffic, yet the claim…

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Why buy an Engine Protector add-on with your third party car insurance policy?

There are about 10 perils covered under a comprehensive Pvt car motor insurance. One among them is damage to the vehicle including the engine caused by any accidental external means. Then, why should you purchase an add-on cover of an Engine Protector Guide Cover at an additional cost?

Under the engine protector cover, you get consequential damage to the internal child parts of the engine/ gearbox of the vehicle arising out of water ingression and /or leakage of lubricating oil due to Accidental means. To claim under this add-on. you have to show the evidence that the Insured Vehicle stopped in a waterlogged area resulting in damage to the internal parts of the engine due to water ingression, evidence of undercarriage damage to the engine and/or gearbox leading to oil leakage, and resulting in damage to internal parts of the engine and/or gearbox. Since these are consequential damages in nature, it is not covered under standard comprehensive motor policies and is to be covered by buying the above add-on.

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Do you know which medical expenses health insurance plans won't cover?

There are certain expenses in medical bills you pay out-of-pocket, even with family health insurance plans. Understanding non-payable items helps manage hospital bills, which often account for up to 10% of total costs alongside standard critical illness insurance policy benefits.

The list of non-payable items includes consumables and non-medical expenses. Best health insurance plans standardly exclude toiletries, cosmetics, personal comfort items, administrative charges, laundry, and internet costs. Medical accessories like spectacles, hearing aids, crepe bandages, and gauze are non-payable. Room-related expenses such as separate housekeeping, air conditioning, or attendant fees aren’t covered if billed separately. Administrative charges including admission kits, discharge procedures, visitor passes, and patient ID bands are also excluded from standard policies.

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How to manage your family health policies and critical illness insurance policy benefits?

The coronavirus disease (COVID-19) pandemic highlighted the importance of securing comprehensive coverage, including critical illness insurance policy benefits. It taught families how to prioritize health and long-term care. Having reliable family health insurance plans has become the new normal. Medical emergencies arrive unannounced, which is why choosing the best health…

Pre-Covid, a basic family floater policy of ₹5 lakhs was considered optimum. However, recent health crises demonstrated that single policies might fall short. Upgrading to top family health insurance plans with higher sums insured—ranging from ₹10 lakhs to ₹2 crores—ensures complete protection. Coupling base policies with super top-up covers maximizes your critical illness insurance policy benefits at an affordable premium.

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