Insights and Updates
Risk management, employee benefits, cyber and claims, written by the people who handle them.
Cashless or reimbursement: what actually happens at the hospital counter
The route you take decides how much cash you need on the day and how long the money takes to come back.
ReadZero depreciation: worth it, or an upsell?
On a newer car it usually pays for itself in one claim. On an older one it often does not.
ReadIDV: the one number that decides your car theft payout
Lowering the insured value to save premium quietly lowers every claim you will ever make on that policy.
ReadWhy a 1 crore term plan can still pay nothing
Term insurance is the cheapest cover per rupee and the easiest to invalidate. Almost always for the same reason.
ReadGST on insurance premium: what a business can and cannot take credit for
Company-paid group cover is treated differently from an employee personal policy, and the difference is often mishandled.
ReadThe 40,000 in your hospital bill that most health policies do not pay
Gloves, syringes, PPE, administration charges. Individually small, collectively a large uninsured line.
ReadDefective design on a CAR policy: what is excluded and what is still paid
The exclusion is narrower than most contractors assume, and the difference is worth crores on a large project.
ReadChanging health insurer without losing your waiting periods
Portability protects the years you have already served. It only works if you start early and disclose properly.
ReadWhy a director personal assets are exposed, and what D&O actually covers
Company indemnity fails exactly when it is needed most: when the company cannot pay.
ReadWhen claiming 8,000 costs you more than it pays
On motor cover, a small claim can wipe out a no-claim bonus worth several times the amount you receive.
ReadClaims-made cover: why cancelling professional indemnity can uninsure your past work
Liability policies written on a claims-made basis respond to when the claim arrives, not when the work was done.
ReadSuper top-up: how to get 50 lakh of health cover without paying for 50 lakh
A base policy plus a super top-up usually costs far less than one large policy for the same total cover.
ReadMarine open policy versus single transit: stop buying cover per consignment
If goods move regularly, per-shipment certificates cost more, and one forgotten declaration is an uninsured loss.
ReadYour claim was approved, so why did you still pay 40% of the bill?
Approval and full payment are two different things. Here is where the deductions come from.
ReadFree cover limit: the group life detail that decides whether a claim is paid
Cover above the free limit is not automatic. It needs underwriting, and unfinished underwriting is a claim problem.
ReadThe room rent limit: the clause that quietly cuts your health claim
A room rent cap does not just cap the room. In many policies it scales down the surgeon, the anaesthetist and the investigations too.
ReadAdding parents to the group policy: what it really does to the premium
It is the single largest driver of group medical cost, and there are three ways to structure it.
ReadCyber insurance is not cyber security. You need both.
One reduces the chance of an incident. The other funds what happens when it occurs anyway.
ReadA fire policy rebuilds the factory. It does not pay the salaries while it is rebuilt.
Business interruption cover is the part of a property programme most Indian SMEs skip, and the part that decides survival.
ReadUnderinsurance: the clause that makes the insurer pay only part of a partial loss
Insure a 10 crore factory for 6 crore and the insurer may pay 60% of every claim, not just the big ones.
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