Insurance
Right cover for term life, health, motor and travel, and which insurances aren't worth buying.
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What's That Daily Habit Costing You?
Coffee, Swiggy, OTT, see what they really cost over 10 years.
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Subscription Killer
List every auto-debit. See the annual damage you didn't notice.
Term Life Cover Calculator
Human-life-value method, the right number, not the salesman's pitch.
Health Insurance Coverage
How much cover, city-by-city, for your family.
Latest in Insurance
6 min read · Updated 2026-04-18
How much term-life cover do you actually need?
Most agents will quote you 10× your salary. The honest number is usually 15-20×, and the 'human life value' method is the only one that holds up.
8 min read · Updated 2026-06-11
How much health insurance does a family actually need?
₹5 lakh is the default most Indian families buy, and it is dangerously low. Here is how much cover you actually need, and the cheap way to get to it.
8 min read · Updated 2026-06-04
Term insurance vs ULIP: why mixing the two costs you
ULIPs and endowment plans bundle insurance with investment, and do both badly. Here is the honest case for keeping protection and investing separate.
7 min read · Updated 2026-05-13
Why health insurance claims get rejected in India
Most health insurance claims in India are rejected for avoidable reasons: non-disclosure, waiting periods, room-rent caps and missing documents. Here is how each works and how to stay on the safe side.
7 min read · Updated 2026-05-14
Critical illness vs personal accident cover: who needs it
Critical illness pays a lump sum when you are diagnosed with a listed illness. Personal accident covers death and disability from accidents. Here is who genuinely needs each, who is being upsold, and how they differ from health and term insurance.
7 min read · Updated 2026-08-26
Do you need health insurance in your 20s in India?
Your employer's cover is not yours, it ends the day you leave, and buying young locks in a price you keep for decades.
8 min read · Updated 2026-09-04
Own damage vs third party car insurance, in plain English
What the legally required cover actually protects, what it does not, and how IDV, depreciation and no claim bonus decide what you are really paid.
8 min read · Updated 2026-09-05
Health insurance waiting periods, and when your cover really starts
The initial wait, the disease-specific list, the pre-existing clause and the five-year moratorium. What each one blocks, and for how long.
7 min read · Updated 2026-09-26
Health insurance for parents in India: cover and the 80D deduction
Why a separate policy for parents usually beats adding them to your floater, what to check in a senior citizen plan, and the tax deduction of up to ₹50,000.
Topics we cover in Insurance
Term life
The full guide on Term life is being written. Get it the moment it lands.
Health insurance
- How much health insurance does a family actually need? →
₹5 lakh is the default most Indian families buy, and it is dangerously low. Here is how much cover you actually need, and the cheap way to get to it.
- Why health insurance claims get rejected in India →
Most health insurance claims in India are rejected for avoidable reasons: non-disclosure, waiting periods, room-rent caps and missing documents. Here is how each works and how to stay on the safe side.
- Do you need health insurance in your 20s in India? →
Your employer's cover is not yours, it ends the day you leave, and buying young locks in a price you keep for decades.
- Health insurance waiting periods, and when your cover really starts →
The initial wait, the disease-specific list, the pre-existing clause and the five-year moratorium. What each one blocks, and for how long.
- Health insurance for parents in India: cover and the 80D deduction →
Why a separate policy for parents usually beats adding them to your floater, what to check in a senior citizen plan, and the tax deduction of up to ₹50,000.
Motor & NCB
The full guide on Motor & NCB is being written. Get it the moment it lands.
Travel cover
The full guide on Travel cover is being written. Get it the moment it lands.
Insurances to avoid
The full guide on Insurances to avoid is being written. Get it the moment it lands.