Healthcare costs in India are rising quietly but steadily. Even for central government employees and pensioners covered under CGHS, a single hospitalisation can sometimes lead to unexpected expenses, delayed reimbursements, or partial coverage. This is exactly the gap Paripoorna Mediclaim Ayush Bima for CGHS beneficiaries is trying to fill. Instead of replacing CGHS, this scheme … Read more
Farming in India has always involved uncertainty. Even after investing money in seeds, fertilisers, labour, and irrigation, farmers remain dependent on weather conditions that are beyond their control. A delayed monsoon, excessive rainfall, drought, floods, or pest attacks can wipe out an entire crop season. This is where Pik Vima 2025 becomes relevant. In simple … Read more
Choosing health insurance for your family isn’t just about buying a policy—it’s about protecting your loved ones from unexpected medical bills. With healthcare costs rising each year, the key question is: How much family floater health insurance coverage is actually enough? In this article, we’ll break it down in simple, practical terms and guide you … Read more
If you’ve ever read a health insurance policy word by word (most people don’t, and that’s okay), you’ve probably come across a line called “Restoration of Benefits”. It sounds technical, maybe even fancy—but what does it actually do for you? Simply put, the restoration of benefits clause in health insurance allows your policy to refill … Read more
Buying health insurance can feel like a maze. Most of us focus on coverage amounts, hospital networks, or premium costs, but health insurance exclusions are often ignored — until you file a claim and realize certain treatments or conditions aren’t covered. In this guide, we’ll explain what these exclusions are, why insurers include them, common … Read more
At some point, almost everyone asks these questions — “Is health insurance a waste of money? or is it actually worth it? isn’t it just another expense draining my salary?” When you’re young, relatively healthy, and already juggling EMIs, rent, and lifestyle costs, paying thousands every year for something you might never use can feel … Read more
Health insurance is one of the most important financial safety nets you can buy today — but with digital distribution growing rapidly, many Indians are asking: Should I buy insurance online or from an agent in India? The answer isn’t one-size-fits-all. It depends on your knowledge, comfort with tech, risk profile, and what you value … Read more
Term life insurance is often discussed using round numbers — ₹50 lakh, ₹1 crore, ₹2 crore — as if one figure can work for everyone. In reality, deciding how much term life insurance you need in India in 2026 is a personal financial calculation, not a rule-of-thumb exercise. The right coverage amount depends on your … Read more
Let’s be honest: nobody buys health insurance because they enjoy reading 40-page policy documents. You buy it for that 2:00 AM hospital lobby moment when you’re stressed out and just want to know one thing: “Will the insurer pay this claim, or am I stuck with a ruinous bill?” In the world of health insurance, … Read more
If you are looking for a Step-by-step guide for first time health insurance buyers in January 2026, you have come to the right place. As we enter the new year, the healthcare world is moving faster than ever—with smarter technology and streamlined digital claims, but also significantly higher hospital costs. For a first-time buyer, insurance … Read more