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Insurance, credit cardsComing soon, loansComing soon, banking accountsComing soon, personal financeComing soon — we break it all down in plain English, with honest trade-offs and no spam. Just clear answers to real questions Indians ask.
Independent reviews & verdicts for major Indian insurers
Explore Insurance Choices
Independent coverage guides, plan comparisons, and claim verdicts without broker bias.
Health Insurance
Restoration benefits, room-rent limits, pre-existing rules, and real claim-readiness of major insurers.
Term Life Insurance
Claim Settlement Ratios, policy duration fit, rider logic, and claim-safe documentation guides.
Auto Insurance
Own Damage covers, Zero Depreciation, Third Party liability, and Claim settlements comparison.
- Check room restrictions (prefer no room rent limits)
- Avoid high co-payment clauses (don't split the bill)
- Look for unlimited restoration benefit features
- Verify pre-existing disease waiting period is < 3 years
- Select insurers with a high Claim Settlement Ratio (CSR)
Insurance Checklist
We know how difficult it can be to navigate through hundreds of policies. So we've designed this handy checklist to make sure you know exactly what to look for in a good policy before signing.
FAQ
How is health insurance different from term life insurance?
Health insurance covers hospital bills, medical treatments, and surgeries while you are alive. Term life insurance provides a pure, tax-free cash payout to your family if you pass away during the policy term.
What is a Claim Settlement Ratio (CSR) and why does it matter?
CSR is the percentage of total claims an insurer approves and pays out of all claims received in a year. A higher CSR (e.g., above 97%) generally indicates a more reliable claim settlement record.
What are room rent sub-limits in health insurance?
Some policies cap room charges to 1% of the sum insured per day. Exceeding this limit triggers proportionate deductions, forcing you to pay a large share of the entire hospital bill out of pocket.
What is a Zero Depreciation cover in car insurance?
Standard car insurance deducts value for wear and tear (depreciation) on parts like plastic and rubber during a claim. A Zero Depreciation add-on ensures the insurer pays 100% of the replacement parts cost.
Use a tool
Practical calculators for tax planning and decision support. More tools are added progressively.
- Income Tax CalculatorLive
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- In-Hand Salary CalculatorLive
- NRI Salary & Tax CalculatorLive
- Retirement & FIRE PlannerLive
- EPF CalculatorLive
- Credit Card MatcherComing soon
- Term Cover CalculatorComing soon
- Health Premium CalculatorComing soon
- Car Insurance CalculatorComing soon
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Software Engineer, Bangalore
“I used the term insurance checklist to audit my policy and realized my agent skipped key medical disclosures. Corrected it just in time to stay claim-safe.”
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