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The role of insurance in catastrophes

Published in Mint on May 11 2016, Written by Kapil Mehta General insurance in India is a poor second cousin to life insurance. That is because life insurance impacts people directly whereas general insurance, consisting of products like fire, liability, engineering and marine insurance, is usually purchased by companies. It typically gets relegated to an […]

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Life insurance policy can be held in demat or hard copy format

Published in Mint on May 03 2016, Written by Abhishek Bondia Can a policy holder have a life cover in both electronic and paper form? —Geetesh Handa You can choose to keep your policy either in de-materialised (demat) or hard copy form, but not in both. But you can opt to keep some policies in […]

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How to File a Fire Insurance Claim

Published in Economic times on Apr 29 2016, Written by Kapil Mehta A fire entails not just tremendous physical and financial damage, but also a fair amount of emotional and mental trauma. Nobody expects a fire, so it’s important to be prepared for how to deal with one, if it ever does occur. The aftermath […]

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Deductible and its application are key to top-up health plans

Published in Mint on  Apr 26 2016, Written by Abhishek Bondia My family and parents are covered by a general insurance policy by my employer. I want to buy a top-up health insurance plan. Shall I take it from the same insurer as my employer’s? Explain what top-up plans are. —Avijit Acharya Top-up plans are […]

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Start your day with Surya Namaskar

Getting up early in the morning and practising Surya Namaskar is one of the best ways to start your day fresh. Also known as sun salutation, Surya Namaskar is a sequence of 12 yoga poses that flow one into the other with rhythmic breathing. Each of the 12 Surya Namaskar poses is designed to have […]

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Spinach- A Super Powerful Green Vegetable

Popeye was on the right path when he chose spinach as his source of vitamins and superpowers. When you were young, you probably didn’t like to eat it. You can have them sometimes in drinks, salads, soups, a sandwich, or even in stew. You can make spinach a part of your daily diet by eating it […]

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Staying up late could be bad for your health

Staying up late will be detrimental to human health, because the adrenal cortex hormone and growth hormone are all secreted during the night when people are sleeping. The former is secreted before dawn, which can promote the metabolism of carbohydrate in human body, and protect the development of muscle; while the latter is produced only […]

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Survival period in a critical illness rider is usually 90 days

Published in Mint on  Apr 19 2016, Written by Abhishek Bondia When is the payment made if one has a critical illness rider with a life insurance policy? —Biju Jose The benefit of a critical illness rider is paid when the insured is diagnosed with one of the specified illnesses and lives through the survival […]

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Two insurance policies will not reimburse for the same expense

Published in Mint on Apr 12 2016, Written by Abhishek Bondia   Can I take a health insurance plan for my parents who are senior citizens? Are there any tax benefits that I can avail of if I pay the premiums for the insurance policy? —Shalin Gupta Yes, you can be a proposer for your parents’ […]

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Maturity of child plan should be linked to important milestones

Published in Mint on  Apr 05 2016, Written by Abhishek Bondia Are there circumstances under which a life insurance company might refuse to pay for claims? —Ayush Khatri One exclusion allowed in a life insurance contract is suicide in the first policy year. Apart from this, the insurer can deny a claim if there has […]

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