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Conflicts of interest hurt the business of insurance

Published in Mint on 6 December 2015, Written by Kapil Mehta Businesses deal with conflicts of interest routinely. Most such conflicts are harmless. The worst outcome of a pushy, incentive-driven salesperson is that like P.G. Wodehouse’s Bertie Wooster you, too, may end up with horrible purple socks never to be worn. In some cases, though, […]

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Discard these insurance plans

Published in Mint on Dec 05 2016, Written by Kapil Mehta Insurances can become irrelevant because of product improvements, lower current cost, change in laws or even lack of expected change in laws. Friends often send me their insurance portfolios to review. As I browse through the dusty files there are many insurances that are […]

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Some insurers can only cover overseas treatment for critical illnesses

Published in Mint on Dec 01 2016, Written by Abhishek Bondia There are different protocols to claim for treatment overseas. Some insurers require cashless payment, whereas others prefer reimbursement. Is it possible to get coverage for treatment outside India under a health insurance plan? —Kavita Lahiri Medical insurance plans issued by Indian insurers cover treatment […]

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How not to be rejected by a health insurance company

Published in Mint on 4 November 2015, Written by Kapil Mehta One would expect that with all the competition in insurance, insurers would queue up to sell to you. Unfortunately, that’s not true. The hardest part of buying health insurance is getting the insurer to issue you a policy. Most insurers are risk-averse and would […]

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Are you a good insurance customer?

Published in Mint on Nov 03 2016, Written by Kapil Mehta Buying insurance is an intense process. You share intimate details on your health and income, subjecting yourself to scrutiny from insurers. When things go wrong in this process, the instinctive reaction is to blame the insurer or the salesperson. But customers are also at […]

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How to replace your bad habit with the new one?

“First we make our habits, then our habits make us.” “Motivation is what gets you started. Habit is what keeps you going.” Steps to follow:   Stop aiming for perfection and aim for improvement instead Starting with a small amount of change, adopting activities that work to improve the good habits we have decided to […]

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