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Liability Insurance

Pratik Devang8 Aug 2026

Professional Indemnity Insurance: When a Client Says Your Advice Cost Them Money

A consultant recommends a solution. An architect prepares a design. A technology company implements software. Months later, the client alleges that an error in the professional service caused a financial loss. A standard property policy will not normally answer the key question in this situation. Businesses providing professional services may need Professional Indemnity insurance, or PI insurance. What Is Professional Indemnity Insurance? PI insurance is a form of liability cover designed fo

Liability Insurance2 min read

Marine Transit Insurance

Pratik Devang8 Aug 2026

Marine Transit Insurance: Who Bears the Loss When Goods Are Damaged on the Way?

A manufacturer dispatches ₹25 lakh of equipment to a customer. During transit, the vehicle overturns and part of the consignment is damaged. The goods were not in the manufacturer's factory and had not yet reached the buyer. This is where marine transit insurance can become important. Despite the name, marine insurance can apply to goods moving through several modes of transit, depending on the policy. What Is Marine Transit Insurance? Marine transit insurance provides cover for specified ph

Marine Transit Insurance2 min read

Trade Credit Insurance

Pratik Devang7 Aug 2026

Trade Credit Insurance: What Happens When a Customer Does Not Pay?

Selling goods on credit can help a business grow, but it also creates a risk: the customer may fail to pay a large invoice. Trade credit insurance is designed to address certain losses arising from buyer non-payment, but it is not a substitute for sound credit control. The insurer may expect the business to follow agreed credit limits, payment terms and collection procedures. What Is Trade Credit Insurance? Trade credit insurance can protect a business against specified losses when commercia

Trade Credit Insurance2 min read

Employee Benefits Insurance

Pratik Devang5 Aug 2026

Group Health Insurance for Employees: Five Things HR Should Check Beyond the Sum Insured

When a company arranges group health insurance, the first number employees usually notice is the sum insured. A ₹5 lakh employee health cover may sound straightforward, but the usefulness of the scheme depends on several other conditions. For HR and finance teams, the objective should be to understand how the programme will work for employees in real situations, not simply to compare annual premiums. What Is Group Health Insurance? Group health insurance provides health cover to eligible memb

Employee Benefits Insurance3 min read

Office Package Insurance

Pratik Devang4 Aug 2026

Office Package Insurance: A Practical Risk Checklist for Small Businesses

An office may not look particularly risky compared with a factory or warehouse. But a small business can still depend on expensive laptops, servers, furniture, electrical systems and uninterrupted access to its premises. An office package policy may combine several covers, making it useful for companies that want to protect physical assets and selected operational risks under one arrangement. What Is Office Package Insurance? An office package policy may combine different insurance sections

Office Package Insurance2 min read

Page 13 of 18 · 86 blogs

Latest Articles

News, industry explainers and claim stories from across insurance.

Retail Health

Pratik Devang27 Aug 2026

The Super Top-Up Deductible, Explained With a Normal Hospital Bill

Super top-up health insurance can provide a large amount of additional coverage for a relatively affordable premium. However, the policy does not begin paying from the first rupee of every hospital bill. It starts paying only after eligible medical expenses cross the deductible stated in the policy. Understanding who will fund that deductible is essential before buying the cover. What Is a Super Top-Up Policy? A super top-up policy provides additional health insurance after eligible medical

Retail Health3 min read

Retail Health

Pratik Devang26 Aug 2026

Why the Room Rent Line Can Change Your Entire Health Claim

When comparing health insurance policies, many people focus mainly on the sum insured. A policy with ₹10 lakh or ₹20 lakh of coverage can look reassuring, but another line in the policy may significantly affect how much of a hospital bill is actually payable: the room rent condition. The room you choose during hospitalisation may influence more than the room charge itself. Depending on the policy wording, a room rent restriction can also affect certain related hospital expenses. Understanding t

Retail Health4 min read

Retail Health

Pratik Devang24 Aug 2026

Health Insurance Waiting Periods: What They Mean Before You Need a Claim

Buying a health insurance policy does not always mean that every medical condition becomes covered from the first day. Some treatments, illnesses or pre-existing conditions may be subject to a waiting period before related claims become eligible under the policy. This is especially important for first-time buyers and people switching or upgrading health insurance. A policy can have a high sum insured, but if a particular condition is still within its waiting period, the related claim may not be

Retail Health5 min read

Retail Health

Pratik Devang22 Aug 2026

Cashless Health Insurance Claims: What Approval Actually Means

A cashless health insurance facility can make hospitalisation easier because eligible expenses may be settled directly between the insurer or its claims administrator and a network hospital. But many policyholders misunderstand what “cashless approved” actually means. Cashless approval does not mean the entire hospital bill is automatically covered. Room rent restrictions, co-pays, deductibles, exclusions, non-medical expenses and other policy conditions may still affect the final amount. Wha

Retail Health4 min read

Retail Health

Pratik Devang22 Aug 2026

Health Insurance Sub-Limits: Why Your ₹10 Lakh Cover May Not Apply Fully to Every Treatment

A health insurance policy may show a sum insured of ₹10 lakh, ₹20 lakh or more, but that does not always mean the full amount is available for every type of treatment or expense. Some policies contain sub-limits, which place a separate cap on particular benefits, procedures or categories of expenses. These limits can affect the amount payable during a claim, especially when the cost of treatment is much higher than the policy's specified cap. Understanding sub-limits before buying or renewing c

Retail Health4 min read

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