Knowledge Base & Consumer Insights

Educational Articles & Policyholder Guides

Factual, source-backed regulatory updates, buying checklists, and policyholder rights explained in clear language by appointed insurance agents in Payyannur, Kerala.

Health Insurance in India 2025-26 rules and proposal briefing

The Policyholder Briefing · 2025–26 ✓ Verified Regulatory Analysis 6 min read

Health Insurance in India: What Changed, What’s Proposed, and What It Means for You

A factual consumer briefing detailing the 0% GST exemption on eligible individual policies, binding IRDAI 1-hour pre-authorisation and 3-hour discharge timelines, 36-month waiting period caps, and the truth behind the unapproved 10% co-payment proposal.

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Consumer Buying Checklists & Advisory Guides

5 Additional Guides

Checklist 5 min read

Health Insurance Buying Checklist (2026 Guide)

Essential checklist for evaluating health coverage in India. Learn how to identify room rent proportionate deduction traps, PED waiting periods, and restoration benefits before renewal.

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NRI Corporate and Family Health Insurance Advisory

NRI Guide 5 min read

NRI Corporate & Family Health Insurance Guide

Comprehensive guidance for Non-Resident Indians managing dependent parents' medical care in India, navigating 45(D) tax compliance, and securing cashless hospitalisation.

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Property 4 min read

Home & Property Insurance Buying Checklist

Protecting your residential property against natural calamities, flooding, fire, and structural perils. How reconstruction cost valuation works under Bharat Griha Raksha.

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Motor 4 min read

Motor Insurance Buying Checklist

Navigating Zero Depreciation, Engine Protect, Return to Invoice, and Consumables riders. Ensuring claim settlement without out-of-pocket depreciation deductions.

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Travel 4 min read

International Travel Insurance Buying Checklist

Evaluating Schengen visa compliance, overseas medical emergency deductibles, trip cancellation safeguards, and baggage delay compensations before flying abroad.

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Need an Objective Review of Your Existing Policy?

Have our appointed insurance agents in Payyannur review your existing policy schedule to check for hidden room rent caps, disease-specific sub-limits, and modern treatment deductions.

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