Term + critical illness rider: when the extra ₹200 matters
Why a standalone term plan can leave a gap — and how a CI rider pays on diagnosis, not just death.
Notes from the desk
Buying guides, claim stories and policy jargon busted.
Health claim checklist: 7 documents insurers never tell you
Pre-authorisation to pharmacy bills — keep these seven and cashless rarely gets rejected.
Motor NCB: how not claiming for 3 years saves you ₹9,000
No-claim bonus demystified — protect it, transfer it, and know when to claim anyway.