Protection
Term cover, health cover, the emergency fund and the gaps employer cover leaves.
Protection
Health insurance for parents over 60: the co-pay test
You can still buy health insurance for parents over 60: since 1 April 2024 IRDAI's rules set no upper age for a new policy, though the insurer can ask for medical tests, load the premium or decline…
ProtectionIs company health insurance enough? 4 limits on ₹5 lakh
For most families, company health insurance is not enough on its own: it is a useful first layer, but your employer sets its terms, a family floater is one sum insured shared by everyone on it, and…
ProtectionIs ₹1 crore term insurance enough? 7 to 16 years by salary
For most people earning ₹15 lakh or more with a home loan, or ₹25 lakh or more with young children, ₹1 crore of term insurance is not enough: invested at an assumed 8% a year, it pays a ₹10 lakh…
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