Ujjwal Tiwary

Personal accident insurance explained: accidental death, permanent and temporary disability, Saral Suraksha Bima, how much cover you need, and exclusions.

Travel insurance explained for Indians: medical cover abroad, Schengen visa rules, trip and baggage cover, student and multi-trip plans, and exclusions.

Home insurance explained: the standard Bharat Griha Raksha policy, building and contents cover, how to set the sum insured, what is excluded, and claims.

Motor insurance explained: compulsory third-party cover, own-damage, IDV, no-claim bonus, zero depreciation and other add-ons, and how claims work.

Child insurance plans explained honestly: how they work, the premium waiver, tax, and why term insurance plus goal-based investing usually works better.

Annuity plans explained: immediate vs deferred, annuity options, Saral Pension, NPS annuity rules and tax, and how much of your corpus to annuitise.

Term insurance riders explained: waiver of premium, disability, critical illness and accidental death, the IRDAI limits, and which ones are worth adding.

PMJJBY gives ₹2 lakh life cover for ₹436 a year and PMSBY ₹2 lakh accident cover for ₹20. Eligibility, waiting period, claims, tax and limits explained.

Business insurance in India explained: keyman, buy-sell, group health, employees’ compensation, shop, fire, marine and liability covers, by business type.

Professional indemnity insurance and public liability explained for doctors, CAs, architects, consultants and coaching institutes in India.