Ujjwal Tiwary

Marine cargo insurance for goods by road, rail, sea and air, fire cover above ₹50 crore, and business interruption cover, explained for Indian businesses.

Shop insurance explained: Bharat Sookshma and Laghu fire policies, what they leave out, package covers, and how underinsurance cuts your claim.

Workmen compensation insurance explained: employer liability under the Code on Social Security 2020, how compensation is calculated, and how cover works.

How group health insurance works for small employers in India: design choices, cost, ESI, tax under the 2025 Act, and what employees still need.

How a buy-sell agreement funded by life insurance protects an Indian partnership or family company when an owner dies, and how it is taxed.

How an employer-employee insurance scheme works in India, why policy ownership decides the tax, and the 2025 Act rules for premiums and payouts.

Keyman insurance in India explained: who qualifies, how much cover a business needs, how it is taxed under the Income-tax Act 2025, and what happens on exit.

How the health insurance claim process works in India: cashless vs reimbursement, IRDAI timelines, documents, common rejection reasons and how to escalate.

This article is part of our complete guide to insurance in India. Once you have a policy, you are not locked in for life: if it stops serving you, Indian rules let you move it to another insurer without starting your waiting periods from zero. Here is how that works, and when it is worth

This article is part of our complete guide to insurance in India. Once you know why health insurance matters and which policy features to look for, the remaining question is the one that decides everything else: how big should the cover be? The Short Answer How much health insurance do I need? Enough to pay