Policyholder protection: understand the governing regulations
A dated reference to the IRDAI policyholder-protection regulations, published in the Gazette of India. Check subsequent amendments before relying on a provision.
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All learning guides →Life insurance: separate protection and savings
Check whether the policy primarily covers death, builds a savings benefit, or combines both.
Read guide →Term insurance: compare the benefit, not a headline price
Compare the death-benefit definition, cover duration, premium-paying duration and whether premiums are level or may change.
Read guide →Health insurance: the conditions behind the cover
Start with the customer information sheet and policy wording.
Read guide →Family floater: understand a shared sum insured
A floater generally shares a defined sum insured among the covered members.
Read guide →Motor insurance: distinguish liability and own damage
Identify whether the offer covers third-party liability, own damage or a package.
Read guide →Travel insurance: match cover to the actual trip
Check destinations, travel dates, maximum trip duration, age limits and whether single-trip or multi-trip terms apply.
Read guide →Personal accident: read the benefit definitions
Compare accidental death, permanent disability and temporary disability definitions separately.
Read guide →Home insurance: building, contents and settlement
Check whether the policy insures the building, household contents or both.
Read guide →Property insurance: define the asset and the risks
Identify the insured premises, occupancy, construction, declared values and perils.
Read guide →Business insurance: map covers to operations
List premises, equipment, stock, liability exposures and interruptions before comparing policies.
Read guide →Premiums depend on age, cover, location, disclosures and underwriting. Obtain a current quotation from the insurer. Policy wording, schedules and endorsements determine the actual cover, exclusions and claims terms.