Insurance Problem Guides & Question Hub
Authoritative, clear answers to the most crucial real-world questions policyholders face before and after buying insurance.
What happens if insurance premium is not paid on time?
Learn about grace period provisions, policy lapse implications, continuity benefits, and standard policy revival procedures.
Options if an insurance claim is repudiated or disputed
Structured guidance to understand claim repudiation grounds, submit formal representations to the insurer GRO, and explore statutory grievance channels.
How can a nominee make a death claim?
Complete document checklist, death intimation workflow, beneficial nominee entitlements, and mandatory settlement timelines.
What is the difference between Waiting Period and Policy Period?
Understand the difference between initial 30-day waiting, specific disease exclusions, PED waiting periods, and annual policy renewal tenure.
How much life insurance cover is really required for your family?
HLV methodology, 10x-15x gross income guidelines, and debt/inflation-adjusted life cover calculation examples.
Can a nominee be changed after purchasing an insurance policy?
Step-by-step procedure to update nomination, appointing an appointee for minors, and beneficial nominee entitlements.
How does cashless hospital treatment work from admission to discharge?
Pre-authorization timeline (48 hrs planned, 24 hrs emergency), TPA desk interaction, and handling non-medical expenses.
Sum Assured vs Sum Insured: What is the fundamental difference?
Fixed benefit in life insurance vs actual indemnity reimbursement in health/motor policies, plus tax treatment under 10(10D).
Why room rent sub-limits can cause huge out-of-pocket medical bills
How proportionate deduction cuts doctor fees, surgery, and OT charges if you exceed daily room rent capping.
Have a specific insurance question not covered here?
Our qualified Insurance Sales Persons (ISPs) provide transparent, parameter-based guidance to help you resolve policy queries.