Insights
Notes
What clients ask us most often, written out properly. No scheme names, no jargon, and the sources at the bottom so you can check the rules yourself.
Two years, 202 claims, ₹1.31 crore paid — and what the data taught us about designing cover
Our group health claims register, opened up: 202 claims across four corporate policies in two years, ₹1.31 crore settled, every decline explained — and the finding that on one policy 32% of approved hospital bills still never reached the families, because of how the cover was designed.
What actually decides whether a health insurance claim gets paid
After ninety-odd health claims a year for two years, the pattern is plain. Outcomes turn on disclosure, the five-year moratorium and room-rent limits, not on what people worry about when they buy the policy.
The ₹10 lakh SIF floor: what SEBI actually wrote
A fall in NAV does not force you out of a Specialised Investment Fund. It does stop you redeeming part of your money. The difference between a passive and an active breach, with the paragraph numbers.
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