India is one of the fastest-growing insurance markets in the world, yet it remains severely underinsured. While policy ownership numbers look impressive on paper, the reality on the ground tells a very different story.Most Indian households do have life insurance.The… Continue Reading
Author: Insurance Advisory Team, Insurance SamadhanExpertise: Insurance grievance redressal, mis-selling resolution, policyholder rights (India) When taking a home loan, personal loan, or business loan, many borrowers are told that insurance is “mandatory”. In reality, lenders often link a loan insurance… Continue Reading
Despite years of regulatory intervention, mis-selling complaints linked to unfair business practices (UFBP) continue to rise in India’s insurance sector. Even in FY25, grievance data shows that misrepresentation, unsuitable product sales, and misleading return promises remain persistent problems. On paper,… Continue Reading
Many motor insurance claims in India are rejected for one seemingly small reason: an expired driving licence.But a recent High Court ruling has made one thing clear — expiry does not always mean invalidity. The Punjab and Haryana High Court… Continue Reading
Health insurance becomes most important when people grow older—but unfortunately, it is also when claims become more complex. Senior citizens face higher medical needs, frequent hospitalisation, and longer recovery periods. Yet many families discover policy gaps only when a claim… Continue Reading
Many credit and debit cards in India come with complimentary accident insurance cover—often marketed as a “free benefit.” However, when an accident actually occurs, families are frequently shocked to discover that claims are rejected, delayed, or partially paid due to… Continue Reading
India’s insurance sector has entered a new phase with the passage of the Sabka Bima Sabki Raksha (Amendment of Insurance Laws) Bill, 2025. While the reforms promise stronger oversight, better regulation, and higher accountability for insurers, one critical question remains… Continue Reading
Knee problems are no longer limited to old age. Arthritis, sports injuries, obesity, sedentary lifestyle, and post-COVID complications have led to a sharp rise in knee surgeries across age groups in India. Today, patients are often confused between conventional knee… Continue Reading
Medical advancements have significantly improved survival rates for serious diseases such as cancer, heart ailments, and neurological disorders. However, while treatment outcomes have improved, the financial burden associated with critical illnesses has increased sharply. This is where Critical Illness Insurance… Continue Reading
Insurance is meant to be a safety net—but for many policyholders in India, the real struggle begins after filing a claim. Over the last few years, insurance complaints have increased sharply, especially in health and life insurance. Policyholders are facing… Continue Reading