Stroke Is No Longer Just an “Old-Age” DiseaseIn India, the average age of stroke patients is dropping. Stressful jobs, sedentary lifestyles, and rising hypertension and diabetes have made strokes increasingly common in people in their 30s and 40s. A single… Continue Reading
Climate unpredictability is no longer a distant threat — it’s reshaping the reality for India’s farmers today. In 2024–25, extreme weather events hit millions of hectares of farmland, causing crop failure, income loss, and financial stress on rural households. The… Continue Reading
Understanding the Role of the Insurance Ombudsman The Insurance Ombudsman is one of the most important grievance redressal mechanisms created by the Insurance Regulatory and Development Authority of India (IRDAI).It was established to help policyholders get speedy and fair resolution… Continue Reading
In recent months, the Insurance Samadhan team, while building our Know Your Policy feature, discovered an alarming trend in a few retail health insurance policies from Acko, ICICI Lombard (Elevate / AdvantEdge), SBI General (Arogya Supreme / Super Health) and… Continue Reading
Advancements in healthcare have given rise to procedures like robotic or computer-assisted knee replacement surgeries, which promise higher precision, shorter recovery time, and improved long-term outcomes. However, while technology has progressed, insurance coverage hasn’t always kept pace – leading to… Continue Reading
Health insurance promises peace of mind during medical emergencies, but when the actual claim process begins, policyholders often get confused between cashless and reimbursement claims. Both are valid, yet they differ in process, documentation, and timelines. Knowing the difference –… Continue Reading
When a cashless request gets declined, you still have a strong route: file a reimbursement claim with the right documents and tight follow-through. Under IRDAI rules, once the insurer/TPA receives the last required document, they must settle within 30 days… Continue Reading
“Reasonable & Customary (R&C) charges” is a clause most health policies use to cap payouts at what’s typical for a treatment in your city and at that grade of hospital. If your hospital bill exceeds that benchmark, the insurer may… Continue Reading
In India, financial consumers are increasingly being targeted by mis-selling of life insurance policies disguised as loan offers. One of the most deceptive tactics we see at Insurance Samadhan is the promise of an interest-free or zero percent loan through… Continue Reading
Life insurance is supposed to be a shield of financial security. It protects families during uncertainties and gives peace of mind that loved ones will not struggle financially. But sadly, in India, a growing number of people are finding themselves… Continue Reading