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Atul Gaikwad

Atul Gaikwad

Pune
14 yrs experience
LifeHealthGeneral
Atul Gaikwad

Atul Gaikwad

Pune
14 yrs experience
LifeHealthGeneral
📖 Knowledge Hub

Featured Articles

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Nominee vs Legal Heir: What's the Difference?
Life

Nominee vs Legal Heir: What's the Difference?

Understanding the difference can help avoid confusion and make financial planning more effective.

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Why Some Families Receive Insurance Money Faster Than Others
Life

Why Some Families Receive Insurance Money Faster Than Others

The answer often has less to do with the insurance company and more to do with preparation.

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One Form You Filled Years Ago Could Create Problems for Your Family
Life

One Form You Filled Years Ago Could Create Problems for Your Family

If your policy records don't reflect these changes, your family may face unnecessary complications during the claim process.

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Can Creditors Claim Your Life Insurance Money?
Life

Can Creditors Claim Your Life Insurance Money?

A Little-Known Law That Can Protect Your Family's Insurance Money

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What a Cup of Tea Can Teach Us About Life Insurance
Life

What a Cup of Tea Can Teach Us About Life Insurance

Every morning, millions of Indians start their day with a cup of tea. It's a simple habit. So common that we hardly think about it.

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6 Must Have Insurance for Small Business Owners
General

6 Must Have Insurance for Small Business Owners

When people start a business, they usually focus on sales, customers, profits, and growth. Very few think about insurance.

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Why Small Businesses Need Insurance
General

Why Small Businesses Need Insurance

Losing a significant part of it can happen in a matter of minutes because of an accident, fire, theft, or other unexpected event.

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6 Common Reasons Why Health Insurance Claims Get Rejected
Health

6 Common Reasons Why Health Insurance Claims Get Rejected

The reality is that most claim rejections don't happen because people don't have insurance. They happen because certain policy conditions are not met.

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Different Waiting Periods in Health Insurance Explained
Health

Different Waiting Periods in Health Insurance Explained

A waiting period is the time you must wait before certain illnesses, treatments, or medical conditions become eligible for coverage

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Check this before Buying Health Insurance
Health

Check this before Buying Health Insurance

Buying health insurance is one of the most important financial decisions you'll make. Before you buy a policy, go through this simple checklist.

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India's Insurance Market: Growth, Players, and the Road to 2047
General

India's Insurance Market: Growth, Players, and the Road to 2047

India's insurance market is booming—74 insurers, US$82.49B in premiums in FY25, and a bold vision of Insurance for All by 2047.

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📚 Jargon Buster

Insurance Dictionary

Confused by the terms? We translate insurance speak into plain English.

Full Dictionary →

Sum Insured

life

The maximum amount your insurer will pay in the event of a claim — the coverage ceiling of your policy.

Premium

all

The amount you pay periodically (monthly/annually) to keep your insurance policy active and in force.

Cashless Claim

health

A facility where the insurer directly settles hospital bills with a network hospital without you paying upfront.

Co-payment

health

A cost-sharing arrangement where you pay a fixed percentage of medical expenses, and the insurer covers the rest.

Free-Look Period

life

The 30-day window after receiving a policy during which you can review and cancel it without any penalty.

IDV

general

Insured Declared Value — the maximum sum insured for a vehicle, equivalent to its current market value.

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