I bought a policy in December 2023 for ₹10 lakh. My wife was diagnosed with stage 4 cancer in March and underwent treatment in June. The insurer denied cashless hospitalization. What is my recourse? Would it be advisable for me to port the policy? – Name withheld on request Standard individual health insurance policies carry … Read more
How can I buy an insurance for my phone? What would be covered under phone insurance? —Name withheld on request. You can buy portable equipment insurance for your mobile phones, laptops or personal portable devices. Such insurance is generally an all-risk policy. It would cover any accidental damage to the device including breakage, short-circuit and … Read more
What is a reasonable and customary clause in health insurance? Can an insurer use this clause to reduce the claim? My policy doesn’t impose room rent limits, so I chose a suite at the hospital. However, the insurer deducted a significant portion of the claim, citing a package deal with the hospital for a single … Read more