Many prospective health insurance buyers feel disheartened when they see headlines like: “He paid health insurance premiums for 10 years, and in the 11th year when his mother was hospitalized, the claim got rejected” or “He didn’t build a Medical corpus because he bought a health insurance policy but had to liquidate a part of his corpus because the insurer did not come through”. Stories like these create doubt and fear among potential buyers. Add to that, a relative or frien

When evaluating the performance of large cap mutual funds, we typically compare them against the Nifty 100 Index, which serves as their official benchmark. This makes sense on paper — after all, SEBI mandates that large cap funds must invest at least 80% of their portfolio in the top 100 companies by market capitalization, represented by the Nifty 100 universe. However, this comparison isn’t entirely apple-to-apple . Large cap funds are allowed to invest up to 20% of their c

Many modern health insurance plans in India come with tempting add-ons like “Power Booster,” “Super Recharge,” “Sum Insured Doubler,” or “Guaranteed Bonus.” These features, offered by insurers such as ICICI Lombard, Niva Bupa, Care, Star Health, HDFC ERGO, and many other insurers, promise to increase your sum insured automatically every year. In this, the sum insured increases by 50% to 100% every year. Some policies limit the number of years up to which the bonus keeps accru