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Property paperwork: four numbers
Carpet area, the seventy per cent that must sit in a separate account, the cap on advances, and what a late handover owes you. All of it is national law.
24 min
advancedelevated risk
Health claims: the clocks and the refusals
A promise tested only at the hospital desk. The rules set clocks on the insurer, a date after which the file closes, and what a refusal has to carry.
3 lessons · about 24 minutes · written for reading age 13 · last checked 2026-08-14
The date the file closes
After sixty months of continuous cover, an insurer can no longer contest a claim over something you did or did not disclose when you bought the policy.
8 min
Two clocks at the hospital desk
A cashless request must be decided within an hour, and a discharge authorisation within three. Miss the second clock and the insurer pays for the delay.
8 min
What a refusal has to carry
A claim cannot be turned down by one person on a desk. It needs a committee's approval, and the refusal must point at the clause it relies on.
8 min
Health claims — the whole course
5 questions at the end. Every wrong answer explains itself.
Sources
- Master Circular on Health Insurance Business, 29 May 2024 — claim settlement, moratorium, cashless authorisation timelines — Insurance Regulatory and Development Authority of India · checked 2026-08-14