Next: Insurance
Term insurance: the cheapest big promise
Pure risk cover buys a very large sum for a small premium, and the honesty of your proposal form is what decides whether the claim is ever paid.
22 min
beginner
Health insurance, decoded
Floaters, waiting periods, room-rent caps, co-payment and sub-limits — the fine print that decides whether a hospital bill lands on you or the insurer.
3 lessons · about 24 minutes · written for reading age 13 · last checked 2026-08-11
Individual or floater: whose pot is it
A health policy is a yearly pot of money for hospital bills. Individual and family floater differ on who dips into that pot, and on what a bad year does to it.
8 min
The clauses that shrink a payout
Waiting periods, pre-existing diseases, room-rent caps, co-payment and sub-limits — the five clauses that decide how much of a hospital bill stays yours.
8 min
Cashless, top-ups, and Ayushman Bharat
How a claim actually gets paid, how cover is extended cheaply with a top-up, and what the government scheme does and does not do for your family.
8 min
Check yourself
5 questions at the end. Every wrong answer explains itself.
Tools for this
What changed recently
Dated commentary on this topic — a Budget change, a new rule, a scam pattern.
Sources
- IRDAI — regulations, master circulars and consumer information — Insurance Regulatory and Development Authority of India · checked 2026-08-11
- IRDAI policyholder education portal — Insurance Regulatory and Development Authority of India · checked 2026-08-11
- Ayushman Bharat — Pradhan Mantri Jan Arogya Yojana — National Health Authority · checked 2026-08-11
- Income Tax Department — deductions under section 80D — Income Tax Department, Central Board of Direct Taxes · checked 2026-08-11