Introduction: Why the Moratorium Period Creates Confusion The 5-year moratorium period in health insurance is one of the most misunderstood concepts among policyholders. Many believe it offers absolute protection against claim rejection.Others fear that any past medical issue—however small—can invalidate… Continue Reading
Introduction: Why Bank Mis-selling Has Become a National Concern Mis-selling by banks is no longer an isolated issue—it has become a systemic problem affecting thousands of Indian households every year. From fixed deposits sold as insurance, to insurance policies bundled… Continue Reading
In a landmark consumer victory, a Delhi man who lost gold jewellery worth nearly ₹18 lakh in 2010 has finally received over ₹43 lakh as compensation after a 12-year legal battle with his insurance company. The case is a powerful… Continue Reading
Travelling today—whether for leisure, work, or education—comes with uncertainties that go far beyond delayed flights or lost luggage. Medical emergencies abroad, trip cancellations, passport loss, or even geopolitical disruptions can turn a dream trip into a financial nightmare. Travel insurance… Continue Reading
Life insurance is meant to provide financial protection to families in their most vulnerable moments. However, for many Indian households today, life insurance has become a source of financial loss rather than security. The issue is not insurance itself —… Continue Reading
India is one of the fastest-growing insurance markets in the world, yet it remains severely underinsured. While policy ownership numbers look impressive on paper, the reality on the ground tells a very different story.Most Indian households do have life insurance.The… Continue Reading
Author: Insurance Advisory Team, Insurance SamadhanExpertise: Insurance grievance redressal, mis-selling resolution, policyholder rights (India) When taking a home loan, personal loan, or business loan, many borrowers are told that insurance is “mandatory”. In reality, lenders often link a loan insurance… Continue Reading
Despite years of regulatory intervention, mis-selling complaints linked to unfair business practices (UFBP) continue to rise in India’s insurance sector. Even in FY25, grievance data shows that misrepresentation, unsuitable product sales, and misleading return promises remain persistent problems. On paper,… Continue Reading
Many motor insurance claims in India are rejected for one seemingly small reason: an expired driving licence.But a recent High Court ruling has made one thing clear — expiry does not always mean invalidity. The Punjab and Haryana High Court… Continue Reading
Health insurance becomes most important when people grow older—but unfortunately, it is also when claims become more complex. Senior citizens face higher medical needs, frequent hospitalisation, and longer recovery periods. Yet many families discover policy gaps only when a claim… Continue Reading