Articles 641–680 of 2673, covering Motor Insurance / Coverage, Travel Insurance / Claim, Insurance / Lapse, Insurance / Grievance and more.
Third-party insurance protects against specified liability to others. It does not repair the insured vehicle. Own-damage cover addresses the vehicle under its…
Travel insurance claims often fail because the traveller returns home without the airline certificate, police report, medical note or receipts that prove the…
A payment attempt is not proof that cover continues. The decisive record is the insurer’s policy status and successful premium receipt.
Bima Bharosa is a regulatory grievance platform, not a substitute for a reasoned complaint to the insurer or a court that awards every disputed loss.
The Ombudsman is a specialised, no-fee forum for eligible insurance complaints. It is not the correct forum for every commercial policy, unlimited claim or…
The best insurance cover can fail operationally if the family cannot identify the insurer, policy number, premium status, nominee or claim contact during an…
Senior-citizen health cover should be evaluated for co-pay, waiting periods, room eligibility, renewability and real hospital cost exposure. This guide helps…
Restoration benefit can look powerful, but usage conditions, same-illness restrictions and policy wording decide real value. This guide helps readers go beyond…
No-claim bonus can increase available cover, but reduction rules, claim impact and policy terms must be read carefully. This guide helps readers go beyond…
Consumables riders can reduce out-of-pocket deductions, but they should be checked against exclusions and sub-limits. This guide helps readers go beyond…
OPD benefits can help frequent users, but limits, network rules, exclusions and premium trade-off matter. This guide helps readers go beyond premium comparison…
Maternity cover usually depends on waiting periods, sub-limits and newborn conditions that buyers must check before planning. This guide helps readers go…
Policyholders should check mental-health coverage, exclusions, hospitalization conditions and documentation requirements in the policy wording. This guide…
AYUSH coverage depends on policy terms, recognised treatment setup and claim documents; do not assume every alternative treatment is covered. This guide helps…
Some treatments may be covered as day-care procedures, but the exact list and conditions depend on the policy. This guide helps readers go beyond premium…
Home treatment claims need strict policy wording, doctor certification, medical necessity and documentation. This guide helps readers go beyond premium…
Employer group cover can disappear with job change, retirement or policy restructuring; personal cover planning remains important. This guide helps readers go…
Group term cover is useful, but families should not rely only on employer cover without understanding continuity and sum assured. This guide helps readers go…
Home insurance should be reviewed for structure, contents, exclusions, valuation and claim documents before disaster happens. This guide helps readers go…
Small businesses should understand property, stock, burglary, liability and business-interruption cover before loss occurs. This guide helps readers go beyond…
Cyber insurance can help with specified cyber losses, but fraud reporting, exclusions and evidence still matter. This guide helps readers go beyond premium…
Professionals should understand negligence, errors, omissions, exclusions, retroactive date and claim-made wording. This guide helps readers go beyond premium…
D&O cover protects against certain management-liability risks, but exclusions, entity cover and claims-made terms matter. This guide helps readers go beyond…
Keyman cover is a business-continuity tool, but ownership, beneficiary, tax and board approval questions should be reviewed. This guide helps readers go beyond…
Guaranteed income can reduce longevity risk, but fixed income may lose purchasing power and usually requires surrendering liquidity.
Surrender value determines what the policyholder gets on early exit; it should be checked before buying, not after regret. This guide helps readers go beyond…
Policy loans and assignments can provide liquidity but affect rights, benefits and claim proceeds. This guide helps readers go beyond premium comparison and…
Claim settlement ratio is useful context, but product suitability, claim experience, grievance record and policy wording also matter. This guide helps readers…
Mis-selling complaints need proposal form, benefit illustration, messages, recordings where lawful, policy wording and payment evidence. This guide helps…
Policy servicing errors can hurt claim processing; corrections should be made through official insurer channels with acknowledgement. This guide helps readers…
Insurance fraud can happen through fake policies, fake premium links, claim-release scams and phishing; use official insurer channels only. This guide helps…
The correct account depends on where the money arose, the currency risk you want and whether the funds must remain freely repatriable.
Tax residence is an annual day-count test with special rules. FEMA residence is also shaped by why a person left or returned and the intention to stay.
The bank is not only moving money; it must be satisfied about source, FEMA eligibility and Indian taxes.
NRE is freely repatriable, but that does not mean every Indian receipt can be placed into it.
FCNR protects the deposit from INR conversion during the term, but the investor still carries bank, reinvestment and home-currency risk.
LRS is a ceiling and permission framework—not a declaration that every overseas payment or investment is lawful.
Foreign-asset reporting is a disclosure system, not merely a tax calculation. An asset can require reporting even when it produced little or no taxable income.
The same share can create salary income first and capital gain later. Using one exchange rate or one cost for both stages usually produces errors.
A US stock is not only an investment decision. It creates a remittance trail, foreign account, Indian tax file and possible US legal exposure.