Product understanding across life, term, health and critical illness. Written to help you know what you’re buying — and what you’re not.
A Rs 50 lakh health cover for under Rs 20,000 a year sounds too good to be true. It is not — if you understand how deductibles work. The full mechanics of base plans, top-ups, super top-ups, and the stacked structure that gives you Rs 1 crore of cover cheaply.
Most business owners carry a term plan that was sized for a salaried person. That math breaks the moment a business is involved. The HLV method, the needs-based method, and the three business-specific layers that get missed.
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