Category: Insurance

In the world of insurance, one term that always comes up is “premium.” Whether you’re buying life insurance, health insurance, or motor insurance — the premium is the price you pay for…

Owning a bike in India brings freedom, convenience, and adventure — but it also comes with responsibility. From unpredictable traffic to accident risks, protecting your two-wheeler is not just smart; it’s mandatory…

Insurance is all about managing risk — but before a company takes on that risk, it needs to evaluate how much risk it’s actually accepting. This crucial process is called underwriting. Whether…

When we think about insurance, most people immediately imagine life insurance — a safety net for loved ones after someone’s passing. However, general insurance is equally important in protecting the valuable things…

Several years ago, I met with a small business owner in Delhi who said, “I have insurance for my life—what more do I need?” That’s when it struck me: many people associate…

When I first started advising small business owners and families in Delhi about insurance, one thing stood out: most people focus on which policy to buy—but not on what kinds of risks…

When I first reviewed my own insurance policy, I noticed a section labelled “Rider” and asked myself: “Do I really need that extra cost for something I already have covered?” It turned…

When I first started advising a small manufacturing unit in Delhi on risk-management, one of the surprises for the owner was how many different insurances his business really needed—beyond just fire or…

When I began helping friends set up small businesses in Delhi, one question kept coming up: “If we pay the insurance premium upfront, which account does that go into?” It might feel…

When I first helped a friend set up his small business in Delhi, he paid the entire year’s insurance premium in one go and asked: “Should I record this as an expense…