<keyword id="20204872" type="General" weightage="20" keywordseo="Niva-Bupa" source="keywords">Niva Bupa</keyword> <keyword id="19894985" type="General" weightage="20" keywordseo="Health-Insurance" source="keywords">Health Insurance</keyword> Company Ltd, formerly <keyword id="20671085" type="General" weightage="20" keywordseo="Max-Bupa" source="keywords">Max Bupa</keyword> Health Insurance Company, has filed preliminary papers with capital markets regulator <keyword id="19901201" type="General" weightage="20" keywordseo="Sebi" source="keywords">Sebi</keyword> to raise Rs 3,000 crore through an initial public offering. The proposed Initial Public Offering (<keyword id="19898327" type="General" weightage="20" keywordseo="IPO" source="keywords">IPO</keyword>) is a combination of fresh issuance of equity shares worth Rs 800 crore and an offer for sale of up to Rs 2,200 crore by a promoter and an investor shareholder, according to the Draft Red Herring Prospectus (DRHP). Under the OFS, investor Fettle Tone LLP will sell shares to the tune of Rs 1,880 crore and promoter Bupa Singapore Holdings Pte Ltd will offload shares valued Rs 320 crore. Niva Bupa is majorly controlled by Bupa, an international healthcare company headquartered in the UK. At present, Bupa Singapore Holdings Pte owns 62.27 per cent stake while Fettle Tone LLP holds 27.86 per cent stake in the insurance firm. The company, in its draft papers filed on Saturday, said it may consider issuing securities worth up to Rs 160 crore as a part of "pre-IPO placement". If such placement is completed, the fresh issue size will be reduced. The company intends to utilise the net proceeds from the fresh issuance to the extent of Rs 625 crore towards boosting its capital base to strengthen solvency levels, besides a portion will be used for general corporate purposes. This will be the second standalone health insurer looking to float an IPO, after Star Health &amp; Allied Insurance Company. Niva Bupa Health Insurance Company is one of the leading standalone retail health insurers (SAHI) in India, with a Gross Direct Written Premium (GDPI) of Rs 5,499.43 crore in fiscal 2024. The insurance firm's Gross Written Premium (GWP) increased by 37.68 per cent to Rs 5,607.57 crore in fiscal 2024 from Rs 4,073.03 crore in fiscal 2023. Further, profit after surged to Rs 81.85 crore in fiscal 2024 from Rs 12.54 crore in fiscal 2023. As of March 31, 2024, the company has 210 physical branches across 22 states and 4 union territories in India. ICICI Securities, Morgan Stanley India Company, Kotak Mahindra Capital Company, Axis Capital, HDFC Bank and Motilal Oswal Investment Advisors are the book-running lead managers to the offer. The equity shares are proposed to be listed on the BSE and NSE. SEE ALSO:<a href="https://www.businessinsider.in/stock-market/news/vraj-iron-and-steel-ipo-allotment-how-to-check-allotment-ipo-gmp-listing-date-and-more/articleshow/111394752.cms" target="_blank"></a> <a href="https://www.businessinsider.in/stock-market/news/vraj-iron-and-steel-ipo-allotment-how-to-check-allotment-ipo-gmp-listing-date-and-more/articleshow/111394752.cms" target="_blank">Vraj Iron and Steel IPO allotment – How to check allotment, IPO GMP, listing date and more</a><a href="https://www.businessinsider.in/business/telecom/news/reliance-jio-and-airtel-price-hike-new-plans-and-how-you-can-save-money/articleshow/111331794.cms" target="_blank"></a> <a href="https://www.businessinsider.in/business/telecom/news/reliance-jio-and-airtel-price-hike-new-plans-and-how-you-can-save-money/articleshow/111331794.cms" target="_blank">Reliance Jio and Airtel price hike – new plans and how you can save money</a><a href="https://www.businessinsider.in/tech/mobile/webstories/upcoming-smartphones-launching-in-india-in-july-2024/slidelist/111304902.cms" target="_blank"></a> <a href="https://www.businessinsider.in/tech/mobile/webstories/upcoming-smartphones-launching-in-india-in-july-2024/slidelist/111304902.cms" target="_blank">Upcoming smartphones launching in India in July 2024</a>

Niva Bupa Health Insurance files papers for ₹3,000-cr IPO

<ul><li><keyword id="6362363" type="General" weightage="20" keywordseo="health-insurance" source="Orion">Health insurance</keyword> companies, middlemen, and agents have to give all policyholders a document called the <keyword id="1328156" type="General" weightage="20" keywordseo="customer-information" source="Orion">customer information</keyword> sheet(CIS). </li><li>Easy to understand CIS will help address common customer queries and understand their <keyword id="2303826" type="General" weightage="20" keywordseo="policy-benefits" source="Orion">policy benefits</keyword> as well as limitations better. </li><li>There should be a note that tells policyholders where to find the CIS, so they can always refer to it when they need to understand their policy better. </li></ul>According to a recent circular by the Insurance Regulatory and Development Authority of India (IRDAI), health insurance companies, middlemen, and agents have to give all policyholders a document called the customer information sheet (CIS), and they need to make sure they confirm that the policyholder got it, whether it's a physical paper or a digital version. If a policyholder wants it, this sheet should be available in their local language. The sheet should use a font size that's at least 12" (in Arial) or bigger to make it easy to read. It's also important that all the information on this sheet is filled in correctly. <cmsannotation type="cmsannotation" annotationid="Policy information in a simple language in one place" comment="Subhead" text="Policy information in a simple language in one place">Policy information in a simple language in one place</cmsannotation> “This is a very good initiative that will bring transparency from the customer perspective. Every information that the customer needs is already there, but the CIS will give it in a simple, tabular form,” says Bhaskar Nerurkar, head, health administration team, Bajaj Allianz General Insurance. For example some policies may have certain sublimits or room rent restrictions, which will be listed transparently in a simple form in one particular place. “We send all these details to the customer but it is in a policy schedule form which is slightly legal,” adds Nerukar. Agrees, Dr. S. Prakash, chairperson, Health Committee, General Insurance Council. “The CIS can be very handy and useful and prevent any delay when a claim is processed.” Given that many policy wordings contain technical jargons and legal language, customers may face challenges in comprehension. “Easy to understand CIS will help address common customer queries and understand their policy benefits as well as limitations better, so that it leaves no room for any confusion during policy holding or claim processing,” says Bhabatosh Mishra, director, claims, underwriting and product, Niva Bupa, a <keyword id="135638" type="General" weightage="20" keywordseo="health-insurance-company" source="Orion">health insurance company</keyword>. <cmsannotation type="cmsannotation" annotationid="Necessary information access made easy" comment="Subhead" text="Necessary information access made easy">Necessary information access made easy</cmsannotation> When sending out the main policy document, there should be a note that tells policyholders where to find the CIS, so they can always refer to it when they need to understand their policy better. This helps make sure that people understand their insurance policies and have all the information they need. If the customers have any query they can get both online and offline assistance from the intermediary and resolve any doubts,” says Prakash. Customers can also contact the customer support team of the health insurance companies for help.

Health insurance information to be made available in a simple and lucid form from January 1

<ul><li><keyword id="635172" type="General" weightage="20" keywordseo="irdai" source="Orion">IRDAI</keyword> has issued a directive to all <keyword id="114713" type="General" weightage="20" keywordseo="insurance-companies" source="Orion">insurance companies</keyword>, earlier this fiscal, instructing them to provide coverage for the expenses related to surrogacy. </li><li>The policy should cover all medical expenses related to pregnancy and delivery, as well as postpartum care for the <keyword id="23767" type="General" weightage="20" keywordseo="surrogate-mother" source="Orion">surrogate mother</keyword>. </li><li>The responsibility of acquiring this surrogacy <keyword id="35492" type="General" weightage="20" keywordseo="insurance-policy" source="Orion">insurance policy</keyword> falls upon the intending parents or individual seeking surrogacy. </li></ul>Surrogacy is a medical process in which a woman agrees to carry and deliver a baby for another couple or individual. The <keyword id="41477" type="General" weightage="20" keywordseo="surrogate" source="Orion">surrogate</keyword> mother is typically implanted with an embryo created by using the intended parents' sperm and egg. Once the baby is born, the surrogate mother's legal rights to the child are terminated, and the intended parents become the child's legal parents. <cmsannotation type="cmsannotation" annotationid="What the law says" comment="Subhead" text="What the law says">What the law says</cmsannotation> In the Surrogacy (Regulation) Rules 2022, there is a provision that highlights the necessity of mandatory insurance coverage. It specifies that the intending woman or couple must acquire a general health insurance policy in favour of the surrogate mother. This insurance policy should have a duration of 36 months and should be obtained from an insurance company or an agent recognized by Insurance Regulatory and Development Authority of India (IRDAI). The coverage amount should be substantial enough to address all expenses related to pregnancy complications, as well as postpartum delivery complications. Recently, IRDAI has issued a directive to all insurance companies, instructing them to provide coverage for the expenses related to surrogacy. “Let us say a couple is covered under a family floater policy. That couple decides to go for surrogacy as they have some medical issue and they are not able to conceive. If they decide to go for surrogacy, they should be able to buy a cover for the surrogate mother,” says Bhaskar Nerurkar, head, health administration team, Bajaj Allianz General Insurance. Hence, every health insurance company should bring in such a cover. <cmsannotation type="cmsannotation" annotationid="Coverage under the surrogacy policy" comment="Subhead" text="Coverage under the surrogacy policy">Coverage under the surrogacy policy</cmsannotation> This surrogacy policy offers a broad range of medical coverage, including antenatal care and checkups, hospitalisation and delivery charges, treatment for pregnancy complications like preeclampsia, gestational diabetes, and premature labour, postpartum care, and treatment for delivery complications, and medical conditions that may arise as a result of the surrogacy procedure. “The couple may have maternity cover under their health insurance policy. The maternity expenses are only covered for the spouse. But in this case the surrogate mother is going to get admitted. So this surrogacy cover will cover maternity expenses and any other expenses related to delivery complications,” says Nerurkar. <cmsannotation type="cmsannotation" annotationid="What to know" comment="Subhead" text="What to know">What to know</cmsannotation> The responsibility of acquiring this surrogacy insurance policy falls upon the intending parents or individual seeking surrogacy. It is crucial to purchase the policy from an insurance company registered with IRDAI and to do so before the embryo transfer procedure takes place. “If I am a surrogate mother, the expectation is that the biological parent should buy the policy for me,”says Bhabatosh Mishra, director, claims, underwriting and product, Niva Bupa, a health insurance company. As mentioned, the coverage should extend for 36 months from the date of embryo transfer and must include expenses related to pregnancy complications and post-partum delivery complications. “The policy must be purchased before the pregnancy starts. Also, since it covers maternity related complications, there is no classical waiting period of two years or so,” says Mishra. Surrogacy is a multifaceted process with both emotional and financial implications. By thoroughly examining the legal and insurance aspects, individuals and couples can navigate the surrogacy journey more effectively, ensuring the well-being of all parties involved.

Explained: What a surrogate mother in India should know about insurance policy

<ul><li>While <keyword id="6362363" type="General" weightage="20" keywordseo="health-insurance" source="Orion">health insurance</keyword> plans vary from insurer to insurer, <keyword id="387227" type="General" weightage="20" keywordseo="maternity" source="Orion">maternity</keyword> benefits are typically not covered under a basic health insurance plan. </li><li>One might have to opt for a maternity add-on cover or take a plan that has maternity benefits embedded in it. </li><li>A maternity plan typically covers any expenses related to the <keyword id="6355447" type="General" weightage="20" keywordseo="delivery" source="Orion">delivery</keyword> of the <keyword id="6358733" type="General" weightage="20" keywordseo="baby" source="Orion">baby</keyword>, including <keyword id="37551" type="General" weightage="20" keywordseo="hospitalisation" source="Orion">hospitalisation</keyword>, room rent etc. </li></ul>The arrival of a newborn is certainly one of the happiest moments of a couple’s life. However, maternity is expensive and needs to be budgeted for. Alternatively, one may opt for a maternity cover. Here, we take a look at what one needs to know about maternity insurance and things to keep in mind before getting one. <cmsannotation type="cmsannotation" annotationid="Does your health insurance cover maternity benefits?" comment="Subhead" text="Does your health insurance cover maternity benefits?">Does your health insurance cover maternity benefits?</cmsannotation> While health insurance plans vary from insurer to insurer, maternity benefits typically are not covered under a basic health insurance plan. One might have to opt for a maternity add-on cover or take a plan that has maternity benefits embedded in it. “If you are someone who is recently married and is planning to expand the family, it makes immense sense to opt for a maternity cover. The hospitalisation expenses in India are on the rise and medical inflation in India is pegged at around 14%,” says Vivek Chaturvedi, CMO and head of direct sales, Digit General Insurance. Acording to Chaturvedi, the average cost of delivering a baby typically ranges between ₹75,000- ₹1 lakh. The cost could be more in private hospitals in metro cities or in case of C-section, or Caesarean birth. For working professionals, maternity cover might be included as a part of their corporate group medical insurance. However, the coverage limit under such plans are generally low, typically in the range of ₹30,000 for normal deliveries and ₹50,000 for C-section deliveries. This limit doesn’t complement the rising medical costs associated with maternity. “Hence it is advisable to opt for sufficient maternity health coverage, to minimise the outflow, especially during the time when there will be anyways additional expenses due to the addition of a newborn baby in the family,” says Parthanil Ghosh, President- Retail Business, HDFC ERGO General Insurance Company. <cmsannotation type="cmsannotation" annotationid="When should one opt for maternity cover?" comment="Subhead" text="When should one opt for maternity cover?">When should one opt for maternity cover?</cmsannotation> One should opt for maternity cover or should take up a health plan with maternity cover, depending upon their life stage. “For a young couple, who are planning to start a family, maternity cover should be definitely a part of their financial planning, as with the rising health care, which includes the rising expenses for childbirth as well, a maternity cover would provide them with the necessary financial cushion,” says Ghosh. Policy exclusions and conditions for maternity health insurance vary from insurer to insurer. So, select a policy by comparing its features, inclusions, and exclusions online. When purchasing health insurance, it's important to consider the waiting period before coverage begins. “Keep in mind that if you are already pregnant, you will not be covered. A good time to purchase maternity coverage is when getting married or renewing your health insurance plan. Waiting periods can vary from insurer to insurer, ranging from 9 months to several years. Many plans now offer reduced waiting periods for maternity coverage, with some as short as 9 months,” says Siddharth Singhal, business head, health insurance, Policybazaar.com. <cmsannotation type="cmsannotation" annotationid="What is covered under maternity health insurance" comment="Subhead" text="What is covered under maternity health insurance">What is covered under maternity health insurance</cmsannotation> The benefits offered under a maternity cover may vary from insurer to insurer. “It typically covers any expenses related to the delivery of the baby, including hospitalisation and room rent charges up to the specified sum insured. Caesarean section deliveries, commonly known as C-section deliveries are also covered under the maternity cover,” says Chaturvedi. Any expenses arising due to pregnancy complications are also covered. The policy also covers any number of medically necessary and lawful terminations. Hospital expenses of the baby up to 90 days are also covered and includes any post-natal care and required vaccinations during the specified period as well. The cost of vaccinations alone in the first three months may range between ₹5,000- ₹10,000. Some insurers may also cover infertility treatment under this add-on. <cmsannotation type="cmsannotation" annotationid="Exclusion and limitations of maternity coverage" comment="Subhead" text="Exclusion and limitations of maternity coverage">Exclusion and limitations of maternity coverage</cmsannotation> If you have a pre-existing condition that could complicate your pregnancy, make sure your policy covers it or offers additional coverage. Similarly, if you are expecting twins or triplets, there may be specific conditions or limitations regarding coverage for multiple births. “Most health insurance plans do not cover the cost of infertility treatment, but some newer plans may offer coverage for IVF treatments. The level of coverage can vary among insurers, so be sure to carefully review the inclusions and exclusions,” says Singhal. <table style="border-width: initial; border-style: none;"><colgroup></colgroup><col /><col /><col /><col /><tbody><tr><td colspan="4" style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#6fa8dc;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Premium and benefits is for 2 Adults of Age 32 years with sum inured of ₹10 lakh and located in Delhi* </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#cfe2f3;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Insurer </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#cfe2f3;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Plan Name </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#cfe2f3;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Premium </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#cfe2f3;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Maternity Benefit sub limits </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Star Health and Allied Insurance </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Star Comprehensive </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹18,361 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Normal Delivery - ₹30,000 C-Section - ₹50,000 Waiting period of 24 months </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Star Health and Allied Insurance </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Star Women Care </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹ 18,012 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹50,000 Waiting period of 24 months </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Reliance General Insurance </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Health infinity (More Cover) </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹66,869 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Option to select a maternity waiting period of 1 year and 2 year along with the maternity sum insured value of ₹1 lakh and ₹2 lakh </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Manipal Cigna Health Insurance </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Prohealth Prime Advantage </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹24,458 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹1 lakh sum insured available for Delivery Waiting Period of 36 months </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Niva Bupa Health Insurance </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Health Premia </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹30,073 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹60,000 Waiting Period of 24 months </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">TATA AIG General Insurance </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Medicare Premier </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹21,861 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹60,000 if it is a girl child ₹50,000 if it is a boy child Waiting period of 48 Months </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Aditya Birla Health Insurance </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Activ Fit preferred </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹16,766 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Normal Delivery - ₹40,000 C-Section - ₹60,000 Waiting period of 36 months </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Care Health Insurance </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Joy Tomorrow </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹29132 (for 5 lakh Sum Insured) </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹50,000 Waiting period of 9 months </td></tr><tr><td colspan="4" style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffff00;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Source: Policybazaar.com, *includes health insurance policies with maternity add-on, further details available in policy documents </td></tr></tbody></table> <cmsannotation type="cmsannotation" annotationid="Things to keep in mind" comment="Subhead" text="Things to keep in mind">Things to keep in mind</cmsannotation> As we have seen, the inclusions under maternity cover vary from plan to plan, so it is important to assess your needs. It is always better to go for a comprehensive cover, which will come with extended benefits like termination costs, infertility treatment costs, etc., which are generally not a part of a simple maternity health cover. “Since maternity plans come with a wide range of waiting periods, one must assess the same and ensure that it matches with the aspirations to start a family. For example, for a couple, who are planning to start a family soon, a maternity plan with a long waiting period will not work,” says Ghosh. It is also important to keep in mind the coverage limit and opt for a cover with a higher limit and look at the claims settlement ratio. A well chosen maternity insurance policy can make the joy of childbirth financial stress free. And as parents, you would have got off to a flying start.

Planning a kid? Timing the maternity cover will stand you in good stead

<ul><li><keyword id="914396" type="General" weightage="20" keywordseo="student-travel-insurance" source="Orion">Student travel insurance</keyword> provides benefits specifically tailored to students, including coverage for study interruptions. </li><li>Unlike regular, leisure, or business <keyword id="3599674" type="General" weightage="20" keywordseo="travel-policies" source="Orion">travel policies</keyword> that are issued for up to 180 days, <keyword id="18319885" type="General" weightage="20" keywordseo="student-travel-policies" source="Orion">student travel policies</keyword> come with a term of one or two years and are renewable. </li><li>It’s recommended that you must buy an adequate amount of coverage, according to the duration of your stay. </li></ul>Healthcare expenses, especially in foreign countries like the US can be very expensive, and hence health insurance is crucial. Numerous universities in nations such as the United States, United Kingdom, and Canada mandate that students acquire health insurance from local providers, often in collaboration with the university. However, these insurance plans usually offer coverage exclusively for students while they are on the university campus or within the host country's borders. This is where comprehensive <keyword id="531544" type="General" weightage="20" keywordseo="travel-insurance" source="Orion">travel insurance</keyword> plans step in. “When it comes to choosing between international student health insurance and travel insurance, a student travel insurance policy purchased in India is highly recommended. This policy combines health insurance and travel insurance, providing better coverage and benefits,” says Manas Kapoor, business head, travel insurance, Policybazaar.com. This policy provides comprehensive coverage for various expenses during your stay abroad, including high medical costs for emergencies. It also covers delayed or lost baggage, trip cancellations, family visits, and other incidental expenses that could burden your finances. “For instance, for a 1-year course in the US with a tuition fee of ₹10 lakh to ₹15 lakh, the travel insurance cost would range around ₹10,000 to ₹15,000, representing only 1-2% of the total cost of studies. This insurance ensures peace of mind and financial security while studying abroad,” says Kapoor. <cmsannotation type="cmsannotation" annotationid="Student vs normal travel insurance" comment="subhead" text="Student vs normal travel insurance">Student vs normal travel insurance</cmsannotation> Travel insurance for students is specifically tailored to meet the needs of students. <cmsannotation type="cmsannotation" annotationid="Refund of tuition fees" comment="subhead" text="Refund of tuition fees">Refund of tuition fees</cmsannotation>: Student travel insurance provides benefits specifically tailored to students, including coverage for study interruptions. This can include a refund of tuition fees if a student is unable to complete his course,” says Kapoor. <cmsannotation type="cmsannotation" annotationid="Sponsor protection" comment="subhead" text="Sponsor protection">Sponsor protection</cmsannotation>: In case the sponsor named in the schedule meets with an accident that leads to death or disability during the policy period, the insurance company shall reimburse the remaining school fee subject to the maximum limit mentioned. Also if the insured is hospitalised due to injury or a sickness covered in the policy, and the physician advises the necessary attendance of a family member, the insurance company will reimburse the economy fare, subject to certain conditions,” says Aditya Sharma, chief distribution officer, retail sales, Bajaj Allianz, General Insurance. <cmsannotation type="cmsannotation" annotationid="Extended coverage" comment="subhead" text="Extended coverage">Extended coverage</cmsannotation>: Also, unlike regular, leisure, or business travel policies that are issued for up to 180 days, student travel policies come with a term of one or two years and are renewable. “We normally provide a yearly policy, but they can renew it when they come back and even if they don’t come back they can extend the policy through a simple mail,” says Sharma. <cmsannotation type="cmsannotation" annotationid="Coverage in another country" comment="subhead" text="Coverage in another country">Coverage in another country</cmsannotation>: A student travel insurance provides other benefits too. “When studying in a country and travelling to some other country, student health insurance will also provide coverage in another country. Also, a student will have a wider network of hospitals to choose from,” says Sharma. This is often a better option than going for a bundled deal with the university-offered insurance as the coverage is far more extensive. Even if the university makes it mandatory, travel insurance can come in handy. <cmsannotation type="cmsannotation" annotationid="Be aware of the exclusions" comment="subhead" text="Be aware of the exclusions">Be aware of the exclusions</cmsannotation> Like any insurance policy, student travel insurance also comes with a set of clauses. To prevent any unexpected occurrences during a trip, it is important to thoroughly review all terms and conditions. “There are two most important things to keep in mind when considering travel insurance coverage,” says Kapoor. Firstly, planned hospitalisations abroad are not covered, and secondly, losses due to personal change of plans are also not covered unless there is a valid reason, according to the policy terms and conditions. Additionally, it is important to note that adventure sports, as well as the influence of alcohol or drugs, may not be covered by the policy. “It’s always recommended that you must buy an adequate amount of coverage, according to the duration of your stay,” says Kapoor. For instance, if you are going for a 1 or 2 year course, then the ideal coverage or sum insured (SI) should be 2.5 or 3 lakh dollars but if you are going for an exchange program then you can opt for lesser coverage. <table style="border-width: initial; border-style: none;" class="redcator-table-advance"><colgroup></colgroup><col /><col /><col /><col /><col /><col /><tbody><tr><td colspan="5" style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Student Travel Insurance </td><td style="border-left:solid #000000 0.75pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;"> </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Brand/Plan Name </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Premium </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Sum Insured/Coverage Options </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">General Benefits </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Student Specific Benefits </td><td style="border-left:solid #000000 0.75pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;"> </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;"> Care - Student Explore </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;"> ₹24,146 SI of $300,000 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;"> $ 50,000; $ 100,000; $ 300,000; $ 500,000 and $ 1,000,000 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;"> Medical Expenses: up to SI Dental Expenses: up to $750 Loss of Checked-In Baggage: up to $2000 Pre-Existing Disease Cover : up to 10% of SI Loss of International Driving License : up to $150 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;"> Study Interruption Sponsor Protection Bail Bond Coverage at Home Country </td><td style="border-left:solid #000000 0.75pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;"> </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;"> Tata AIG - Student Travel Guard </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;"> ₹37,098 SI of $250,000 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;"> $ 50,000; $ 100,000; $ 250,000 and $ 500,000 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;"> Medical Expenses: up to SI Trip Delay: $100 Missed Connection: up to $1000 Accidental Death and Dismemberment : up to $50,000 Fraudulent Charges: up to 1200 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;"> Cancer screening and mammography examinations Treatment for mental and nervous disorders: including alcoholism and drug dependency Compassionate Visit ( 2-Way) Visit Maternity Benefit (Waiting Period - 10 Months) </td><td style="border-left:solid #000000 0.75pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;"> </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;"> Bajaj Allianz - Travel Prime Student Silver </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;"> ₹22,844 SI of $300,000 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;"> $ 50,000; $ 100,000; $ 200,000; $ 300,000; $ 500,000; $ 750,000 and $ 1,000,000 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;"> Medical Expenses: up to SI Accidental Death &amp; Disability common carrier: up to $3500 Personal Accident: $25,000 Repatriation:up to $6500 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;"> Loss of Laptop; Tuition Fee; Accident to Sponsor; Suicide </td><td style="border-left:solid #000000 0.75pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;"> </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;"> Niva Bupa - Student Travel Assure </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;"> ₹22,834 SI of $250,000 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;"> $ 50,000; $ 100,000; $ 200,000; $ 250,000 and $ 500,000; </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;"> Medical Expenses: up to SI Out-patient Treatment: $25,000 Maternity: $1000 Personal Liability: up to $100,000 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;"> New Born Baby Cover; Emergency Ambulance; Loss of International Driving Licence; Loss of Laptop, Mobile, Tablet, Phone Camera </td><td style="border-left:solid #000000 0.75pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;"> </td></tr><tr><td colspan="5" rowspan="2" style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">* Premium is calculated for student travel insurance of age 25 travelling to USA for a one year (365 days) and are inclusive of GST ** Source: PolicyBazaar.com </td><td style="border-left:solid #000000 0.75pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;"> </td></tr><tr><td style="border-left:solid #000000 0.75pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;"> </td></tr></tbody><tbody></tbody></table>

Explained: Travel insurance for students and why it is a must when going to study abroad

<ul><li><keyword id="3593951" type="General" weightage="20" keywordseo="healthassure" source="Orion">HealthAssure</keyword> raised ₹50 crore from <keyword id="5873101" type="General" weightage="20" keywordseo="rajiv-dadlani-group" source="Orion">Rajiv Dadlani group</keyword>, Blume Ventures, Leo Capital and more. </li><li>It aggregates <keyword id="6354525" type="General" weightage="20" keywordseo="healthcare" source="Orion">healthcare</keyword> services and also offers OPD insurance products. </li><li>It claims to have built a health maintenance organisation (HMO) ecosystem of primary care over the last 10 years across 1,200 cities. </li><li>The company claims that the total addressable market for this business is $3 billion. </li></ul>HealthAssure, which aggregates primary health care services and OPD insurance products, on Thursday raised ₹50 crore in a pre-series B funding round. The funding round was led by the <keyword id="1717786" type="General" weightage="20" keywordseo="rajiv-dadlani" source="Orion">Rajiv Dadlani</keyword> group and also saw participation from Blume Ventures, Leo Capital, a US-based impact fund, reputed family offices and high-networth individuals. The company plans to deploy these funds to enhance its products, strengthen distribution, sharpen its OPD insurance network and invest in technology. OPD, or outpatient, insurance refers to the insurance cover for healthcare treatments that do not involve hospitalisations. HealthAssure says it has built a health maintenance organisation (HMO) ecosystem of primary care over the last 10 years across 1,200 cities. It also claims to be the first to launch innovative insurance-underwritten OPD products. It ‘productises’ or creates innovative products for health seekers and distributes them through diversified channels. The company claims that the total addressable market of this business is $3 billion. The company has so far raised ₹220 million in funding and more recently also acquired fitness startup FitMeIn. “Raising our largest round yet in such difficult market conditions, displays the confidence which our existing and new investors have in our unique business model and the potential of the large healthcare market ripe for disruption,” said Varun Gera, founder and CEO of HealthAssure. The company, which launched operations in 2011, has serviced more than 3 million customers. It has several lines of businesses serving insurers like LIC, SBI Life, Niva Bupa, Care Insurance and ICICI Prudential for their primary care needs. It also provides employee health benefits to companies like GE, Deloitte, Deutsche Bank and Pearsons. SEE ALSO : <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/news/uno-minda-subsidiaries-to-expand-at-300-cr-outlay/articleshow/93777358.cms">Uno Minda subsidiaries to expand at ₹300 cr outlay</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/science/health/news/seasonal-influenza-cases-rising-in-india-heres-what-we-know-so-far-about-the-flu/articleshow/93776910.cms">Seasonal influenza cases rising in India — here’s what we know so far about the flu</a>

You Searched For "Niva Bupa" and got 6 results

Niva Bupa Health Insurance files papers for ₹3,000-cr IPO

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Health insurance information to be made available in a simple and lucid form from January 1

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Planning a kid? Timing the maternity cover will stand you in good stead

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Explained: Travel insurance for students and why it is a must when going to study abroad

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Outpatient insurance aggregator HealthAssure raises ₹50 crore

Katya Naidu