Your health insurance policy gives you a No Claim Bonus when you fulfil your policy term without needing to make a claim. Your premium payments will decrease step by step through this feature. The bonus system benefits everyone involved in the insurance process. It helps customers to practice better healthcare habits and brings savings on insurance expenses. 

There is no question, in fact, that daughters bring a special kind of sparkle into our lives – along with an endless list of questions, a closet full of dresses, and some very specific birthday party themes. But beyond the laughter and everyday chaos, we need to understand that there is a real responsibility on our shoulders: making sure they grow to be healthy, strong, and ready to take on the world.  

Marriage is built on shared dreams, countless compromises, and a commitment to protect each other through thick and thin. While love, trust, and communication form the emotional foundation of marriage, a little bit of financial planning doesn’t hurt either. This is exactly where spouse term insurance steps in — a simple yet powerful way to safeguard your future together. 

When managing insurance policies, one term that often comes up is the “Grace Period.” It’s a window of opportunity provided after the premium due date, allowing policyholders to renew their insurance without losing accumulated benefits. However, this grace period does not work the same way across all types of insurance. Understanding how it differs between health, life, and car insurance is crucial for avoiding lapses and ensuring continuous protection. 

In a world where flexibility and better service are increasingly expected, health insurance portability allows policyholders to move from one insurer to another without losing the benefits they’ve already earned. Introduced by the Insurance Regulatory and Development Authority of India (IRDAI), this provision empowers individuals to seek better coverage, improved customer service, or lower premiums without the fear of starting from scratch.