irdai
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Choosing an insurance broker in Chennai: five checks that matter more than a top-10 list
Lists of the best insurance brokers in Chennai rarely say how they were ranked. Five checks tell you more in ten minutes: the IRDAI licence, its category, who the broker acts for, who handles your claim, and how the broker is paid.
SmartTech Insurance
Cashless Everywhere: what the one-hour rule means when you are standing at the desk
IRDAI now requires cashless authorisation within one hour and discharge approval within three. Both are enforceable, and the cost of delay sits with the insurer. Here is how to use that.
SmartTech Insurance
Porting your health policy: you keep the waiting periods you have already served
People stay in a policy that no longer fits because they believe switching restarts the clock. It does not. Waiting periods port with you. What actually destroys continuity is a renewal paid late.
SmartTech Insurance
Pre-existing disease waiting periods dropped to three years. And the five-year rule that matters more
IRDAI cut the maximum pre-existing disease waiting period from four years to three, removed the age cap on buying cover, and lifted AYUSH sub-limits. The moratorium clause is the one nobody talks about.