Blog
Pay As You Drive: Who should choose this Car Insurance?
Pay as You Drive (PAYD) insurance links your car insurance premium to how much you drive. Ideal for low-mileage drivers, it offers a smarter way to manage insurance costs while staying protected on the road. Here you can understand about PAYD more precisely.
Vinoth J
Fire, Flood or Storm: Will Your Property Insurance Cover the Damage?
Does property insurance cover flood, fire and storm damage? Explore common types of property damage, understand policy exclusions and learn what to check before choosing coverage.
Vinoth J
International travel insurance from Chennai: what to check before you fly
Travel insurance is cheap next to what one hospital night abroad costs, and most mistakes happen before departure: the wrong sum insured for the country, a student policy the university will not accept, or a policy bought after leaving India.
SmartTech Insurance
Searching for a general insurance agency near you? Agent, broker or app - what each actually does
A general insurance agency, a broker and a comparison app can all sell you the same motor or health policy. They differ in who they work for and what happens when you claim - which is also when being nearby matters.
SmartTech Insurance
Marine cargo insurance and Incoterms: who actually owns the risk at sea
Most uninsured cargo losses are not caused by a refused claim. They are caused by a seller and a buyer who each assumed the other side's Incoterm obligation covered it. Here is where risk really transfers.
SmartTech Insurance
Group mediclaim for a 20-person company: the first renewal is the real price
Year one of a group health policy is priced on a guess. Year two is priced on your own claims. That is where a badly structured policy becomes expensive, and where most SMEs first find out what they bought.
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.
SmartTech Insurance
Health insurance premiums lost 18% GST. What that actually saved you
Individual health insurance premiums became GST-exempt on 22 September 2025, removing 18% from every retail policy. The saving is real but not evenly distributed, and it changes the maths on raising your cover.