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insurance cover

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Personal finance experts recommend that a term insurance cover should be at least 15-20 times that of one’s annual income.(Shutterstock)

How much term insurance cover should you buy?

By Promotional Feature, HT Brand Studio
UPDATED ON OCT 01, 2020 07:14 PM IST
Did you know that your age is an important determinant in deciding how much insurance you need? Read on to know more.
While there’s no reason not to reap benefits of any free or inexpensive insurance provided by your employer, thinking of it as a complete solution for your healthcare needs may not be a wise decision.(Shutterstock)
While there’s no reason not to reap benefits of any free or inexpensive insurance provided by your employer, thinking of it as a complete solution for your healthcare needs may not be a wise decision.(Shutterstock)

Company health insurance might not be sufficient

By Promotional Feature, HT Brand Studio
UPDATED ON SEP 21, 2020 03:07 PM IST
Many corporate health plans have the room-rent capping and the co-payment clauses, both of which can cause you to shell out money from your bank account for medical care facilities. Read on to know more.
SPPU students who will take part in the antigen test initiative are mostly from the science stream.(HT PHOTO)
SPPU students who will take part in the antigen test initiative are mostly from the science stream.(HT PHOTO)

300 SPPU students to participate in antigen test initiative

Hindustan Times, Pune | By Dheeraj Bengrut
UPDATED ON JUL 09, 2020 04:45 PM IST
The students will be provided stipend, protective gears and medical insurance cover.
sanitation workers often enter sewers through manholes to clear blockages.(Representative image/HT PHOTO)
sanitation workers often enter sewers through manholes to clear blockages.(Representative image/HT PHOTO)

No sanitation worker will go down manholes to clean sewers, orders Rajasthan CM

Hindustan Times, Jaipur | By HT Correspondent
PUBLISHED ON JUL 06, 2020 11:24 PM IST
Chief Minister Ashok Gehlot said machines should be used for cleaning sewers.
A bench headed by Justice Rohinton Nariman sought response from IRDA and central government.(HT Photo)
A bench headed by Justice Rohinton Nariman sought response from IRDA and central government.(HT Photo)

Supreme Court notices to Centre, IRDA on plea seeking insurance cover for mental illness

HIndustan Times, New Delhi | By Murali Krishnan | Edited by: Amit Chaturvedi
UPDATED ON JUN 16, 2020 11:58 AM IST
A plea, filed by an advocate, stated that insurance companies are refusing to provide such coverage despite a mandate under the Mental Healthcare Act of 2017.
The government has tried to regulate surrogacy for over a decade. Starting with the permissive 2005 guidelines of the Indian Council for Medical Research, the government has proposed increasingly restrictive bills in 2008, 2010, 2013 and 2014 and has, through notifications of the ministry of home affairs, sought to exclude prospective parents on the basis of marital status, sexual orientation and citizenship. These efforts culminated in the Surrogacy (Regulation) Bill, 2016(Getty Images/iStockphoto)
The government has tried to regulate surrogacy for over a decade. Starting with the permissive 2005 guidelines of the Indian Council for Medical Research, the government has proposed increasingly restrictive bills in 2008, 2010, 2013 and 2014 and has, through notifications of the ministry of home affairs, sought to exclude prospective parents on the basis of marital status, sexual orientation and citizenship. These efforts culminated in the Surrogacy (Regulation) Bill, 2016(Getty Images/iStockphoto)

Tracing the journey, and flaws, of the surrogacy bill

By Prabha Kotiswaran and Sneha Banerjee
UPDATED ON FEB 16, 2020 07:05 PM IST
The bill may invite litigation, rendering uncertain the hope for those who want to make families through surrogacy
Nirmala Sitharman on Friday said the government will bring legislations on raising insurance cover on bank deposits from the current Rs 1 lakh and regulating multi-state cooperative banks.(HT Photo)
Nirmala Sitharman on Friday said the government will bring legislations on raising insurance cover on bank deposits from the current Rs 1 lakh and regulating multi-state cooperative banks.(HT Photo)

Govt mulls raising insurance cover on bank deposits to above Rs 1 lakh: Nirmala Sitharaman

New Delhi | By Press Trust of India
UPDATED ON NOV 15, 2019 07:42 PM IST
These legislations assume significance in the wake of scam in the Punjab and Maharashtra Cooperative Bank affecting lakhs of customers who are facing difficulties in withdrawing their entire money due to restrictions imposed by the Reserve Bank of India.
Getting medical treatment at a foreign location can prove to be very costly.(iStockphoto)
Getting medical treatment at a foreign location can prove to be very costly.(iStockphoto)

Pick the right travel insurance policy

Hindustan Times, Gurugram | By Mahavir Chopra
UPDATED ON AUG 26, 2019 11:21 AM IST
A good travel insurance plan can protect you from a financial catastrophe at foreign locations.
File image of Arun Jaitley(PTI)
File image of Arun Jaitley(PTI)

Jaitleyji played with a straight bat, was pure class | Opinion

By Amrit Mathur
UPDATED ON AUG 25, 2019 04:28 PM IST
To the IPL, he was a huge support, deftly navigating it in the initial period, getting permissions and approvals. Delhi is not the easiest place to work in but, to the franchise, Mr Jaitley was a friend, an ally, a protector and an unfailing insurance cover.
Ensure you are adequately covered in terms of health insurance.(Getty Images/iStockphoto)
Ensure you are adequately covered in terms of health insurance.(Getty Images/iStockphoto)

5 things you should know about health insurance

Hindustan Times, Mumbai | By HT Correspondent, Mumbai
UPDATED ON AUG 19, 2019 12:23 PM IST
A health insurance policy is a must considering the double digit inflation in healthcare costs.
In crop insurance, premium subsidy is being paid to the company by both the state and central governments as per scheme guidelines.(HT File Photo)
In crop insurance, premium subsidy is being paid to the company by both the state and central governments as per scheme guidelines.(HT File Photo)

Over 2 lakh farmers wait for insurance as Rajasthan government falters on premium

Hindustan Times, Jaipur | By Aparnesh Goswami
PUBLISHED ON JUL 17, 2019 12:41 PM IST
For each notified crop in the insurance units, it is mandatory for the banks to insure all the borrowers under the PMFBY scheme. Farmers seek crop loan from financial institutions, such as cooperative banks, cooperative societies, regional rural banks, commercial banks and land development banks.
Monsoon may bring a sense of hope, but it comes with its own set of perils.(HT Photo)
Monsoon may bring a sense of hope, but it comes with its own set of perils.(HT Photo)

Rain-check for insurance covers

Hindustan Times, Mumbai | By Revati Krishna
PUBLISHED ON JUL 15, 2019 10:34 AM IST
Monsoon may bring a sense of hope, but it comes with its own set of perils — diseases and damages — that you should be covered for. Let’s have a look at what’s on offer mostly and what you should go for.
The charges are for rental, insurance cover, car switching and maintenance.(Reuters/Representative Image)
The charges are for rental, insurance cover, car switching and maintenance.(Reuters/Representative Image)

Wheels for a steal: To buy or to rent?

Hindustan Times, Mumbai | By Revati Krishna
PUBLISHED ON JUN 25, 2019 10:13 AM IST
With changing lifestyles and growing frequency in change of job locations, more and more people are abstaining from buying cars.
In a circular issued, the insurance regulator said issuance of bundled own-damage policies for cars and two wheelers will no longer be compulsory.(AFP/Representative Image)
In a circular issued, the insurance regulator said issuance of bundled own-damage policies for cars and two wheelers will no longer be compulsory.(AFP/Representative Image)

Now buy stand-alone own damage motor insurance cover from September

Hindustan Times, Mumbai | By Revati Krishna
PUBLISHED ON JUN 25, 2019 10:05 AM IST
The insurance regulator has made it possible for you to buy your own damage cover and third party cover from different insurers.
The government has also announced to widen the scope of insurance cover to farmers dying in accidents.(PTI File Photo/Representive image)
The government has also announced to widen the scope of insurance cover to farmers dying in accidents.(PTI File Photo/Representive image)

Under Maharasthra budget, Rs 12K cr for irrigation and Rs 600 cr for varsities

Hindustan Times, Mumbai | By Surendra P Gangan
UPDATED ON JUN 19, 2019 11:31 AM IST
The budget 2019-20 has an outlay of 600 crore for agriculture universities for research and infrastructure development, besides an increase in budget for irrigation projects to 12,597 crore.
Another way to determine the healthcare cover is to consider the kind of treatment you are likely to seek.(Getty Images/ Representative image)
Another way to determine the healthcare cover is to consider the kind of treatment you are likely to seek.(Getty Images/ Representative image)

Doing the math: Choose the right healthcare cover

Hindustan Times, Mumbai | By HT Correspondent
UPDATED ON JUN 17, 2019 11:21 AM IST
According to experts, there are three things to consider: healthcare inflation, your family medical history and your salary.
The government-run Indian Strategic Petroleum Reserves Limited (ISPRL) has created storage facilities in three caverns in Visakhapatnam, Mangaluru and Padur (near Udupi).(HT Photo)
The government-run Indian Strategic Petroleum Reserves Limited (ISPRL) has created storage facilities in three caverns in Visakhapatnam, Mangaluru and Padur (near Udupi).(HT Photo)

5 million tonnes of India’s oil reserves lie uninsured

Hindustan Times, New Delhi | By Rajeev Jayaswal
UPDATED ON JUN 16, 2019 08:45 AM IST
Global reinsurers are unwilling to provide cover for 5 million tonnes of oil which includes supplies from Iran fearing adverse action against them for breaching American sanctions on Tehran..
Irdai had increased the cost of thirdparty liability insurance cover for vehicles which follow the annual renewal system.(Reuters File Photo / Representative image .)
Irdai had increased the cost of thirdparty liability insurance cover for vehicles which follow the annual renewal system.(Reuters File Photo / Representative image .)

Third-party liability cover for vehicles to cost more

Hindustan Times, Mumbai | By Revati Krishna
UPDATED ON JUN 10, 2019 10:41 AM IST
From June 16, the cost of annual premiums on vehicles will go up, while the cost of longterm or multi-year premiums will remain unchanged.
Karishma’s father alleges that she has been ill for the past 15 days and has lost 2 kgs.(HT Photo)
Karishma’s father alleges that she has been ill for the past 15 days and has lost 2 kgs.(HT Photo)

Ayushman Bharat’s first beneficiary’s kin allege apathy

Hindustan Times, KARNAL | By HT Correspondent
PUBLISHED ON APR 27, 2019 10:29 AM IST
Deepak Kumar, senior medical officer of community health centre, Indri, said they started her treatment soon after she visited the hospital. He said that she was suffering with fever and chest infection but is now recovering.
A circular released by the IRCTC states, “The premium, with effect from October 1, 2018, is 49 paise per passenger.”(ILLUSTRATION SUDHIR SHETTY)
A circular released by the IRCTC states, “The premium, with effect from October 1, 2018, is 49 paise per passenger.”(ILLUSTRATION SUDHIR SHETTY)

Inside Re1 insurance cover

Hindustan Times, Mumbai | By Revati Krishna
UPDATED ON APR 09, 2019 11:23 AM IST
Apart from private companies and the Railways, the government also provides a life insurance scheme – Pradhan Mantri Suraksha Bima Yojana – priced at a premium of 1 per month and 12 a year, which is auto-debited from your linked bank account.
Private insurance scenario is not good as they do not provide insurance cover to autistic patients or have a waiting period.(Illustration: Sudhir Shetty)
Private insurance scenario is not good as they do not provide insurance cover to autistic patients or have a waiting period.(Illustration: Sudhir Shetty)

Not enough insurance cover for autism treatment

Hindustan Times, Mumbai | By Revati Krishna
PUBLISHED ON APR 02, 2019 10:47 AM IST
According to INCLEN Trust International, 475 of 3,964 children (between the ages of 2 and 9 years) had at least one Neurodevelopmental Disorder (NDD).
The bench was dealing with an appeal against the National Consumer Commission which rejected the Insurance company’s contention that malaria due to mosquito bite is a disease and not an accident.(HT File PHOTO)
The bench was dealing with an appeal against the National Consumer Commission which rejected the Insurance company’s contention that malaria due to mosquito bite is a disease and not an accident.(HT File PHOTO)

Death by mosquito not accident, can’t claim insurance: SC

Hindustan Times, New Delhi | By HT Correspondent
UPDATED ON MAR 27, 2019 12:10 AM IST
A disease caused or transmitted by insect bite/virus in the natural course of events would not be covered by the definition of an accident, the Supreme Court has held.
The Union Cabinet decided to continue the scheme beyond the four-year period ended August 14 with an aim to take the formal banking system from “every household to every adult”.(HT Photo)
The Union Cabinet decided to continue the scheme beyond the four-year period ended August 14 with an aim to take the formal banking system from “every household to every adult”.(HT Photo)

20 lakh people join modified JanDhan scheme, total account holders 32.61 crore

Press Trust of India, New Delhi | By Press Trust of India
UPDATED ON SEP 16, 2018 02:21 PM IST
The government earlier this month relaunched PMJDY as an open-ended scheme with higher insurance cover and double the overdraft facility.
New rules issued by the Centre make it a must for vehicles at the time of sale to have third-party insurance for a period of three years for four-wheelers and five years for two-wheelers instead of one year.(AP/Picture for representation)
New rules issued by the Centre make it a must for vehicles at the time of sale to have third-party insurance for a period of three years for four-wheelers and five years for two-wheelers instead of one year.(AP/Picture for representation)

Third-party insurance now must to register new vehicles in Delhi

Hindustan Times, New Delhi | By Vatsala Shrangi
PUBLISHED ON SEP 11, 2018 02:36 AM IST
The Delhi government’s transport department has directed all 13 motor licensing officers (MLOs) to register new vehicles only if they have third-party insurance.
The three-year third-party insurance will cost Rs 5,286 crore for cars with engine capacity of less than 1,000 cc, Rs 9,534 cr (1,000 - 1,500 cc) and Rs 24,305 for cars with engine capacity of 1,500 cc and more.(HT File Photo)
The three-year third-party insurance will cost Rs 5,286 crore for cars with engine capacity of less than 1,000 cc, Rs 9,534 cr (1,000 - 1,500 cc) and Rs 24,305 for cars with engine capacity of 1,500 cc and more.(HT File Photo)

Cars and bikes to get costlier from September 1. Here’s what you’ll have to pay

Hindustan Times, New Delhi | By Bhadra Sinha
UPDATED ON AUG 31, 2018 02:00 PM IST
As per a Supreme Court order, it is mandatory for all general insurance companies to issue a three-year third party insurance cover for new cars and five-year third party (TP) insurance cover for new two-wheelers as a separate product or as part of a comprehensive insurance product.
Union health minister JP Nadda (C) along with his MOS Anupriya Patel (L) and Ashwani Kumar Caubey during a press conference on Pradhan Matri Jan Arogya Yojna at National Media Centre, in New Delhi, on August 27.(Mohd Zakir/HT Photo)
Union health minister JP Nadda (C) along with his MOS Anupriya Patel (L) and Ashwani Kumar Caubey during a press conference on Pradhan Matri Jan Arogya Yojna at National Media Centre, in New Delhi, on August 27.(Mohd Zakir/HT Photo)

Health minister Nadda unveils Ayushman Bharat logo, announces anti-fraud measures

New Delhi, Hindustan Times | By HT Correspondent
UPDATED ON AUG 27, 2018 09:22 PM IST
Ayushman Bharat-Pradhan Mantri Jan Arogya Yojna, known as Modicare, provides cashless health insurance cover of Rs 5 lakh per family per year for hospitalisation to 10.74 crore poor and vulnerable families who have been identified using the socio-economic caste census 2011
A security personnel stands guard as people line up to vote during the last panchayat polls held in Jammu and Kashmir in 2011.(HT File Photo)
A security personnel stands guard as people line up to vote during the last panchayat polls held in Jammu and Kashmir in 2011.(HT File Photo)

Centre mulls insurance for J-K panchayat poll contestants

Srinagar | By Mir Ehsan
UPDATED ON AUG 10, 2018 11:59 PM IST
Around 4,500 sarpanches and 29,000 panchs were elected in the last panchayat polls in 2011 when 75% voters had turned out to vote.
Finance minister Arun Jaitley in this year’s budget announced annual insurance cover of Rs 5 lakh for hospitalisation for poor and vulnerable families, benefiting 10.74 crore families.(HT File Photo)
Finance minister Arun Jaitley in this year’s budget announced annual insurance cover of Rs 5 lakh for hospitalisation for poor and vulnerable families, benefiting 10.74 crore families.(HT File Photo)

Indian Medical Association signs pact with Centre on facilitating Ayushman Bharat scheme

New Delhi | By HT Correspondent
PUBLISHED ON JUL 13, 2018 11:08 PM IST
The Indian Medical Association (IMA) has signed an agreement with the Centre on facilitating implementation of Ayushman Bharat-National Health Protection Mission (AB-NHPM), even though differences over the package rates remain.
According to CEO, UIDAI, Ajay Bhushan, the authority has issued 121 crore Aadhaar numbers to date, and an estimated 10 lakh people enrol for or update their Aadhar details every day.(Photo for representation)
According to CEO, UIDAI, Ajay Bhushan, the authority has issued 121 crore Aadhaar numbers to date, and an estimated 10 lakh people enrol for or update their Aadhar details every day.(Photo for representation)

Aadhaar must to get Rs 5 lakh Ayushman health insurance cover

Hindustan Times, New Delhi | By Rhythma Kaul
UPDATED ON JUL 11, 2018 11:46 PM IST
As part of Ayushman Bharat-National Health Protection Mission, the Centre has announced an insurance cover of Rs 5 lakh per year for hospitalisation to 10.74 crore families. The notification, published by the Union health ministry on July 4, makes Aadhaar mandatory to avail the benefit.
The IMA has termed the package rates for certain treatment under the National Health Protection Mission as “unacceptable”.(Mint File)
The IMA has termed the package rates for certain treatment under the National Health Protection Mission as “unacceptable”.(Mint File)

NITI Aayog to relook at costs under Ayushman Bharat plan

Hindustan Times, New Delhi | By Jatin Gandhi, New Delhi
UPDATED ON JUN 26, 2018 11:43 PM IST
National Health Protection Mission - Ayushman Bharat (NHPM-AB) aims to provide Rs 5 lakh annual insurance cover to more than 10 crore poor families.
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