Health-Insurance Portability in India: What Happens to Your Waiting Periods and Benefits When You Switch Insurers
1. The Reader’s Problem You have held a family health policy for six years. You are two years away from clearing the waiting period on a pre-existing condition, you have built up a no-claim bonus, and then your insurer raises the premium sharply or mishandles a claim. You want to leave. What stops most people […]
A Right on Paper: Balancing Consumer Protection and Insurer Rights in India’s Free-Look Period
A Right on Paper: Balancing Consumer Protection and Insurer Rights in India’s Free-Look Period Introduction An insurance policy can look attractive when it is sold, yet its exclusions, charges and conditions may become clear only after the buyer receives the policy document. The free-look period gives eligible policyholders an opportunity to reconsider their decision before […]
Pre-Ticked Boxes, Countdown Timers and One-Click Cover: How Digital Design Can Manufacture Insurance Consent
Pre-Ticked Boxes, Countdown Timers and One-Click Cover: How Digital Design Can Manufacture Insurance Consent Author – Tamanna Verma Abstract Digital insurance has made purchasing a policy faster, but it has also changed how consent is obtained. The article examines how such practices, commonly described as dark patterns, can affect consent in digital insurance transactions. […]
An Incorrect Credit Report That Remains Uncorrected: Rectification, Compensation and Escalation Options.
I. The Reader’s Problem You repaid a loan two years ago and hold the lender’s closure letter. Your credit report still shows the account as overdue. You raised a dispute, received an acknowledgement, and nothing happened. Months later a bank declines your home-loan application because of an entry that should not exist. Indian law gives […]
The First 48 Hours After Discovering a Fake Policy: Stop-Payment Options, Complaints, Device Preservation and Evidence Checklist
The First 48 Hours After Discovering a Fake Policy: Stop-Payment Options, Complaints, Device Preservation and Evidence Checklist Author: Prince Saini Keywords: Fake Insurance Policy, Insurance Fraud, Stop Payment, Cyber Fraud, IRDAI, Bima Bharosa, Evidence Preservation, Financial Fraud, Insurance Complaint, Cyber Crime Introduction Discovering that an insurance policy is fake can be stressful and confusing. A […]
Ombudsman, Consumer Commission, Civil Court or Criminal Complaint? Choosing the Correct Route Without Losing Time
Abstract and Introduction A consumer discovers that ₹40,000 has been debited from her bank account through an unauthorised Unified Payments Interface (UPI) transaction. She immediately contacts her bank, but the amount is not restored. Unsure of the appropriate remedy, she considers approaching the Reserve Bank of India (RBI), filing a consumer complaint, initiating a civil […]
Is Alimony Taxable in India? Tax Treatment of Lump-Sum and Periodic Maintenance
Is Alimony Taxable in India? Tax Treatment of Lump-Sum and Periodic Maintenance Arpita Anand | BBA LL.B. (Hons.) Primary Keyword: alimony tax in India | Law stated as of 2 October 2026 Secondary Keywords: tax on alimony in India; alimony taxable or not; lump sum alimony tax; monthly alimony tax; maintenance tax treatment India; Princess […]
The “Pre-Existing Disease” Label in Health Claims: Medical Causation, Disclosure and the Risk of Overbroad Rejection
The “Pre-Existing Disease” Label in Health Claims: Medical Causation, Disclosure and the Risk of Overbroad Rejection Introduction Health insurance is intended to protect policyholders against the financial consequences of illness, hospitalisation and medical treatment. Yet disputes frequently arise when an insurer relies upon a policyholder’s previous medical history while assessing a claim. One of the […]
Delay as a Claims Strategy: When Repeated Silence, Internal Transfers and Expired Deadlines Become Unfair Practice
Abstract Insurance is intended to provide financial protection when an insured event occurs. The difficulty begins when a genuine claim remains pending for an unreasonable period, moves repeatedly between departments, or is followed by unexplained deductions. While every delay is not unlawful, repeated silence and avoidable administrative delay can cause serious hardship to policyholders. This […]
Decision Quality A Model “Speaking Order” for Insurance claims: Facts, Policy clause, Evidence, Calculation, Appeal Route and Accountability
Introduction An insurance claim represents more than a request for payment. It is a contractual demand made by a policyholder after the occurrence of an insured event. When an insurer accepts, partially settles, or rejects a claim, the decision can have significant financial and personal consequences for the policyholder. For this reason, the quality of […]