Independent insurance verdicts
The best insurance — and the worst. Named, compared, sourced.
We publish the verdicts carriers can't and panel-funded aggregators won't. No commissions, no lead forms — just filed policy documents, court records and regulator data, read so you don't have to.
Latest verdict
Best & Worst Professional Indemnity Insurance for Doctors in India (2026)
We read 40+ filed policy wordings, 25 court judgments and every public regulator dataset. Two insurers' published policies exclude bodily injury — the core of malpractice risk. One sells the product with no public documents at all. Here's who holds up, and who doesn't.
India · Doctors' professional indemnity
How we work
Primary documents only
Filed policy wordings, court judgments, regulator statistics. If it can't be verified, it doesn't go on the page.
No side to protect
We take no commissions and sell no leads. That's why we can publish the “worst” half of every comparison.
Every number has a source
Each figure is footnoted to the document it came from, with the date we checked it. Stale data gets refreshed — or removed.
What the documents showed
10/10 → 0/10
We scored 13 insurers on documentation transparency. Exactly one publishes its full paper trail. One publishes nothing at all.
0 datasets
No Indian regulator publishes how often insurers pay professional indemnity claims. We ranked on what can be verified — and said so.
22 of 25
In the court record we catalogued, insurers contested doctors' indemnity claims in 22 of 25 cases. The fine print decides — so we read it.
Latest
All articles →Government Health Schemes for Senior Citizens in India (2026) — What PM-JAY's 70+ Cover Actually Gives Your Parents
Everyone 70 and above is eligible for ₹5 lakh of PM-JAY cover regardless of income — but for most families it is ₹5 lakh for the household, not ₹5 lakh each. The enrolment document is the Ayushman Vay Vandana card, which is not the LIC pension scheme with the near-identical name. Take-up is about 20% of the eligible population.
What You Will Actually Pay (2026) — Co-Pay, Sub-Limits and Room Rent on an Indian Senior Health Policy, in Rupees
Run one real ₹4,12,158 knee-replacement bill through ₹5 lakh of senior cover at a dozen Indian insurers and the family's share ranges from ₹41,216 to ₹3,62,158. The co-payment, sub-limit and room-rent terms that produce that spread, converted into rupees from the filed documents.
Senior Citizen Health Insurance Premiums in India (2026) — Every Published Rate Chart, Matched on Co-Payment and Tax-Current
Comparing headline senior premiums across insurers compares nothing, because the co-payment underneath them differs from 0% to 50%. Matched properly at 20% co-pay, ₹10 lakh, age 61–65, metro — ICICI Lombard ₹34,409, Tata AIG ₹35,000, Niva Bupa ₹36,930 — the cheap-looking plan is the dearest. Every rate we could read from a filed document, plus the carrier still charging 18% GST on cover that has been exempt since 22 September 2025.
Cashless Refused for a Senior Citizen (2026) — Every Escalation Route and the Clock on Each One
A cashless refusal is not a refusal of the claim. The insurer had one hour to decide, three hours to authorise discharge, and fifteen days to settle the reimbursement — and if it misses that, it owes interest at bank rate plus 2% from the day you told it, unasked. Every rung of the escalation ladder with the clock and the fee on each, why the Insurance Ombudsman has to come before the consumer commission, and what our 152 hand-coded awards say about your odds on each ground.
Can Your Insurer Raise a Senior's Premium by More Than 10%? (2026) — No. IRDAI's Cap, Verbatim
No. IRDAI directed insurers on 30 January 2025 that they shall not revise the premium for senior citizens by more than 10% per annum. It is a prohibition, not a consultation requirement; it starts at age 60, not 70; and it binds old policies as well as new ones. Here is the sentence, what it does not cover, and what to do with a renewal notice that ignores it.
Why Senior Citizens' Health Claims Get Rejected in India (2026) — Every Repudiation Ground, From 152 Ombudsman Awards
We read the complete published corpus of Indian insurance-ombudsman mediclaim awards — 5,016 records — and hand-coded the 152 that identifiably concern a senior citizen. Pre-existing disease is the ground insurers plead most and lose most. What defeats a senior's claim is the arithmetic of their own policy: sub-limits upheld in 70% of the awards where they were raised, named exclusions 91%, waiting periods 71%. A disputes sample, never a claim-settlement ratio.