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How Pollution Levels Are Shaping City-Based Premiums?

Did you know that 6 out of the 10 most polluted cities in the world are in India? Byrnihat, located on the borders of Assam and Meghalaya, is the world’s most polluted city, while the national capital, New Delhi, ranks second.¹ That's more than an alarming situation for residents. Apart from the negative health effects it has, rising air pollution can also affect health insurance premiums. Surprised? Yes, it's true. If approved, soon health insurance premiums will rise by 10-15% for people living in cities with hazardous air pollution.² The talks are still going on, and approval is awaited from the Insurance Regulatory and Development Authority of India (IRDAI). Once approved, this would be the first time in the history of health insurance that the air pollution level of a city will be a decisive factor for the insurance premium. This guide is all about air pollution in India and its impact on health insurance premiums. Read on to understand how air pollution may shape the future of health insurance.

Term

The Case for Term Insurance in Divorce Settlements

Divorce settlements can be demanding, both financially and emotionally. While you are busy handling your life and dealing with this drastic change, the last thing that might come to your mind is coverage under term insurance. Although we understand your challenges during such times, we urge you not to overlook term insurance in divorce settlements. Term insurance can be an integral part of divorce settlements, especially if children or ageing parents are involved. Ensuring the coverage under life insurance can protect the interests of divorcing parties in the most justified manner. If you are wondering what happens to your term insurance coverage in case of a divorce settlement, then keep reading to learn more.

Health

The Rise of Mental Health Coverage in India – What’s New?

Priya Sahani, a 32-year-old marketing executive in Bengaluru, got her health insurance through her employer. Last Sunday, she had her first anxiety attack, heart racing, mind numbing, without any idea what to do next. The next day, she decided to get a doctor's consultation. But then a sudden realisation hit her: she wondered if her health insurance covered her therapy sessions and consultations. Later, her insurer told her that mental health was a part of her insurance coverage. This came as a pleasant surprise for Priya. This story isn't just about Priya, but may be about many others. Having health insurance today, includes mental health coverage which can be a blessing in recent times. Though for a long time, mental health was treated as an “optional" addition to your health plans, things have now changed for good. Stay tuned and continue reading to unbox whether mental health coverage has really improved in insurance plans, how much coverage is appropriate, and much more.

Term

Why People in Creative Professions Need Special Term Coverage?

28-year-old freelance graphic designer, Akshita Jagdale, is from Mumbai. She enjoys the freedom of working that comes with being a freelancer, and thanks to her skills, she usually gets good gigs. However, for the past few months, Akshita has been facing hurdles in finding graphic design gigs due to the rise of Artificial Intelligence. Until a few years ago, Akshit rarely thought seriously about her future. But then the birth of her baby and her father’s parkinson’s diagnosis often got her worried. Being a single mom and the primary earner in the family, she worried, what would happen to her loved ones if her income stopped, or worse, if something happened to her. How would her mother, who was herself over 50, handle everything on her own! It was then that Akshita found the best way to be prepared for an unpredictable future. She opted for a term plan with decent coverage. The life insurance policy has brought a sense of financial safety and also allowed her to be less anxious.

Health

How Wearable Fitness Devices Are Influencing Health Insurance Premiums

Ameya, a 30-year-old MNC employee in Pune, had recently purchased a smartwatch to track her step count, calories burnt, heart rate and sleep patterns. She had also enrolled on a wellness program with her health insurance company. Surprisingly, six months later, she noticed that her insurance company had reduced her health insurance premium at the time of renewal. It is her healthy habit and consistency in meeting the daily health targets that have earned her this reward. Like Ameya, stories like these are very common. Wearable health trackers and fitness devices are becoming increasingly common and are earning discounts and offers for healthy habits. Let us explore how these health trackers and healthier behaviours are influencing your health insurance premiums and the questions that are raised about data privacy.

Term

Should You Buy Term Insurance for Your Stay-at-Home Spouse?

Arun, a young and busy IT professional, lost his wife, Meera, to an unexpected illness. The entire family thought dealing with the grief would be the hardest challenge. A few weeks later, they realised the invisible worth of Meera, who has been the foundation of the family’s well-being. She had quietly managed everything at home while Arun was busy earning for the family’s future. Right from cooking food to everyone taking care of children, Arun’s elderly parents, to coordinating every aspect of daily life. Their world had turned upside down. It was too late to realise Meera’s real financial value. Arun wished he had taken term insurance for her. Like Meera, many homemakers’ contributions to the family go unnoticed in the Indian household, despite their crucial role. Losing the homemaker has a huge monetary impact on the family, which cannot be overlooked. Hence, it is important to assess the term insurance coverage need for a stay-at-home partner and buy term insurance for them.

Jio Insurance Broking Ltd

Jio Insurance Broking Limited
IRDAI License No: 347,
Direct Broker (Life & General),
Valid upto: 11/03/2028
(Renewable)

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