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Fire and Perils Insurance Coverage Guide

This article explains fire and perils insurance, including its purpose, importance for businesses, eligible buyers and key inclusions and exclusions. It also covers properties not insured under the policy and highlights how the cover helps manage financial risks arising from sudden damaging events.

13 Dec 2025

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Pros and Cons of Group Health Insurance Plans

This article outlines the advantages and limitations of group health insurance, including affordability, simple enrolment, family coverage and support for pre-existing conditions. It also highlights restrictions such as limited customisation, employment-linked validity and the need for supplementary personal health insurance for continuous protection.

11 Dec 2025

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Key Factors Affecting Property Insurance Premiums

This article outlines how insurers calculate property insurance premiums by assessing location risks, building features, replacement cost, policy limits, deductibles and personal history. It also highlights incentives, optional add-ons and how property usage and safety measures contribute to overall premium determination.

11 Dec 2025

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Guide to Professional Indemnity for Doctors

This article explains how professional indemnity insurance protects doctors from legal claims arising from errors, negligence or confidentiality breaches. It outlines inclusions, exclusions, coverage limits, document requirements and key factors to consider while choosing a suitable policy for medical practice needs.

11 Dec 2025

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Key Exclusions in a Standard Fire Insurance Policy

The article explains the exclusions in standard fire insurance, such as war risks, intentional damage, electrical faults, spontaneous combustion, pollution and consequential losses. It also covers optional add-ons and describes how exclusions and extensions affect the protection and premium of a fire insurance policy.

07 Dec 2025

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Key Factors Affecting Marine Insurance Premiums

The article outlines how marine insurance premiums are calculated and explains the impact of vessel characteristics, voyage routes, cargo type, loss history, safety measures, underwriting practices and market trends. It also covers policy clauses and considerations that influence overall premium levels for cargo movements.

07 Dec 2025

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How to Compare Group Health Insurance Plans

The article explains how to compare group health insurance by evaluating sum insured, TPA efficiency, network hospitals, claim ratios, coverage scope and customer experience. It also highlights common mistakes to avoid and provides guidance for selecting a suitable plan that supports employee healthcare requirements.

06 Dec 2025

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Factors That Impact Property Insurance Premiums

This article outlines the key factors that influence property insurance premiums, including property type, construction value, contents, stock levels, sum insured and selected add-ons. It explains the calculation process, cost considerations and practical tips to manage premiums while ensuring suitable protection.

06 Dec 2025

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Add-on Benefits in Group Health Insurance Plans

The article explains how group health insurance add-ons extend coverage through maternity benefits, OPD care, critical illness protection, dental and vision support, external aids and alternate treatments. It highlights why organisations need these add-ons and outlines steps to choose suitable options for employee healthcare needs.

06 Dec 2025