Comparisons
Quick side-by-side explainers for common insurance, salary, claim, and retirement decisions.
Group insurance is employer-linked and may have useful day-one benefits.
Personal insurance is owned by you and can continue across job changes.
Cashless reduces upfront payment at network hospitals, subject to approval.
Reimbursement needs payment first and document submission later.
Base plan starts from the first eligible rupee, subject to policy terms.
Super top-up starts after claims cross the deductible.
Network hospitals can process cashless claims with insurer or TPA.
Non-network hospitals usually require reimbursement claims.
Term insurance focuses on high life cover for dependants.
Savings-linked plans combine cover and maturity value, often with lower cover per rupee of premium.
EPF is employment-linked retirement saving.
PPF and NPS are voluntary long-term options with different risk and withdrawal rules.