Qura Insure Blog
Plain-English guides to term life, health and corporate insurance from the Qura Insure team.
A practical comparison of family floater vs individual health insurance for Indian buyers in their 30s covering a spouse, children and parents above 60, with floater premium logic, a clearly labelled hypothetical cost example, conditional tax notes and a step-by-step decision framework.
Working out the right term life insurance cover starts with a simple question: how long could your family manage without your income? This 2026 guide shows how to calculate cover from your income, loans and future goals, what shapes your monthly premium, how term and health insurance differ, and the buying mistakes that can lead to claim disputes.
A practical comparison for salaried home loan borrowers: how decreasing term cover follows a reducing schedule at a lower premium, why level term cover keeps the payout constant for living costs and childcare, what bank-bundled home loan cover typically pays, and a fully reproducible worked example with labelled interest rate and repayment assumptions.
A plain-language explainer on the four health insurance waiting periods under IRDAI's Insurance Products Regulations 2024: the 30-day initial period, the 36-month pre-existing disease cap with its 36-month lookback definition, specific illness waits of 24 to 36 months, maternity timelines where the benefit is included, and how group policies may differ by contract.
