9013976999 / 8383813408 sachin@policyraj.in AI Doc Scanner Claims Get a Free Quote
Knowledge Hub

Insurance Knowledge Hub —
Learn Before You Buy

Expert articles by Sachin Kathuria. Understand insurance simply, make better decisions for you and your family.

50+ Articles
Expert Advice
Free to Read
Updated 2024

All Articles

12 Articles
Health

How to Choose the Right Health Insurance Plan

With 30+ health insurers and 200+ plans in India, choosing the right one is overwhelming. Here's a simple 5-step framework to pick the plan that fits your family perfectly.

Life

Term Insurance: Why ₹1 Crore Cover May Not Be Enough

Most Indians underestimate how much life cover they need. With rising inflation and EMI burdens, here's the calculation you must do before buying any term plan.

Motor

Zero Depreciation Car Insurance: Worth the Extra Premium?

Standard motor insurance pays only the depreciated value of parts. Zero dep pays full value. Here's when it makes sense to pay extra — and when it doesn't.

Tax & Claims

Section 80D: Save Up to ₹75,000 in Tax with Health Insurance

Many people don't realize health insurance premiums qualify for tax deductions under Section 80D. Here's how to maximize your deduction this financial year.

Health

What is a Family Floater Plan? Benefits & Pitfalls

A family floater covers the entire family under one shared sum insured. It is economical — but carries a coverage risk most families only discover when it is too late. Here is what every family should understand before deciding.

Tax & Claims

How to File a Health Insurance Claim in 5 Easy Steps

Whether cashless or reimbursement, the claims process can feel daunting. Here's everything you need to know to get your claim approved without delays.

Investments

NPS vs PPF vs ELSS: Which Tax Saving Investment Wins?

Three of India's most popular tax-saving instruments compared on returns, liquidity, risk and tax efficiency. An honest, data-driven guide by Sachin Kathuria.

Health

Why Your Employer's Group Health Insurance is NOT Enough

Group mediclaim from your employer sounds great — but it covers only 3-5 lakhs and stops the moment you change jobs. Here's why you need your own policy.

Motor

Motor Insurance Renewal Tips: Don't Make These Mistakes

Most people renew motor insurance in 5 minutes without reviewing it. Here are 7 mistakes that cost you at claim time — and how to avoid every single one.

Investments

Child Education Plans vs Mutual Funds: What Experts Say

Are child plans from insurance companies good investments? Sachin Kathuria gives an honest, unbiased comparison on returns, flexibility and risk profile.

Tax & Claims

Top 5 Reasons Your Insurance Claim Gets Rejected

Understanding why claims fail is the first step to preventing it. These 5 reasons account for 80% of all rejections — and most are completely avoidable.

Health

Travel Insurance for Europe: Everything You Need to Know

Schengen visa requires minimum €30,000 medical cover. Here's what to look for in a travel insurance plan for Europe and how to pick the right one fast.

No articles found in this category yet.

Free Consultation

Have an Insurance Question?

Speak personally with Mr. Sachin Kathuria — a complimentary 15-minute consultation. Straightforward, unbiased guidance from an IRDAI-licensed advisor with 22+ years of experience, committed entirely to your family's protection.

Call 9013976999

Or WhatsApp: +91 90139 76999

Insurance Trivia

Did You Know?

Insurance is one of the oldest financial ideas in the world, dating back over 4,000 years.

Ask Sachin About This

A new fact every time you visit

Veera AI