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Insurance Products

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October 8, 2026

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137 articles

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Insurance Products - August 21, 2026 - 10 min read

India's 95% Dental Gap: Should OPD and Dental Sit Inside the Group Health Policy or Outside It?

A 21 August 2026 analysis put dental at roughly 95% uncovered in India, and NHA digital OPD registrations have crossed 25 crore. Employers are being pitched OPD and dental as GMC add-ons, and most of those constructions are poor value. Here is the arithmetic that separates the insured rider, the reimbursement wallet, and the discount card.

By Sarvada Editorial Team

Insurance Products - August 20, 2026 - 9 min read

94% of Corporate Employees Fear Medical Bills: Designing a GMC for a Workforce That Now Treats It as Financial Security

A survey of corporate employees reported across the Indian press in August 2026 found rising healthcare costs have overtaken job security and EMIs as the biggest financial worry, with 94% reporting fear of medical bills. That finding changes what a group mediclaim plan is for, and it should change how brokers structure the renewal conversation.

By Sarvada Editorial Team

Insurance Products - August 20, 2026 - 8 min read

Hospital Tariffs Are the Tip of the Iceberg: Provider Economics and Why Your FY27 Group Health Renewal Cannot Be Held Flat

In one week of August 2026, NATHEALTH argued hospital tariffs are only the visible layer of a capital-intensive cost base, BCG showed general insurers running a 113% combined ratio, and Kotak reported that health is carrying non-life growth while commercial lines shrink. Corporate buyers who treat group health inflation as an insurer pricing choice are reading the renewal wrong, and this post sets out which levers actually move an FY27 outcome.

By Sarvada Editorial Team

Insurance Products - August 19, 2026 - 9 min read

IVF and Fertility in Indian Group Health: What the Standard Exclusion Says and What Employers Buy Instead

Two 19 August 2026 reports flagged the same gap: IVF costs in India keep rising while insurance cover stays behind a standard exclusion. Here is how the exclusion is drafted in group wordings, how insurers carve it back by endorsement, and how a capped employer-funded fertility wallet compares with an insured rider on cost, tax and administration.

By Sarvada Editorial Team

Insurance Products - August 16, 2026 - 11 min read

Record July Exports, Last Year's Open Cover: Re-Basing Marine Turnover Declarations Mid-Term

India's merchandise exports hit a record USD 44.24 billion in July 2026, up over 19 percent. A cover that incepted earlier this year was priced on last year's turnover, with limits per sending and per location that a jump of this size quietly breaks. A practical guide to re-basing the declaration mid-term instead of waiting for renewal.

By Sarvada Editorial Team

Insurance Products - July 30, 2026 - 9 min read

India's Sovereign P&I Cover Is Live: When BMIP Replaces an International Group Club Entry

The Bharat Maritime Insurance Pool now writes sovereign-backed P&I with a USD 1.5 billion limit, and New India Assurance has issued the first policy to Shipping Corporation of India. Here is when it substitutes for a club entry, and what it does not yet solve.

By Sarvada Editorial Team

Insurance Products - July 30, 2026 - 10 min read

Group Cancer Cover Above a Rs 3 to 5 Lakh GMC Base: What Drop-Down Oncology Cover Buys That a Super Top-Up Does Not

Howden India has built a group cancer cover for employer plans, sitting above GMC bases that typically run Rs 3 to 5 lakh per employee. The structure pays after exhaustion, drops down where the base excludes a treatment, and includes pre-existing disease. Here is how it compares with the three alternatives an employer already has.

By Sarvada Editorial Team

Insurance Products - July 24, 2026 - 10 min read

Product Recall Insurance for Domestic FMCG Brands: Beyond the Export Story

Recall cover is usually sold to exporters worried about foreign regulators, but an India-market food or packaged-goods brand faces its own recall exposure under the FSSAI regime, and product liability cover does not pay for it because recall costs land before anyone is injured.

By Sarvada Editorial Team

Insurance Products - July 23, 2026 - 10 min read

Legal Expenses Insurance for Indian Businesses: Cover for the Cost of Fighting

Legal expenses insurance pays the cost of running a dispute, including disputes where you are the claimant chasing a debt or enforcing a contract, which no liability policy touches. Here is how the cover works, why it is thin in India, and who should look at it.

By Sarvada Editorial Team

Insurance Products - July 21, 2026 - 10 min read

Group Term Life and EDLI: How Employers Should Structure Death Benefits

Every EPF-covered employer already provides a statutory death benefit through EDLI, capped at Rs 7 lakh. The EDLI-exemption route lets that same contribution buy a far larger group term life benefit, if the employer structures the sum insured, the free-cover limit and the nominations properly.

By Sarvada Editorial Team

Insurance Products - July 19, 2026 - 9 min read

Machinery Loss of Profits (MLOP): Insuring the Downtime After a Breakdown

A machinery breakdown policy pays to repair the failed machine, but not for the profit lost while the plant stands idle. Machinery Loss of Profits cover fills that gap, and fire-linked business interruption cannot, because a breakdown is not a fire peril.

By Sarvada Editorial Team

Insurance Products - July 18, 2026 - 9 min read

Industrial All Risks vs Standard Fire Policy: Which Property Cover Fits Your Plant

The Industrial All Risks policy inverts the named-perils logic of a Standard Fire and Special Perils cover, but it is reserved for large risks and carries higher deductibles. Here is how an Indian plant owner should decide between the two.

By Sarvada Editorial Team

Insurance Products - July 16, 2026 - 10 min read

Retail Health Cover: The POSP's Product Map

Indemnity or fixed benefit, individual or floater, sub-limits, waiting periods, co-pay, network and the difference between a top-up and a super top-up. A map of the retail health category for the point of sales advisor, including an honest boundary around what a POSP can and cannot place.

By Sarvada Editorial Team

Insurance Products - July 15, 2026 - 10 min read

Motor Own Damage and Third Party: What the POSP Must Explain at the Point of Sale

Motor is the point of sales channel's volume product and the one most often handed over without a word of explanation. What own damage covers, what third party covers, why only one of them is compulsory, and why the client who does not understand the difference at the point of sale becomes a complaint at claim time.

By Sarvada Editorial Team

Insurance Products - July 14, 2026 - 10 min read

Selling Term Life as a POSP: Product Limits, Underwriting and Declines

Pure term is on the POS-Life list, but the POS version is a deliberately narrower instrument than the fully underwritten term policy a client may be shown elsewhere. What pre-underwritten actually costs the buyer, why premium paying term must equal policy term, and what to do when a proposal falls outside the envelope.

By Sarvada Editorial Team

Insurance Products - July 14, 2026 - 10 min read

Aviation and Marine Hull Brokerage: Placement Economics on Low-Frequency Lines

Hull lines pay a broker for placement, not for renewal administration, because a single total loss reprices the whole account. The agreed-value negotiation, the war writeback, the P&I split and the reinsurance dependence that make hull brokerage economics lumpy.

By Sarvada Editorial Team

Insurance Products - July 12, 2026 - 9 min read

Surety Bond Brokerage: Placement Economics on India's Newest Line

Surety is the one general insurance line where the underwriter is assessing a contractor's balance sheet rather than a physical risk, which makes it slow to place, narrow on capacity, and unusually dependent on what the broker brings to the file.

By Sarvada Editorial Team

Insurance Products - July 11, 2026 - 10 min read

Personal Accident Cover: The Product Most Advisors Under-Sell

Personal accident sits on the original non-life POS list, costs a fraction of what the household already pays for its two-wheeler, and almost nobody offers it. What the cover actually pays for, why it is not a substitute for term or health, and the four things to read in the wording before you quote.

By Sarvada Editorial Team

Insurance Products - July 9, 2026 - 9 min read

Media Liability Insurance in India 2026: Defamation, IP Infringement and Content Cover for OTT Platforms, Publishers and Ad Agencies

Media liability insurance covers the defamation, intellectual-property infringement and content-clearance exposures that OTT platforms, digital publishers, influencers and advertising agencies carry, a risk that sharpened once the IT Rules 2021 recast streaming and digital news as publishers and the Section 79 safe harbour narrowed.

By Sarvada Editorial Team

Insurance Products - July 8, 2026 - 8 min read

Freight Forwarders Liability Insurance in India 2026: FFL Cover for NVOCCs and Logistics Operators After the Bills of Lading Act 2025

Freight forwarders liability insurance answers the errors-and-omissions, misdelivery and documentary exposures a marine cargo policy never touches. Here is how brokers should structure FFL cover for NVOCCs and multimodal operators after the Bills of Lading Act 2025 reset where title and rights of suit sit.

By Sarvada Editorial Team

Insurance Products - July 6, 2026 - 8 min read

Investment Management Insurance for Indian AMCs, AIFs and PMS 2026: Mis-Selling, Valuation and Regulatory Defence Cover Beyond D&O

Asset managers, AIF general partners and portfolio managers carry mis-selling, valuation-dispute and SEBI-investigation exposure that a standalone D&O policy was never built to answer. This post sets out the combined investment-management wrapper that pairs professional indemnity, D&O and regulatory-defence cover for Indian fund houses in 2026.

By Sarvada Editorial Team

Insurance Products - July 5, 2026 - 9 min read

Aquaculture and Shrimp Insurance for Indian Exporters and Processors 2026: Disease Mortality, Pond Stock and Cold-Chain Cover

US tariffs near 58%, a Vannamei disease shock and a projected 15 to 18% export drop have thinned the margins Indian shrimp exporters and processors hold against loss. This post maps disease-mortality pond cover, processing-plant property and business interruption, ammonia and cold-chain exposure, and the contamination and recall liability that follows Indian shrimp into export markets.

By Sarvada Editorial Team

Insurance Products - July 4, 2026 - 9 min read

Warehouse Keeper's Legal Liability Insurance in India 2026: Bailee Cover for 3PL Operators and WDRA-Registered Warehouses

Warehouse Keeper's Legal Liability is the bailee cover that answers a 3PL or WDRA-registered warehouse's legal liability for customers' stored goods, the gap left by fire, burglary and goods-in-transit policies that only protect the operator's own stock.

By Sarvada Editorial Team

Insurance Products - July 3, 2026 - 9 min read

Electric Bus and Charging Infrastructure Operator Insurance in India 2026: Depot Fire, Fleet OPEX and Charge-Point Liability Under PM E-Drive

How brokers should structure cover for e-bus concessionaires and charge-point operators under the PM E-Drive gross-cost-contract model, covering depot fire aggregation, fleet OPEX motor cover, and third-party charge-point liability.

By Sarvada Editorial Team

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