Guide to Indian Personal Finance, Budgeting, Investing, Insurance, Tax Planning, Estate Planning and Retirement

Insurance

Articles on life insurance, health insurance, and why you should never mix insurance with investment.

Term Insurance vs ULIP: Buy Term, Invest the Difference

Posted on January 12, 2026 in Insurance

Insurance should never be mixed with investment. Term plans give you real cover for a fraction of the cost. ULIPs and endowment plans eat your returns with hidden charges. Buy term, invest the rest in mutual funds.

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Health Insurance: The Super Top-up Strategy

Posted on January 5, 2026 in Insurance

With medical inflation at 14%, a Rs 5 lakh base policy is not enough for any serious hospital stay. Combining a base policy with a Super Top-up provides Rs 1 crore coverage at a fraction of the cost of a standalone policy.

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