WealthChecker

Health Insurance Kitna Lena Chahiye? Rs 5 Lakh Ka Plan Ab Kaafi Nahi! By WealthChecker Team   |  Insurance  |  9 min read 5 saal pehle tumne ya tumhare parents ne Rs 5 lakh ka health insurance liya tha, aur tab yeh "kaafi" lagta tha. 2026 mein reality yeh hai — yeh Rs 5 lakh Tier-1 city mein ek hafte ke ICU admission ko bhi mushkil se cover karta hai , surgery ya critical illness treatment toh door ki baat. 2026 Ka Shocking Data: Medical inflation India mein 14% se zyada chal rahi hai — normal inflation se kahi zyada. Matlab tumhara purana cover har saal apni real value kho raha hai, chahe number wahi rahe! Kyun Purana Cover Ab Kaam Nahi Karta? Ek dashak pehle, Rs 5 lakh ka family health plan zyadatar urban families ke liye adequate maana jaata tha. Aaj, wahi Rs 5 lakh mushkil se ek ICU stay cover karta hai, surgery ya critical illness ki baat chhodo. Medical costs itni tezi se badh rahi hain ki fixed sum insured ki purchasing power dheere dheere khatam ho jaa...

Term Insurance Kitna Lena Chahiye? 87% Indians Underinsured Hain! By WealthChecker Team   |  Insurance  |  9 min read Ek chhota sa sawaal poochta hoon — agar tumhe kal kuch ho jaaye, toh tumhari family ka ghar ka kharcha, bacchon ki padhai, aur home loan ka kya hoga? Agar iska jawab "pata nahi" ya "shayad manage ho jaayega" hai, toh tum akele nahi ho. 2026 ke data ke mutabik, 52.4% Indians term insurance ke baare mein jaante hain, par sirf 9.6% ke paas actually hai. Aur sabse chonkane wali baat — 87% families jinke paas koi insurance hai bhi, unka cover itna kam hai ki woh real protection provide hi nahi karta. Reality Check: Zyadatar log jab insurance lete hain, seedha "1 crore cover" select kar lete hain bina calculate kiye. Kabhi zyada hota hai, kabhi bahut kam — depend karta hai tumhari actual income, loans aur family size par. Term Insurance Kya Hota Hai — Simple Bhasha Mein Term insurance sabse simple aur pure form hai life insurance ka. Tum monthl...