https://zaapin.com/video/clarity https://storage.googleapis.com/zaapin_public/advisor-videos/clarity/v2/clarity-web-poster-1080x1920.webp Three Questions to Ask About Your Insurance Do you know what is covered, what is not covered, and how much you may have to pay from your own pocket? This short video gives you three important questions to ask your insurance advisor. https://storage.googleapis.com/zaapin_public/advisor-videos/clarity/v2/clarity-1080x1920.mp4 12 2026-09-01T00:00:00+05:30 https://zaapin.com/video/insurance-premium https://storage.googleapis.com/zaapin_public/advisor-videos/insurance-premium/v2/insurance-premium-web-poster-1080x1920.webp What Is an Insurance Premium—and Why Can It Change? Your premium tells you the price at that time. Your policy tells you what protection that price buys. This 28-second video explains why a premium can change even when coverage and benefits stay the same, with age in health insurance as one example. Want to understand what changed? Ask your insurance advisor. https://storage.googleapis.com/zaapin_public/advisor-videos/insurance-premium/v2/insurance-premium-1080x1920.mp4 28 2026-09-18T00:00:00+05:30 https://zaapin.com/video/idv-film-01 https://storage.googleapis.com/zaapin_public/advisor-videos/idv-film-01/v2/idv-what-is-idv-web-poster-1080x1920.webp Vehicle Stolen or Total Loss? Know Your IDV Claim Limit Your vehicle has a purchase price, a value today and an insured value. This short video explains IDV—Insured Declared Value—why the insurer usually pays only up to it if the vehicle is stolen or becomes a total loss under own-damage cover, and where to find it in the policy schedule. https://storage.googleapis.com/zaapin_public/advisor-videos/idv-film-01/v2/idv-what-is-idv-1080x1920.mp4 21 2026-09-20T00:00:00+05:30 https://zaapin.com/video/office-health-cover https://storage.googleapis.com/zaapin_public/advisor-videos/office-health-cover/v3/restoration-web-poster-1080x1920.webp Health Insurance Used Up? What Restoration Can Do A simple family example explains how some health insurance policies can restore an amount for a later covered hospital bill in the same policy year. Benefits and rules vary by policy, including personal and office cover. https://storage.googleapis.com/zaapin_public/advisor-videos/office-health-cover/v3/restoration-health-insurance-1080x1920.mp4 31 2026-09-22T00:00:00+05:30 https://zaapin.com/video/life-versus-pa https://storage.googleapis.com/zaapin_public/advisor-videos/life-versus-pa/v1/life-versus-pa-web-poster-1080x1920.webp Does Personal Accident Cover Do the Same Job as Life Insurance? Life insurance and Personal Accident cover can overlap, but they respond to different situations. This short explanation looks at death from illness or an accident, permanent disability after an accident, and why the benefits in your policy matter. Some life policies include disability cover too. https://storage.googleapis.com/zaapin_public/advisor-videos/life-versus-pa/v1/life-versus-pa-1080x1920.mp4 31 2026-09-27T00:00:00+05:30 https://zaapin.com/video/property-vs-business-interruption https://storage.googleapis.com/zaapin_public/advisor-videos/property-vs-business-interruption/v1/property-business-interruption-web-poster-1080x1920.webp Fire Policy vs Business Interruption: Does Your Business Have Both? A simple business example explains why a property or fire policy may help pay for damage to the building, machines or stock, while money lost during repairs may need separate business interruption insurance. Coverage and terms depend on the policy. https://storage.googleapis.com/zaapin_public/advisor-videos/property-vs-business-interruption/v1/property-business-interruption-1080x1920.mp4 28 2026-09-28T00:00:00+05:30 https://zaapin.com/video/employer-group-term-life https://storage.googleapis.com/zaapin_public/advisor-videos/employer-group-term-life/v1/company-life-insurance-web-poster-1080x1920.webp Company Life Insurance: Is It Enough for Your Family? Check whether you have life insurance through your company, how much, who would receive it, and when it ends. Then compare all your life insurance with your family’s expenses, loans and future plans. It may be enough, or there may be a gap; an advisor can help you check whether personal life insurance makes sense. https://storage.googleapis.com/zaapin_public/advisor-videos/employer-group-term-life/v1/company-life-insurance-1080x1920.mp4 40 2026-09-28T00:00:00+05:30 https://zaapin.com/video/cashless-health https://storage.googleapis.com/zaapin_public/advisor-videos/cashless-health/v1/cashless-room-limit-web-poster-1080x1920.webp Cashless Health Insurance: Why You Could Still Pay More Cashless means the insurer pays the hospital directly, but only the amount it approves. At some hospitals, the same doctor charges more for each visit in a private room, and nursing costs more too. Under some policies, if the private room rent is double the shared room rent, the insurer may pay only half of the doctor's fees and nursing charges. Before choosing a room, check what your policy allows and what that room could cost you. https://storage.googleapis.com/zaapin_public/advisor-videos/cashless-health/v1/cashless-room-limit-1080x1920.mp4 42 2026-10-02T00:00:00+05:30 https://zaapin.com/video/zero-depreciation https://storage.googleapis.com/zaapin_public/advisor-videos/zero-depreciation/v1/zero-depreciation-web-poster-1080x1920.webp Nil Dep Car Insurance: What Do You Save in a Repair Claim? Nil dep is short for nil depreciation, also called zero-depreciation cover. A covered accident can still leave you paying depreciation when an old, damaged part is replaced with a new one. This film uses a plastic bumper priced at ₹10,000 to explain a conditional 50% depreciation deduction. If your nil dep add-on applies, you don't have to pay that ₹5,000 depreciation amount. Check which parts your add-on includes and what you may still pay. https://storage.googleapis.com/zaapin_public/advisor-videos/zero-depreciation/v1/zero-depreciation-1080x1920.mp4 40 2026-10-04T00:00:00+05:30 https://zaapin.com/video/health-waiting-period https://storage.googleapis.com/zaapin_public/advisor-videos/health-waiting-period/v1/health-waiting-period-web-poster-1080x1920.webp Health Insurance Waiting Period: Why Was the Cataract Claim Rejected? Some treatments, like cataract surgery, have a waiting period in a health policy. In this example the waiting period is two years, and the surgery happens one and a half years after the policy started, so the claim is rejected. The insurance company checks the date of the surgery, not the date of the claim. Some insurance companies let you reduce this waiting period to one year by paying extra premium, but in most cases only while buying the policy, and it may not apply to an illness you already had. Before you take a decision, ask about the waiting periods and whether they can be reduced. https://storage.googleapis.com/zaapin_public/advisor-videos/health-waiting-period/v1/health-waiting-period-1080x1920.mp4 62 2026-10-04T00:00:00+05:30 https://zaapin.com/video/business-liability https://storage.googleapis.com/zaapin_public/advisor-videos/business-liability/v1/business-liability-web-poster-1080x1920.webp Property Insurance vs Liability Cover: Who Pays When Your Business Harms Someone? Property insurance, like a fire policy, pays a business for damage to its own things. It does not pay someone else for a loss the business causes. In this example, a customer slips on a wet floor in a shop and breaks her wrist, and the shop's property insurance will not pay for her treatment. Public liability insurance can pay her compensation and legal expenses if the shop is legally responsible, up to the policy limit. Product liability, professional indemnity and employees' compensation cover other kinds of harm. Liability cover usually has to be taken separately, and coverage and terms depend on the policy. Ask which of these covers your business needs. https://storage.googleapis.com/zaapin_public/advisor-videos/business-liability/v1/business-liability-1080x1920.mp4 66 2026-10-05T00:00:00+05:30 https://zaapin.com/video/deductible-vs-copayment https://storage.googleapis.com/zaapin_public/advisor-videos/deductible-vs-copayment/v1/deductible-vs-copayment-web-poster-1080x1920.webp Deductible vs Co-payment: What Changes as Your Claim Grows? A voluntary deductible or co-payment can help reduce your premium where the policy offers that choice. Compare a ₹5,000 deductible with a 10% co-payment at ₹20,000 and ₹1 lakh of covered expenses. The deductible stays fixed in this example, while the co-payment amount grows. Ask me which available option suits your lifestyle, needs and budget, and compare the premium saving with what you could comfortably pay during a claim. https://storage.googleapis.com/zaapin_public/advisor-videos/deductible-vs-copayment/v1/deductible-vs-copayment-1080x1920.mp4 60 2026-10-05T00:00:00+05:30 https://zaapin.com/video/term-premium-grace-revival https://storage.googleapis.com/zaapin_public/advisor-videos/term-premium-grace-revival/v1/term-premium-grace-revival-web-poster-1080x1920.webp Missed Your Term Insurance Premium? Grace Period, Lapse and Revival What happens if you miss a term insurance premium? This example follows a yearly premium with a thirty-day grace period: cover continues during grace, but stops if the policy lapses after grace ends. Revival may be possible within the time your policy allows. Paying overdue premiums alone does not restart cover; the insurance company must approve revival. Confirm the approval and the date your cover starts again. Ask me to check your policy status and guide you through revival if needed. https://storage.googleapis.com/zaapin_public/advisor-videos/term-premium-grace-revival/v1/term-premium-grace-revival-1080x1920.mp4 62 2026-10-06T00:00:00+05:30 https://zaapin.com/video/ncb-when-changing-cars https://storage.googleapis.com/zaapin_public/advisor-videos/ncb-when-changing-cars/v1/ncb-when-changing-cars-web-poster-1080x1920.webp Selling Your Car? Keep Your No-Claim Bonus (NCB) Your no-claim bonus belongs to you, not the vehicle. You may be able to carry an eligible NCB to your next car, insured in your name. It discounts the own-damage premium: in this example, 35% NCB reduces Rs 20,000 to Rs 13,000, saving Rs 7,000 on that part. Third-party premium, add-ons and taxes are separate. Ask your current insurance company for an NCB retention certificate when you sell, check its validity, and give it to the insurance company for your next car. Ask me to help you check your NCB and carry it forward. https://storage.googleapis.com/zaapin_public/advisor-videos/ncb-when-changing-cars/v1/ncb-when-changing-cars-1080x1920.mp4 60 2026-10-07T00:00:00+05:30 https://zaapin.com/video/health-insurance-portability https://storage.googleapis.com/zaapin_public/advisor-videos/health-insurance-portability/v1/health-insurance-portability-web-poster-1080x1920.webp Changing Health Insurance? Do Waiting Periods Start Again? With portability, you can change your health insurance company without repeating the waiting time you have already completed under your existing policy. Your eligible no-claim bonus can carry forward too. Any remaining waiting period and the new policy terms still apply, and the move is subject to the new insurance company accepting your application. A month or two before renewal, ask me to help you compare suitable options and guide you through portability. https://storage.googleapis.com/zaapin_public/advisor-videos/health-insurance-portability/v1/health-insurance-portability-1080x1920.mp4 25 2026-10-08T00:00:00+05:30 https://zaapin.com/video/business-property-underinsurance https://storage.googleapis.com/zaapin_public/advisor-videos/business-property-underinsurance/v1/business-property-underinsurance-web-poster-1080x1920.webp Claim Within Your Cover? Why Your Insurance Company May Pay Less If your business property is insured for less than the value required by your policy, an underinsurance clause may reduce even a claim below your sum insured. In this example, machinery with a replacement value of twenty lakh rupees is insured for ten lakh. If the proportional underinsurance clause applies, a covered claim of two lakh may be reduced to one lakh before other deductions. The valuation basis, policy terms and any waiver matter. Ask me to help check whether your business property is insured for the right value. https://storage.googleapis.com/zaapin_public/advisor-videos/business-property-underinsurance/v1/business-property-underinsurance-1080x1920.mp4 32 2026-10-08T00:00:00+05:30 https://zaapin.com/video/claim-rejection-next-steps https://storage.googleapis.com/zaapin_public/advisor-videos/claim-rejection-next-steps/v1/claim-rejection-next-steps-web-poster-1080x1920.webp Insurance Claim Rejected? Your Next Steps in India Get the reason for a rejected insurance claim in writing. If only cashless was refused, reimbursement may still be possible under your policy. If you disagree with the rejection, take supporting documents to the insurance company's grievance officer. IRDAI's Bima Bharosa portal can register and track the complaint. After an unsatisfactory reply, or no reply within a month, eligible cases can go to the Insurance Ombudsman free of cost. Ask your advisor for help taking up the case and following through. Policy terms and the applicable eligibility requirements matter; a complaint does not guarantee a claim payment. https://storage.googleapis.com/zaapin_public/advisor-videos/claim-rejection-next-steps/v1/claim-rejection-next-steps-1080x1920.mp4 39 2026-10-09T00:00:00+05:30 https://zaapin.com/video/top-up-vs-super-top-up https://storage.googleapis.com/zaapin_public/advisor-videos/top-up-vs-super-top-up/v1/top-up-vs-super-top-up-web-poster-1080x1920.webp Top-up vs Super Top-up Health Insurance: The Difference A top-up can add affordable health cover above a set deductible. Your existing policy or your own money pays up to that amount. With a five-lakh deductible, two eligible claims of three lakh and four lakh in one policy year do not individually cross the threshold, so a per-claim top-up pays nothing in this example. A super top-up adds the eligible claims to seven lakh, so it could pay the two-lakh excess, subject to policy terms and available cover. Ask your advisor to compare suitable options and their policy terms. https://storage.googleapis.com/zaapin_public/advisor-videos/top-up-vs-super-top-up/v1/top-up-vs-super-top-up-1080x1920.mp4 38 2026-10-09T00:00:00+05:30 https://zaapin.com/video/car-insurance-two-expiry-dates https://storage.googleapis.com/zaapin_public/advisor-videos/car-insurance-two-expiry-dates/v1/car-insurance-two-expiry-dates-web-poster-1080x1920.webp Three-Year Car Insurance: Why You May Need to Renew After One Year Your new car policy may have three years of third-party cover but only one year of own-damage cover. Third-party cover pays for covered injury or damage you cause to others; it does not pay for damage to your own car. In this example, own-damage cover has lapsed and the car hits a pillar two months later, leaving the owner to pay the fifty-thousand-rupee repair bill. Renew own-damage cover before it expires. Your existing third-party cover keeps its original expiry date. Ask your advisor to check both dates and arrange the right renewal. Cover periods and terms depend on your policy. https://storage.googleapis.com/zaapin_public/advisor-videos/car-insurance-two-expiry-dates/v1/car-insurance-two-expiry-dates-1080x1920.mp4 41 2026-10-10T00:00:00+05:30 https://zaapin.com/video/free-look-period https://storage.googleapis.com/zaapin_public/advisor-videos/free-look-period/v1/free-look-period-web-poster-1080x1920.webp New Insurance Policy? How to Use Your Free-Look Period Eligible new life and individual health policies give you thirty days from receiving the policy document to review it. Whether you chose the policy with an advisor, on your own or on family advice, check the cover, exclusions, waiting periods and the premium you will keep paying. If it does not suit you and you have not made a claim, ask the insurance company to cancel within the free-look period, giving your reasons. A refund is subject to applicable deductions. Need a second opinion? Ask your advisor before the free-look period ends. https://storage.googleapis.com/zaapin_public/advisor-videos/free-look-period/v1/free-look-period-1080x1920.mp4 37 2026-10-11T00:00:00+05:30 https://zaapin.com/video/motor-claim-before-repair https://storage.googleapis.com/zaapin_public/advisor-videos/motor-claim-before-repair/v1/motor-claim-before-repair-web-poster-1080x1920.webp Had a Car Accident? What to Do First After a car accident, get emergency help if anyone is injured. Inform the police promptly if anyone is hurt or someone else's property is damaged. When safe, take photos of the scene and damage, and exchange details with any other driver involved. Inform your insurance company promptly and ask about towing if the car is unsafe to drive. Do not start non-urgent repairs until the company has assessed the damage and approved them; repairs done first could affect your claim. Your advisor can help register the claim, organise documents and coordinate with the insurance company and garage. https://storage.googleapis.com/zaapin_public/advisor-videos/motor-claim-before-repair/v1/motor-claim-before-repair-1080x1920.mp4 40 2026-10-13T00:00:00+05:30 https://zaapin.com/video/employer-health-job-change https://storage.googleapis.com/zaapin_public/advisor-videos/employer-health-job-change/v1/employer-health-job-change-web-poster-1080x1920.webp Leaving Your Job? Can You Take Your Company Health Cover? With migration, you can apply for a personal health policy with the same insurance company. Suppose the personal policy has a three-year waiting period for an existing illness. If two years of continuous company cover count towards it, only one more year remains. The insurance company must approve the move, and the benefits and premium may be different. Before you leave, ask your advisor to check what carries forward and help you apply for migration. https://storage.googleapis.com/zaapin_public/advisor-videos/employer-health-job-change/v1/employer-health-job-change-1080x1920.mp4 31 2026-10-13T00:00:00+05:30 https://zaapin.com/video/two-health-policies-one-claim https://storage.googleapis.com/zaapin_public/advisor-videos/two-health-policies-one-claim/v4/two-health-policies-one-claim-web-poster-1080x1920.webp Company Health Cover Falls Short? Can Your Personal Policy Pay the Rest? Suppose your hospital bill is seven lakh rupees. Your company health policy has five lakh available and pays it. Your personal policy could pay the remaining two lakh, if its terms allow. You can choose which policy to claim under first. If its cover falls short, that insurance company must coordinate with the other one for the eligible balance. The same expense cannot be paid twice. Ask your advisor to check both policies and help coordinate the claim. https://storage.googleapis.com/zaapin_public/advisor-videos/two-health-policies-one-claim/v4/two-health-policies-one-claim-1080x1920.mp4 36 2026-10-14T00:00:00+05:30 https://zaapin.com/video/life-premium-term-vs-cover-term https://storage.googleapis.com/zaapin_public/advisor-videos/life-premium-term-vs-cover-term/v1/life-premium-term-vs-cover-term-web-poster-1080x1920.webp Regular Pay vs Limited Pay: Pay for 10 Years, Covered for 30? Suppose you want thirty years of life cover. Regular pay usually means lower yearly premiums throughout those thirty years. Limited pay means higher yearly premiums for a shorter agreed period, such as ten years. Once all agreed premiums are paid, cover continues for the remaining twenty years under the policy terms. Limited pay may cost less in total and could let you finish paying before retirement. Ask your advisor to compare both options with your budget and future plans. https://storage.googleapis.com/zaapin_public/advisor-videos/life-premium-term-vs-cover-term/v1/life-premium-term-vs-cover-term-1080x1920.mp4 40 2026-10-14T00:00:00+05:30 https://zaapin.com/video/goods-in-transit-marine-cover https://storage.googleapis.com/zaapin_public/advisor-videos/goods-in-transit-marine-cover/v1/goods-in-transit-marine-cover-web-poster-1080x1920.webp Marine Cargo Insurance: Goods Damaged on a Road Journey? Marine cargo insurance can cover damage to goods during a road journey within India, subject to policy terms. Furniture damaged in a truck overturning illustrates the risk. Learn about single-transit cover, open policies for regular dispatches within agreed limits, and reporting each shipment. Ask your advisor to check the goods, route, packing and suitable cover before dispatch. https://storage.googleapis.com/zaapin_public/advisor-videos/goods-in-transit-marine-cover/v1/goods-in-transit-marine-cover-1080x1920.mp4 35 2026-10-15T00:00:00+05:30 https://zaapin.com/video/health-disclosure-before-buying https://storage.googleapis.com/zaapin_public/advisor-videos/health-disclosure-before-buying/v1/health-disclosure-before-buying-web-poster-1080x1920.webp BP or Diabetes Under Control? Declare It When Buying Health Insurance Declare your medical condition and medicines when applying for health insurance, even if you feel fine. These details help the insurance company decide whether to offer cover and on what terms. Leaving details out could lead to a claim dispute. Check the answers before submitting, even if someone else fills in the form. Ask your advisor for help recording your medical details and understanding the terms offered. https://storage.googleapis.com/zaapin_public/advisor-videos/health-disclosure-before-buying/v1/health-disclosure-before-buying-1080x1920.mp4 31 2026-10-16T00:00:00+05:30 https://zaapin.com/video/multiple-term-policies-one-death https://storage.googleapis.com/zaapin_public/advisor-videos/multiple-term-policies-one-death/v1/multiple-term-policies-one-death-web-poster-1080x1920.webp Two Term Insurance Policies: Can Your Family Claim Both? Two term insurance policies can each pay their own full death benefit if both are active and cover the death. In this example, two policies of fifty lakh rupees each could pay one crore altogether. Declare existing policies when buying another, keep both sets of details accessible to your family, and claim separately with each insurance company. Ask your advisor to help check your total cover, organise the details and guide your family through the claims. Subject to each policy’s terms. https://storage.googleapis.com/zaapin_public/advisor-videos/multiple-term-policies-one-death/v1/multiple-term-policies-one-death-1080x1920.mp4 32 2026-10-16T00:00:00+05:30 https://zaapin.com/video/health-medical-bill-reimbursement https://storage.googleapis.com/zaapin_public/advisor-videos/health-medical-bill-reimbursement/v1/health-medical-bill-reimbursement-web-poster-1080x1920.webp Health Insurance Reimbursement: Which Medical Bills Can You Claim? Paid for covered hospital treatment yourself? You can claim reimbursement. Related tests before admission and medicines after discharge may also qualify, even with a cashless hospital stay, within your policy’s time limits. Some policies may also pay for an annual health check; check the benefit limit and booking rules. Keep your bills, receipts, prescriptions and reports. Ask your advisor to check what qualifies and help submit your claim on time. Subject to policy terms and limits. https://storage.googleapis.com/zaapin_public/advisor-videos/health-medical-bill-reimbursement/v1/health-medical-bill-reimbursement-1080x1920.mp4 32 2026-10-17T00:00:00+05:30