Deepti Bhaskaran, Livemint

Deepti Bhaskaran


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Past articles by Deepti:

A-rated health plans for you

This time, we take a look at the premiums and ratings of individual policies of ₹10 lakh sum insured for two age categories, 30 years and 45 years. → Read More

Mint's guide to making a healthy insurance choice

We have rated health plans for sum insured of ₹5 lakh, ₹10 lakh, ₹20 lakh and ₹50 lakh and for 30 years, 45 years, 60 years and 75 years of age → Read More

What makes health policies top-notch

Run a policy through the MSMR parameters to gauge suitability → Read More

A medical intern back from the frontline of the virus fight

A week is too little, but we have a staff shortage so I will have to go back to work after a week → Read More

Four metrics that LIC needs to focus on before divestment through IPO

LIC does poorly on the first metric of product mix.The expense ratio of the insurer stands at about 9% for FY19 → Read More

Traditional insurance plans need to look at Ulips for cost structure

Policyholders are at the receiving end due to high surrender costs and poor disclosure about returns.Due to the high surrender penalties, early exit from traditional plans means loss of the principal invested → Read More

New rule on market conduct does little to curb insurance mis-selling

Insurers should ideally disclose the actual return on investment in life insurance → Read More

Top health insurance plans for you

Here is a comparison of top health insurance plans for different sum assured and across different age groups.Only the A-rated health insurance plans have been shown here → Read More

Choose from India’s best health policies

Don’t stop at top-rated plans; find one that caters to your needs.The ratings should not only help you choose a plan well but also help you develop an understanding about what to look for in health insurance → Read More

Hawkins Cookers FD: Should you invest?

Hawkins Cookers has released details of its fixed deposit scheme for 2019 and is offering interest rates of up to 10.5%.The company had launched a similar scheme in 2018 at marginally higher interest rates → Read More

Long-term guarantees may not always work

HDFC Life Sanchay Plus bundles life insurance with guaranteed maturity benefits.The product caters to the need of guaranteed income for various milestones in life which is ideal for risk-averse individuals but could also be considered by aggressive investors → Read More

Financial sector reforms NDA-2 needs to roll out in second term

The government will need to keep the momentum of reforms in pension, tax and other sectors going.A single regulator for all retirement and pension products and a single tax structure would be the two key reforms → Read More

'Save Jet Airways': Employees still hope to avert a crash landing

More than 16,000 Jet Airways employees are staring at an uncertain future.According to several employees, lack of communication from the company is making it difficult for them to decide whether to stay on or look for a new job → Read More

Top health insurance plans for you

Here is a comparison of top health insurance plans for different sum assured and across different age groups.Only the A-rated health insurance plans have been shown here → Read More

Worst experience for a consumer is when insurer underwrites risk at the time of claim: Bill Madison

Elimination of frauds and abuses at underwriting and claims through data and analytics can help the insurance industry, says Bill Madison of LexisNexis Risk Solutions.Globally, data analytics plays a huge role in underwriting, says Madison → Read More

How will a standard health insurance plan help customers?

A standardised product will make it easy for customers to understand and compare health insurance.Some experts feel it may also make porting health insurance policies between different insurers possible → Read More

Opinion: Not giving EPFO investors choice on equity unfair

It is unfair to pass on investment risk, while retaining the power to make decisions → Read More

Why reinsurance has attracted IRDA scrutiny

IRDA has issued an advisory to non-life insurance firms to carry out proper due diligence when they enter into reinsurance contracts through brokers → Read More

Agents can’t pocket commissions on direct sales: Irdai

A direct sale or purchase doesn’t automatically ensure a commission-free purchase for the customerIrdai advises insurers not to book new or renew the business directly received from customer in the name of the insurance intermediaries → Read More

More tax benefits for the middle class

Taxable income up to Rs. 5 lakh tax-free, standard deduction raisedThe budget proposes to increase standard deduction to Rs. 50,000 to bring down your tax liability → Read More