Insurance content can become misleading when a short marketing phrase is treated as if it were the contract. Our verification method works in the opposite direction.

1. Start with the question

We define the reader decision first: buying, renewing, claiming, comparing or complaining. This prevents an article from becoming a catalogue of unrelated features.

2. Check the regulatory source

For Indian insurance rules we start with IRDAI regulations, master circulars and policyholder resources. Grievance articles use Bima Bharosa and the Council for Insurance Ombudsmen.

3. Separate regulation from product wording

A rule can set a framework while insurers still use different product terms. We therefore tell readers to check the issued schedule, Customer Information Sheet, endorsements and full wording for the final contractual position.

4. Avoid invented experience

Research-based guides are labelled as research. We do not write “we tested” or create personal anecdotes to make a page sound more authoritative.

5. Show limitations

Every useful insurance guide should tell the reader what can vary: jurisdiction, product, underwriting, medical facts, claim evidence or the date of the rule.

6. Update material changes

When a regulation or process changes, the affected guide should be reviewed. Readers can report stale information through our corrections contact.

Sources and verification

Insurance rules and product terms change. These official sources are the starting point for checking the current position before you act.