Health insurance, in plain English.
Short, honest guides to reading policies, comparing insurers, and choosing cover. No jargon, no sales pitch, and every claim traced to its source.
A 7-part guide to the fine print.
One arc, start to finish: what the wording really means, where the traps hide, and how to read a policy the way we do.
Why avikCover Exists
The confusion in Indian health insurance is not an accident; it is the business model. Here is the gap avikCover exists to close, and the equal footing we are driving toward.
1 May 2026 · 5 min read
The Policy Is Written to Be Unread
Most people think a policy is just long. The real problem is that it is built so even a careful reader walks away wrong. Here is how to read the page so it cannot quietly fool you.
5 May 2026 · 7 min read
What Is Your Sum Insured Actually Worth?
A ₹10 lakh policy rarely pays ₹10 lakh. One ₹6,00,000 hospital bill, three identical-looking ₹10 lakh policies, three very different cheques, and not one of them a rejection. Here is where the money leaks.
9 May 2026 · 9 min read
When Are You Actually Covered?
A new health policy is not a switch that turns on the day you pay. It is a set of clocks, and the cruel joke is that the cover you wanted most is usually the one that takes longest to start.
13 May 2026 · 7 min read
Don't Buy the Policy. Buy the Insurer.
A flawless policy from a company that fights claims is worth less than a plain one from a company that pays. And unlike the policy, the company's record is public.
17 May 2026 · 7 min read
Your Renewal Shock Was Visible a Year Ago
When your premium jumps at renewal, it rarely comes from nowhere. The warning was sitting in the insurer's public accounts a year earlier. Here are the three numbers that predict it.
21 May 2026 · 6 min read
Two Identical Policies, Opposite Products
An aggregator can show you two plans that look like the same product when they are opposites. Here is the method to actually compare them, using everything the series taught.
25 May 2026 · 9 min read
Guides by topic.
Why avikCover Exists
Health insurance basics1 May 20265 min readThe Policy Is Written to Be Unread
Reading the fine print5 May 20267 min readWhat Is Your Sum Insured Actually Worth?
Reading the fine print9 May 20269 min readWhen Are You Actually Covered?
Reading the fine print13 May 20267 min readDon't Buy the Policy. Buy the Insurer.
Your insurer17 May 20267 min readYour Renewal Shock Was Visible a Year Ago
Your insurer21 May 20266 min readTwo Identical Policies, Opposite Products
Choosing a policy25 May 20269 min readWhat room-rent capping really means
Reading the fine print20 June 20263 min read