Insurance Marketplace

Term, health, and vehicle insurance — what to buy, what to avoid, and how to get the best coverage without overpaying.

• Bima Sugam 2026: What IRDAI's Insurance Marketplace Means for Buying, Comparing, and Claiming Policies — Bima Sugam has missed nearly every deadline set for it since it was first proposed in January 2023 — its website went live in September 2025, and IRDAI now says initial motor, health, and term products will roll out by September-end 2026. Here is what the platform is actually meant to do, how it differs from aggregators like PolicyBazaar, and what's live versus still coming.
• Bima Vistaar 2026: IRDAI's All-in-One ₹1,500 Insurance Policy for Rural India — Cover, Cost, and Why It's Still Not Live — Buying life, health, personal accident, and property cover as four separate policies means four applications and four sets of paperwork — friction that keeps many rural and low-income households out of insurance entirely. IRDAI's fix is Bima Vistaar, a single bundled policy covering all four risks for around ₹1,500 a year. It was expected to launch in 2025. As of mid-2026, it still hasn't.
• e-Insurance Account (eIA) India 2026: How to Hold Every Policy in One Digital Account — India has had a free, IRDAI-mandated digital locker for insurance policies since 2016 — one account that holds every life, health, and motor policy you own, across insurers. Most people have still never opened one. Here's how it actually works.