KI
7+
Years
68
Articles
1
Practice area
About Kavya
Kavya is an IRDAI-licensed insurance professional with 7 years across health, term life, and motor insurance underwriting and claims. She has handled 500+ claim disputes and specialises in policy wording analysis (sub-limits, co-pay clauses, PED, room rent caps) that determine whether a claim gets paid. She reviews every insurance article and plan comparison on Oquilia.
Credentials & Certifications
- • IRDAI Licensed Insurance Broker (IC-38)
- • Certified in Health Insurance Underwriting
Areas of focus
insurance
The column
All articles by Kavya Iyer
68 published articles across 1 practice area, A–Z.
Insurance (68)
- 30-Day Free-Look Window: How IRDAI's 2024 Operations Circular Lets You Cancel Any Policy Without Penalty
- After 60 Months, Your Health Insurer Cannot Contest Claims: The IRDAI Moratorium Period
- Bima Sugam explained: IRDAI's 2024 one-stop insurance marketplace and the 'Insurance for All by 2047' push
- Bima Sugam: Inside IRDAI's 2024 Regulations for India's One-Stop Insurance Marketplace
- Bima Sugam: Inside the IRDAI Insurance Electronic Marketplace Regulations 2024
- Bima Sugam: The IRDAI electronic marketplace and the three-layer Sugam/Vistaar/Vaahaks design
- Bima Vahak: how IRDAI built a women-led, Gram Panchayat insurance distribution channel under the 2023 guidelines
- Bima Vahak: How IRDAI Is Taking Insurance to Every Gram Panchayat
- Claim settlement turnaround norms under IRDAI 2024: 30-day decision, 15-day query, and the penal interest at bank rate plus 2%
- Commission Caps Are Gone: How IRDAI's 2024 Expenses-of-Management Rules Quietly Reshaped What Insurers Can Pay Agents
- Critical Illness Rider vs Standalone Policy: When the Rs 50 Difference in Premium Actually Matters
- Free-Look Period Extended to 30 Days: IRDAI 2024 Directive, Refund Computation, and the Proposal-vs-Policy Distinction
- From Onboarding to Claims: What IRDAI's Master Circular on Operations and Allied Matters Means for Customers
- Health Insurance Moratorium 60 Months: IRDAI's 2024 No-Contestability Clock, the Fraud Carve-Out, and Why Continuity Has Become Your Most Valuable Asset
- Health Insurance Portability: IRDAI 2024 Regulations on Switching Insurers Without Losing Waiting Period
- Health Insurance Pre-Existing Disease: The IRDAI 3-Year Cap and the Hidden Continuous-Cover Rule
- How Insurers Are Licensed: IRDAI's 2024 Master Circular on Registration, Capital and Share Transfers
- How IRDAI's 2024 Life Products Master Circular reshaped special surrender value and paid-up benefits
- Inside IRDAI's 2025 Insurance Fraud Monitoring Framework Guidelines: what insurers must now detect
- Insurance Act Section 45: The 3-year bar on repudiation and what insurers must prove
- Insurance at the Village Doorstep: How IRDAI's Bima Vahak Guidelines 2023 Aim to Reach Every Gram Panchayat
- IRDAI (Insurance Brokers) Regulations 2018: How Your Broker Must Disclose Commissions and Act in Your Interest
- IRDAI (Insurance Products) Regulations 2024: The Single Rulebook Behind Modern Life, Health and Motor Policies
- IRDAI 2024 health master circular: the 1-hour cashless approval and 3-hour discharge turnaround times explained
- IRDAI 30-Day Free-Look Period: Master Circular 2024 Explained
- IRDAI Annual Report Claim Ratios: Why Settlement Ratio Misleads And Paid Ratio Matters More
- IRDAI Bima Sugam Marketplace: How India's Unified Insurance Portal Will Reshape Distribution
- IRDAI Bima Sugam Platform: The Unified Insurance Marketplace and What It Means for Buyers
- IRDAI Bima Sugam: the unified insurance marketplace, the Bima Vahak distribution layer, and timeline status
- IRDAI Cashless Everywhere Directive: 1-Hour Authorisation, 3-Hour Discharge, and the 100% Network Promise Explained
- IRDAI Claim Settlement Ratio FY 2024-25: How to Read the Annual Report Numbers Correctly
- IRDAI corporate agent: 9-insurer tie-up limit and disclosure rules
- IRDAI CSR vs ICR: Reading claim settlement ratio for life vs health insurance
- IRDAI free-look extended to 30 days: What it means for new policyholders
- IRDAI Health Insurance Master Circular 2024: New Cashless Approval Timelines And Patient Rights
- IRDAI Health Portability Rules: Carry No Claim Bonus When Switching Insurers Without Loss
- IRDAI Master Circular on Health Insurance: New grace period and reduced PED waiting
- IRDAI Master Circular on Health Insurance: The 3-Hour Cashless Authorization Rule Explained
- IRDAI Surrender Value Master Circular 2024: special vs guaranteed surrender, the 1-year first-year payout, and the policyholder math
- IRDAI Surrender Value Norms 2024: Higher Special Surrender Values For Traditional Life Policies
- IRDAI Use And File Regime: Why Insurers Can Launch Products Without Pre-Approval Now
- IRDAI's 1-hour and 3-hour cashless rules: your rights under the 2024 Health Insurance Master Circular
- IRDAI's 2024 Corporate Governance Master Circular: the board and oversight rules protecting your insurer
- IRDAI's 2024 General Insurance Master Circular: the customer-first claim and disclosure rules
- IRDAI's 2024 Policyholder Protection Rules: The 30-Day Free-Look, Faster Claims and Why Your Insurer Now Owes You More
- IRDAI's Health Insurance Master Circular: The Cashless, No-Rejection Rights Every Policyholder Should Know
- IRDAI's Life Insurance Products Master Circular: Customer Information Sheet, Surrender Values and the 3-Year Revival Window
- Motor and General Insurance: What IRDAI's 2024 General Insurance Master Circular Changes for Claims and Disclosures
- Motor Third-Party Insurance: Why Section 146 of the Motor Vehicles Act Makes It Mandatory and What Happens Without It
- New Surrender Value Rules: How IRDAI's 2024 Life Products Master Circular Pays You More If You Exit Early
- No Premium, No Cover: Section 64VB of the Insurance Act 1938 Explained
- Policy Loans and Revival Rights: The Borrower-Friendly Clauses Buried in IRDAI's Life Products Master Circular
- Rs 5,000 per day: how the 2024 Policyholders Protection master circular enforces Insurance Ombudsman awards
- Section 10(10D) life insurance maturity exemption: the 10% premium-to-sum-assured rule and the Rs 5 lakh annual-premium ULIP/non-ULIP cap
- Section 45 of the Insurance Act 1938: Why Your Policy Cannot Be Questioned After Three Years
- Section 80D health insurance deduction: Rs 25k/Rs 50k slabs, preventive Rs 5k, and the senior parent maximisation
- Six regulations into one: what the IRDAI (Insurance Products) Regulations 2024 mean for product design and policyholders
- Surety bonds for Indian contractors: how IRDAI opened bank-guarantee alternatives under the 2022 Surety Insurance Contracts Guidelines
- Term Insurance Section 45: The 3-Year Lock on Claim Repudiation and the Non-Disclosure Trap
- ULIP surrender value: Discontinuance charge caps and the 5-year lock-in
- ULIP vs Traditional Endowment: Tax Treatment Under Finance Act 2025
- What IRDAI's 2024 Health Insurance Master Circular Actually Guarantees You: Cashless, NCB Portability and Consent
- What IRDAI's 2024 Policyholders' Protection Master Circular actually guarantees you
- What the 2024 Master Circular on Life Insurance Products changed about surrender value and the Customer Information Sheet
- What the IRDAI Protection of Policyholders Interests Regulations 2024 Mean for Free-Look and Refunds
- Why Insurer Boardroom Rules Matter to You: IRDAI's 2024 Master Circular on Corporate Governance
- Why your insurance commission isnt unlimited: the IRDAI 2024 Expenses of Management and Commission master circular
- Your Rights as a Policyholder: Inside IRDAI's 2024 Master Circular on Protection of Policyholders' Interests
Editorial Policy
Kavyaadheres to Oquilia's editorial policy: all financial content is based on primary sources (SEBI, IRDAI, RBI, CBDT notifications), reviewed by a qualified specialist before publication, and dated with a visible "Last updated" timestamp. Oquilia does not accept paid placements, affiliate fees, or sponsorships that would influence editorial positions.