India has more doctors, but poor care. Is relicensing the answer?
Without fixing funding in healthcare, improving training quality, and accountability, relicensing risks becoming another box-ticking exercise.
Insurance is a financial tool that provides protection against unexpected risks such as accidents, illness, property damage, or loss of income. By paying a premium, individuals and businesses transfer the financial burden of potential losses to an insurance provider. In return, the insurer compensates them when a covered event occurs, helping reduce financial stress during emergencies.
There are various types of insurance, including life, health, motor, home, and travel insurance, each designed to address specific needs. Life and health insurance safeguard families from medical expenses and loss of income, while motor and home insurance protect valuable assets from damage or theft. Insurance also encourages long-term financial planning and stability by ensuring that unforeseen events don’t disrupt savings or investments.
Understanding insurance helps individuals choose the right coverage, manage risks effectively, and build a secure financial foundation for the future.
Without fixing funding in healthcare, improving training quality, and accountability, relicensing risks becoming another box-ticking exercise.
Mis-selling pulls families into long-term commitments, and low surrender values lock them in. Until these rules change, life insurance will remain a product where many lose more than they gain.
Ahead of Budget 2026, senior citizens are seeking stronger healthcare support, higher pensions and meaningful tax relief. Experts say focused policy action is needed to build a dignified and affordable senior care ecosystem.
Narayana Health is revolutionising affordable cardiac care across the country with low-cost insurance plans
The recent loss of private satellites on the PSLV-C62 mission highlights a critical lack of financial protection for Indian startups. As commercial activity scales, building a robust insurance ecosystem is essential to sustain India’s orbital ambitions.
Several insurer-backed studies show that a large share of Indian policyholders have life cover of less than five times their annual income. Most financial planners recommend at least 10 to 15 times annual income, and often more.
Punjab government has launched the Mukh Mantri Sehat Yojna, a universal health insurance scheme providing free treatment up to Rs 10 lakh per family. This initiative aims to make high-cost medical care accessible to all residents without any income restrictions.
Delivery partners, drivers and freelancers form the backbone of India’s fast-growing gig economy, yet financial security remains fragile for many. As Budget 2026 approaches, gig workers are hoping for measures that offer income protection, smoother credit access and faster support during emergencies.
A sudden medical emergency can quickly turn into a financial crisis. With healthcare costs rising and insurance cover often falling short, many Indian families are increasingly turning to personal loans to bridge the gap.
With healthcare costs rising and insurance still out of reach for many, Budget 2026 is being closely watched by households and insurers alike. Industry leaders believe the right tax and policy moves could make insurance more affordable for millions.
As the Union Budget 2026 approaches, MSMEs are looking for practical support to ease everyday financial pressures. Industry leaders say better access to credit, lower insurance costs and simpler rules could help small businesses grow with confidence.
On the morning of January 19, Shyam Panchal allegedly washed his hands in Atul Sahani’s plate while they were having breakfast. This led to a heated argument, during which Atul Sahani attacked Panchal. Panchal sustained severe head injuries in the altercation and died at the spot, police said.
Senior citizens walk into banks seeking safety and certainty. Too often, they walk out with complex insurance products that quietly put their savings and peace of mind at risk.
With assets under management of over Rs 57 lakh crore, LIC is not just an insurance company but also one of India’s biggest long-term investors.
Total losses from natural catastrophes, including uninsured events, stood at USD 224 billion.
Many investors focus on SIPs to build wealth, but experts say protection should come first. Health and term insurance can safeguard savings and ensure long-term financial plans stay on track during emergencies.
Students in India's smaller towns are gaining valuable skills through insurance advisory roles. This emerging pathway offers flexible work while improving financial literacy and employability prospects.
Tesla has launched the Model 3 Standard, its most affordable UK offering yet, with major cost-cutting updates, improved efficiency and UK-specific tuning.
As Budget 2026 approaches, the insurance industry is pushing for structural tax reforms, enhanced retirement security, and measures to improve access to inclusive insurance products, focusing on how policy direction will impact premium financing and sector growth.
With FDI reforms in place, Budget 2026 must prioritise affordability, trust and protection-led incentives to close India’s insurance gap and turn reform momentum into real coverage for citizens.
On this Special Report, Sneha Mordani explores the urgent expectations of the agricultural community ahead of the upcoming Union Budget. Reporting from Chandauli, Uttar Pradesh, Mordani highlights that the sector employs nearly 46% of India's workforce but faces rising input costs and erratic weather. A key sentiment captured from the ground is: 'We are not getting the cost of production because the profit value is very low.' Farmers expressed a desire for modern machinery, better irrigation, and a shift toward climate-resilient practices like black rice cultivation. Interestingly, many farmers stated they do not want subsidies or 'alms' but rather a fair price for their produce and a platform to sell chemical-free products. The report underscores the need for reforms in the PM Fasal Bima Yojana and investment in rural infrastructure to ensure the backbone of the rural economy remains sustainable and profitable.
On this Special Report, Sneha Mordani travels to the rural belt of Chandauli in Uttar Pradesh, often called the 'paddy bowl of India', to capture the urgent expectations of farmers ahead of the Union Budget. The agriculture sector, which employs nearly 46% of India's workforce, faces mounting pressures from rising input costs and erratic weather. One farmer highlighted the dire situation, stating, 'We are not getting cost of production. Profit is a far off thing.' The report details how the farming community is demanding a more robust Minimum Support Price (MSP) that ensures profitability rather than just covering costs. Beyond financial aid, the transcript outlines the need for modern machinery, subsidies for black rice farming, and improved irrigation facilities. Sneha Mordani notes that while the government has provided some machinery, the high operational costs remain a hurdle. The report concludes with a call for climate-resilient practices and a market platform for chemical-free products to ensure both farmer prosperity and consumer health.
In this exclusive interaction, India's Chief Economic Advisor V Anantha Nageswaran discusses the priorities outlined in the latest Economic Survey and the trajectory of the country's 'reform yatra'. Addressing concerns over global instability, Nageswaran stated, 'The answer is we are prepared and that's it,' emphasizing that the government is investing in domestic capabilities to counter persistent volatility in the global landscape. He highlighted the success of deregulation at both union and state levels, noting that India has exceeded job creation targets by generating 15 million jobs in the last two years. The discussion also covered the landmark trade deal with the European Union, which Nageswaran believes will significantly benefit labor-intensive sectors like textiles and gems. On the subject of Foreign Direct Investment, he noted that resolving tariff uncertainties and maintaining policy predictability remain key to attracting global value chains. Nageswaran remains optimistic about India's 'Goldilocks phase', asserting that the current economic momentum is a result of cumulative efforts over the past decade.
On this Special Report, Chief Economic Advisor V. Anantha Nageswaran discusses the drivers behind India's recent economic reforms ahead of the Union Budget. Addressing the impact of global shifts, he states, 'I would not necessarily attribute the reformed dynamism to the geopolitical situation, although, doubtless, it would have played its part.' Nageswaran clarifies that key policy shifts, including the opening of the nuclear power sector to foreign and private investors, the liberalisation of the insurance sector, and the implementation of the labor code, were in development long before current geopolitical uncertainties arose. He emphasizes that while global factors are a consideration in India's policy calculus, the momentum for these structural changes was already established. The conversation provides a glimpse into the government's long-term economic strategy and what to expect as the nation counts down to the big budget day.
In this address, an unidentified speaker discusses the development roadmap for Kerala, emphasizing the role of the youth in the state's progress. The speaker highlights various central initiatives, stating, 'NDA has a roadmap for creating employment opportunities for Kerala's youth.' The transcript details benefits provided to the fishing community, including the extension of Kisan Credit Cards to fishermen and a five-lakh insurance cover. The speaker also mentions the modernization of boats for deep-sea fishing. Furthermore, the address touches upon the 'Atmanirbhar Bharat' campaign and India's growing international agreements with regions like the Gulf and Europe, suggesting these pacts will significantly benefit Kerala. The speaker criticizes the Congress party for allegedly misleading the youth and stresses the necessity of a 'double engine government' in the state to fully realize these opportunities and infrastructure goals like electrification.
On this Special Report, Punjab Health Minister Dr Balbir Singh addresses the fallout from an India Today investigation into the Ayushman Bharat Yojana. Following reports of hospitals denying treatment or illegally charging beneficiaries, the Punjab government has issued show-cause notices to JP Diagnostics in Zirakpur and Indus International Hospital in Dera Bassi. Dr Balbir Singh stated, 'Central government owes Punjab 300 crore rupees,' while criticising the funding model where the Centre allegedly pays only 20 percent despite a 60-40 cost-sharing agreement. The Minister highlighted that while the state has allocated 1200 crore rupees to cover the entire population, delays and budget limits from the Centre continue to hamper the scheme. He confirmed having raised these concerns with the Union Health Minister twice. The programme examines the friction between the state and Centre over healthcare reimbursements and the impact on 16 lakh families in Punjab.
An unidentified speaker, presented in the bulletin as the Army Chief, delivers a warning on terrorism and says the operation is continuing. The key line is: 'Operation Sindoor remains ongoing. Any future misadventure will be resolutely responded to.' The speaker also describes a shift towards network-enabled multi-domain operations and lists planned capabilities including BrahMos extended range, Pinaka, QR-SAM extended range, drones and munitions. The transcript mentions reduced acquisition timelines under emergency procurement, greater funding, and empowerment of commanders with procurement powers. It also details logistics modernisation with logistic drones and robotic mules, claims major progress on indigenisation of ammunition, and outlines initiatives on quantum, AI platforms, sovereign LLM development, and the secure Samba mobile phone.
An India Today special investigation, 'Operation Ayushman,' exposed how numerous empanelled private hospitals deny cashless treatment to eligible patients and demanding cash payments across Delhi NCR, Punjab, and Himachal Pradesh.
This special report by India Today investigates the ground reality of the Ayushman Bharat Yojana, India’s largest publicly funded health insurance scheme. The investigation found repeated instances of patients being discouraged, asked to pay out of pocket, or denied treatment despite having valid Ayushman cards. The report covers hospitals across Delhi, the National Capital Region, Chandigarh, Punjab, and Himachal Pradesh. A key finding is: 'The promise of cashless healthcare ceases to exist.' Hospitals cited financial losses, pending government payments, and selective treatment policies as reasons for refusing care. The investigation raises serious questions about enforcement, accountability, and the true beneficiaries of the scheme.
In this Special Report, India Today’s Special Correspondent Nitin Jain conducts a reality check on the Ayushman Bharat Yojana. The investigation reveals that empanelled private hospitals in Punjab, Himachal Pradesh, and Chandigarh are denying cashless treatment to poor patients. Hospitals like Indus International in Mohali and Bhatia Hospital in Patiala were found demanding cash or citing pending government dues to refuse care. Dr. SR Sharma of Navjeevan Nursing Home in Solan admitted to rejecting cards due to unpaid dues of Rs 1 crore. The report exposes the gap between the scheme's promise and the ground reality.
In this investigative report, India Today’s special correspondent Nitin Jain conducts a multi-state reality check on the implementation of the Ayushman Bharat Yojana.
On this Special Report, an India Today expose reveals the 'bitter truth' behind the Ayushman Bharat scheme. An Unidentified speaker highlights that while the government claims 'hefty numbers' of beneficiaries, patients on the ground face significant hurdles. Doctors admit that 'wait time for such patients is generally far too long' and some hospitals refuse admission due to lack of specialties or payment issues. The report also uncovers issues with 'fake cards' and biometric delays.
A Punjab minister has highlighted alleged loopholes in the central Ayushman Bharat scheme, citing limited scope and funding issues. Speaking to India Today, the minister announced the launch of a new universal state health scheme offering 10 lakh rupees cover. The transcript reveals claims that hospitals are turning away patients due to delayed payments from the Centre. The report also discusses an anti-fraud unit's role in monitoring erring hospitals.
In a major impact of the India Today expose 'Operation Ayushmann', top ministers and officials have promised strict action against hospitals denying treatment to Ayushman Bharat cardholders. UP Deputy Chief Minister Brajesh Pathak assured that 'erring hospitals' will face penalties and blacklisting. The investigation revealed how private hospitals, termed 'vultures', turn away poor patients despite valid cards. Dr. Pankaj Singh also addressed the issue, stating that complaints are being handled and payments are being processed. The report highlights the struggle of the poor in Noida, Ghaziabad, and Delhi.
On this Special Report, India Today exposes critical loopholes in the Ayushman Bharat scheme. Senior Editor Kamaljeet Sandhu reports from Chandigarh on the ground reality, where hospitals are turning away patients and demanding cash. Punjab Health Minister Dr. Balbir Singh addresses the sting operation, promising an investigation by anti-fraud teams and highlighting the new 'Mukhya Mantri Sehat Scheme' to double health cover. The programme explores the gaps in healthcare delivery and the government's response.
On the occasion of Good Governance Day, the address highlighted the vision of Pandit Deendayal Upadhyay and the concept of Antyodaya. The speaker emphasised that 'Modi has made Deendayalji's dream his resolution', focusing on the saturation of welfare schemes like housing, water, and electricity as 'true secularism'. The speech noted that crores of Indians have defeated poverty in the last decade. Highlighting Uttar Pradesh's progress, the address stated, 'Our UP is making its identity as an expressway state' and has become 'India's number one mobile manufacturing state'. The legacy of Atal Bihari Vajpayee in telecom and connectivity was also lauded. The address also mentioned the expansion of the metro network and the 'Golden Quadrilateral' project, asserting that the government is giving a 'new dimension' to good governance.
In this market bulletin, the anchor highlights the Competition Commission of India's probe into IndiGo for alleged abuse of market dominance following recent flight disruptions. The report details the Adani Group's major consolidation of its cement business, with Ambuja Cements approving the merger of ACC and Orient Cement to create a pan-India powerhouse. The broadcast also covers record-breaking highs in gold and silver prices, which a market expert attributes to fears of a monetary reset and global inflation. Additionally, Shriram Finance clarifies it is not seeking a banking license, refuting recent speculation. The segment concludes with a look at the flat market opening, with the Nifty and Bank Nifty showing marginal moves, and specific stock action in the real estate and insurance sectors.
On this edition of the Business Today and India Today TV CoLab, Anchor Abha Bakaya and Chief Analyst Shailendra Bhatnagar track the market opening action. The big breaking news is Reserve Bank of India Governor Sanjay Malhotra’s statement to the Financial Times, indicating that interest rates are likely to remain low for a long period. Malhotra also notes that the central bank’s forecasts have not yet factored in the potential impact of trade agreements with the US and Europe. Market Expert Sharad Avasthi joins the show to discuss the passing of the insurance bill and the surge in silver prices to a record Rs 2.05 lakh per kg. The show also covers the upcoming SEBI board meeting, Zepto’s $500 million IPO plans, and Ola Electric’s promoter stake sale.
On this Special Report, the focus is on the upcoming Winter Session of Parliament beginning December 1. The session is expected to be stormy following the NDA's landslide victory in the Bihar Assembly elections. The Opposition is set to corner the government over the 'Special Intensive Revision' (SIR) of electoral rolls, alleging discrepancies. Union Minister Pralhad Joshi dismissed the concerns, stating, 'SIR is not a new thing. This is the 9th SIR after independence.' The programme also highlights key legislation listed for the session, including the Atomic Energy Bill 2025 and the Securities Markets Code Bill 2025.
Ahead of the Winter Session of Parliament beginning tomorrow, the government has listed 14 key legislations, including the Atomic Energy Bill 2025 and the Insurance Laws Amendment Bill. Parliamentary Affairs Minister Kiren Rijiju appealed for cooperation, stating, ‘hope everyone works with a cool head and hope people avoid heated debate.’ However, the opposition is gearing up to corner the government on issues like the Special Intensive Revision (SIR) of electoral rolls and allegations of ‘vote theft’. The Trinamool Congress (TMC) and Samajwadi Party are expected to lead protests on the SIR issue. Other bills on the agenda include the Securities Markets Code Bill 2025 and the Higher Education Commission of India Bill 2025. The session is expected to be stormy despite the government's appeal for a productive discussion.