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K NITYA KALYANI

Reporter · IN

Indexed articles, last 90 days
9
Latest publication
Sep 28, 2026
Outlet visibility, for thehindu.com
Top 5K sites
Earliest in this view
Jul 20, 2026

Latest articles

  1. Article · Sep 28, 2026 · K Nitya Kalyani

    Fine print: Barely read and rarely understood (opens the original)

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    In one of the recent pieces, I had emphasised that we must read and understand the insurance policy we are buying. Because once bought, the wording of the contract is binding. I got quite a few responses to that and the preceding pieces, all focusing on the effort needed to understand your policy. One of them, from a smart neighbour, said, “Good points, Nitya. But for ordinary people there is so much fine print that it is boring. The language is confusing. If we get the non-negotiables as bullet

  2. Article · Sep 27, 2026 · K NITYA KALYANI

    Fine print: Barely read and rarely understood (opens the original)

    Excerpt · English

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    In one of the recent pieces on this page, I had emphasised that we must read and understand the insurance policy we are buying. Because once bought, the wording of the contract is binding. I got quite a few responses to that and the preceding pieces, all focusing on the effort needed to understand your policy. One of them, from a smart neighbour, said, “Good points, Nitya. But for ordinary people there is so much fine print that it is boring. The language is confusing. If we get the non-negotiab

  3. Article · Sep 14, 2026 · K NITYA KALYANI

    Keep track of your insurance renewals (opens the original)

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    Not having insurance is risky. Riskier still is not having it but thinking you do. Ignorance about his motor insurance renewal date has landed the friend of a neighbour in a very difficult spot. The car he bought two years ago crashed badly and the repair bill came to a few lakhs. What about insurance? He was told that the insurance was for only one year and was not renewed. He called his car dealer who had assured him at the time of purchase that insurance had been done for three years. Who was

  4. Article · Sep 14, 2026 · K Nitya Kalyani

    Keep track of your insurance renewals (opens the original)

    Excerpt · English

    Read excerpt

    Not having insurance is risky. Riskier still is not having it but thinking you do. Ignorance about his motor insurance renewal date has landed the friend of a neighbour in a very difficult spot. The car he bought two years ago crashed badly and the repair bill came to a few lakhs. What about insurance? He was told that the insurance was for only one year and was not renewed. He called his car dealer who had assured him at the time of purchase that insurance had been done for three years. Who was

  5. Article · Aug 17, 2026 · K Nitya Kalyani

    Think before you don’t renew your policy! (opens the original)

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    She was insured for 11 years with not a single hospitalisation claim but no premium discount in appreciation of a profitable customer was forthcoming. So, my friend did not renew her hospitalisation policy. Mistake. One because she did not have a fallback policy. But, more so because, in this policy, she had accumulated something. In fact, a goldmine of invisible benefits. The policy had accrued the maximum bonus sum insured possible due to all those claim-free years. That is, instead of a cash

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