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Home › Personal Finance › Insurance › IRDAI Health Insurance Rules 2026 Insurance Personal Finance  |  16 Jun 2026  |  9 min read Quick Answer Under the IRDAI Master Circular on Health Insurance Business (29 May 2024), every health insurer in India must follow these rules: pre-existing disease (PED) waiting periods cannot exceed 36 months ; the moratorium after which an insurer cannot contest a claim for non-disclosure is 60 months ; cashless pre-authorisation must be issued within 1 hour of the hospital's request, and final discharge authorisation within 3 hours ; insurers must offer at least one product with no upper age limit ; and AYUSH treatments are covered up to the full sum insured with no sub-limits. Portability preserves your accrued waiting-period credit — switching insurers does not restart your clock. These are not new 2026 changes; they are the operative framework for every health policy i...

FinEstate Personal Finance Tax RBI & Macro Tools Personal Finance EPF & PF  ·  June 2026  ·  7 min read Disclosure: This article covers EPFO policy announcements and administrative procedures for educational and general informational purposes only. It does not constitute investment or financial advice. EPF interest rates, notification timelines, and scheme rules are subject to change. Verify current information at epfindia.gov.in before making any financial decision. AI-Assistance Disclosure: This article was researched and drafted with AI assistance and reviewed by Utkarsh Garg, Founder & Editor, for factual accuracy before publication. Key figures are verified against primary sources cited; readers should confirm current figures at the official source before acting. Editorial Note: The “June–September 2026” credit window is a press estimat...

FinEstate RBI & Macro Tax & Investing Real Estate Tools RBI & Macro Inflation  ·  June 2026  ·  7 min read By Utkarsh Garg  ·  Founder & Editor  ·  Published 12 June 2026  ·  Last updated 12 June 2026 Disclosure 1 — Not investment advice: This article is for general educational purposes only and does not constitute financial, investment, or tax advice. Do not take any financial decision solely on the basis of this analysis. Consult a SEBI-registered investment adviser or financial planner before acting. FinEstate is not SEBI-registered. India's CPI Inflation for May 2026: The Numbers at a Glance Quick Answer — India CPI May 2026 India's retail inflation (CPI, base year 2024=100) rose to 3.93% in May 2026, up from April's 3.48%, according to data released by MoSPI on 12 June 2026. The 15-month streak of below-4% i...