Centrico Insurance Repository Limited

  The cost of health care is escalating; medical treatment has become more specialised and family structures have loosened. For a lot of urban and semi-urban Indian families, it is certainly convenient to depend on just one health insurance policy – one premium, one renewal date, one document to keep track of. But comfort can lead to blind spots. This article lays out why one plan is not enough in 2026, what steps to take to avoid coverage gaps and which digital tools work – as it helps you  Know Your Insurance Policy  and  Manage your insurance portfolio digitally . Find the resources specifically ahead including how  CIRL (Centrico Insurance Repository Limited)  and its services aids you in doing that. The offset of optimism and cover: three failure modes 1) Limits, exclusions and sub-limits that are surprising to you Many of them are also denied not because of fraud but due to arcane policy clauses: room-rent sub-limits, specific procedural exclusions, wa...

  Insurance companies have embraced the digital revolution and have also launched a Cybersecurity Insurance to safeguard customers. Policies have shifted from paper to digital formats in the market and management (buying, retaining, and renewing). Digitizing an insurance policy changes the threat surface. Using a repository, a carrier portal, or an e-Insurance Account for policy management involves risks. How you defend against those risks determines if your coverage is a resource or a liability. The purpose of this article is to explain, based on expert knowledge and experience, to individual policyholders and owners of small businesses, the defensive practices required to  Store all your insurance policies online  securely and avoid losing digital insurance records to fraud. Why is this Cybersecurity Insurance Policy Important? Digital insurance records in the holders of the policy are valuable. Contained in those documents are personally identifiable informat...

  Getting hospitalized is stressful enough; finding out later your claim was denied or reduced adds insult to injury. One common justification given by insurers for why they won’t pay more is a clause that’s commonly referred to as “reasonable and customary” — it’s even enshrined in the past tenses of both those words — which sounds all kinds of technical but carries very real financial implications for policyholders. We help people & organisations understand how policy wordings, billing and insurer practices work every day at  Centrico Insurance Repository Limited  (CIRL) . What insurance companies mean by ‘reasonable and customary’ Insurers use the term to compare billed amounts with internal or third-party benchmarks for similar treatments in a given city or category of hospital. If your bill exceeds the insurer’s benchmark, it may cap how much it pays at the benchmark level. For instance, if a hospital bills ₹80,000 for a procedure that your insurance company thin...