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Happy New year_Message from CEO

New Year 2021 – Letter from our CEO

Dear Ethika Family, A year has gone by. I have been in a reflective mood today, thinking about my response to some of the new year calls from my close friends. Life was so exciting just a year before… “Nothing seems to be as it was. We feel uneasy, we feel uncertain, we feel vulnerable. […]

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Farmers Protest, Employee Unrest, Employee Protest, Employee Engagement, Employee Happiness

The Invisible Protests

Farmers’ Protest – Employees’ Protest: Any Similarities? Dilbagh Singh has been protesting for several days in Delhi along with thousands of his friends. His main focus is to get attention from the Media and Government so that the new farm laws are rephrased to suit the convenience of the farmers. He and his peers are […]

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image of Corona treatment cost

Coronavirus- The high impact on employee mental health

It’s no surprise that the Indian economy has taken a big hit post corona as the news arrives. The GDP of the country has contracted in double-digits, the lowest in decades. We have come from being the world’s fastest-growing economy to our GDP being lower than Bangladesh, the situation looks bleak for everyone in 2020. […]

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vector image of car

MOTOR INSURANCE (Private Car)

A mechanically self-propelled vehicle; supposed to be ply on the public roads should have at least ‘ THIRD-PARTY ‘ Insurance as per the Motor Vehicles Act. Coverage under Motor Insurance: OWN DAMAGE: (Comprehensive) The company will indemnify the insured against loss or damage to the vehicle insured, i. by Fire ii. by Explosion iii. by […]

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Directors & Officers Liability Insurance

Directors & Officers Liability Insurance

ABOUT PRODUCT IN BRIEF:   Being a Director or Officer of a company brings with it not only the stresses and strains of making business decisions, but it also exposes the individual to enormous potential personal liability. This in turn is leading to greater concern among Directors & Officers of Indian Corporates. D & O […]

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vector image of couple with distance

Let us divorce | Ethika Insurance Broking Pvt Ltd

This will put an end to all your problems. He said sternly, hurrying out for his office. I sank into the sofa, stunned. Dumbfounded. What did I do for this? Don’t I deserve a good life, Happy relationships, Kids future, Some fun, and recreation? My joy, freedom, and peace of mind have no value, is […]

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term life insurance

Is it worth it to take Term Life Insurance?

Unexpected events do happen in our life and may come in any direction. If life is so smooth as it has to be, this blog would not have been visible. Term Life Insurance is very essential for those who are financially dependents on their monthly income and always helps to care for the family in […]

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vector image of a women doing karwachauth

Gift Your Spouse “Health Insurance” this Karwachauth

I walked into my bedroom, after my dinner and a stroll. It is already past 8 PM. My wife, Sharada (Saru, as I lovingly call her) also would have retired by now. As I entered, I saw my Saru standing at the fully open French window, gazing at the moon, with wide-open arms, as if […]

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vector image of people talking - Howshould Start-ups get Group Health Insurance?

How Should Start-ups get Group Health Insurance?

This is the most frequently asked question by Start-up Owners. Though it is not mandatory to offer a Group Health Insurance to the Employees for white-collar Employees, the organizations provide this as a benefit to the Employees as every other organization is doing so. Employees expect to get Health Insurance benefits from the Employer, as […]

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FAQ’s


  • What is the core difference between term insurance and health insurance? Out of the two, which is more beneficial in the long run?

    The core difference is, term insurance is to help -if you die, where as health insurance is to help you live long. Term insurance is for securing your family from financial crisis, if you die. Health insurance is to secure you and your family from financial crisis if either you or any of your family member is hospitalized. Both are very important to have. Instead of choosing one out of these 2, I suggest you to go for a super top up policy for health insurance and go for a plain term insurance atleast to a minimum of 50 Lakhs Sum Insured. You can reach us at ethika.co.in. for any help in selecting right product for lowest premium.
  • What are some good health insurance plans in India?

    Instead of just looking at buying only 1 plan with all benefits, its better to go for a combination of plans to get a cheaper cover. Most of the insurance plans offers attractive riders ( optional Covers), but there are better alternatives to get the same cover more comprehensively at cheaper price. You can follow my answer in below link for a good health insurance plan in India.Susheel Agarwal's answer to Where could I get low-cost self-employed health insurance?
  • Is there any health insurance that covers maternity without a waiting period?

    This is possible only under corporate group health insurance. Retail Health insurance does not cover health issues which are planned and certain to happen. If insurance is provided for maternity with out waiting period, every person will opt for health insurance just before maternity. Insurance companies runs on the concept of 2 or 3 incurring loss out of 100. So the collected premium should be sufficient for payment of claims incurred. If this ratio is reversed that 90 to 95 people are claiming then how will an insurance company manage to pay the claim? There are policies in market where there is a waiting period as low as 9 months. But those plans are not useful as premium is very very high.