Hardik Lashkari

Hardik Lashkari is a Chartered Accountant and finance content specialist with over six years of experience writing for fintech and financial services brands. He specialises in translating complex financial topics into clear, credible content — from insurance and taxation to investing and personal finance. At Gyansurance, Hardik covers the how-to side of term insurance: buying guides, policy maintenance, digital underwriting, and the fine print buyers often miss.

Term Insurance Explained for Beginners

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Maybe a friend mentioned it, or your parents nudged you to “get some cover.” But what is term insurance, really? Why does everyone say you need it, and when should you actually buy it? A term insurance plan is the simplest, cheapest form of life insurance, and for most Indians, it’s the only life insurance … Read more

5 Surprising Claim Rejection Scenarios

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Cheat sheet Non-recognised hospitals can void your claim even when treatment is genuine. Always check NABH accreditation before admission. Disease misclassification by insurers can trigger exclusions you didn’t expect. Understand your policy’s exclusion list. Lapsed policies from missed premiums kill claims silently. Always confirm ECS/auto-debit payments are credited. Document errors like wrong hospital names or … Read more

Term Insurance in Your 60s: A Smart Move

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Turning sixty doesn’t mean your financial journey ends: it means it evolves. If you’re still active, enjoy good health, or have loved ones depending on you, buying term insurance now can cover debts, protect a dependent spouse, and prevent your family from dipping into savings.  Think of it this way: your 30s and 40s are … Read more