Health insurance has become an essential pillar of financial security in India, enabling individuals and families to manage rising medical costs while protecting long-term savings. As awareness around healthcare planning and financial protection grows, insurance is increasingly seen not as a discretionary expense but as a necessary safeguard against unexpected medical emergencies.
 

A fully customizable health insurance product with industry-first features like 10x Cumulative Bonus, Gym & Sports Injury Cover along with other Special Covers like Endless Sum Insured
 

At the same time, the health insurance landscape is evolving. The industry is gradually moving away from rigid, standardised offerings towards solutions that better reflect individual requirement making it more personal. Customisable health plans allow individuals to pay for what truly matters to them, rather than being locked into features they may never use.
 

How Customisable Health Insurance is redefining Health Coverage

Aligning Coverage with Life Stages
Healthcare needs evolve with age, life stage, and changing lifestyles. Younger individuals may prioritise affordability and accident-related cover, families often seek maternity and child healthcare benefits, while older adults may require enhanced protection for chronic conditions. Customisable plans allow coverage to adapt in line with these changing requirements.

Managing Healthcare Costs More Effectively
By selecting relevant add-ons and opting required features and limits, policyholders can balance coverage and premiums more efficiently. This makes health insurance more accessible while still offering meaningful protection.

Addressing Lifestyle and Preventive Healthcare Needs
With lifestyle-related health concerns becoming more common, customers are increasingly opting for features such as regular health check-ups, wellness benefits, areas that traditional plans may not adequately address.

Keeping Coverage Relevant Over Time
As individuals change jobs, relocate, or experience shifts in family structure, insurance needs also evolve. Customisable health insurance plans make it easier to review and update coverage periodically, without the need to start afresh, ensuring continued relevance over time.

Reflecting this growing preference for flexibility, SBI General Insurance recently introduced “SBI General Health Alpha”, a health insurance solution designed to adapt to customers’ evolving healthcare needs. The product enables policyholders to personalise their coverage through a range of optional benefits, allowing them to build a plan that suits their current priorities while offering the flexibility to adjust it over time.
 

The key features of SBI General Health Alpha includes

• Up to 10x Cumulative Bonus – This is add-on cover which provides up to 10x cumulative bonus annually, if no claim is made under the policy.

• Unlimited Sum Insured – Base Sum Insured of the policy will be unlimited. A claim of any amount will become payable, subject to Policy terms and conditions.

• Endless Sum Insured – Covers hospitalization expenses for a single claim beyond the Base Sum Insured, this benefit can be availed once in lifetime of the policy.

• Gym & Sports Injury Cover – This is industry’s-first and exclusive add-on which provides OPD benefits for injuries sustained during hobby sports or daily fitness activities, covering specialist consultations, diagnostic tests, prescribed medicines, and physical therapy.

• Plan Ahead – This unique add-on benefit provides Waiting Period continuity earned by the policyholder to newly married spouse (age up to age 35 years) and/or newborn children (maximum 2 children), provided they are enrolled within 120 days of marriage or birth.

• Welcome Discount – The product offers distinctive “Welcome Discount” of 5%, if new policy is purchased within 5 days of quote generation.

At SBI General Insurance, the emphasis is on giving customers greater choice and ensuring that health insurance evolves with their needs across different life stages, rather than remaining a fixed, one-time purchase. As India continues to strengthen its healthcare ecosystem, customisable health insurance is emerging as a natural progression, one that places customers at the centre of coverage decisions while supporting long-term health security and financial resilience.

About SBI General Insurance
SBI General Insurance, one of the fastest-growing private general insurance firms, backed by the robust support of SBI, upholds a legacy of trust and security. We position ourselves as India’s most trusted general insurer amidst a dynamic landscape. Since our establishment in 2009, our expansion has been substantial, growing from 17 branches in 2011 to a nationwide presence in 146 branches. In FY 2024-25, SBI General Insurance reported a Gross Written Premium (GWP) of INR 14,140 crores, recording a YOY growth of 11.1%.
 

The company received numerous prestigious accolades, showcasing its excellence across various domains. Key honors include being named as the Domestic General Insurer of the Year – India and Claims Initiative of the Year – India at Insurance Asia Awards 2025 Singapore, Large General Insurance category at the Mint BFSI Summit & Awards, the 3rd InsureNext Awards 2024 for Best Claims Settlement, and India’s Best General Insurer of the Year at the 7th Insurance Conclave Awards. At the India Insurance Summit & Awards 2024, the company secured titles for General Insurance Company of the Year and Leading Implementer of Analytics Technology in Insurance. Additionally, it was honored as the Best BFSI Brand at the ET NOW Best BFSI Brands Conclave 2024 and included in BW BusinessWorld’s India’s Most Respected Companies. Certified as a Great Place to Work in 2024, the company also excelled at the ETBFSI Exceller Awards 2024 with recognition for Best Claims Management in Insurance and Best CSR Campaign of the Year, further highlighting its commitment to social responsibility and innovation.
 

With a team of over 9,000+ employees and our multi-distribution model covering Bancassurance, Agency, OEM, Broking, Retail Direct Channels, and Digital collaborations, we are committed to providing both Suraksha and Bharosa to all our consumers. Leveraging a vast network that includes over 22000+ SBI branches, plus agents, financial alliances, OEMs, and digital partners, we extend our services to even the most remote areas of India. Our offerings cater to Retail, Corporate, SME and Rural segments, and our diverse product portfolio ensures accessibility through both digital and physical channels.

When it comes to operating a fleet of vehicles for commercial purposes, one of the most significant decisions a business must make is whether to lease or buy. The choice between renting vs buying commercial vehicles can have substantial implications for cash flow, operational efficiency, and long-term profitability. 

Truck vehicle with trailers background 

While purchasing provides ownership and long-term cost savings, leasing offers flexibility, fixed expenses, and ready access to newer models. Understanding the financial and operational impacts of each option is essential for any company looking to minimise cost while ensuring business productivity.

Benefits of Leasing vs. Buying Commercial Vehicles in India  
Buying a commercial vehicle entails complete ownership. The company either pays cash for it or takes a loan, after which the commercial vehicle becomes an asset on the firm’s balance sheet. Additionally, ownership involves total control over usage, maintenance cycles, and possible alterations to meet business requirements.  

On the other hand, leasing is similar to renting a truck for a specified period, typically 2 to 5 years. The company makes periodic fixed monthly payments, possibly with maintenance and repair services, minimising the threat of unforeseen costs. This model offers operating flexibility and low, fixed costs, which attract companies with less cash flow or economic volatility.

Key Cost Components of Owning a Commercial Vehicle
Purchasing one or more commercial vehicles is a major investment. From financing and insurance to maintenance and depreciation, every aspect contributes to shaping the total cost and profitability of running a fleet. Here are the key cost components: 

• Initial Purchase Price

The initial purchase cost serves as the basis for ownership expenses. It encompasses the total price of the vehicle or down payment when financing with a loan. Although a lower initial price is desirable, one must also consider the vehicle’s reliability, effectiveness, and long-term durability. 

A higher-cost but more effective and reliable vehicle can reduce running costs in the long run. The purchase cost also affects other monetary factors, such as depreciation and insurance premiums.

• EMI Payments or Loan Interest

Monthly EMI payments and interest have a substantial impact on total spending for businesses that buy commercial vehicles on finance. The loan period, interest rate, and down payment percentage determine the overall cost incurred above the vehicle’s base price. 
For example, a Rs. 10 lakh loan taken at 9% interest for five years incurs an additional interest of around Rs. 2.4 lakh. 

• Commercial Vehicle Insurance

Insurance is not only mandatory under the Motor Vehicles Act but also an important financial protection. Commercial vehicle insurance guards against damage, theft, and third-party claims. Premiums vary according to vehicle type, usage, engine power, and coverage type. Opting for an insurance plan provides financial stability and peace of mind in the event of mishaps. 

• Maintenance and Repairs

Maintenance and repair costs form a major portion of recurring ownership expenses. Regular maintenance, component replacement, and unexpected repairs ensure vehicles are running safely and in optimal condition. 

• Depreciation

Depreciation is the decline in a vehicle’s market value over time and is one of the most significant components of TCO calculation. Commercial vehicles in India usually depreciate by 15–20% in the first few years, depending on usage and maintenance, and after five years, the residual value is typically negotiated between the owner and the insurer. 

• Taxes and Permits

All commercial vehicles in India are subject to state-specific taxation and permit regulations. Such taxes and permits include road tax, registration charges, and commercial permits, which differ from state to state. In addition, vehicles are subject to periodic costs such as pollution testing, green tax, and fitness certification after 15 years of service. 

Key Cost Components of Renting or Leasing Commercial Vehicles
Discussed below are the primary cost components associated with leasing or renting commercial vehicles:

• Monthly Lease/Rental Payments

Monthly rental or lease payments constitute the bulk of commercial truck leasing charges. Payments are usually fixed, allowing businesses to better control budgets. However, rates vary depending on vehicle type, lease term, and mileage restrictions. Hence, it is vital to compare prior to agreeing to contracts.

• Insurance under Rental Agreements

Insurance coverage is generally required under most rental or leasing agreements. Based on the policies of the leasing company, you can go for third-party commercial insurance or comprehensive truck insurance.  

The former covers damages to third-party vehicles and property, while comprehensive insurance provides financial security in case of accidents, theft, or damage to your own vehicle, as well as third-party liability. 

Additionally, in some cases, commercial insurance may be bundled into the leasing costs. Thus, it’s crucial to check the components of your lease payments before opting for an agreement. 

• Maintenance and Downtime Costs

Maintenance is frequently included in the leasing company, which lessens the financial burden on companies. However, unplanned downtime or slow repair can still affect productivity and contribute to indirect losses. Having a rental partner with effective maintenance assistance and replacement vehicle facilities can reduce these problems.

• No Depreciation or Market Risk

One of the key financial benefits of leasing or renting commercial vehicles is the lack of depreciation and resale risks. Companies can upgrade or return vehicles at the end of the lease period without concern for asset value decrease or market volatility. This gives way to more agile fleet management and cost predictability.

• Hidden or End-of-Term Costs

Though leasing might seem economical in the beginning, there can be extra costs in the form of excess mileage charges, wear-and-tear charges, or administration fees that raise the overall bill. Careful reading of the lease contract helps avoid any shocks at the time of renewal and enables more effective management of commercial vehicle rental charges.

Cost Comparison: Renting vs Buying Commercial Vehicles

When deciding between buying and renting commercial vehicles, businesses need to weigh financial flexibility against long-term value. The comparison below highlights the key cost factors for both options in simple terms:

From the above discussions, hopefully, you have gotten your answer on the effectiveness of renting vs buying commercial vehicles. Purchase when your trucks operate set routes every day, and you prefer ownership and long-term retention. On the other hand, lease when flexibility, stable monthly expenses, and access to newer fleets are most important. 

In India’s fast-evolving digital landscape, free-to-play (F2P) multiplayer games have become the go-to entertainment choice for quick breaks between meetings, travel, or simply to unwind during the day. Their rise is no accident; it’s rooted in how Indians consume content on mobile devices and how perfectly short-session gaming fits into the culture.

Why Free-to-Play Games Are India’s New Tea-Break Entertainment

Platforms such as Zupee, Ludo King, Candy Crush, Subway Surfers, and Nostra-style mini-games now compete directly with social media scrolling during chai and office breaks.

The Rise of Micro-Session Gaming
India’s casual gaming boom thrives on short bursts of play that slot neatly into tea breaks, commutes, and queues. More than 70–75% of gaming sessions last just two to six minutes, mirroring the nation’s preference for bite-sized content such as Reels or quick chai chats. With affordable data and over 659 million smartphones, these games are accessible everywhere  from office pantries to small-town homes.

Free-to-Play Games Fit Short-Session Play
Most F2P titles are designed for quick, satisfying interactions. Games built for short bursts  like Ludo matches, puzzle rounds, quick cricket overs, or simple strategy duels  fit naturally between everyday activities. These “bite-sized” gaming sessions are ideal for breaks, meaning players don’t need to commit hours at a time.

For instance, Zupee’s free titles such as Ludo Supreme,  Carrom Ninja, Snakes & Ladders plus, and Trump Cards Mania are designed for short, competitive rounds that can be completed in minutes and played casually throughout the day  perfect for tea-time entertainment.

Familiar, Social, and Competitive
Games that echo classic Indian pastimes board and card games that many grew up with  have immense built-in appeal. Digitally reimagined classics like Ludo, played socially with friends or strangers online, bring both nostalgia and quick fun. Platforms such as Zupee have tapped into this cultural familiarity, helping their games become fixtures in daily entertainment.

Zupee’s Ludo revives the Mughal-era game Pachisi for Gen Z, while hyper-casual titles like stack-ball games add swipe-based excitement for players seeking instant gratification.

Low Barrier, High Engagement
The free-to-play model removes barriers to entry  no download fees, no upfront paywalls making games instantly accessible. Even when titles include in-app purchases or advertisements, the core gameplay remains free, encouraging casual “drop in, drop out” patterns that suit India’s short-break habits.

F2P Games Are Now Everyday Rituals
Whether it’s a quick round of digital Ludo during an office break, a fast cricket mini-game between chores, or a few puzzle levels queued up while waiting for tea to brew, free-to-play games have seamlessly embedded themselves into tiny pockets of time in everyday Indian life. In fact, for many players, a Ludo download is the first step into this growing ecosystem of bite-sized mobile games.

Their success lies in their simplicity, accessibility, cultural resonance, and a mobile-first audience eager for instant entertainment making F2P gaming India’s new tea-break ritual.

Real estate venture One Prastha, which is dedicated to crafting integrated, value-driven communities, recently secured RERA approval for its all-inclusive premium residential plot project in Sector 91, Sonipat, Haryana. This important milestone reaffirms One Prastha’s commitment to transparency, trust, and the timely delivery of projects.

Somesh Mittal (Left) and Aditya Goel (Right), Co-Founders of One Prastha

Strategically located, the residential project in Sector 91 is just a 20-minute drive away from the Kundli / Delhi Border and conveniently located 50km away from the IGI Airport. With Care, Comfort and Convenience at its core, the project has clinics, schools, shopping arenas, fitness zones, co-working spaces, restaurants, an amphitheatre and more, all within the township. This high level gated community comes with landscaped avenues, wide internal roads and 24/7 common area power backup; it is a blank canvas with premium infrastructure already in place.

Commenting on this prestigious achievement, Somesh Mittal, Co-founder of One Prastha, said, “Getting RERA approval for our Sector 91 plots is a proud moment that underlines our commitment towards setting the highest standards of quality, compliance, and intent. At One Prastha, we do not just build homes; we build legacies, and we endeavour to create a community-first living experience featuring a well-planned layout with all major facilities that imagine the future in Sonipat. As Sonipat rises as a real estate hub, we at One Prastha are delighted to contribute to its continued growth. With the receival of RERA approval for our project in Sector 91, we invite our patrons to come and step into something that is built for multi-generational living and for the future.”

The RERA approval follows the successful launch of One Prastha’s earlier project, like the residential plots in Sector 87, Sonipat and solidifies its growing legacy of crafting developments that are beyond the ordinary and set new parameters within the real estate horizon of Northern India. These freehold residential plots within the project are planned in a way that integrates sustainable design, smart infrastructure, and Vastu-compliant layouts.

The One Prastha plots on which villas can be made are more than just homes; it is a lifestyle rooted in Indian ethos and aimed towards future living. Backed by a strong track record of early project delivery, competitive pricing, and a multi-generational planning approach, the One Prastha brand is soon emerging as a trusted name redefining real estate in northern India.

About One Prastha
One Prastha, founded in 2023, draws inspiration from the ancient Indian concept of Prasthas: historic settlements rooted in community living. The company aims to recreate these timeless values through modern, meticulously planned ecosystems across residential, commercial, industrial, and farmhouse segments. After successfully delivering its first 8.5-acre boutique project ahead of schedule, One Prastha is now developing a 60-acre integrated township in Sonipat and expanding into farmhouse communities, industrial parks, and high-rise residential formats.

Hon’ble Union Home Minister, Ministry of Home Affairs and Cooperation, India, Shri Amit Shah, addresses the attendees of Namotsav 2025, India’s first musical multimedia show presenting the life of Prime Minister Shri Narendra Modi, at Sanskar Dham, in the presence of Shri Bhupendrabhai Patel, Hon’ble Chief Minister of Gujarat and Shri Harshbhai Sanghavi, Deputy Chief Minister of Gujarat, alongside several distinguished dignitaries. Namotsav celebrates Prime Minister Narendra Modi’s journey of struggle and leadership. In just 11 years, his vision of Viksit Bharat 2047 has inspired 140 crore Indians to aspire for global leadership across every sector. From children and youth to farmers and industrialists, the Prime Minister has empowered every section of society through transformative schemes that are improving lives nationwide, said Union Home Minister Shri Amit Shah.

Viksit Bharat by 2047: PM Modi has Ignited the Confidence of 140 Crore Indians, says Hon’ble Union Home Minister

Namotsav celebrated the extraordinary journey of India’s Hon’ble Prime Minister Shri Narendra Modi, who continues to refer to himself as Vakil Saheb’s karyakarta (worker). More than a commemorative event, Namotsav was a living tradition that reflected how service inspires resolve and commitment to the nation. Envisioned as a cultural festival, the three-day celebration from 28 to 30 December 2025 showcased the Prime Minister’s leadership through artistic expression, vibrant performances, multimedia presentations and the presence of eminent national leaders. Popular Gujarati artist Sairam Dave spearheaded the performance along with more than 150 performers. 

Sanskar Dham stands on the ideological foundation of Sanskar, service, values and love for the nation. The institution draws inspiration from the philosophy of Lakshmanrao Inamdar ji, fondly remembered across Gujarat as Vakil Saheb, who believed that divinity resides in the human conscience and that every individual is capable of imbibing values. When education is grounded in ethics and responsibility, it becomes a powerful force in shaping the nation’s future.

Guided by the National Education Policy 2020 and inspired by the core values of service and nationhood, Sanskar Dham’s educational institutions, Laxman Gyanpith School and Global Mission International School, are shaping learning environments where values become a way of life and childhood is given purposeful direction. These institutions reflect Sanskar Dham’s commitment to nurturing responsible, aware and grounded global citizens from an early age.

This vision extends into higher education through Anant National University, which is dedicated to training students to devise solutions for global problems. Other institutions under the Sanskar Dham umbrella include Anant School of Excellence, Sanskar Dham Sports Academy and Sanskar Dham Drone Academy, each contributing uniquely to holistic education and skill development.

Looking ahead to Viksit Bharat 2047, Sanskar Dham’s next major initiative, NAMTECH, is envisioned as a living–learning laboratory. Designed to offer learning and innovation opportunities to nearly 15,000 students annually, NAMTECH’s experiential education model has been developed in collaboration with leading industry experts and reputed institutions from the United States, Europe and Singapore.

Namotsav was a tribute to thousands of karmayogis who have contributed to Sanskar Dham’s journey since its inception, and to the leadership that guides it towards greater purpose and national service.