General Insurance

@Mr-Aryan I'm looking into Digit, but I want to know if it covers major disasters like floods and earthquakes. Also, how does its claims process compare to my current loan insurance in terms of speed and reliability?

I completely understand your frustration — dealing with a claim denial for a genuine emergency is exhausting. Since you’ve already tried the Ombudsman, be sure to file a formal complaint with IRDAI’s Bima Bharosa system.

If that fails, a consumer court case is a solid next step; many people win compensation plus interest there. Maintain a consistent and organized approach for every email and document. Don't give up yet — staying persistent with the regulator and legal routes usually yields results.

Yes, you can get the insurance option for your Macbook from Apple as well as from a third-party insurance provider.
AppleCare+ extends your coverage to 3 years from your AppleCare+ purchase date with some terms and conditions.

Third-party insurers like Capital Gadget Secure, Bajaj Allianz, and others also provide laptop insurance covering various damages and theft.

Selecting the best debit card for yourself highly depends on your spending habits, your earning capacity, and your location. Mostly all the banks provide amazing debit card options with good offers, high transaction limits, and good incentives. Some good debit card options are:

HDFC EasyShop Platinum Debit Card, SBI Platinum International Debit Card, ICICI Bank Coral Debit Card, Axis Bank Burgundy Debit Card, Kotak Mahindra Bank Privy League Signature Debit Card.

I would suggest you to consider SBI Platinum International Debit Card, as it gives you rewards on each transaction, gives special discount on travelling, dinning and shopping, gives you complimentary insurance cover.