If you have ever gone through your health insurance’s policy wording when the process of buying health insurance, you may have noticed “Consumables” listed under Exclusions. Or perhaps your insurance

With distressing news of war and conflict from different parts of the world becoming increasingly and worryingly common, we ordinary people can only hope that peace comes sooner than later,

In insurance, the rule of ‘proximate cause‘ is often called into action “to determine whether an event covered by a policy or an event excluded by the policy is the