BLOOMING INSIGHTS

  H ave you ever: waited anxiously for your salary to be credited? worked beyond office hours without overtime? hesitated to take leave because it won’t look good? seen gig workers deliver food in extreme heat or rain and wondered? If any of this sounds familiar, then this blog is not about laws. It is about your everyday work life . And have you ever wondered who actually protects workers in such situations? That’s where labour laws come into picture. They are the rules that govern the relationship between employers and employees. They decide how much you get paid, how long you work, how safe your workplace is, what happens if you fall sick, get injured, or lose your job etc.  Labour laws exist to correct a basic imbalance. If they did not exist, would every employer still act fairly? In a country as vast and diverse as India, labour regulation plays an especially critical role in protecting workers while sustaining economic growth. And why did India feel the need to change...

Imagine this:   You’ve  paid your premiums religiously for five years. You treat your insurance policy like a safety net, tucked away for a rainy day.  Then, the storm hits - a sudden hospitalization or a car accident. You file a claim, expecting immediate relief, but instead, you receive a cold, formal lettter. "Claim Rejected". You aren't alone. In the financial year 2023-24, health insurance claim rejections in India surged by a staggering  19.10% , with insurers disallowing claims worth nearly  ₹26,000 crore . For a college student or a young professional entering the workforce, understanding this  "Claim Game"  is no longer optional; it is a financial survival skill.  This article breaks down why insurance claims become a maze, using real data from FY23-24 and 2025 outlooks, and what needs to be change for a fairer system.   1. The Data: A grim picture of "Safety"   Let’s  look at the numbers first...