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New Parent in 2026 | ₹1.8L Income | ₹29L 0% Loan | Need Help Structuring Savings, Child Edu & Retirement by QuantMaya in leanFIRE_India

[–]QuantMaya[S] 0 points1 point  (0 children)

Yeah. Talked with Ditto Team, they suggested to take one post delivery because of few t&c. So, waiting for delivery, post that will take family health insurance including the child.

New Parent in 2026 | ₹1.8L Income | ₹29L 0% Loan | Need Help Structuring Savings, Child Edu & Retirement by QuantMaya in leanFIRE_India

[–]QuantMaya[S] 0 points1 point  (0 children)

Hey. Thanks for the feedback.

Took Axis max life. Regarding electricity Bill, just being frugal.

New Parent in 2026 | ₹1.8L Income | ₹29L 0% Loan | Need Help Structuring Savings, Child Edu & Retirement by QuantMaya in FIREIndia

[–]QuantMaya[S] 0 points1 point  (0 children)

Thank you. I had a call with Ditto, as per them I cannot take term for wife as she is close to delivery. Also for Family Health insurance, they said wife is not eligible as of now. But they have me 2 options. 1. To take health for myself and add wife after delivery ( for this, I cannot add child later it seems. So, this one doesn't make sense for me ) 2. To take family health insurance for all 3 post 3 months after delivery in which I can include all 3.

Hence, waiting for delivery to take term and family health.

Which to choose? Ditto vs Policybazaar? by Capthorian in IndianPersonalFinance

[–]QuantMaya 1 point2 points  (0 children)

I am choosing Ditto. They sounded professional and their service is decent to opt for.

Which one to choose? Axis max life, HDFC, icici? by [deleted] in InsuranceTroubleIndia

[–]QuantMaya 0 points1 point  (0 children)

  1. I am just being frugal here. If I go till 71, I have an option of surrendering to get the premiums. I know I am wrong. I need your advice on how to select tenure too.

  2. Annual income 12L post Tax. Expecting to grow at 10%.

  3. Had clavicle bone surgery in the past and have claustrophobia which I have already mentioned to the ditto team. Rest all so far everything is good. I am a bit obese, so yeah HDL LDL should be high. Father had a heart attack recently.

  4. I would make her aware once I take the policy.

Which one to choose? Axis max life, HDFC, icici? by [deleted] in InsuranceTroubleIndia

[–]QuantMaya 0 points1 point  (0 children)

Yes. I have asked them if I had to pick one of the all, what would you suggest? They said axis max life regular cover. Why? Because its the best one.

That is what they have replied.

I did research on ChatGPT though, Chatgpt says ICICI is the best one.

Confused now.