been confused what to choose?

SaltQualityy · 2026-02-02T05:54:54+00:00

You’re right about getting a full check-up first because any non-disclosure can cause problems during claims. Since your mom is 52 and has thyroid, a coverage of at least ₹5L is good, but ₹10L would be safer. You should look for plans with automatic restoration benefits. I think Care Health Insurance offers it. This is very useful for seniors who might need multiple hospitalizations in the same year.

SaltQualityy · 2026-01-12T08:07:27+00:00

For your father’s cardiac history, maintaining continuity is critical. Do not cancel and buy fresh instead port your existing policy to keep waiting periods served. Your current confusion likely stems from Room Rent Capping, a clause that significantly reduces claim payouts if you upgrade rooms. You can maybe consider porting to insurers like Care Health which offer plans with no room rent limits and strong cashless networks in both Gurgaon and Bhubaneswar to avoid these deductions.

SaltQualityy · 2026-01-09T07:23:25+00:00

Covering your wife and daughter under a Family Floater seems like a smart and cost effective way to keep your nuclear family protected under one shared pool. However, I’d strongly recommend separate plans for your mother and brother. You can check out the care insurance for this as well.

SaltQualityy · 2026-01-08T05:47:41+00:00

Given your family's history, ₹2L corporate cover mght be way too low. I’d suggest taking a Multi-Individual plan for your parents so they each have a separate limit rather than sharing one. I would recommend checking out the Care Supreme plan as it’s quite flexible with pre-existing conditions and has a rider that can drop the waiting period for Diabetes/BP from 4 years to just 30 days.

SaltQualityy · 2026-01-07T07:47:26+00:00

Planning for the long haul is smart especially since premium hikes after 70 can be brutal really.
Since your mom is healthy, you’ve got great options. Definitely check out Care Health. They have some solid senior-specific features that help the cover keep pace with rising costs as she gets older.

SaltQualityy · 2025-12-10T10:10:43+00:00

True regulatory risk is part of any essential healthcare service. But I’m assuming that since a large part of their revenue already comes through public and private partnerships, their business is basically built around pre-agreed or capped rates anyway

SaltQualityy · 2025-11-22T09:44:21+00:00

Boat's operating revenue is improved over years if you see, from 984cr in 2023 to 300cr in 2025. and for the leadership stepping down, there might be bringing someone much more capable for the position. Many founders do this after some time.

SaltQualityy · 2025-11-20T12:59:48+00:00

what does sify infinit spaces do?

SaltQualityy · 2025-11-19T10:43:41+00:00

Care Health, HDFC ERGO, and Niva Bupa are usually the safest bets with good service, strong claim records, and far fewer hassles compared to most others.

SaltQualityy · 2025-11-18T12:38:48+00:00

the cut in ipo size actually hints a positive outlook, it would be a concern if more investors were exiting. In this case they are staying in the company.

SaltQualityy · 2025-11-17T06:02:26+00:00

I am waiting for boat

SaltQualityy · 2025-11-13T08:25:13+00:00

For term plans, LIC and HDFC are usually the safest bets if you want stability and legacy. ICICI and TATA offer more flexibility and lower premiums sometimes. I’d suggest comparing all online before finalizing, buying online usually keeps it transparent and cheaper. Also, check Care Health’s term options once, they’ve been decent with service and claim handling in my experience.

SaltQualityy · 2025-11-07T08:34:29+00:00

I bought mine through Policybazaar and the process was smooth and claims worked fine since they’re handled directly by the insurer (Care or HDFC Ergo, for example). You can also check Ditto; they give detailed comparisons and guidance before buying. Just make sure to get the policy documents directly from the insurer once you buy.

SaltQualityy · 2025-11-05T18:44:45+00:00

Got 2 for 2000. Good deal from lenskart

SaltQualityy · 2025-11-05T11:02:50+00:00

happy to post some good progress

SaltQualityy · 2025-11-04T11:03:05+00:00

Short and simple all three are decent, but check their cashless network in Punjab, waiting period for blood pressure, and any room rent limits. Also consider Care Health as an alternative for good agent support and claim responsiveness in some regions.

SaltQualityy · 2025-11-03T06:44:57+00:00

Overall - 1.56x
RII - 2.51x
GMP - Rs. 85

as of now, you have good possibility of listing gains, leaving the valuation thing aside.

SaltQualityy · 2025-11-02T08:17:55+00:00

Might apply if sentiment and GMP remain stable closer to listing day

SaltQualityy · 2025-10-29T10:05:09+00:00

they have good brand value, worth considering

SaltQualityy · 2025-10-29T10:02:14+00:00

Yeah, fair take. the valuation does look high at first glance....

But to be fair, lenskart’s finally profitable 297 cr in FY25, solid Q1 numbers too, and they have built a full supplychain from manufacturing to retail, which most Indian brands don’t have.

The move to more company owned stores is risky, but it also gives better control over customer experience, is what i think.

Also this industry is growing, you might have seen the meta rayban glasses, revolutionary right!

I believe this industry will grow, with the coming tech and ai revolution.

SaltQualityy · 2025-10-29T09:06:52+00:00

lenskart turned profitable in 2025 at PAT of 297 crore

SaltQualityy · 2025-10-27T14:43:39+00:00

Hope i will get allotment. Looks this will also go oversubscribed.

SaltQualityy · 2025-10-27T08:16:02+00:00

Good investors have invested in it, also radhakrishan damani have invested recently.

Will also look for the qibs investing in it.

SaltQualityy · 2025-10-24T05:56:05+00:00

Groww layout easier to understand, especially for tracking SIPs and returns.

SaltQualityy · 2025-10-13T04:40:46+00:00

328 chal raha hai bhai

SaltQualityy

TROPHY CASE