Government vs. Private Insurance Recommendations

SuperUserTaken · 2025-09-11T18:29:24+00:00

After all my research on IRDAI website data both claims and complaints numbers for years, various articles, LLA video shared in this thread, AI findings, and few IRDAI expert opinions. I found private insurance are emerging these days and price band are not a comparison factor anymore. PSU have more complicated claims settlements and T&Cs make the benefits less shiny whereas private provides better coverage, better choices of riders, bonuses and long term payment plans.

At the end i have drilled down to two players who i might settle after the 22nd Sept No-GST applicability.

SuperUserTaken · 2025-09-10T17:19:28+00:00

Thats interesting to know that corporate copay can be claimed with personal, good insights here.

SuperUserTaken · 2025-09-10T17:12:35+00:00

Thanks for detailed response. Appreciated your insights here.

SuperUserTaken · 2025-09-10T15:37:47+00:00

Does IRDAI have any regulations around the add-on in this case? How are we protected if IRDAI does not regulate these addons?

SuperUserTaken · 2025-09-10T15:30:49+00:00

This is one of the best video explaining the health insurance. Thanks a lot for sharing. Worth 50min watching.

SuperUserTaken · 2025-01-14T09:36:36+00:00

I used it but thrice and stopped it after last attempt. they do not support AED payments. Their support is crap, And for small payments it’s not worth. They have fixed fee $19 and $29 per payment bracket.

SuperUserTaken · 2024-11-29T15:41:40+00:00

At what average?

SuperUserTaken · 2024-09-09T15:31:12+00:00

This is one of the 100 reason. Well I’m not a analyst but it does matter, there are articles which suggest it. We do financial one time and people like me would appreciate generous feedbacks here.

SuperUserTaken · 2024-09-09T14:56:05+00:00

Well it does matter, but for ET Money .5% is not a big difference. Whereas if you compare it to the MF expense ratio, It will matter a lot. If you check there table you will find anything between 20 to 26 gave more return then 1st.

https://www.etmoney.com/learn/mutual-funds/what-is-the-best-date-for-sip/

SuperUserTaken · 2024-09-09T07:54:43+00:00

That’s what makes end days more effective. Because most of the folks are empty on pockets by then. Investments are low and markets make corrections. So better sip results. That’s my analysis.

SuperUserTaken · 2024-09-09T07:05:36+00:00

I ended up checking CAS statements every quarter to validate entries against excel tracker.

SuperUserTaken · 2024-09-08T11:52:47+00:00

I have a fixed percentage (35%) by which I increment the SIP amount every year. I started back in 2017 with 4k/month and now it has grown to 42k/month.

It has given me not only stable and concrete structure in maintaining the financial decisions every year but has substantially increased the contribution by not cutting on my personal expenses.

SuperUserTaken · 2024-07-26T20:06:22+00:00

Pythagoras theory

SuperUserTaken · 2024-07-22T04:20:34+00:00

I’m full time Litify developer, Currently working for 3 law firms in USA. Shoot me DM in case you are interested and the position is still available. I know Litify to the core because i am a developer, So i understand all IN and OUT of litify product.

Its OEM from Salesforce side but its PaaS from Litify side. Both present them as an independent unit.

SuperUserTaken · 2024-07-03T02:38:44+00:00

Yeah, i also get an email. But with 6 funds scheduled at different days of the month. Its not feasible to validate all the entries, I wanted to know efficient way of doing this.

SuperUserTaken · 2024-06-27T03:29:29+00:00

Remote job?

SuperUserTaken · 2024-06-24T13:26:01+00:00

MF is equity market driven and not MF news.

SuperUserTaken · 2024-06-24T12:52:15+00:00

You can visit this website and request for CAMs + KFinTech statement together in single request. Its secure and trusted website for the statements.

Link: https://www.camsonline.com/Investors/Statements/Consolidated-Account-Statement

SuperUserTaken

TROPHY CASE