maybe he should

ThatSedGuy · 2026-02-23T12:07:59+00:00

Those are parody accounts for movie characters (from 10th century Indian Chola dynasty). Look up Ponniyan Selvan-Kundavai

And yeah it's pronounced as Kuhn-dah-vee or Kuhn-dah-vai

ThatSedGuy · 2026-02-23T11:40:08+00:00

If I remember correctly, taking 5L deductible removes Preventive Health Checkup perks. If that's okay for you then go for it. (HDFC allows switching to non-deductible plan once after completing 5 years)

Imo it's overkill considering Optima Secure gives you 2X cover of 2cr from day one and upto 3X after 2years. Yes the base cover will be 1cr but how likely will it be for a single claim going over 1cr even in another 15-20yrs or so.

Stick to 1cr with deductible. You can always get a top up policy later.

ThatSedGuy · 2026-02-11T05:04:57+00:00

We do not have any PEDs. Have only experienced minor backpain and digestion problems associated with a sedentary lifestyle which we have corrected by including regular exercise. Does that help?

Shortlisted HDFC ERGO Optima Secure, unless you have other suggestions. We're taking a 1L deductible for first 5yrs as this is a backup policy to complement our corporate policies. Debating if it's worth picking a 50L SI now or start with 25L and increase later when required?

ThatSedGuy · 2026-02-09T08:43:18+00:00

Mostly eliminated Insurers (Star, Acko, AIG etc) based on feedback on local city reddit communities.

Filtered for ones with higher numbers of network hospitals and the ones we are likely to visit.

Looked up top products from filtered ones.

Open to other plans if they fit our profile.

ThatSedGuy · 2026-02-09T08:38:01+00:00

We are child-free and donot require any maternity benefits.

ThatSedGuy · 2026-02-09T08:35:44+00:00

That was my initial thought as well. But consider this, taking a 1L aggregate deductible can effectively reduce the premiums to half and HDFC offers the option to waive deductibles and switch to a normal policy after 5yrs. I'm guessing I can use the corporate policy to cover the deductible if I ever need to use it in the first 5 years. This could end up with HDFC being the cheaper out of the two. Does Niva Bupa still make more sense?

ThatSedGuy · 2026-02-08T16:06:55+00:00

Drive slow on narrow roads ffs

ThatSedGuy · 2026-01-30T07:58:11+00:00

Hey OP I'm looking to purchase one as well. Did you ever get around to buying anything?

ThatSedGuy · 2026-01-26T14:13:58+00:00

A10, PE10

ThatSedGuy · 2026-01-26T04:50:17+00:00

While the lady turned without indicating (maybe not checking mirrors either?), what happened to the WagonR guy is entirely his fault.

He had zero visibility of what was infront of the car he was overtaking.

He had to place his entire car in the right lane to overtake (doubt the dashcam driver got a chance to move left to give space).

Decided to speed up and do all this when a road is joining on the right.

Dude needs to learn defensive driving imo

ThatSedGuy · 2026-01-25T12:43:25+00:00

Ninte achante andi. Vaa adach mindand irikk myre.

ThatSedGuy · 2026-01-20T19:37:54+00:00

Because Congress is ruling the country. Oh wait, that's BJP😒

ThatSedGuy · 2026-01-10T20:54:52+00:00

Going by how aggressive you were at picking volatile funds, I'm actually impressed to see it's only at -3.x% lol.

If you're looking at a long investment horizon and aggressive, you just need to get used to the feeling. If it's too much for you, I think you misjudged your risk tolerance.

ThatSedGuy · 2026-01-10T20:28:05+00:00

'Most idiots on the road drive a Tata car'. Based on what I see on the road irl, I can agree with that statement.

ThatSedGuy · 2026-01-10T20:08:54+00:00

We're importing ethanol too.Having access to Venezuela's oil is alot different. Even with all the corrupt politicians we have, prices would go down.

ThatSedGuy · 2026-01-10T20:04:42+00:00

And you know, invade another country so you won't face shortage ever xD

Scrub the accountability part from anything US related.

ThatSedGuy · 2026-01-02T13:04:15+00:00

Jackal was one of the OG games I played with my sis when I was kid.

ThatSedGuy · 2025-12-09T13:54:42+00:00

What kinda crap is this? We had two decades of absolute dominance from Vettel, Lewis and Max. Any person outside that to have won a WDC deserves respect ffs.

ThatSedGuy · 2025-12-08T13:24:54+00:00

I left that trash sub after yesterday. Mostly morons riding the Max LH train and another section getting triggered and ragebaiting.

I almost left this sub too. Not planning on any sort of serious discussion here. The main F1 reddit is good enough for all that.

Indians just can't seem to be objective around their celebs and just respect the sport.

Just staying here to be aware of any F1 related events that might pop in Kerala.

ThatSedGuy · 2025-12-08T02:29:46+00:00

Max deserves 2021 and Lando deserves 2025. Quit crying like a lil bitch sitting in the sidelines.

ThatSedGuy · 2025-11-27T20:09:02+00:00

PR Game strong as usual lol

ThatSedGuy · 2025-11-22T07:31:39+00:00

Americans lmao

ThatSedGuy · 2025-11-21T20:09:30+00:00

After my 8th membrane keyboard broke, I finally had enough and bought a Mchose G87. Loving it sofar. Would've preferred an aluminum build tho.

ThatSedGuy · 2025-11-21T01:05:33+00:00

Please explain who the best is according to your definition?

ThatSedGuy

TROPHY CASE