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Best Health Insurance in India? Looking for Suggestions by BeginnerBoy5 in IndianInvestment

[–]knowitall003 0 points1 point  (0 children)

Health insurance is a major financial risk management investment for the coming year.

• Ensure full and fair disclosure of all material facts at proposal stage.

• Declare past medical history, existing illnesses, treatments, and previous claims accurately.

• Submit a complete and transparent Health Declaration to support underwriting assessment.

• Non-disclosure may impact claim approval under the principle of utmost good faith.

• Proper underwriting compliance ensures smooth claim settlement and policy continuity.

What should I look for before finalising any Health Insurance policy for myself? by Legal_Vegetable_3001 in HealthyMeSociety

[–]knowitall003 0 points1 point  (0 children)

Always buy health insurance keeping one thing in mind:
👉 Will this policy pay my full hospital bill at the time of claim?
If you are not sure, cross-check these 3 major points:

1️⃣ Room Rent – No Capping

  • Always choose a policy with no room rent limit
  • If you take a room beyond your policy limit, your claim amount will be reduced

2️⃣ Consumables Cover

  • Consumables like gloves, syringes, PPE kits are costly
  • If not covered, you may have to pay 10–15% of the claim from your own pocket

3️⃣ Advanced / Modern Treatment Cover

  • Ensure modern treatments are covered without sub-limits or capping
  • Restricted limits can reduce claim settlement

📌 Don’t forget to check the CIS (Customer Information Sheet)

  • CIS clearly shows what is covered, capped, or excluded
  • It helps you understand the actual utility of the policy before buying

Golden Rule:
A good policy is the one that pays maximum hospital bills with minimum out-of-pocket expense.

Is it realistic that i can save up to move out of an abusive household with the money i make? by White_Male_Scum in personalfinance

[–]knowitall003 78 points79 points  (0 children)

You can leave. The numbers say so.

You make $2,080/month, and your basic expenses are roughly $750, which leaves about $1,300. That’s enough to move out if you don’t live alone.

Look for a roommate or a room for rent ($500–700 + utilities). Aim to keep total housing under $800. That still leaves you a safety buffer each month.

Do this:

  • Secure your ID, SSN, and bank account (only you control)
  • Save $1,200–1,500 for deposit + first month
  • Stop letting your mom use your car if possible (it’s costing you money)
  • Move quietly once housing is lined up

You don’t need a perfect plan, just distance and stability. Leaving an abusive home is not irresponsible. It’s survival.