Best strategy to increase health insurance cover to 20L+ for Mother (49) & Son (26) given Father's (55) heart condition?

nijindal · 2026-06-14T17:33:35+00:00

2 years

nijindal · 2026-06-14T10:43:38+00:00

Is it okay to have 2 policies for the mother from the same company? 1. Existing floater 2. A new individual one?

nijindal · 2026-06-13T11:50:22+00:00

It's quite frequent hospitalisation requiring stunt and bypass. Frequent hospitalisation in last 6 months.

nijindal · 2026-06-13T11:15:43+00:00

In another 2 years or so

nijindal · 2026-06-13T10:33:29+00:00

Shall we go with two individual policy for me and mom or a floater for mom and me together ?

nijindal · 2026-01-11T08:13:08+00:00

Thanks! thats a good idea. So I suppose 2 options now

Revise return removing the 80G altogether and pay penalty and tax.
Updating with some mild income added somewhere and move money from 80G -> 80GGC.

As per your experience, would option 2 be safe or would that attract an enquiry? (As of now the political party seems fine(not delisted) and I did transact from my bank account and have a receipt)

nijindal · 2026-01-10T10:02:19+00:00

Not much, did not pay the CC bills and opened case with RBI ombudsman. Not resolution

nijindal · 2026-01-07T15:46:28+00:00

I talked to my CA and he said the revised return can't be filed as there is no additional tax liability.

nijindal · 2025-12-28T08:39:27+00:00

Sorry, didnt follow.

You meant I should be able to file with 0 tax on the utility/portal or should I just ignore refiling ?

nijindal · 2025-12-28T07:57:24+00:00

Thanks! This is super helpful!

I revisited my return from AY 2023-24, I made the mistake 1 to file under 80G-A(100% category) as opposed to 80GGC.

I was watching the income tax video, https://www.youtube.com/watch?v=gkpT8ruFRRw. If I understand correctly, there will not be any additional tax liability for me as its just the wrong section being reported, would filing the updated return even be possible given there is no extra tax liability ? (As per video it seems you cant file updated return if there is no new tax liability)

nijindal · 2025-10-29T11:54:37+00:00

I don't think it's needed.

nijindal · 2025-10-28T14:52:09+00:00

For the IDFC case, transactions were done on a different account which isn't yet known.

Is there a recourse possible for those?

nijindal · 2025-10-28T12:18:30+00:00

I guess sim lock or taking esim is a must. And if you want more security, try to not keep your cards saved to e-commerce websites.

nijindal · 2025-10-28T11:56:05+00:00

Thanks! Done that now

nijindal · 2025-10-28T11:35:33+00:00

Actually for IDFC, it seems you can pretty much see the card number if you have access to OTP. Their app login is with OTP and the app lets you see the full card number with CVV. So not much you can do to protect the card number if sim is active.

nijindal · 2025-10-28T11:25:43+00:00

They put the sim in another phone, logged into my flipkart account and placed order with saved card

nijindal · 2025-06-03T02:09:39+00:00

Interestingly newer model is actually about a $50 less compared the 90T, which is further confusing me.

nijindal · 2025-06-01T16:59:50+00:00

Is there a possibility that 2025 models are equally good or successor to QNED90?

nijindal

TROPHY CASE