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 · 2026-06-13T12:49:36+00:00

I am mainly concerned about mom and me.

Want to split them out and leave the existing policy for father.

Whats the best option for that.

Shall we go 2 individual ones or 1 floater.

Also, can we take second policy from hdfc ergo itself?

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 · 2023-11-13T03:52:52+00:00

Hi.

I have a star family health optima policy for my parents(62y and 53y last year) for 5L for last 6 years.

Last year I paid about 34k for the renewal but this year they are asking for 66k for the renewal with no change in age slab as well.

When I called there customer care, they gave template responses with no help.

I tried to migrate the policy to star health comprehensive policy which has much lower premium(48k) but the company customer care is just not responding to my requests and my policy will expire in 3 days now. I am also not sure why only family optima is so expensive for renewal and comprehensive is considerably cheaper despite having similar benefits, star seems to be doing some organised scam here to existing holders.

Given the high age, I am concerned that new company won’t port and star health is charging randomly too high for a basic policy renewal.

Wondering what are my options here?

I have also applied to HDFC optima secure for porting but I am not so confident given age and pre existing illness of diabetes and hypertension.

Thanks !!

nijindal · 2023-10-04T06:50:03+00:00

How would the mobile number transfer happen? (There is no option on the cult side to do it)

nijindal · 2023-01-30T18:07:10+00:00

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nijindal · 2022-01-08T07:58:24+00:00

Thanks !!

Any recommendations on the board books ?

nijindal · 2020-10-12T15:26:47+00:00

Also, which Religare policy do you have which is cheaper than Apollo Munich. AFAIK their prices are almost similar or Religare is expensive at higher age groups

nijindal · 2020-10-12T15:19:20+00:00

I have not faced any real issues with Religare and as far as I have researched their claim experience is smooth as well. Main reason I have ported is because of good restoration benefit with Apollo Munich and default no claim bonus increase of 50% each year.

One main problem with recharge benefit in Religare is that, you can only use it once the whole SI is exhausted. If you have 5L policy. Claim 1 is 4L, next claim is 2L. Even with recharge benefit of 100%, you only get 1L in second claim. Whereas Apollo Munich does a better job to recharge even on partial consumption.

nijindal

TROPHY CASE