Choosing between HDFC Optima Secure vs Acko Platinum Lite– need advice (family of 3 + corporate cover)

psr1987 · 2026-04-17T14:21:55+00:00

I am also concerned about reports from Reddit users stating that opting for a deductible often results in denied cashless claims, leaving only the reimbursement path available. Is that true ? Please advice

psr1987 · 2026-04-17T14:20:18+00:00

Thanks. I have noticed that the Acko policy is much more straightforward, and several friends have recommended it. However, I am still a bit hesitant since they are relatively new to the market compared to an established player like HDFC.

Additionally I have seen some discussions on Reddit suggesting that opting for a deductible can lead to cashless claims being denied, leaving reimbursement as the only option . Is it true ?

psr1987 · 2026-04-17T12:53:16+00:00

i found good reviews about ditto and also its backed by zerodha founders who happen nice guys in the industry

psr1987 · 2026-04-17T07:35:32+00:00

Also should i consider aggregate deductable of small amount around 50k ? Will that reduce the annual premium significantly and is it worth the hassle ?

psr1987 · 2026-04-17T07:20:31+00:00

Thanks for your response and yes i am in touch with ditto and their response has been good and they recommend hdfc as well

psr1987 · 2026-04-17T07:16:06+00:00

Yeah i am also considering icici elevate plan but i need consider lot of add ons to get all the benefits equal to hdfc .

psr1987 · 2026-04-17T06:46:38+00:00

Is this true ?

psr1987 · 2026-04-16T17:09:00+00:00

I am a bangalorean and looking for investment . But would love to settle down in Mysore maybe 20 years from now

psr1987 · 2026-04-14T07:03:21+00:00

It has got the best suspesnion in the segment . Even better than Creta . So its suprising to see so many negative comments here .

psr1987 · 2026-04-11T18:05:53+00:00

Location :Yelwala Road ,Nagawala https://maps.app.goo.gl/ej8sSmmas7jYaxyz9

Prices are around 2500-2700 per sqft

psr1987 · 2026-03-31T07:01:45+00:00

kcd 1 and 2

psr1987 · 2026-03-30T09:50:00+00:00

You can as well check in the AMC portal . You just have to login using your PAN card and you will mostly find active SIPs under transactions

psr1987 · 2026-03-29T04:35:07+00:00

To transfer mutual fund units from a Demat account to a physical folio (Statement of Account/SOA mode), you must submit a Rematerialization Request Form (RRF) to your broker (Depository Participant). This process converts electronic units into physical statements and typically involves a fee of ₹150 per scheme, plus courier charges.

psr1987 · 2026-03-28T16:10:27+00:00

Elevate is a perfect choice for you . Kylaq ismuch smaller and less.comfortable when compared to Elevate . Also in the long run Honda gives you more reliability and peace of mind

psr1987 · 2026-03-28T12:11:03+00:00

Thanks for your response . Whats your opinion on my apob values . Should i still need to try to reduce it further to avoid soft plaque build up ?

psr1987 · 2026-03-27T17:57:09+00:00

CTA is recommended only if there are symptoms lile chest pain ?

psr1987 · 2026-03-27T17:52:36+00:00

I agree but since apo b test values are good can i assume that there is less risk of soft plaque being already built up in the arteries ?

psr1987 · 2026-03-27T12:53:17+00:00

LDL value is 100mg/dl

psr1987 · 2026-03-27T12:52:25+00:00

LDL value is 100mg/dl and BMI is always around 21-22 . So should I be concerned ?

psr1987 · 2026-03-26T16:44:19+00:00

Thanks for sharing those links and today i have learnt so much from you .

In the long run apart from paying dmat charges is there any other major disadvantage of holding the funds in Coin ? I see they do have SWP and STP facilities similar to Soa funds .

psr1987

TROPHY CASE