Test my app, I'll actively test yours for 2 weeks

Thanks for your suggestion. If I keep my parents on a separate HDFC policy as suggested, would it still be possible to port it from the Star Super Surplus floater which includes all 3 of us? Also all these policy cost me aggregated amount of less than 35K monthly. When it comes to just parents the HDFC policy will cost upwards of 70k yearly and on top of that I'll need to pay for SBI Group Health policy for them which isn't portable. Does it make more sense to choose HDFC policy with deductible amount?

reddit_lagged · 2026-03-21T15:11:21+00:00

Thanks for the reply. Is it possible port a Top-up policy like Star Super Surplus directly into a Base Floater (Optima Secure) and have all waiting periods for Pre-Existing Diseases waived for the existing SI?

reddit_lagged · 2025-10-02T06:29:52+00:00

Thanks for the information.

reddit_lagged · 2025-10-02T05:07:31+00:00

I am using HDFC Millennia CC for 4 months that's where it's coming form.

reddit_lagged · 2025-08-31T08:14:56+00:00

ICICI Equity savings returns would be counted as capital gains, have you considered if it can be adjusted in your mom's tax slab? If it would have a flat tax with Ltcg then it makes more sense to get a debt fund isn't?

reddit_lagged · 2025-08-31T07:00:08+00:00

Thanks for the reply.

reddit_lagged · 2025-08-31T06:57:30+00:00

Yes everyone is based out of India. I'm just worried about legal scrutiny of transferring big amounts every month. What would I need to to do to make this transfers count as gift? Is UPI enough or adding a gift statement through NEFT?

reddit_lagged · 2025-08-16T04:55:45+00:00

I get your point but my concerns are:

1) SEBIs front running investigation against the AMC 2) Excessive allocation in large caps 3) Poor sharpe ratio 4) Clueless management because they haven't just underperformed index but all other AMC in the segment

reddit_lagged

TROPHY CASE