You can get a ₹ 1 Crore health cover at just ₹ 10k p.a.🤯

No absurd assumptions or riders, promise🙏

Read on, I'll teach you how to get it 👇👇

And everything about Health Insurance 🤩

1/ Get a health cover of ₹10L and super top-up of ₹90L

Super top-up plans are generally less expensive

It offers financial relaxation when hospital bill crosses your base cover

But are such plans available at <10k pa for a 25 yo?🤔

Yes!🤩 Read to know more about riders👇
2/ How should I choose my insurance company?

Go to IRDAI's website and check for their Annual Report

See which all insurers have:

1. Claim Settlement Ratio of 90-95%+ AND
2. Incurred Claims Ratio of >70-75%

Choose any one of them!
3/ Room Rent Limit

This is a very important limit

If room rent limits get triggered,

you'll have to bear other expenses on pro-rated basis

e.g., Room Rent limit 3k, amount incurred 5k

Then you will have to bear other expenses also to the tune of 40% [(5k-3k)/5k]
4/ Co-Pay Limits

Co-pay is the share payable by the insured and insurer

Make sure you get 100% paid by the insurer

GOLD HACK: Unless, your parents' premium is too high, you can get 20% co-pay option and reduce it
5/ But my company has Health Insurance for me

I've seen how corporate plans are like

You will end up paying a good chunk from your pocket

Moreover, no one will take care of you / your family once you start-up

Or fall sick between joining one company and the other
6/ Why Health Insurance at all?

Good healthcare in unfortunately private in India, just like US

There is a famous saying in the US,

"You will have to sell yourself to get treated in America."

Healthcare inflation in India is 14% p.a.

GET ONE TODAY!!!
7/ Restoration Benefit

Say, you got ill once and bill was INR 8L

You get ill again, and the bill is 5L

Base cover was 10L and you don't have super-top up

Restoration benefit will save you here. It replenishes even if you exhaust it in the same year
8/ Buy it for 1 year or 3 years?

Because Medical inflation in India is increasing at 14% p.a.,

so will the premiums.

Lock lower premiums today, if your pocket allows!
----
More on Health Insurance for some other day
More exciting Personal Finance threads coming soon

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॥ॐ॥
अस्य श्री गायत्री ध्यान श्लोक:
(gAyatri dhyAna shlOka)
• This shloka to meditate personified form of वेदमाता गायत्री was given by Bhagwaan Brahma to Sage yAgnavalkya (याज्ञवल्क्य).

• 14th shloka of गायत्री कवचम् which is taken from वशिष्ठ संहिता, goes as follows..


• मुक्ता-विद्रुम-हेम-नील धवलच्छायैर्मुखस्त्रीक्षणै:।
muktA vidruma hEma nIla dhavalachhAyaiH mukhaistrlkShaNaiH.

• युक्तामिन्दुकला-निबद्धमुकुटां तत्वार्थवर्णात्मिकाम्॥
yuktAmindukalA nibaddha makutAm tatvArtha varNAtmikam.

• गायत्रीं वरदाभयाङ्कुश कशां शुभ्रं कपालं गदाम्।
gAyatrIm vardAbhayANkusha kashAm shubhram kapAlam gadAm.

• शंखं चक्रमथारविन्दयुगलं हस्तैर्वहन्ती भजै॥
shankham chakramathArvinda yugalam hastairvahantIm bhajE.

This shloka describes the form of वेदमाता गायत्री.

• It says, "She has five faces which shine with the colours of a Pearl 'मुक्ता', Coral 'विद्रुम', Gold 'हेम्', Sapphire 'नील्', & a Diamond 'धवलम्'.

• These five faces are symbolic of the five primordial elements called पञ्चमहाभूत:' which makes up the entire existence.

• These are the elements of SPACE, FIRE, WIND, EARTH & WATER.

• All these five faces shine with three eyes 'त्रिक्षणै:'.
I hate when I learn something new (to me) & stunning about the Jeff Epstein network (h/t MoodyKnowsNada.)

Where to begin?

So our new Secretary of State Anthony Blinken's stepfather, Samuel Pisar, was "longtime lawyer and confidant of...Robert Maxwell," Ghislaine Maxwell's Dad.


"Pisar was one of the last people to speak to Maxwell, by phone, probably an hour before the chairman of Mirror Group Newspapers fell off his luxury yacht the Lady Ghislaine on 5 November, 1991."
https://t.co/DAEgchNyTP


OK, so that's just a coincidence. Moving on, Anthony Blinken "attended the prestigious Dalton School in New York City"...wait, what? https://t.co/DnE6AvHmJg

Dalton School...Dalton School...rings a

Oh that's right.

The dad of the U.S. Attorney General under both George W. Bush & Donald Trump, William Barr, was headmaster of the Dalton School.

Donald Barr was also quite a


I'm not going to even mention that Blinken's stepdad Sam Pisar's name was in Epstein's "black book."

Lots of names in that book. I mean, for example, Cuomo, Trump, Clinton, Prince Andrew, Bill Cosby, Woody Allen - all in that book, and their reputations are spotless.