Wrichik Basu
IIIndia Investments
•Created by Wrichik Basu on 12/6/2024 in #ask-anything
Wrichik Basu (ping on reply pls) - I have a que...
Yep, sure.
17 replies
IIIndia Investments
•Created by Wrichik Basu on 12/6/2024 in #ask-anything
Wrichik Basu (ping on reply pls) - I have a que...
But that will result in a loading added to the premium from day one, right? I (24M) have hypertension and dyslipidaemia; mother (51) has HTN + dyslipidaemia + hypothyroid.
17 replies
IIIndia Investments
•Created by Wrichik Basu on 12/6/2024 in #ask-anything
Wrichik Basu (ping on reply pls) - I have a que...
I would have honestly moved over to another company; Royal Sundaram's customer service is s**t. But our pre-existing diseases make it risky to go without any actual coverage for four years. And the previous policy was some kind of group policy that my father had bought. So nobody wanted to port it. Had checked with HDFC and Aditya Birla.
17 replies
IIIndia Investments
•Created by Wrichik Basu on 12/6/2024 in #ask-anything
Wrichik Basu (ping on reply pls) - I have a que...
My policy is actually a migrated policy from another product of Royal Sundaram which they discontinued last year. I have to check with them if they will allow me to buy the add-ons.
17 replies
IIIndia Investments
•Created by Wrichik Basu on 12/6/2024 in #ask-anything
Wrichik Basu (ping on reply pls) - I have a que...
Interesting. So IRDAI says that hospitals shouldn't bill these to policyholders, but in practice, that works only if I buy the add-ons. Nice. The policy is Royal Sundaram Lifeline Supreme with an SI of 5L.
17 replies
IIIndia Investments
•Created by Wrichik Basu on 12/6/2024 in #ask-anything
Wrichik Basu (ping on reply pls) - I have a que...
...contd
If the hospital separately mentions items in lists II, III and IV, and charges them in excess of the surgery and OT charges, and consequently the insurance declines to pay for them, who is liable to be prosecuted? The hospital, because they didn't follow the IRDAI circular, the insurance company, or both? My insurance Terms and conditions only mentions that items in List I are not payable; they have also mentioned lists II, III and IV in the annexure, but without any reference to them in the rest of the policy.
17 replies
IIIndia Investments
•Created by Wrichik Basu on 10/8/2024 in #ask-anything
Wrichik Basu (ping on reply pls) - Need some ad...
I read somewhere that invoices > ₹5k need a revenue stamp, and it has to be crossed out after sticking so that it is not used anywhere else. So I just cross-signed on it. Not sure if that is the formal way, but hope it will be accepted in Court if needed.
5 replies
IIIndia Investments
•Created by Wrichik Basu on 10/8/2024 in #ask-anything
Wrichik Basu (ping on reply pls) - Need some ad...
I am receiving the payment from an overseas client, so I have to do something that is accepted nationally.
5 replies
IIIndia Investments
•Created by Wrichik Basu on 7/20/2024 in #ask-anything
Wrichik Basu (ping on reply pls) - Could someon...
Will check them out, thanks!
14 replies
IIIndia Investments
•Created by Wrichik Basu on 7/20/2024 in #ask-anything
Wrichik Basu (ping on reply pls) - Could someon...
Yep, received ₹5,86,763.
14 replies
IIIndia Investments
•Created by Wrichik Basu on 7/20/2024 in #ask-anything
Wrichik Basu (ping on reply pls) - Could someon...
Thanks for the explanation! Let me liquidate it.
14 replies
IIIndia Investments
•Created by Wrichik Basu on 7/20/2024 in #ask-anything
Wrichik Basu (ping on reply pls) - Could someon...
From the AIS of the last two fiscal years, I can see that HDFC has reported FD interest of ₹59,346. This is till March 2024. The FD itself is monthly-paying. Adding the amounts received from April - July this FY, the total comes to ₹70k. This is what I have received till date from this FD.
14 replies
IIIndia Investments
•Created by Wrichik Basu on 7/20/2024 in #ask-anything
Wrichik Basu (ping on reply pls) - Could someon...
14 replies
IIIndia Investments
•Created by Wrichik Basu on 7/20/2024 in #ask-anything
Wrichik Basu (ping on reply pls) - Could someon...
But if they have already paid the interest, they have to deduct the excess from somewhere. I guess they deduct it from the savings account itself.
14 replies