Ensure that all family members’ needs are covered in the health plan. Choose a family floater health policy instead of individual health plans. In the former, there are no sub-limits member-wise. As against this, in individual plans, the amount available to the family member will be restricted to the cover available to him specifically. If you already have a health plan, review it to ensure that you have adequate cover for yourself and your family members (at least Rs 1 lakh cover per family member). Add a critical illness rider to your plan. In case of critical illness, once the illness is diagnosed, the insurance company pays out the claim amount irrespective of whether treatment/hospitalisation is needed or not. Choose a health plan which offers lifelong renewability. Make sure the health plan’s network of hospitals and doctors includes your preferences. Select an insurance company which pays out a higher number of claims; also select a cashless claims policy (the … [Read more...] about 3 critical steps to take before you start investing
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When estimating your post-retirement expenses, do not forget to factor in cultural needs such as gifting. I remind many to factor in giving (charity) as well. So is the case with the cost of pursuing your hobbies. If you want to pursue any kind of entrepreneurial dream, build a corpus for it, so that such that the venture’s success or failure does not impact the security of your retirement. … [Read more...] about How much money do you really need to be financially independent?
The confirmed number of coronavirus cases in the world has reached 20 million, according to Johns Hopkins University tally. Health officials believe the actual number is much higher, given testing limitations and the fact that as many as 40 percent of all those who are infected have no symptoms. … [Read more...] about As infections surge, health experts say India to have most COVID-19 cases in world
The location of Mantralaya in the city makes it easy to escalate unfavourable decisions taken at lower levels to higher levels for review and a more favourable result. It is these factors that have convinced many urban thinkers to conclude that structural conditions for more inclusive development requires the prevention of the collusion of interests between business and government. Unfortunately, Mumbai nurtures that culture. … [Read more...] about Seven reasons why Maharashtra should have a new capital
VCs typically build and manage a portfolio as follows. Once you’ve pooled your limited partners to start a fund, you will invest in about 20 companies. You’re counting on maybe two of those to hit it out of the ballpark; those two alone should return the entire fund. Below them, you’d expect a pyramid: a couple more companies with nice but lesser returns and half that will either break even or fail. COVID has flattened that pyramid thinking. If just one of your top two is severely jeopardized, it means deep trouble. So we’re playing the game in a new way. … [Read more...] about How my VC fund is helping our companies survive the pandemic