u/Broad-Research5220

After five days without improvement, her doctor recommended that she be transferred to another hospital. She was transferred to CMRI. Approximately 16 hours later, she was dead.

Her son, Kousik Pal, refused to accept this as a simple tragedy and filed a complaint with two facts:

1. The ECHO and ECG that guided her treatment were performed by a doctor and a technician whose medical qualifications were not recognized by India’s medical regulatory bodies.
2. The doctor who wrote stable condition in the discharge summary later admitted to the health commission that it was not a mere clerical mistake.

The state health regulatory commission awarded the family ₹20 lakh in compensation, but the Calcutta HC later cancelled it, saying only medical councils can judge doctors’ qualifications or negligence. In December 2025, the Supreme Court stepped in and restored the compensation, delivering a landmark message for every patient in India.

The Supreme Court held that hospitals cannot hide behind the fact that no negligence was proven when they breach basic regulatory duties. If a hospital hires unqualified staff for critical tests or issues misleading discharge documents, it is legally liable for a deficiency in service.

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Don’t hesitate to ask, verify, and insist on it.

The new consent-based tenant screening service, launched by Etihad Credit Bureau in partnership with UAE PASS, allows homeowners to digitally request a tenant’s credit report before signing a lease agreement.

This is indeed good news, but I do have my share of skepticism or lack of clarity.

Common empanelment allows a hospital to empanel with all 32 IRDAI-registered insurance companies through a single digital process and one common agreement. It came at a moment when the relationship between large private hospitals and health insurers had visibly frayed.

I think the 10,000 applications are, in large part, from smaller and mid-sized hospitals, but the harder problem is the larger ones.

The standoff last year involved large corporate hospital chains. Common empanelment, with its standardised package rates, is the kind of framework that large hospitals with premium infrastructure will resist.

This is the fault line that common empanelment will eventually have to cross.

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The applications are an encouraging signal, as they tell us that the hospital ecosystem is ready for a simpler and more predictable relationship with the insurance industry.

Up until now, the decumulation phase was a frustrating mess of forced annuities and lump-sum management.

The regulator has introduced a structured retirement income scheme (RIS) alongside SWP-like drawdown options designed to keep your money invested and growing after you retire.

Subscribers can choose the default systematic payout rate (SPR) method.

One of the biggest dilemmas for retirees was what to do with the money remaining inside the NPS during the drawdown phase.

PFRDA’s solution is RIS Steady, a specialized lifecycle fund built exclusively for the retirement phase:

1. At Age 60, the equity exposure is locked at 35%.

2. From age 60 to 75, the equity allocation automatically glides down every year.

3. From age 75 to 85, the equity exposure hits a floor of 10% and remains constant.

This is what a recent paper on SSRN has to say, but I think their arguments are flawed.

The paper's entire premise is based on an observation that the asset with a higher expected return has, on average, a higher realized return over long horizons, but I believe that a diversified portfolio has a higher unconditional expected return than 100% stocks.

I choose diversification because it offers a higher return for the risk taken. Going 100% into a single asset class because it has the highest raw return makes me ignore my principle that one should build the highest return-for-risk portfolio.

This is what a recent paper on SSRN has to say, but I think their arguments are flawed.

The paper's entire premise is based on an observation that the asset with a higher expected return has, on average, a higher realized return over long horizons, but I believe that a diversified portfolio has a higher unconditional expected return than 100% stocks.

I choose diversification because it offers a higher return for the risk taken. Going 100% into a single asset class because it has the highest raw return makes me ignore my principle that one should build the highest return-for-risk portfolio.

The empowered committee (chaired by retired Justice M M Kumar) has declared that prior written approval from the panel is strictly mandatory for:

1. Any sale, transfer, or assignment.

2. Conveyance or creation of any third-party rights.

This applies to all residential units, offices, studios, commercial spaces, and shops within the project.

Any past resolution passed by Supertech's Board of Directors authorizing the sale/transfer of units is null and void with effect from December 16, 2025.

Any transaction done without the panel’s explicit green light will be treated as null and void ab initio.

If you enter an unauthorized deal, you do it at your own risk. No right, title, interest, or legal claim will be enforceable against the project, developer, or any authority.

The empowered committee (chaired by retired Justice M M Kumar) has declared that prior written approval from the panel is strictly mandatory for:

1. Any sale, transfer, or assignment.

2. Conveyance or creation of any third-party rights.

This applies to all residential units, offices, studios, commercial spaces, and shops within the project.

Any past resolution passed by Supertech's Board of Directors authorizing the sale/transfer of units is null and void with effect from December 16, 2025.

Any transaction done without the panel’s explicit green light will be treated as null and void ab initio.

If you enter an unauthorized deal, you do it at your own risk. No right, title, interest, or legal claim will be enforceable against the project, developer, or any authority.

In 2024, WebVeda did ₹9.56 crore in sales, and if I accept his 100 Cr number on face value, one thing is for sure, the business was in decline.

His courses are in a category that AI has commoditised almost overnight. The content Warikoo was charging ₹1,799-₹5,000 per course for is now available through a conversation with Claude or ChatGPT, often better personalised, and free.

Indian edtech investment crashed from a peak of $4.3 billion in 2021 to just around $156.7 million by 2025, a more than 20X crash in four years.

His courses were always riding on one asset - HIM

His face, his story, and his credibility. That's a brilliant distribution moat until the day it isn't, because: (a) you can't scale yourself, and (b) when AI can deliver the same information without the attachment, the conversion rate on courses will drop.

In 2024, WebVeda did ₹9.56 crore in sales, and if I accept his 100 Cr number on face value, one thing is for sure, the business was in decline.

His courses are in a category that AI has commoditised almost overnight. The content Warikoo was charging ₹1,799-₹5,000 per course for is now available through a conversation with Claude or ChatGPT, often better personalised, and free.

Indian edtech investment crashed from a peak of $4.3 billion in 2021 to just around $156.7 million by 2025, a more than 20X crash in four years.

His courses were always riding on one asset - HIM

His face, his story, and his credibility. That's a brilliant distribution moat until the day it isn't, because: (a) you can't scale yourself, and (b) when AI can deliver the same information without the attachment, the conversion rate on courses will drop.

There is no fuel shortage in the country and no plan to introduce rationing of petrol, diesel, or LPG.

There is no need to panic. There are sufficient supplies.

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Source

The new name, polyendocrine metabolic ovarian syndrome, or PMOS, was chosen by a global coalition of patients, ‌clinicians, and medical organizations ⁠to better reflect the condition's wide-ranging hormonal and metabolic impacts.

The name ​polycystic ovary syndrome often leads women and their clinicians to mistakenly associate it with ovarian cysts, which are not necessarily present in every patient.

The focus on ⁠ovarian cysts has led to delays in diagnoses and fragmented ​care, while the new name aims to improve how ​the condition is detected, treated, and explained.

Symptoms of PMOS include irregular or absent menstrual cycles, infertility, pregnancy complications, excess hair growth, acne, anxiety ​and depression, ​weight gain, obesity, diabetes, and ⁠other disturbances in insulin, and cardiovascular disease.

In the ovaries, rather than cysts, women often have an excess of so-called antral follicles. The condition is not curable, but symptoms are treatable with medications and changes in diet and exercise.

Source

https://preview.redd.it/jm8iu35s311h1.png?width=686&format=png&auto=webp&s=c0a37336a1596655bb3ed606dcd8753a1abef4a6

The new name, polyendocrine metabolic ovarian syndrome, or PMOS, was chosen by a global coalition of patients, ‌clinicians, and medical organizations ⁠to better reflect the condition's wide-ranging hormonal and metabolic impacts.

The name ​polycystic ovary syndrome often leads women and their clinicians to mistakenly associate it with ovarian cysts, which are not necessarily present in every patient.

The focus on ⁠ovarian cysts has led to delays in diagnoses and fragmented ​care, while the new name aims to improve how ​the condition is detected, treated, and explained.

Symptoms of PMOS include irregular or absent menstrual cycles, infertility, pregnancy complications, excess hair growth, acne, anxiety ​and depression, ​weight gain, obesity, diabetes, and ⁠other disturbances in insulin, and cardiovascular disease.

In the ovaries, rather than cysts, women often have an excess of so-called antral follicles. The condition is not curable, but symptoms are treatable with medications and changes in diet and exercise.

https://preview.redd.it/wj7hg5r8311h1.png?width=686&format=png&auto=webp&s=34183dc8d1c6e1456a8584603d5b661c8790305f

India's health insurance industry is losing up to ₹10,000 crore every year to fraud, waste, and abuse through scams. The average claim size has jumped 40% in just five years.

Industry estimates suggest that 15% of health insurance claims in India contain some element of fraud, and yet, the problem keeps growing.  Health insurance claims worth ₹26,000 crore were disallowed and repudiated by insurers in the year ending March 2024.

RailTel will build and deploy an AI/ML-based solution specifically designed for the monitoring and investigation of fraud, waste, and abuse related to health insurance claims for NIA.

New India Assurance is India's largest general insurer by premium income, and health insurance is now the single largest segment within non-life insurance in India. For an insurer of New India's scale, even a 1% reduction in fraudulent payouts translates to hundreds of crores saved.

If AI catches fraud effectively, the claims leakage that drives up premiums will be plugged. Honest policyholders will stop cross-subsidising dishonest ones.

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