u/EconomicsLeather574

Situation:
- Term plan for my father (58), issued 30/10/2024. I filled the e-application myself and answered No to every health question.
- He actually had hypertension, asthma (ongoing), fatty liver and a GI illness with 2 hospitalisations, plus smokeless tobacco quit about 12 years ago.
- Someone connected to the insurer advised us not to disclose. It was verbal and nothing is in writing.
- The insurer ran diagnostic tests at their centre and a tele-medical call, and my father gave a video consent.

What I understand so far: Under Section 45 of the Insurance Act, the insurer can challenge the policy only until 30/10/2027. After that it can't be questioned on any ground, as long as premiums are paid on time. Normal exclusions would still apply.

The three options I'm weighing:
1. Discontinue the policy. The cover ends, and a new policy at his age with these conditions would be costly or refused. I'm leaning against this.

2. Come clean. Correct the health details with the insurer in writing, possibly after a lawyer's advice. The risk is premium loading, an exclusion, or in the worst case cancellation.

3. Wait for the 3-year period to end. Keep paying premiums till 30/10/2027. The risk is a claim being investigated before then.

Questions:

1. Which would you pick, and why? Has anyone been through this?
2. Do the insurer's own tests and tele-medical help our case?
3. Can anyone recommend an insurance lawyer, with contact details, who has handleslife insurance repudiation or Section 45 cases and who can give me advice? Nagpur is best, but anywhere in India works, even remote consultations.

I'm not trying to hide anything, just looking for the safest legal way to fix this.

I’m currently rebuilding my fitness routine and looking for a smartwatch/fitness tracker mainly for accountability and tracking my progress.

My budget is ₹5–6K and I use an iPhone.

My main activities will be walking and cycling, and I’m also planning to add either badminton or gym/strength training soon.
My priorities:
• Accurate step and activity tracking — most important
• Good tracking for walking and cycling
• Badminton/gym workout tracking would be useful
• Built-in GPS would be great for cycling
• Comfortable enough to wear all day and while sleeping
• Should look good for everyday wear
• Decent heart-rate and sleep tracking
• Good battery life
• Reliable iPhone compatibility/syncing

I’m not expecting Apple Watch-level accuracy at this budget. I mainly want something that keeps my activity visible throughout the day and helps me stay accountable.

I’m considering CMF/Amazfit but completely open to other options.

For people who’ve actually used these watches with an iPhone, what would you recommend under ₹6K?

Hi everyone,
I’m looking for a good psychologist or therapist in Nagpur who has experience working with adults with ADHD.

I strongly suspect that I might have ADHD, and it has been affecting different areas of my life for quite some time. I’ve tried managing things on my own, but I now want to seek professional help, get properly assessed, and work on the issues I’m struggling with.

At this point, I’m primarily looking for therapy and professional guidance rather than medication, so I would prefer recommendations for a psychologist/therapist, ideally someone who has specific experience with adult ADHD.

I’d prefer offline, in-person sessions in Nagpur.
If you’ve personally consulted someone or know a psychologist who is genuinely good with adult ADHD, please share your recommendations and, if comfortable, your experience with them.
Thank you!