u/Feeling-Tadpole1062

Hello everyone ,

I have bought hdfc ergo health suraksha policy for my parents and using this from last 4 years, I have never claimed anything till now

Now today is the last date for policy renewal. I see that my policy has been migrated to optima restore and the premium is increased from 75k to 92k for every two years

When asked about the same on changing the policy or frequency of payment , they straight away declined saying it is not possible

I also have corporate insurance for my parents.

Is this premium justified when I already have corporate insurance , should I remove corporate insurance and just stay on this hdfc ergo policy ?

Would really appreciate any advice on this

I currently have an HDFC ERGO health suraksha family policy for my parents with total sum insured of 10 lakhs. The policy has been active for 4 years now and waiting periods are completed.
Father is 56 with diabetes. Mother is 46 with respiratory issues declared already.

Renewal premium is around 92k for 2 years forced migration to optima restore and HDFC ERGO says I cannot:

1. change premium payment frequency

2. migrate to Optima Secure

Apart from this, my company also offers a separate corporate health insurance for parents with 5 lakh coverage, but that costs me around 6k/month (~72k yearly).
Now I am confused whether keeping both makes financial sense because overall insurance cost is becoming very high.
Would you:

1. Continue both policies?

2. Keep only the HDFC ERGO policy?

3. Replace corporate cover with a super top-up?

Looking for practical advice from people handling parental insurance in similar age brackets.

My wife completed BDS recently.

During internship, she was unable to prepare seriously for MDS due to health issues related to Ankylosing Spondylitis.

She doesn’t want to stay dependent or limit herself to being a homemaker. She genuinely wants to build a career and contribute financially.

She is open to:
- Clinical dentistry
- Non-clinical healthcare roles
- MBA / hospital management
- Healthcare startups
- Business or entrepreneurship

We’re trying to make a long-term decision based on:
- Health sustainability
- Work-life balance
- Income growth
- Future family responsibilities

For people who have seen similar journeys:

1. Is MDS still worth pursuing in this situation?
2. Has anyone transitioned from BDS into MBA, consulting, product, hospital management, or business roles?
3. Which path has given the best long-term growth in India?

Would appreciate honest, practical advice.

Planning to book a Volkswagen Virtus GT Plus Sport DSG (Lava Blue) in Hyderabad.

Current dealer quote:

- Ex-showroom: ~₹19L
- Initial on-road: ~₹24L
- After discounts: ~₹22L
- With BH registration, OTR drops to ~₹18.5L

Wanted inputs from anyone who recently bought a Virtus GT Plus Sport in Hyderabad or Telangana

- Which dealer did you buy from?
- What was your final on-road price?
- How much discount did you manage?
- Any scope left on insurance, accessories, handling, EW package?
- With facelift rumors around the corner, should I push harder or is this already a solid deal?

Would really appreciate recent buyer experiences, negotiation tips, or references (DM also works).

I’m a husband, soon-to-be father, and I think I’ve entered work autopilot.

I work in a high-pressure team at my company where shipping fast is everything.

My wife is 7 months pregnant.

On Mother’s Day, I wished my mom… but I didn’t wish my wife.

She told me she feels lonely and unseen, and honestly that hit me hard.

I love her deeply. I’m not cheating, not avoiding home, not partying. I’m just mentally always “on”—work, deadlines, money, responsibility.

I’m scared I’m becoming emotionally unavailable without realizing it.

Men who’ve been through this:

How did you rewire yourself before the baby arrived?

What systems, habits, or mindset shifts actually worked?

tl;dr:

Sole earner. Wife is 7 months pregnant. I wished my mom on Mother’s Day but forgot my pregnant wife, and she told me she feels lonely and unseen. I love her deeply but I think work has pushed me into emotional autopilot. I want to fix this before the baby arrives.