▲ 38 r/bodypiercers
Now you can see clearly this was not transverse lobe
Everyone started bashing me when i told them that i got new type of piercing 😭
u/Knownassuraj — 1 day ago
u/Knownassuraj
r/delhimarketplace r/personalfinanceindia r/FinancialPlanning_Ind r/IndiaFinance r/IndianInvestment r/indiahealthinsurance r/curlsofindia_ r/bodypiercers r/CreditCardsIndia r/mutualfunds
▲ 25 r/curlsofindia_
By some glitch i ordered two😭 plz someone take it
Idk some glitch happened in myntra and i ended up paying for two , and received two , one is fully sealed i haven't opened yet ...you can take that I'll ship to your place just give me that amount and shipping amount.. dm if anyone needs this
u/Knownassuraj — 1 month ago
Need help with managing dad's salary
I need some financial advice regarding a short-term plan. I've been collecting my dad's salary(50k) and investing it in liquid debt funds for the past few months, as we need the money by February or March next year for house construction. My current in-hand salary of 55k will also be directed towards this. I currently have about 1 lakh in a Slice savings account and 1.5 lakhs in liquid mutual funds on Groww. How should I best manage these funds to ensure safety and liquidity for the construction?
As my dad not lives here with us he's in foreign country so we don't use that Money totally we keep that money Fully seperated , also bu this year end I'm thinking to buy myself a camera hopefully if everything aligns on it's position, help me with that
u/Knownassuraj — 1 month ago
▲ 2 r/IndiaFinance
need help in buying my first health insurance
19M, Delhi, no PED — which individual health insurance should I buy? Need help choosing plan + sum insured
Looking to buy my first individual health insurance. Here are my details:
- Age: 19, male
- Location: Delhi
- Health: No pre-existing conditions, no family history of major illness
- Employment: No employer cover, currently working decent salary
- Dependents: None right now, may add parents separately later , confused between getting a individual plan vs getting a family floater one (read alot about getting individual only for now , open to discussion)
- Budget: Flexible, optimizing for value not cheapest premium
- i was thinking of my budget to be good value as of now cz i've never been to hospital till now as of the daily routine and okayish lifestyle so please suggest keeping that in mind too
What I want in the plan (non-negotiable):
No room rent limit, no co-pay, zero disease-wise sub-limits, restoration benefit, cashless network strength, CSR 95%+, ICR between 50-90%, PED waiting period ≤3 years, pre/post hospitalization covered, daycare covered, in-house claims settlement preferred over TPA
My questions:
- Sum insured —How much to get in Delhi? i'll leave this city soon probably shift to newer metro city only , Is super top-up a smarter play than going straight to any base?
- Which plan —
- Individual vs family floater — went with individual since parents would inflate premium and share the pool. Is this the right call long term?
- Buying channel — Ditto vs Beshak vs direct insurer — any difference in claim support experience?
Not looking for generic advice, want actual experience from people who've claimed or compared these recently. Thanks.
u/Knownassuraj — 2 months ago
need help in buying my first health insurance
19M, Delhi, no PED — which individual health insurance should I buy? Need help choosing plan + sum insured
Looking to buy my first individual health insurance. Here are my details:
- Age: 19, male
- Location: Delhi
- Health: No pre-existing conditions, no family history of major illness
- Employment: No employer cover, currently working decent salary
- Dependents: None right now, may add parents separately later , confused between getting a individual plan vs getting a family floater one (read alot about getting individual only for now , open to discussion)
- Budget: Flexible, optimizing for value not cheapest premium
- i was thinking of my budget to be good value as of now cz i've never been to hospital till now as of the daily routine and okayish lifestyle so please suggest keeping that in mind too
What I want in the plan (non-negotiable):
No room rent limit, no co-pay, zero disease-wise sub-limits, restoration benefit, cashless network strength, CSR 95%+, ICR between 50-90%, PED waiting period ≤3 years, pre/post hospitalization covered, daycare covered, in-house claims settlement preferred over TPA
My questions:
- Sum insured —How much to get in Delhi? i'll leave this city soon probably shift to newer metro city only , Is super top-up a smarter play than going straight to any base?
- Which plan —
- Individual vs family floater — went with individual since parents would inflate premium and share the pool. Is this the right call long term?
- Buying channel — Ditto vs Beshak vs direct insurer — any difference in claim support experience?
Not looking for generic advice, want actual experience from people who've claimed or compared these recently. Thanks.
u/Knownassuraj — 2 months ago
need help in buying my first health insurance
19M, Delhi, no PED — which individual health insurance should I buy? Need help choosing plan + sum insured
Looking to buy my first individual health insurance. Here are my details:
- Age: 19, male
- Location: Delhi
- Health: No pre-existing conditions, no family history of major illness
- Employment: No employer cover, currently working decent salary
- Dependents: None right now, may add parents separately later , confused between getting a individual plan vs getting a family floater one (read alot about getting individual only for now , open to discussion)
- Budget: Flexible, optimizing for value not cheapest premium
- i was thinking of my budget to be good value as of now cz i've never been to hospital till now as of the daily routine and okayish lifestyle so please suggest keeping that in mind too
What I want in the plan (non-negotiable):
No room rent limit, no co-pay, zero disease-wise sub-limits, restoration benefit, cashless network strength, CSR 95%+, ICR between 50-90%, PED waiting period ≤3 years, pre/post hospitalization covered, daycare covered, in-house claims settlement preferred over TPA
My questions:
- Sum insured —How much to get in Delhi? i'll leave this city soon probably shift to newer metro city only , Is super top-up a smarter play than going straight to any base?
- Which plan —
- Individual vs family floater — went with individual since parents would inflate premium and share the pool. Is this the right call long term?
- Buying channel — Ditto vs Beshak vs direct insurer — any difference in claim support experience?
Not looking for generic advice, want actual experience from people who've claimed or compared these recently. Thanks.
u/Knownassuraj — 2 months ago
need help in buying my first health insurance
19M, Delhi, no PED — which individual health insurance should I buy? Need help choosing plan + sum insured
Looking to buy my first individual health insurance. Here are my details:
- Age: 19, male
- Location: Delhi
- Health: No pre-existing conditions, no family history of major illness
- Employment: No employer cover, currently working decent salary
- Dependents: None right now, may add parents separately later , confused between getting a individual plan vs getting a family floater one (read alot about getting individual only for now , open to discussion)
- Budget: Flexible, optimizing for value not cheapest premium
- i was thinking of my budget to be good value as of now cz i've never been to hospital till now as of the daily routine and okayish lifestyle so please suggest keeping that in mind too
What I want in the plan (non-negotiable):
No room rent limit, no co-pay, zero disease-wise sub-limits, restoration benefit, cashless network strength, CSR 95%+, ICR between 50-90%, PED waiting period ≤3 years, pre/post hospitalization covered, daycare covered, in-house claims settlement preferred over TPA
My questions:
- Sum insured —How much to get in Delhi? i'll leave this city soon probably shift to newer metro city only , Is super top-up a smarter play than going straight to any base?
- Which plan —
- Individual vs family floater — went with individual since parents would inflate premium and share the pool. Is this the right call long term?
- Buying channel — Ditto vs Beshak vs direct insurer — any difference in claim support experience?
Not looking for generic advice, want actual experience from people who've claimed or compared these recently. Thanks.
u/Knownassuraj — 2 months ago
help me choose one
Looking for a second credit card — IDFC Wealth or something else?
Currently have an Axis ACE card but it's being used by a family member for an ongoing EMI so it's basically blocked for me right now.
My situation:
- Have my own IDFC First savings account with ₹3L+ balance parked in it (dad transfers money here regularly)
- Salary is modest right now but getting a decent hike in July
- Planning to buy an iPhone 16 or 17 on no-cost EMI sometime after July
- Budget around ₹75-80K for the phone
- Primary use will be everyday spends — food, shopping, UPI — not heavy travel or fuel
I was looking at the IDFC First lineup and FIRST Wealth seemed like the best fit given my banking relationship with them — lifetime free, lounge access, Buy1Get1 movies, and with ₹3L+ balance I'm hoping for a decent limit (₹80K+) which would also cover the phone EMI.
Post July I'm also planning to apply for Axis Privilege once the hike reflects.
Questions:
Is IDFC First Wealth the right call given my situation or should I be looking at something else?
Does a high savings balance actually help get a better limit on IDFC cards?
Any better two-card combo suggestions for someone in their early career?
even if im not using for phone buying im thinking of getting the CC so in future i can use;)
Thanks in advance!
u/Knownassuraj — 2 months ago
Overwhelmed by so much data
Just needed help regarding health insurance. Im M19 earning decent money rn and thinking of getting health insurance but i get so many companies and all .. it makes me confuse .. I'm healthy, I've a good lifestyle.. Haven't visited hospital till date but still as I'm looking for a decent health insurance.. i was thinking of getting mine first then my family later
My 2 sisters(23,26) they also needed that
Main thing for my mother her collar bone got fractured last year and now doctor suggesting to operate it again idk how that thing will proceed, also her ankle got fractured which is due till now that needs to be operated too .. correct me if im wrong here ..but AFAIK this all needs to be get done from my end afterwards health insurance will handle that ... But i need to take care of that too so for now I'm thinking to get mine first then take my whole family's insurance one by one .. suggest a good platform(no policy bazar, they really jam my head with spams)
You can ask me more I'll be happy to answer :)
u/Knownassuraj — 3 months ago