How do you manage financial security without health and life insurance in India?

Assalamu Alaikum everyone,

write I'm a young working professional in India, currently earning around ₹26,000 per month.

I've been thinking seriously about financial security, particularly health insurance and life insurance, but I'm also trying to understand the Islamic perspective on conventional insurance.

My situation:

* Monthly income: ₹26,000

* Early in my career, with limited savings.

* I don't have substantial financial backing to handle a major medical emergency independently.

* I'm trying to balance saving money, supporting family, and building financial stability.

I've been exploring health insurance policies, and some basic plans cost approximately ₹10,000 annually.

That's roughly ₹833 per month, which is manageable if planned properly, but it's still a significant expense at my current income.

**My concern is this:**

A single hospitalisation could potentially wipe out whatever savings I've accumulated over several months or even years.

At the same time, I want to avoid engaging in something that goes against my understanding of Islam.

I'd particularly like to understand:

  1. For Muslims who avoid conventional health and life insurance, how do you practically manage medical emergencies?

  2. Are there Shariah-compliant alternatives available in India?

  3. How do you evaluate conventional health insurance from an Islamic perspective, particularly when there are no easily accessible alternatives?

  4. Would spending ₹10,000 annually on health insurance be a reasonable financial decision for someone earning ₹26k/month?

  5. What about life insurance? Is it necessary when you're young and don't have financial dependents?

I'm not looking for a debate. I'd genuinely appreciate perspectives from people who have faced this situation, especially working professionals in India.

JazakAllah Khair.

reddit.com
u/No-Scar2928 — 11 days ago

small doubt regarding training

in the laptops they provide

can I visit and use any website

like leetcode gfg codeforces

any streaming platform like jio hotstar??

reddit.com
u/No-Scar2928 — 25 days ago

Are joining numbers gradually reduced??

this month many guys got joining as any other month, but I'm not seeing any updates/more guys coming forward and explaining that they got joining

are people avoiding telling because they are bombarded with questions??

ive seen just 10 guys altogether in whats app groups and reddit

any number in mind guys ??

reddit.com
u/No-Scar2928 — 1 month ago

Guidance on Learning SAP and Choosing the Right Developer Certification Before Joining LTIMindtree

I’m a 2026 graduate and I’m currently waiting for my joining at LTIMindtree as a Graduate Engineer Trainee (GET). In the meantime, I want to use this time to learn SAP and pursue an SAP certification related to software development.

I have worked across multiple technical domains and projects, but I’m still not clear about what SAP actually is, how SAP development works, and which SAP technologies or modules I should focus on.

reddit.com
u/No-Scar2928 — 1 month ago

LTM 4 LPA : Don’t Stop Looking

I've been waiting for LTIMindtree joining as well, and recently I've been speaking to a lot of seniors from my college who have already joined.

The situation honestly doesn't look great.

In some cases, people have reportedly spent close to a year on the bench before getting allocated to a project. And even after allocation, there seems to be no guarantee about the kind of work you'll get — it could be a decent development project, or it could be a NAS/support-type project. The package also remains the same 4 LPA.

So, this is mainly for everyone who is still waiting for joining, especially those holding the 4 LPA offer: please don't stop applying for better opportunities.

I'm not saying don't join LTIMindtree if it's your only option. But don't sit and wait assuming everything will automatically work out. Keep applying, keep interviewing, and try to secure something better.

Just sharing what I've learned from seniors. If anyone currently working at LTIMindtree has a different experience or additional information, feel free to share it.

reddit.com
u/No-Scar2928 — 1 month ago

Need some advice on how to reach 8–10 LPA in my first switch

Hey everyone,

Unfortunately, I wasn’t able to clear the Infosys DSE/SP test, which was basically my last major opportunity in this placement season.

So, for now, my 2026 placement season ends with an offer of 4 LPA as a Graduate Engineer Trainee.

Obviously, I’m pretty disappointed. I had hoped to start my career somewhere around the 6–10 LPA range, and it honestly feels bad seeing the placement season end like this after all the preparation.

But I also don’t want to sit around feeling sorry for myself. I want to use this as a starting point and figure out how to make the best possible move from here.

My goal is relatively simple:

Start at 4 LPA → gain solid experience → make my first switch to around 8–10 LPA.

I’m not expecting some crazy 20–30 LPA jump immediately. Even getting into the 8–10 LPA range on my first switch would be a huge win for me.

For people who have already made a similar jump:

  • What skills should I focus on during my first 1–2 years?
  • Should I prioritize DSA, development, cloud, DevOps, AI/ML, system design, or something else?
  • How much DSA is actually necessary for an 8–10 LPA switch?
  • How early should I start applying/interviewing?
  • What kind of projects or work experience actually matter to recruiters?
  • Is it realistic to go from 4 LPA → 8–10 LPA in the first switch?
  • What would you do if you were starting from my position?

I have a CS/Data Science background and have worked with things like Python, C++, JavaScript, React, Node.js, SQL, ML/AI, etc., but I know having a long skill list isn't the same as being genuinely good at something.

So I'm looking for practical advice from people who have actually made the transition, rather than generic "just learn DSA and build projects" advice.

If you started around 3–5 LPA and eventually made a decent first switch, I'd really appreciate hearing about your journey—what you learned, how long it took, what mistakes you made, and what you would do differently.

Right now I'm disappointed, but I don't want this to define my career.

If 4 LPA is where I start, I want to make sure it isn't where I stay.

Any advice, roadmap, resources, or personal experiences would genuinely help. Thanks.

reddit.com
u/No-Scar2928 — 2 months ago

how tf is this.....

So I was trying to book a ticket for Toxic and then I went through some other theaters. Then I found the theater of Rajyugaraj G3 very suspicious. Like for the first four days, all the initial tickets are booked. Also I find that the service sucks. Like once I went for DC, I knew that upper rows were empty, okay? Then I went to watch a movie, 6:30 show, and I just told him that I want to watch DC. He directly booked me I.

Like I, you know how low I is. I had to squint my eyes in order to watch the show. After a long time, I felt a pain in my eyes after watching a movie in theater. That close he gave the seat to me. Like can anyone explain and give their reviews about Rajyugaraj G3?

u/No-Scar2928 — 2 months ago
▲ 102 r/moctale

when you are struggling in life , but comicverse keeps making amazing videos on dooms day

u/No-Scar2928 — 2 months ago

Guys I need help

I gave the Infosys Freshers Recruitment online test on August 2nd after receiving the credentials email. It’s August 17th now, but I haven’t received any update regarding the next round.

Has anyone else who took the test around the same time received a response? Is there still a chance of getting shortlisted, or should I consider it unlikely at this point?

reddit.com
u/No-Scar2928 — 2 months ago

NATS Portal — No state/city option for 10+2 schooling completed abroad (NRI student)

Hi all, my friend is an Indian NRI who completed his 10+2 outside India. While filling the NATS portal, the state/city dropdown for 10+2 details only has Indian states/cities listed — there's no option for schooling done abroad.

Has anyone else run into this? How did you fill this field, or who did you contact to get it resolved? Any helpdesk email/number that actually got a response would help a lot.

Thanks in advance!

reddit.com
u/No-Scar2928 — 2 months ago

How do you switch jobs when your current company has a 2-month notice period but your new employer expects you to join within a month?

I'm a fresher currently working at a small remote company because my other offer from a large IT company has been delayed for months (their onboarding is extremely late).

My current company has a 2-month notice period. If the large company finally gives me a joining date and expects me to join within 15 days, what should I do?

Has anyone successfully negotiated a later joining date or gotten an early release from their current company? I'd love to hear your experience.

reddit.com
u/No-Scar2928 — 2 months ago

Is it realistic to go from a 2.4 LPA base to a 12 LPA base within 2 years while working at a small remote company?

I'm a fresh graduate who recently joined a small remote company with a 2.4 LPA base salary. The work is real software development—building features, fixing bugs, and learning every day.

My goal is to reach around 12 LPA within the next 2 years by improving my development skills, grinding DSA, building strong projects, and switching companies when I'm ready.

I know the current market is tough, so I'm curious if this is actually realistic.

Has anyone here made a similar jump from a small company? If yes, what helped you the most, and what should I focus on to maximize my chances?

reddit.com
u/No-Scar2928 — 2 months ago

Is it realistic to go from a 2.4 LPA base to a 12 LPA base within 2 years while working at a small remote company?

I'm a fresh graduate who recently joined a small remote company with a 2.4 LPA base salary. The work is real software development—building features, fixing bugs, and learning every day.

My goal is to reach around 12 LPA within the next 2 years by improving my development skills, grinding DSA, building strong projects, and switching companies when I'm ready.

I know the current market is tough, so I'm curious if this is actually realistic.

Has anyone here made a similar jump from a small company? If yes, what helped you the most, and what should I focus on to maximize my chances?

reddit.com
u/No-Scar2928 — 2 months ago

How do you switch jobs when your current company has a 2-month notice period but your new employer expects you to join within a month?

I'm currently working at a small remote company where I'm getting real development experience. I also have an offer from a large IT company, but the joining date keeps getting delayed.

My current company has a 2-month notice period. If the big company finally gives me a joining date and expects me to join within 15 days, what would be the best way to handle it?

Has anyone been in a similar situation? Were you able to negotiate the joining date, get your notice period reduced, or did your company agree to an early release? I'd love to hear how you managed it.

reddit.com
u/No-Scar2928 — 2 months ago

Confused between a low-pay real coding job vs a high-pay "trainee" job with unknown work — need opinions

I'm a fresh graduate and stuck between two offers.

Job A: Small remote company, ₹2.4 LPA(base - 20kpm). I get to do real development (bugs + features) from day one and save most of my salary.

Job B: Big IT company, ₹4 LPA (base 28kpm). But I'd have to relocate, go through training, and then get randomly assigned to a team. It could be development, support, or even months on the bench. The bigger issue is that the joining date keeps getting delayed and might not happen until April 2027.

My long-term goal is either:

- MS abroad in 1–2 years, or

- Stay in India and switch to a ~10 LPA software role.

For both paths, I feel like real development experience from Job A is valuable. Job B gives me a bigger company name and higher salary, but only if I actually get a development role.

I'm currently working at Job A. If I eventually get a joining date for Job B, should I switch or stay where I am?

reddit.com
u/No-Scar2928 — 2 months ago

Is it realistic to go from a 2.4 LPA base to a 12 LPA base within 2 years while working at a small remote company?

I'm a fresh graduate who recently joined a small remote company with a 2.4 LPA base salary. The work is real software development—building features, fixing bugs, and learning every day.

My goal is to reach around 12 LPA within the next 2 years by improving my development skills, grinding DSA, building strong projects, and switching companies when I'm ready.

I know the current market is tough, so I'm curious if this is actually realistic.

Has anyone here made a similar jump from a small company? If yes, what helped you the most, and what should I focus on to maximize my chances?

reddit.com
u/No-Scar2928 — 2 months ago

How do you switch jobs when your current company has a 2-month notice period but your new employer expects you to join within a month?

I'm currently working at a small remote company where I'm getting real development experience. I also have an offer from a large IT company, but the joining date keeps getting delayed.

My current company has a 2-month notice period. If the big company finally gives me a joining date and expects me to join within 15 days, what would be the best way to handle it?

Has anyone been in a similar situation? Were you able to negotiate the joining date, get your notice period reduced, or did your company agree to an early release? I'd love to hear how you managed it.

reddit.com
u/No-Scar2928 — 2 months ago

Confused between a low-pay real coding job vs a high-pay "trainee" job with unknown work — need opinions

I'm a fresh graduate and stuck between two offers.

Job A: Small remote company, ₹2.4 LPA(base - 20kpm). I get to do real development (bugs + features) from day one and save most of my salary.

Job B: Big IT company, ₹4 LPA (base 28kpm). But I'd have to relocate, go through training, and then get randomly assigned to a team. It could be development, support, or even months on the bench. The bigger issue is that the joining date keeps getting delayed and might not happen until April 2027.

My long-term goal is either:

- MS abroad in 1–2 years, or

- Stay in India and switch to a ~10 LPA software role.

For both paths, I feel like real development experience from Job A is valuable. Job B gives me a bigger company name and higher salary, but only if I actually get a development role.

I'm currently working at Job A. If I eventually get a joining date for Job B, should I switch or stay where I am?

reddit.com
u/No-Scar2928 — 2 months ago