u/Radiant_Purpose2628

My parents currently have a health insurance policy with ₹10 lakh coverage. The policy has been running continuously for around 4 years.

The premium has increased from around ₹30,000 last year to ₹40,000 this year.

Both my sister and I also have employer-provided health insurance that covers our parents:

My company: ₹5 lakh parental cover

Sister's company: ₹5 lakh parental cover

I also have the option to increase parental coverage under my company policy in April.

So I'm trying to decide whether it makes sense to continue paying ₹40k/year for the personal ₹10 lakh policy, especially since the premium has increased significantly, or whether I should rely on the two employer policies and increase my company coverage in April.

The personal policy has already been running for 4 years, so I'm also concerned about losing the continuity benefits/waiting periods if I stop renewing it.

Would appreciate advice from people who have experience managing health insurance for their parents.

I'm 30, been struggling for the past 3 years with focus and follow-through. Can't study for upskilling, keep delaying everything, procrastinate heavily on personal goals.

But weirdly I'm completely regular with gym and somehow manage to cover my work tasks before sprint deadlines. It's specifically self-directed goals where I completely fall apart.

Went to a Sr. Neuro-Psychiatrist today at a private clinic. He did a clinical interview, suspects Adult ADHD, and prescribed: Axepta 18mg (Atomoxetine) Flunil (Fluvoxamine) 10mg For 5 days trial first, then follow up. He's also asked me to get psychometric assessments done -:HAMA, HAMD, and ADHD Behavioural Questionnaire — which are costing ₹5k at his clinic.

My questions: 1)Does this presentation actually sound like Adult ADHD or could it be something else

2)Is the prescribed combination reasonable for a first timer? 3)Are the psychometric tests worth ₹5k ?