u/Salty_Ad_7567

I’m joining TCS Prime soon and wanted to know the typical ILP duration for Prime candidates in Hyderabad/other locations.

Is it usually:

• 1 month?
• 2 months?
• more?

Also:

• how difficult are the assessments?
• are Prime batches tougher than Ninja?
• when do people usually get allocated to projects?
• does ILP duration depend on technology stack/project demand?

Would be helpful if recent joiners could share their experience.

My mother currently has:

• SBI General Sampoorna Arogya – Group
• ₹5L SI
• Continuous coverage since june 2022 (~ 4 years)
• SBI has issued continuity endorsement confirming no break in coverage.

I am trying to port to Care Supreme ₹10L.

Initially one Care agent told me only the latest year would be considered for continuity because current policy inception date shows 2025 after internal migration.

After multiple emails and sending all policy documents + SBI continuity endorsement, Care officials from official u/careinsurance.com IDs replied:

>

After multiple emails and sending all policy documents + SBI continuity endorsement, Care agents from official .careinsurance.com IDs replied saying:

• portability is allowed,
• continuity benefit of previous SI will be given,
• and acknowledged “4 years seniority from 2022.”

Now my understanding is:

• existing ₹5L should get continuity from 2022 for PED + specific illness waiting periods,
• additional ₹5L should get fresh waiting periods.

Does this sound correct as per standard portability rules?

Also:

• how reliable are such email confirmations if future claim disputes happen?
• once policy is issued with portability accepted, can insurer later deny continuity arbitrarily?
• anything specific I should verify in proposal form / issued policy document before payment?

Would appreciate advice from people who handled portability cases, especially from group policy → retail policy.

If I buy ₹5L base SI, HDFC gives Secure Benefit and doubles it to ₹10L from Day 1.

So practically:

5L + 5L = 10L

Then why do people still buy ₹10L base plans instead of just taking ₹5L?

Is there any actual disadvantage of:

• ₹5L base + Secure Benefit vs
• straight ₹10L base policy?

Does:

• restoration,
• NCB,
• portability,
• future upgrades,
• sublimits,
• claim settlement,
• or premium increase later

behave differently based on base SI?

I already have corporate insurance from TCS, so trying to understand if ₹5L Optima Secure is enough as a starter personal policy or if ₹10L base still makes more sense long term.

Hi everyone.
I mailed sbi cc customer care for considering my card to ltf to which they replied this to me.
Does that means they waive off my cc annual charges for sure ?
It has not charged yet but will get in this month statement.
should i close the card or believe them to waive off annual fee?

1/5/2026

Dear Ms. XXXXXXXX,

Thank you for writing to SBI Card.

This is with reference to your communication dated XX/04/2026.

With regard to your query, we wish to inform you that your SBI Card could not be a lifetime free card.

We would like to inform you that as on date no annual charges have been levied on your card. If the annual charges will be levied you may re-write us for the reversal and the same would be subject to approval.

Kindly rewrite us for the permanent closure, if you still want to close card.

Now get easy access to exclusive services & account information in just a few clicks. Visit SBI Card Website or download SBI Card Mobile App to access self-servicing options on the go!

If you are not satisfied with the response, Click here  to write to Nodal Officer, Customer Service and press Escalate button. You will receive a response within 5 days.

Yours sincerely,
XXXXXXXXXXXX
Customer Service Team – SBI Card

It's not showing No option for Are you currently Employed question in Other personal information page while registering. I have resigned from my previous job (cts) few days ago.

Is this Nsr mandatory to get jl?
does not doing this impact jl date?
Any body facing same issue?

https://preview.redd.it/o4382pqcn2yg1.png?width=1919&format=png&auto=webp&s=169806c033cf6bda2bc50504996d5936d4cc7bae