u/_Floydimus

This sub has a problem and we are not going to pretend otherwise.

The main feed became a queue of career asks from people who had not yet earned the right to ask. Not because asking is wrong. Because asking without contributing first is a one-way drain on the people whose answers make this sub worth visiting. Those people left. You noticed.

So we are trying something different.

THE QUALITY TOKEN

Contribute something real. Earn the right to ask.

Here is how it works:

Make a quality post that is NOT about career, job hunt, or hiring. If your post reaches 30 upvotes and 10 top-level comments within 7 days, you earn one Quality Token.

One Quality Token = one career-related post on the main feed.

When you use it, link your qualifying post in the career post.

That is the verification. No link, no approval.

Tokens do not expire. Bank them.

NOT A SENIOR YET?

You have a track too.

Leave 5 substantive top-level comments on Quality Token posts within 30 days. Not "great post." Not "thanks for sharing." Something that adds, challenges, or extends the thinking in at least 3 sentences.

Do that and you earn one career post in the main feed.

WHAT COUNTS AS A QUALITY POST?

Anything that makes a working PM stop scrolling.

• A decision you shipped and what it cost you.

• A framework you stress-tested and where it broke.

• A product teardown specific to the Indian market.

• An unpopular opinion you can actually defend.

• A post-mortem with numbers, honest ones.

WHAT DOES NOT COUNT

Anything a Google search answers in under 3 minutes.

WHY THIS MODEL?

Because the best communities are not open access. They are earned access.

Every person who posts something real makes this sub more valuable for the next person. Every career ask posted without that foundation does the opposite.

The token is not a gate to keep you out. It is a ramp to bring you up.

We want you here. Earn it and you will get more back than you put in.

— Mod team, r/ProductManagement_IN

Applying with my wife from Mumbai for a 2-week UK trip in August. Doing it ourselves through the free self-upload route instead of paying VFS for scanning. Mostly sorted, but stuck on a few document formatting things:

1. Can I upload statements from two different banks? My funds are split across both accounts, so I want to show both.
2. One bank's 6-month statement runs 50+ pages because of how they format it, and it crosses the 5 MB file limit. Is it fine to split it into Part 1 and Part 2 as separate PDFs? Or is there a better way people have handled this?
3. One of the statements is downloaded from net-banking and says "generated online, does not require signature" instead of a bank stamp. Is that acceptable, or do I need to get it stamped at the branch anyway?
4. Home ownership (linkage and strong ties to home country): our property papers are in local language (Marathi) and we don't want to bother with certified translations, so we left ownership out entirely. Is a society maintenance receipt (in English, has our names and address) worth uploading as a home ties document, or is it pointless?

Would appreciate anyone who's been through the India self-upload route recently. Thanks.

Got my UK visa solo in 2019 on my Indian passport, no issues. It's in my old (now cancelled) passport. This time applying with my wife, also an Indian passport holder, who has zero visa history.

Also just had three back to back Georgia visa rejections (name mismatch twice, then a made up reason on attempt three, which was via an agent). So my faith in agents is shot right now.

Agent's quote for the UK visa for 6 months multi entry tourist visa:

• Agent fee: ₹3,000/person
• VFS "scanning fee": ₹1,700
• Embassy fee: £135

Questions:

1. Does my old visa history change the paperwork for either of us? Old passport needed physically at VFS, or scan enough?
2. Is ₹1,700 a real VFS line item or agent markup? I've read VFS's own service charge is usually ₹2,000-3,500 total, not a separate scanning fee.
3. Is ₹3,000/person fair for a standard visit visa case?
4. I applied myself in 2019 with no issues. Worth an agent this time, or is that just Georgia-induced anxiety talking?
5. Any recent refusal patterns for Indian applicants I should watch for?
6. Can any part of the VFS fee be avoided by doing the paperwork or formalities ourselves (self-scanning, self-upload, direct submission) instead of paying for it as a bundled service?

Want this frugal but not at the cost of another rejection.

Got my UK visa solo in 2019 on my Indian passport, no issues. It's in my old (now cancelled) passport. This time applying with my wife, also an Indian passport holder, who has zero visa history.

Also just had three back to back Georgia visa rejections (name mismatch twice, then a made up reason on attempt three, which was via an agent). So my faith in agents is shot right now.

Agent's quote for the UK visa for 6 months multi entry tourist visa:

• Agent fee: ₹3,000/person
• VFS "scanning fee": ₹1,700
• Embassy fee: £135

Questions:

1. Does my old visa history change the paperwork for either of us? Old passport needed physically at VFS, or scan enough?
2. Is ₹1,700 a real VFS line item or agent markup? I've read VFS's own service charge is usually ₹2,000-3,500 total, not a separate scanning fee.
3. Is ₹3,000/person fair for a standard visit visa case?
4. I applied myself in 2019 with no issues. Worth an agent this time, or is that just Georgia-induced anxiety talking?
5. Any recent refusal patterns for Indian applicants I should watch for?
6. Can any part of the VFS fee be avoided by doing the paperwork or formalities ourselves (self-scanning, self-upload, direct submission) instead of paying for it as a bundled service?

Want this frugal but not at the cost of another rejection.

Got my UK visa solo in 2019 on my Indian passport, no issues. It's in my old (now cancelled) passport. This time applying with my wife, also an Indian passport holder, who has zero visa history.

Also just had three back to back Georgia visa rejections (name mismatch twice, then a made up reason on attempt three, which was via an agent). So my faith in agents is shot right now.

Agent's quote for the UK visa for 6 months multi entry tourist visa:

• Agent fee: ₹3,000/person
• VFS "scanning fee": ₹1,700
• Embassy fee: £135

Questions:

1. Does my old visa history change the paperwork for either of us? Old passport needed physically at VFS, or scan enough?
2. Is ₹1,700 a real VFS line item or agent markup? I've read VFS's own service charge is usually ₹2,000-3,500 total, not a separate scanning fee.
3. Is ₹3,000/person fair for a standard visit visa case?
4. I applied myself in 2019 with no issues. Worth an agent this time, or is that just Georgia-induced anxiety talking?
5. Any recent refusal patterns for Indian applicants I should watch for?
6. Can any part of the VFS fee be avoided by doing the paperwork or formalities ourselves (self-scanning, self-upload, direct submission) instead of paying for it as a bundled service?

Want this frugal but not at the cost of another rejection.

Got my UK visa solo in 2019 on my Indian passport, no issues. It's in my old (now cancelled) passport. This time applying with my wife, also an Indian passport holder, who has zero visa history.

Also just had three back to back Georgia visa rejections (name mismatch twice, then a made up reason on attempt three, which was via an agent). So my faith in agents is shot right now.

Agent's quote for the UK visa for 6 months multi entry tourist visa:

• Agent fee: ₹3,000/person
• VFS "scanning fee": ₹1,700
• Embassy fee: £135

Questions:

1. Does my old visa history change the paperwork for either of us? Old passport needed physically at VFS, or scan enough?
2. Is ₹1,700 a real VFS line item or agent markup? I've read VFS's own service charge is usually ₹2,000-3,500 total, not a separate scanning fee.
3. Is ₹3,000/person fair for a standard visit visa case?
4. I applied myself in 2019 with no issues. Worth an agent this time, or is that just Georgia-induced anxiety talking?
5. Any recent refusal patterns for Indian applicants I should watch for?
6. Can any part of the VFS fee be avoided by doing the paperwork or formalities ourselves (self-scanning, self-upload, direct submission) instead of paying for it as a bundled service?

Want this frugal but not at the cost of another rejection.

Got my UK visa solo in 2019 on my Indian passport, no issues. It's in my old (now cancelled) passport. This time applying with my wife, also an Indian passport holder, who has zero visa history.

Also just had three back to back Georgia visa rejections (name mismatch twice, then a made up reason on attempt three, which was via an agent). So my faith in agents is shot right now.

Agent's quote for the UK visa for multi entry 6 month tourist visa:

• Agent fee: ₹3,000/person
• VFS "scanning fee": ₹1,700
• Embassy fee: £135

Questions:

• Does my old visa history change the paperwork for either of us? Old passport needed physically at VFS, or scan enough?
• Is ₹1,700 a real VFS line item or agent markup? I've read VFS's own service charge is usually ₹2,000-3,500 total, not a separate scanning fee.
• Is ₹3,000/person fair for a standard visit visa case?
• I applied myself in 2019 with no issues. Worth an agent this time, or is that just Georgia-induced anxiety talking?
• Any recent refusal patterns for Indian applicants I should watch for?
• Can any part of the VFS fee be avoided by doing the paperwork or formalities ourselves (self-scanning, self-upload, direct submission) instead of paying for it as a bundled service?

Want this frugal but not at the cost of another rejection.

View Poll

Mumbai is getting crazier day by day. The brain is constantly on throttle mode ki right se auto wala na ghusa de and left me kachre me pair na pade aur same bus wala horn bajate hue aa raha hai toh usko dekho amd so on.

How the fuck do y'all survive while maintaining the energy levels until you reach home safely at the end of the day?

Honestly, fuck spirit of Mumbai.

We've all seen the lists. Zomato, Zepto, Swiggy. And look, there's nothing wrong with loving a product that gets your coffee to you before you've finished the thought. But "it delivered fast" describes the operations team, not necessarily the product. These are genuinely convenient for urban India, though it's fair to ask whether the problem they solve is as ground-level as the ones we don't talk about enough.

Some of the best products never ask for your attention. Gmail's spam filter, for instance, has probably saved you hundreds of hours and quietly kept a few phishing emails from ever reaching you. You've never once thought about it. That's actually the highest compliment a product can receive.

So here's what we'd love to hear: what Indian product do you genuinely think is well-built, and why? Not just why you enjoy using it, but why it's good. What problem does it solve, for whom, and what makes it worth admiring from a craft perspective?

Bonus points if it's something most people overlook. Products built for Bharat rather than just metro India, invisible infrastructure, unglamorous tools that just work quietly and reliably, all of it counts.

Would love to read your takes.

There is something special about a community that actually gives a damn.

r/ProductManagement_IN is getting a fresh start — and we want you to be part of it.

Product careers in India are hard. The path is unclear, the advice online is generic, and most spaces feel like they were built for someone else. We are building something different here. A place where a first-year PM and a ten-year veteran can sit in the same room and both walk away better. Where your real questions get real answers. Where the messy, unglamorous, actual work of building products in India gets the conversation it deserves.

Whatever brought you here — a career you are trying to crack, a problem you cannot stop thinking about, or just the quiet hope that there are others like you out there — you are in the right place.

A few things are changing

The main feed is now for craft and conversation. Resumes, job leads, referrals, and mentorship asks have a dedicated home in the weekly Career & Hiring thread, pinned at the top. It is friendlier there anyway — go check it out.

Seven simple rules are now live. They exist to protect the quality of what we are building together, not to police you. If a post gets redirected, fix it and bring it back. We want your voice here.

Grab your flair

Head to the sidebar and pick a user flair. It takes ten seconds and tells the community who you are. Options:

· [PM Level] · [X] yrs
· Aspiring PM · [City]
· Founder · [Domain]
· PM Educator · [Platform/Org]
· [X] yrs · [Domain] · [City]
· Lurker turned Poster 👀

Also flair your posts — Discussion, Rant, Insight, Resource, Early Career, Advice Needed, Frameworks & Tools.

We are looking for new mods

If you care about this community and want to help shape what it becomes, we want you on the team. Two or more years in product, 30 to 60 minutes a week, and a genuine belief that this sub can be something great.

Comment below with your background and one answer to this: what kind of post do you wish existed here when you were starting out? We will DM shortlisted folks within two weeks.

##Edit: we have enough mods for now. We'll announce when we need more warm bodies to moderate.

This community is yours as much as it is ours. Every great conversation that happens here, every career that gets unstuck, every person who finds their footing because someone showed up and shared something real — that is what we are here for.

Come as you are. Grow with us. 🌱

— Mod team, r/ProductManagement_IN

This sub gets two questions on loop. How do I break into PM. Why am I not landing interviews. Both questions usually come from people who haven't done the one thing PM actually demands: think before asking.

This post answers both, without the LinkedIn polish. Read it end to end before you DM anyone, including me. Especially me. I don't answer DMs for mentorship, guidance, or referrals. Everything I have to say is here, in public, for everyone to use.

---

Before the framework: why you should believe any of this

Who's writing this and why should it matter?

12 in product. B2B, B2B2C, and now a group product head role at one of India's well known B2C brands. Built products from 0 to 1; 1 to 10, and scaled from 10 to 100+. One of my open source contributed project scaled past 500 million users.

The numbers: an 800% hike on first move in 2021 (plus RSUs), a ~32% hike on the move after that, and a recent offer for Head of Product on a consumer vertical at a conglomerate, ₹XXX lakhs base plus ESOPs, closed from a city with barely any tech or product presence. Every one of these was an inbound. I haven't touched my network for any of them, and that network is large. I'm an engineering graduate from a tier-2 college, no MBA, and I currently lead IITians and MBAs from top-tier institutes.

Why am I telling you this if it's not the point?

Because you need a reason to trust the framework before you apply it, and credentials are the fastest proxy for that. But the moment you start chasing my path instead of the principles behind it, you've already misread this post. Nobody needs my resume. Everybody needs the operating model. Forget the numbers above in five minutes. Remember the rules below for the rest of your career.

---

Part 1: What product management actually is

What is PM, stripped of the LinkedIn gloss?

99% of product management is leading from behind. Not sitting around, not issuing orders, not building the next consumer-facing feature that gets you bragging rights at a house party. Most products are B2B: internal tools, dashboards, reporting systems, infrastructure nobody outside the company will ever see. The handful of glossy consumer products you screenshot for your portfolio are built by a tiny fraction of PMs, usually at the absolute top of their game, usually after years of unglamorous internal work first.

Does that mean non-consumer PM work is a downgrade?

No. Internal tools, B2B platforms, and infrastructure products can be just as demanding, just as high-stakes, and just as rewarding as anything consumer-facing. The skill ceiling doesn't drop because the audience is internal. What drops is the Instagram-ability of the work, and if that's what you're optimising for, you're optimising for the wrong variable.

So what does the job actually require day to day?

Stakeholder politics. Knowing which trade-off to make and which to refuse. Knowing when to push back on leadership and advocate for the customer, and when to accept the call and execute anyway. Knowing when to kill a product you've personally invested months into. Understanding unit economics well enough to know whether what you're building can survive contact with a P&L. None of this fits in a LinkedIn carousel. All of it is the actual job.

---

Part 2: Should you even be reading further

I'm good at design and I understand both engineering and business. Doesn't that make me a natural PM?

That's the standard answer every aspirant gives, and it's not wrong, it's just irrelevant. Understanding design, engineering, and business is table stakes, not differentiation. PM isn't a synthesis role for people who couldn't pick a lane. It's a role built on ambiguity tolerance, ownership without instruction, and the judgement to make calls nobody else wants to make. If your pitch for PM stops at "I understand multiple disciplines," you haven't understood the discipline at all.

I keep seeing "give me a roadmap to break into PM" in this sub. What's wrong with asking that?

Everything. There are hundreds of resources on this exact question, a search away. If you can't do that basic research yourself, you've already failed the core test of the job: navigating ambiguity and taking ownership without someone handing you a script. PM is not a role for people who wait to be told what to do. If that's you right now, don't get into PM. You'll struggle, you'll make your team's life harder, and you'll ship mediocre products while waiting for instructions that were never coming.

That sounds harsh. Is it meant to filter people out?

Yes. Deliberately. If a paragraph like this is enough to put you off the role, it has done its job. The role itself will test you far harder than this post does, every single week, for years. Better to find out now than eighteen months into a job you resent.

---

Part 3: Breaking into PM

What's the single best way to break in?

An internal switch. Not a cross-company jump. Period.

Point	Internal switch	Cross-org switch
Domain knowledge	Already have it	Have to build it from zero
Process and stakeholders	Already know them	Have to learn them under pressure
What you must still prove	PM skills alone	Domain, process, stakeholders, and PM skills, all at once
Risk to you	Lower	Higher
Risk to the hiring manager	Lower	Higher
Why hire you over an existing PM	Strong internal case	Weak, since an existing PM is available at the same or lower cost

Why does the table's last row matter so much?

Because it answers the question every external hiring manager is silently asking: why take a risk on an unproven outsider when a proven internal PM exists for the same money? Unless you have a sharp, specific answer to that question, your external applications are going nowhere. The internal switch sidesteps the question entirely.

Fine, internal switch is the goal. How do I actually demonstrate I'm ready before anyone gives me the title?

Side projects. Not because they look good on a resume, but because they prove three things no interview question can: curiosity, hustle, and the ability to operate without a brief.

What should I build?

Wrong question, and asking it disqualifies you on the spot. If you need someone else to hand you a problem to solve, you've already demonstrated you can't operate in ambiguity, which is the entire job. Generic questions get generic advice, and generic advice gets generic outcomes. Ask pointed, specific questions if you ask at all.

Can you at least give me a sense of scale?

Pick a problem you actually have. Most strong products started as someone scratching their own itch; Mark Zuckerberg built Facebook's earliest version to solve a problem he personally had on campus. Your project doesn't need to be a launch-ready app. An automated spreadsheet that tracks your investment portfolio counts. A browser extension that fixes something that annoys you every day on a website counts. AI has removed every excuse around tooling and time. If you're still asking what to build, the gap isn't skill, it's effort.

What's the actual takeaway from this section?

Reddit posts and DMs asking for roadmaps don't get you a job. Ground work does. Pick something, build it badly, fix it, and let the project speak for the judgement you'd bring to a real role.

---

Part 4: Switching, if you're already a PM

I'm already a PM and I can't land interviews. What's actually broken?

Almost always the funnel, not your skill. Your resume and your LinkedIn profile exist to do exactly one job: get you an interview. Nothing more. If interviews aren't happening, that's where the funnel is broken, and that's where you fix it first, before touching your interview prep.

What's the single highest-leverage lever for switching?

Referrals. As a hiring manager, I trust a referral over a stranger every time, because referrals carry someone else's credibility on the line.

Will any referral do?

No. I only refer people I've directly worked with, because my credibility is what's at stake if they underperform. I also don't accept referral requests routed through a peer who has no real context on the candidate; that chain doesn't carry trust, it just borrows the word. This entire system runs on trust as the highest-leverage currency available to you. Use it, and use it precisely. It's how I've landed interviews at companies and in countries most people only dream about, including multiple EU offers.

What's the second-best lever, for people without that network yet?

Keywords. Your resume and LinkedIn profile get filtered by ATS systems and screened by recruiters who often don't have deep domain context. Mirror the language of the job description in your resume and profile. It's mechanical, it's not glamorous, and it works.

Once I'm getting interviews, what then?

Treat your own funnel like a product. Increase the number of interviews, because conversion is a numbers game: more attempts, higher probability of a close. Say yes to interviews at companies you wouldn't normally consider; use them as practice reps so you're sharp when the interview that actually matters comes along.

What about rejection?

Don't take it personally, and don't leave it unexamined. Track every interview: the questions asked, the feedback given, the stage you dropped off at. The pattern across rejections tells you more than any single rejection does. You will fail at different stages of this funnel. Run the same root-cause exercise on your own funnel that you'd run on a failing product metric, find where the drop-off concentrates, and fix that specific stage.

---

Part 5: The MBA question

Do I need an MBA to build a career in product management?

No. Hiring managers who rate your skills will hire you regardless of pedigree. Hiring managers who don't rate your skills won't hire you even with a top-tier MBA on your resume. An MBA can sharpen specific skills, but it is not a prerequisite for this role, and treating it as one mostly benefits the institutions charging for it.

---

What happens next

This covers breaking in and switching. If there's enough engagement on this post, the next ones will cover salary negotiation, smooth onboarding, and excelling once you're in the seat.

A few ground rules, stated plainly so there's no ambiguity: no mentorship requests, there are sharper people than me to learn from. No DMs asking for help, guidance, or referrals; I don't extend referrals to people I haven't worked with directly, and I won't make an exception over DM. Ask your questions in the comments instead, so the answers compound for everyone reading this instead of disappearing into one inbox.

The honest frustration behind this post: Indian tech and product hiring is built overwhelmingly around cracking interviews rather than building the critical thinking that makes someone good at the job once they're in it. This post is an attempt to push the conversation back toward the latter.

Long story short, we had to cancel a trip because my wife suddenly fell sick. Both of us were insured on the same TripSecure+ policy from ICICI Lombard, same itinerary, same dates, married couple travelling together.

We filed Trip Cancellation claims for both of us since the whole trip got cancelled because of her illness.

Her claim got approved, after they tried to reject it first, and only flipped after I pushed back in writing. Mine got rejected outright, with the reason being "the insured is not the patient and does not meet the admissibility criteria."

This doesn't sit right with me. The policy wording, from the schedule itself, says trip cancellation is covered for "unforeseen events like sickness." It doesn't say whose sickness. We were on one policy, one trip, one booking. If she can't travel, neither can I, there's no version of this where I fly to Georgia alone while she's at the doctor. Feels like they're just inventing a reason to pay out half instead of the full claim.

On top of that, the amount they approved for her doesn't even add up. Our flight cost for both of us was about ₹83k, so her half should be roughly ₹41 to 42k. They approved $431 and change, which converts to noticeably less than that, and the cover is supposed to have zero deductible. No explanation given on how they calculated it either, despite asking twice.

I've sent them a couple of strongly worded follow ups citing their own policy wording and I'm planning to take this to the Insurance Ombudsman if they don't sort it out, but before I do that I wanted to ask here:

1. Has anyone dealt with this exact "insured is not the patient" rejection on a joint policy before? Did the Ombudsman side with you?
2. Is this a known tactic insurers use, reject one half of a joint claim hoping people don't push back?
3. Any tips on dealing with ICICI Lombard claims specifically, good or bad experiences?
4. Anyone gone through the actual Ombudsman process for something like this, how long did it take, was it worth it?

Would genuinely appreciate any insight, especially if you've been through something similar. Not trying to villainise the company outright, just want to know if I'm in the right here or missing something about how these joint policies actually work.

Long story short, we had to cancel a trip because my wife suddenly fell sick. Both of us were insured on the same TripSecure+ policy from ICICI Lombard, same itinerary, same dates, married couple travelling together.

We filed Trip Cancellation claims for both of us since the whole trip got cancelled because of her illness.

Her claim got approved, after they tried to reject it first, and only flipped after I pushed back in writing. Mine got rejected outright, with the reason being "the insured is not the patient and does not meet the admissibility criteria."

This doesn't sit right with me. The policy wording, from the schedule itself, says trip cancellation is covered for "unforeseen events like sickness." It doesn't say whose sickness. We were on one policy, one trip, one booking. If she can't travel, neither can I, there's no version of this where I fly to Georgia alone while she's at the doctor. Feels like they're just inventing a reason to pay out half instead of the full claim.

On top of that, the amount they approved for her doesn't even add up. Our flight cost for both of us was about ₹83k, so her half should be roughly ₹41 to 42k. They approved $431 and change, which converts to noticeably less than that, and the cover is supposed to have zero deductible. No explanation given on how they calculated it either, despite asking twice.

I've sent them a couple of strongly worded follow ups citing their own policy wording and I'm planning to take this to the Insurance Ombudsman if they don't sort it out, but before I do that I wanted to ask here:

1. Has anyone dealt with this exact "insured is not the patient" rejection on a joint policy before? Did the Ombudsman side with you?
2. Is this a known tactic insurers use, reject one half of a joint claim hoping people don't push back?
3. Any tips on dealing with ICICI Lombard claims specifically, good or bad experiences?
4. Anyone gone through the actual Ombudsman process for something like this, how long did it take, was it worth it?

Would genuinely appreciate any insight, especially if you've been through something similar. Not trying to villainise the company outright, just want to know if I'm in the right here or missing something about how these joint policies actually work.

Long story short, we had to cancel a trip because my wife suddenly fell sick. Both of us were insured on the same TripSecure+ policy from ICICI Lombard, same itinerary, same dates, married couple travelling together.

We filed Trip Cancellation claims for both of us since the whole trip got cancelled because of her illness.

Her claim got approved, after they tried to reject it first, and only flipped after I pushed back in writing. Mine got rejected outright, with the reason being "the insured is not the patient and does not meet the admissibility criteria."

This doesn't sit right with me. The policy wording, from the schedule itself, says trip cancellation is covered for "unforeseen events like sickness." It doesn't say whose sickness. We were on one policy, one trip, one booking. If she can't travel, neither can I, there's no version of this where I fly to Georgia alone while she's at the doctor. Feels like they're just inventing a reason to pay out half instead of the full claim.

On top of that, the amount they approved for her doesn't even add up. Our flight cost for both of us was about ₹83k, so her half should be roughly ₹41 to 42k. They approved $431 and change, which converts to noticeably less than that, and the cover is supposed to have zero deductible. No explanation given on how they calculated it either, despite asking twice.

I've sent them a couple of strongly worded follow ups citing their own policy wording and I'm planning to take this to the Insurance Ombudsman if they don't sort it out, but before I do that I wanted to ask here:

1. Has anyone dealt with this exact "insured is not the patient" rejection on a joint policy before? Did the Ombudsman side with you?
2. Is this a known tactic insurers use, reject one half of a joint claim hoping people don't push back?
3. Any tips on dealing with ICICI Lombard claims specifically, good or bad experiences?
4. Anyone gone through the actual Ombudsman process for something like this, how long did it take, was it worth it?

Would genuinely appreciate any insight, especially if you've been through something similar. Not trying to villainise the company outright, just want to know if I'm in the right here or missing something about how these joint policies actually work.

Following the great response on my earlier post announcing r/Ghatkopar meet up.

Date: 20th June

Day: Saturday

Time: 5 PM onward

Venue: Courtyard, R City

Agenda

1. We will start with meet & greet, brief non-doxxing intros. Everyone has the right to their privacy, please respect those boundaries.
2. Let it evolve organically. Some may want to venture inside the mall, some may want to hang around - chit chay, while others may want to leave early. Everyone decides their participation.
3. There will be sub-groups and break outs. That's how meets up go. Follow your vibe.
4. Intentionally picked a public space for everyone's comfort and safety. Please be cautious sharing your PII info with anyone you don't trust or haven't gotten to know well enough. This is for your safety.
5. Meet up will start at 5:30 PM onward, it will go as long as everyone is around or sub-groups want to hang out.
6. We all are attending for fun, so please be your excellent.
7. More the merrier, bring your friends too.

See you all.