Fundamental Investor (FI_InvestIndia)

Dearest friends. Sharing a Comprehensive Checklist to Find the Perfect Family Health Insurance for your Family. Share Widely if this Helps You. You can always write to me, for any Clarity. Choose Wisely !!!!

• BROKING TEAM: Insurance Industry is Getting Automated. Most responses are handled by Bots. So, it is always better to Buy Health Insurance through a trusted Broker Team who can provide that Human Touch while making Claims.



• CHOOSE WISELY: Visit nearby Hospitals & Verify the Claim Ratio & Quick Approvals Claims made by Insurance Companies. Private Insurers are Doing Fabulous Job



• DAY CARE TREATMENTS: Most Insurance Policies require 24 hour Hospitalization to Claim. But, with advance in technology, there are many procedures which do not need Hospitalization. So, ensure that Day Care Treatments are covered (Cancer etc.)



• NO ROOM CAPPING: Ensure that your Insurance does NOT have any Room Capping. You should have a choice of any Room while you are being treated.



• ZERO CO-PAYMENT: Most Insurance Companies have a Copayment after age of 60. Please Ensure that you have ZERO Copayment, especially as you get into later years. The Insurance should cover full amount – No Questions Asked



• ALTERNATE MEDICINE COVER AYUSH (Ayurveda Unani Siddha Homeopathy) – Alternate Medicine cover helps especially when you want to give time to heal etc. I prefer insurance policies having AYUSH facility.



• HIGH NO CLAIM BONUS: Look for policies which give No Claim Bonus of 50% per year (2x in 2 years time). This is a competitive market and you can definitely find such policies.



• DISEASE FLEXIBILITY: Ensure that your policy covers Multiple Diseases, Multiple Times in same year for Multiple Family Members. This is a tricky clause – Ensure it is taken care.



• RESTORATION: Let’s say your family has 10 Lakh cover. Your first claim comes to 8L. Your spouse second claim comes to 5L. In this case, 10L will be borne by Insurance company. 3L will be from your pocket. If Restoration is there in policy, the company will put another 10L in your policy when you make first claim (this happens after every first claim every year). So, now fill 13L is covered by company and you still have 7L left (and NCB extra). My Insurance gives me Unlimited Restoration upto 1 Cr.



• NON CONSUMABLES: Ensure that you have Riders which ensure that Non-Consumables are also Covered (syringe, Paper etc which normally doesn’t get covered)



• DISCLOSE EVERYTHING: While buying a policy, Disclose all Pre-Existing Diseases, which will not be covered for first few years. Remember that you are going to pay Premiums for next few decades. So, its ok that your Insurance company knows about your basic health.



• READ YOUR POLICY: Read all the Terms and Conditions properly. Read the Exclusions list very very carefully (especially Excl02). No surprises after buying.



• AVOID LINKING HEALTH APPS TO INSURANCE: Many Insurance Companies give discount if you link your Health Data app with them. But, what we do not realise is that, this data can be sold/used against us. Avoid linking such sensitive data which would be real-time and update every single second.

You can write to me at investorfundamental@gmail.com if you need any clarity !!!

So what's your situation? Take the poll below !!!

- FI

3 years ago | [YT] | 8

Fundamental Investor (FI_InvestIndia)

DO NOT MISS !!! WEEKEND EXERCISE for All (90 MIN):

MARKETS AT HIGH. WHAT TO DO?

Discussed 10 POWERFUL STEPS with 200+ Friends LIVE.

https://youtu.be/yoOUv7k2MMo

- Keep PENCIL/PAPER
- COMMENT the LEARNING in Video Itself
- Check Description for Chapters & Timings
- Share Video among all Friends & Family

Have you Watched Yet?

4 years ago | [YT] | 14

Fundamental Investor (FI_InvestIndia)

If we Buy a Good Business at 100 in Year 1, goes to 50 in Year 2, 30 in Year 3 due to Headwinds (conviction tested).

Finally 100 in Year 6 (break even) & 1000 in Year 10.

That's CAGR of 25% in 10 years.

Markets !!! Testing. Non Linear. Beautiful.

#FI

4 years ago | [YT] | 61

Fundamental Investor (FI_InvestIndia)

Sunday Exercise (75 Min) for Long Term Investors:



60 Min - EMERGENCY FUNDS
https://youtube.com/watch?v=015rcNhSRgQ



15 Min - Warren Buffett Lessons
https://youtube.com/watch?v=1GgdpWuMV44

Take the Small Poll Below !!!

IMPORTANT:


- Pencil Paper for Notes
- Comment your Learning


Bookmark. Share with Friends.

Email me anytime to share any thoughts !!!


#FI

4 years ago | [YT] | 7

Fundamental Investor (FI_InvestIndia)

Ready to Spend 30 minutes on Weekend Exercise?

https://www.youtube.com/watch?v=1Ggdp...

- Take a pen/pencil and paper
- Sit in a calm place away from noise
- Dedicate 30 minutes of your time for this activity

4 years ago | [YT] | 5

Fundamental Investor (FI_InvestIndia)

IMPORTANT ANNOUCEMENT. Do You Have An Emergency Fund? Thousands have watched and benefited.

Spend 55 Min on this video for clarity:

https://youtu.be/015rcNhSRgQ

4 years ago | [YT] | 11

Fundamental Investor (FI_InvestIndia)

Who has Started the Special Exercise which I mentioned in this video? Any Long Term Investors here?

https://youtu.be/xnRBTSGI3RY

4 years ago | [YT] | 18

Fundamental Investor (FI_InvestIndia)

Friends. How many months of Emergency do you Have? 🔥😀

Spend 55 Min on this video for clarity:

https://youtu.be/015rcNhSRgQ

4 years ago | [YT] | 19

Fundamental Investor (FI_InvestIndia)

What's the Longest You have Held a Business (Publicly Listed Company)…???

Tell me the Experience in Comments 😀 Did You Make Money or Lose Money on this Investment?

4 years ago | [YT] | 7

Fundamental Investor (FI_InvestIndia)

Over 98% enter the Stock Market to Earn Quick Bucks 🤑🤑🤑

They Help the remaining 2% enormously to Create Wealth Over Time 👍

Slowly. Steadily. Surely 🎯

#FI

4 years ago | [YT] | 50