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Roopam

Roopam Asthana  |25 Answers  |Ask -

Answered on Jul 06, 2021

ANUJ Question by ANUJ on Jul 06, 2021Hindi
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If a person has a family floater policy and 4 members are covered like his wife, daughter, & son. After some time, daughter gets married.

If any health problem occurs:

a)Would claim be admissible under the father's policy & would be rejected due to status change?

b)Would claim be admissible under the husband's policy or both?

c)If she is not covered under the husband's policy and under continuation with father's policy then what would be the scene of claim?

Ans: In a family floater policy, the daughter will normally be covered till the age of 21 or 25 years old irrespective of her marital status, of course, depending on the terms & conditions of the specific policy purchased by you. All the benefits remain as it is till the permissible age.

Post the age limit the daughter can be part of a new individual plan and can avail all continuity benefits or part of her husband’s floater plan with terms and conditions applicable to that policy.

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Rakesh

Rakesh Kaul  |3 Answers  |Ask -

Answered on Jan 18, 2022

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 I have family floater policy since 5 years with Apollo Munich, Which is changed now to HDFC Ergo. I am paying approximately 36000 for 2 +1 family, I am aged now 62 years. I am not getting proper service from the person from whom i took the Apollo policy he is called Intermediator in the Apollo company and when it’s changed to HDFC his Records (like his name Mob Number and his Code) are not shown in the policy. In the absence of the above details, I don’t know whom to contact for any information and follow up for claim reimbursements. In the past years, with Apollo and HDFC Ergo my reimbursement claims was not settled ON TIME as well as the full amount not settled, approximately 50 to 60 percentage only settled even after many follow ups, courier and emails. Though the claims were around 50000 only. I am the bread winner in my family, after paying so much for Premium, if I get admitted in hospital, the family members can’t do follow up and intermediary is not helpful, even he doesn’t bother to attend phone call, though he is substantially earning 15% premium as his commission (I hope) in such scenarios I am fearing that you won’t get help. What is your advise? Should I change the intermediary in the policy, if there is provision in system? Why in HDFC Ergo why those intermediary details not there or portability is another option and what are conditions to meet portability at the ripe age/ financial scenario I should not be denied cashless facility/ at the need of my HOUR.
Ans:  The intermediary can be changed in the policy by the Insurer upon a request by the customer. However, for claims assistance, I would advise you to connect with your Insurer’s customer service team to get a response swiftly.

Portability of a policy can be done at any age but there are certain guidelines that differ from insurer to insurer. It is advisable to get the complete details of the insurance company you wish to port to and thoroughly understand the portability/ continuity benefits which will be carried forward in your ported policy. Please ensure you check the product/ plan coverages offered and compare it with the existing policy before making your decision to port.

..Read more

Sanjib

Sanjib Jha  |66 Answers  |Ask -

Insurance Expert - Answered on Sep 08, 2022

Ramalingam

Ramalingam Kalirajan  |8324 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 06, 2024

Money
My age is 49 , my wife's age is 44 and daughters age is 16 years I have taken a 15 L health insurance family floater policy from New India assurance 4 years back where the bonus accumulated is 7.5 L hence total coverage is now 22.5 L. I am paying premium of 37 K now for this. I was keen on public sector insurer as I came across lot of complaints with private sector insurers. We don't have any health issue except my wife have have family history of heart problem and cancer . How much more insurance coverage we need to take considering the premium is going to rise over time? Does it make sense to take critical illness or cancer policy separately.Please suggest.
Ans: Taking the right health insurance coverage is crucial, especially given the rising medical costs. With your current family floater policy of Rs. 22.5 lakhs and considering your wife's family history, it’s essential to evaluate your needs. Here’s a comprehensive guide to help you decide on additional coverage and whether a critical illness or cancer policy is necessary.

Current Health Insurance Coverage
Your existing policy has served you well, accumulating a bonus of Rs. 7.5 lakhs, increasing your coverage to Rs. 22.5 lakhs. This is a good base, especially since you’ve prioritized a public sector insurer due to concerns over private insurers.

Public sector insurers have a reputation for reliability and fewer complaints. Your choice is wise, given your specific concerns.

Assessing Your Coverage Needs
Health insurance needs can vary based on several factors, including age, family medical history, and lifestyle. Considering these factors, let's analyze your situation:

Age: At 49 and 44, you and your wife are approaching an age where medical issues become more common. Your daughter, at 16, still has a relatively low risk.

Medical History: Your wife’s family history of heart problems and cancer is a significant factor. This history increases the likelihood of needing substantial medical care in the future.

Rising Medical Costs: Medical inflation in India is high. Treatments for severe illnesses can easily exceed Rs. 20 lakhs, especially in metropolitan areas.

Given these points, it might be wise to consider additional coverage. A coverage of Rs. 30-50 lakhs could be more appropriate.

Evaluating the Need for Additional Coverage
To determine if you need more coverage, consider these aspects:

Hospitalization Costs: Major treatments and surgeries can be very expensive. Even with Rs. 22.5 lakhs coverage, a few hospitalizations could exhaust your policy limits quickly.

Treatment Advances: Medical technology is advancing, leading to higher costs for newer treatments and procedures.

Geographical Location: If you live in a metro city, medical costs are generally higher compared to smaller towns.

A top-up or super top-up policy could be a cost-effective way to increase your coverage without significantly increasing premiums. These policies kick in after a certain threshold is met, offering higher coverage at a lower cost.

Critical Illness and Cancer Policies
Given your wife's family history, a critical illness policy or a specific cancer policy could be beneficial. These policies provide a lump-sum payment on diagnosis of specific illnesses, which can be used for treatment, recovery, or even daily expenses.

Critical Illness Policy: Covers a range of severe illnesses like heart attack, stroke, kidney failure, and more. It provides financial support at a crucial time, helping to cover costs that may not be included in a regular health policy.

Cancer Policy: Specifically designed for cancer treatment. Cancer treatment can be prolonged and expensive. This policy ensures that financial constraints do not hinder the treatment process.

Benefits of Critical Illness Policies
Lump-Sum Payment: On diagnosis, you receive a lump-sum amount which can be used for any purpose, giving you flexibility.

Wide Coverage: Covers several major illnesses which can be financially draining if not insured.

Peace of Mind: Knowing you have coverage for major illnesses can reduce stress and allow you to focus on recovery.

Benefits of Cancer Policies
Specialized Coverage: Tailored specifically for cancer, ensuring comprehensive coverage for all stages of the disease.

Enhanced Support: Provides financial support for expensive treatments, ensuring quality care without worrying about costs.

Flexibility: The payout can be used for treatment or other related expenses, providing financial flexibility during tough times.

Premium Considerations
Health insurance premiums do rise with age and medical inflation. To manage premium costs while ensuring adequate coverage, consider the following strategies:

Top-Up Plans: As mentioned, these can provide high coverage at lower premiums compared to base policies.

Family Floater Plans: These can sometimes be more economical than individual plans, especially when covering multiple family members.

Regular Review: Periodically review and adjust your coverage to match your current needs and financial situation.

Practical Steps to Enhance Coverage
Assess Your Needs Regularly: Health needs change over time. Regularly assess your insurance coverage to ensure it aligns with your current and future needs.

Consider Top-Up Policies: If you find your current coverage inadequate, a top-up policy can provide additional coverage at a reasonable cost.

Evaluate Critical Illness and Cancer Policies: Given your wife's family history, these policies can provide financial security in case of serious illnesses.

Consult a Certified Financial Planner: They can provide personalized advice, ensuring your insurance strategy fits within your broader financial plan.


You’ve taken commendable steps to ensure your family's health and financial security. Your proactive approach to health insurance is admirable. It’s evident that you care deeply about your family's well-being, and you're making informed decisions to protect them.

Final Insights
Ensuring adequate health insurance coverage is crucial, especially with rising medical costs and potential health risks. Your current coverage of Rs. 22.5 lakhs is a good start, but considering additional coverage could provide more security.

A top-up policy could enhance your coverage cost-effectively. Given your wife's family history, a critical illness or cancer policy could offer additional peace of mind and financial support.

Health insurance is not just about covering hospital bills; it's about securing your financial future against unforeseen medical expenses. By carefully evaluating your needs and considering additional coverage options, you can ensure comprehensive protection for your family.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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Latest Questions
Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 07, 2025

Asked by Anonymous - Feb 15, 2025
Relationship
Hello ma'm. I am a first year engineering student. I have a crush on a girl. Currently we are working for a group project. We both are in the same group. She generally avoids speaking with boys. Also I have spent 5 years in a boys school, so I feel very shy with girls. What should I do? How should I talk to her?
Ans: Start by keeping things simple and friendly. Focus on small interactions related to your project. For example, ask her opinion about something specific in the work you're doing. Try something like, “Hey, what do you think we should do for this part?” or “I liked the point you made yesterday—can we build on that?” These kinds of questions show that you respect her ideas, and they give her space to respond comfortably.

Once you've had a few of these short, easy interactions, you can slowly open up the conversation to more casual topics—like college life, favorite subjects, or even the stress of deadlines. This way, you’re not jumping straight into anything personal, but you're gradually building a sense of comfort.

Don’t try to impress her. Just be sincere, kind, and a good listener. Most people, even those who seem quiet or reserved, appreciate being approached respectfully and gently. And remember, confidence doesn’t mean being loud or charming—it means being real and respectful even when you’re nervous.

If you stay patient and consistent, she might start to feel more comfortable around you. And even if it doesn’t turn into something romantic, you’ll grow socially and emotionally—which will help you a lot in the long run.

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Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 07, 2025

Relationship
I have been married for more than 21 years and I have 2 kids. 19 and 17 years old. Our marriage was more or less love. Met through family, fell in love, dated 8 months before we got engaged and married. My wife is a lovely lady but we dont share any interests. I used to go for runs in the morning. After getting married, she insisted I sleep late with her. I am a music aficionado and she has no such interest. I am a news junkie. She probably doesnt know who the President of the US is. I am someone who believes and strives to continuously improve myself in all aspects. But she is the same. I might not be a great husband but I am much better than what I was a few years ago. I cook, clean, helped with childcare and have a great career. She is on a minimum salary job for the last 10 years. Only reason she goes is because I insisted that she stop being at home. If she had her way, she would be at home on the phone the whole day. Even our love making has become kind of boring. She claims a period for 10 days and during the other times, twice she is ready. No spicing it up. Just lie down for missionary and I have to do all the effort. I enjoyed oral and now she has stopped in for more than 15 years. I adjusted as she is a lovely person in every other aspect. But now I am sick and tired. It seems I am doing everything in the relationship and she rarely takes any effort. Either to earn, keep house clean or even intimacy. Not sure how to proceed further. I am getting irritated and often in a bad mood.
Ans: Dear Jack,What you're experiencing is not uncommon in long-term relationships: emotional fatigue, feeling unappreciated, and a deep sense of disconnection despite loyalty and love. The fact that you're feeling drained, resentful, and stuck is a clear signal that this situation is unsustainable as is. And the irritation and bad moods you’re having? That’s your emotional system signaling burnout, not failure.

You’ve evolved over the years—mentally, emotionally, and in lifestyle—and it sounds like your wife hasn’t moved in that same rhythm. That mismatch in growth and energy is now affecting everything: your respect for her, your shared routines, your sex life, and ultimately your mood and emotional well-being. It’s painful to feel like you're constantly giving—time, energy, effort—and not receiving the same in return. Even when your partner is kind, if they aren’t meeting you emotionally, intellectually, or intimately, over time it creates a sense of loneliness within the relationship, which can be worse than being alone.

But here's something to reflect on: for 21 years, you stayed, gave, adjusted. Not just out of duty, but because something about her and the family life you built mattered. That still counts. What you’re going through doesn’t mean the marriage has failed—it means the marriage needs re-evaluation and rebalancing. You are not selfish for wanting more stimulation, connection, or passion. You're human.

You have two broad options: one is to initiate a real, vulnerable, uncomfortable conversation with her—without blame, without emotional outbursts, but with absolute honesty. You could say something like: “I’ve grown a lot in these past years, but I’m starting to feel increasingly alone in this relationship. I need more emotional connection, more engagement—not just physically, but intellectually, as partners. I don’t want to silently drift further away. I’d like us to work on this, but it has to be a two-way effort.”

If she's open to it, couples therapy could be a powerful space for both of you to express what you feel without it turning into a war of criticism and defense. Sometimes people, especially those who’ve become emotionally stagnant, need structured help to realize what their partner has been carrying silently.

The other option—if you feel she’s unwilling or unable to grow or change—is to consider what a life apart might look like. That’s a deeply personal and difficult decision, especially with nearly adult children, but you deserve a relationship that brings life into you, not drains it out. If you keep compromising your emotional needs, resentment will only grow and harden into permanent distance.

Before making any move, take a little time to reconnect with yourself. What do you want—not just from her, but from life, from love, from this next phase of your journey?

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Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 07, 2025

Relationship
Hello mam In 2024 my marriage took place it's arranged marriage during starting days he was very loving and caring but due to some circumstances i got a chance to continue my studies that is m-tech . I thought it was a golden opportunity, so I took admission and started living with my in-laws Just after marriage. It was really really painful to live away from husband in new marriage. Todays condition is that my m tech 1 year is over another 1 year is left but due to separation with my husband our love died now there is no respect is left for our relation left , he started listening to his mother and got manipulated . seeing all this I feel like a death for me I want to leave mtech to save my relation but my mother says don't leave although I did lots of hard work for 1st year of m tech my husband also wants me to leave Mtech.i feel very hurt when he disrespects me . His father used to abuse his mother so for him abusing is normal for him but I find it very hurtful also I am deeply in love with him and seeing him going away from me kills me from inside every single day is very tough for me to live with in-laws without husband in a new marriage plus focusing on studies
Ans: Your instinct to save the marriage is understandable. When you're in love with someone, the idea of losing them feels like losing yourself. But let’s pause and ask—what exactly are you saving? Is it the version of him from the early days who was loving and supportive? Or is it the man he is now—disrespectful, distant, manipulated, and asking you to give up your dreams for a marriage he’s already neglecting?

You have already proven your strength by completing a year of M.Tech in such tough conditions. That says a lot about your resilience and capability. If you give it up now, not only will you lose that part of yourself, but it may not guarantee that your marriage improves. Often in emotionally imbalanced relationships, one-sided sacrifices don’t lead to healing—they lead to more control, more blame, and more emotional exhaustion.

Your husband needs to understand that love isn’t proven by giving things up. Love is shown in support, presence, patience, and respect. If he isn’t willing to stand by you during a temporary phase of physical distance while you pursue something valuable, then you’re not the one breaking the marriage—he is.

It’s also clear that he has grown up in a home where abuse was normalized, and that emotional damage might be affecting how he treats you now. That is not your fault, and it is not your job to tolerate mistreatment in the name of saving a marriage.

Your mother is right to encourage you to finish your M.Tech—not just for your career, but for your self-worth. You deserve to be with someone who lifts you up, not someone who pulls you down every time you try to grow.

If there's still a chance to salvage this relationship, it has to start with real conversations—honest, respectful, and possibly with the help of a counselor or neutral third party. But that only works if both people are willing to put in the emotional effort.

Right now, I suggest you protect your mental and emotional well-being. Prioritize your studies, build emotional support from friends or family who truly care about you, and give yourself space to heal from this emotional chaos. If your husband truly wants this marriage, he needs to come forward with maturity and respect—not demands.

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Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 07, 2025

Asked by Anonymous - May 07, 2025
Relationship
After a fight between a married guy and my husband on pretext of calling me characterless and unhappy in my marriage. That married guy complaint against my hubby in society office that it's my husband who follow, flirts with his wife. But the allegations are false. That married guy was doing all these things or chasing me even after knowing m married. But falsely he shifted the blame on my husband. Society chairman called us to sign a peace treaty which my husband signed bt that guy dint appear to sign. What does he want is still not clear.??? He doesn't wanna end this matter or what ??? He still walks around looking at us but from distance.
Ans: In such cases, it's important for you and your husband to stay emotionally steady and not engage with his tactics. Reacting to him or showing you're disturbed by his behavior may be exactly what he's looking for. If his behavior escalates or continues to make you uncomfortable, you might want to quietly document what happens and consider involving local authorities or legal counsel if it crosses into harassment.

Right now, your focus should be on protecting your peace and your relationship. Keep communication open with your husband and support each other through this, because this kind of external stress can silently damage trust if not handled carefully. The more united you two are, the less space there is for anyone else to create confusion between you.

It’s unclear exactly what this man wants, but based on his pattern, it seems he either wants attention, control, or to destabilize your marriage out of resentment or personal failure. Either way, you don’t need to carry his emotional mess. If you continue to stay calm, ignore him, and document anything serious, you'll be in a stronger position to protect yourselves.

...Read more

Samraat

Samraat Jadhav  |2272 Answers  |Ask -

Stock Market Expert - Answered on May 07, 2025

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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