Deepesh Raghaw

Had MRI for the first time. Enquired to doctor, why MRIs is so costly. He replied, machine cost plus setup requires 10cr+. Need to pay 16-19% duty on machines as well. Come out with two questions in mind. First, why does the Government impose such duties on equipment used for essential and emergency medical treatment. Secondly, I wondered why, even in 2026, we still need to import such machines instead of manufacturing it in India.

But there is one important nuance people often misunderstand. 👇 Waiting periods do not restart just because you are porting the policy. If a disease develops after you bought your original policy, it becomes part of your coverage. The new insurer cannot impose a fresh waiting period on it.

BIG: Govt invokes Essential Commodities Act (ECA) to ensure LPG supply, orders refineries to divert key streams. After all the ‘source based’ ‘don’t worry, all is well’ chatter till a few days ago, reality bites: The West Asia WAR has hit HOME. 🙏

"Agar early de*th hui to insurance wale iss tarah se torture karte hain." This woman shares how an early claim can result in a painful investigations, and claim rejections. IMPORTANT FOR ALL TERM INSURANCE BUYERS: Don't let lack of awareness, be the reason for claims getting rejected when you are not around. It's important to educate your family about Term Insurance, the coverage, the processes, the regulatory rights, as much as it is important to buy right. I have prepared THIS NOTE that can help you achieve this, effectively Just copy this note below in a doc file, and enter details. Then share it with your family. Best use of your weekend :) DOC VERSION: If you want a doc version, just comment "document" below, and I will DM the document in an open doc format. You can make a copy and use. -------------------------------- TERM INSURANCE BRIEFING NOTE Enter your details, and share with your family today: 1. Policy Details I have the following life insurance policies. A table comprising of: Name of Insurer Cover Amount Any Riders Year Purchased Nominee Name 2. Important Links Link to my policy folder (contains policy copies, proposal forms, and emails sent to the insurer for each policy) 3. Whom to Contact In case I am not around, please contact: My trusted agent: Name: Mobile: Landline: Insurer's claims helpline: (find on the insurer's website under "Claims") My trusted friend who already has all these details: Name: Mobile: Landline: 5. Documents You'll Need Keep these ready when filing the claim: –Policy copy –Death certificate –All Hospital records (if death due to illness) –FIR copy, Post Mortem copy (if accidental death) –Nominee Identity Proof (Aadhaar, PAN, Passport, or Voter ID) –Nominee Address Proof –Cancelled cheque or bank passbook with account details –Duly signed payout mandate form 6. About Early Claims If I pass away within 3 years of buying the policy, the insurer is likely to investigate more carefully. The most common reason for rejection is non-disclosure when information (especially health related) was not shared honestly at the time of buying. I have shared everything correctly. You will find the proposal form copies in the policy folder link I have shared. 7. Know Your Rights After 3 years of continuous renewals from the year the policy was purchased, no insurer can reject a life insurance claim FOR ANY REASON. This is as per Sec 45 of the Insurance Act, 1938 (amended in 2015). 8. How to Escalate a Rejection: Contact the insurance expert. You can escalate claim rejections to the Ombudsman for free. For claims above 50 Lakhs, you will have to go to the Consumer Court. Do not lose hope. This is your money. Fight for it.