If the cashless request is denied, the entire cost may need to be paid for planned treatments.
By taking the mutual fund route, investors can take exposure to gilts with small amounts. Over a decade or more, returns from these funds tend to be sound.
'If you are investing in a Ulip for returns, go for a type I Ulip.' 'If you are investing for insurance cover as well, type II is better.'
Purchase health insurance at an early age, before you incur a disease, as this makes access to health insurance difficult and raises the premium significantly.
'Those trying to use these funds for quick gains should avoid them due to risk of being late to the party.'
Long-term investors should never stop their SIPs during market corrections.
Do not get repair work started without informing the insurer as the latter like to carry out end-to-end verification of damages and documents before approving a claim.
'Save the entire chain of e-mail exchanges so that you have documented evidence to show you informed the bank about the issue.'
'In the new coalition government, India's reform agenda may prioritise job creation and factor market reforms.'
'Some buyers believe prices may correct in the future.' 'This is unlikely. Many developers are increasing prices amid strong sales and inflationary trends.'
Build a portfolio diversified across market caps, investment styles, and geographies.
Do not, however, enter expecting quick returns.
A crucial point anyone purchasing health insurance must heed is the need to declare PEDs.
Only investors with a higher risk appetite should enter these funds.
Health insurance coverage should be hiked periodically to keep pace with medical inflation, or increase in healthcare costs.
Why timebox? Most knowledge workers feel overburdened. Like The Joker in the Batman movies, we have all, at one point or the other, muttered to ourselves: 'So much to do, so little time.'
A portfolio can be rebalanced by either selling a portion of the outperforming asset class or by buying more of the underperforming asset class.
'Young investors with limited funds should ensure that investing in NPS does not crowd out their other, more liquid, investments.'
Investors should use a mix of active and passive funds.
Tactical investors should have an investment horizon of around six months to one year, long-term investors should stick around for 10 years or more.
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