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[FINANCIAL ADDA® @FinancialAdda]

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[FINANCIAL ADDA® @FinancialAdda]

Recently I have started trading in crypto

You can also Start your crypto journey with just ₹100

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[FINANCIAL ADDA® @FinancialAdda]

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⚡ The channel is open for new members only till tonight.

[FINANCIAL ADDA® @FinancialAdda]

Recently I have started trading in crypto

You can also Start your crypto journey with just ₹100

Explore coin DCX with my link and get 20% discount on brokerage

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[Sanjay Yadav @SanjayYada7n]

🚨 SHOCKING: Is the Spinal Cord an "External" Organ? @GoDigit says YES! 🚨

I am writing this for a 10-month-old child, Jayvik, whose future is being gambled with by @GoDigit.

Is this simplified insurance you represent @imVkohli

The company has REJECTED cashless and reimbursement- a critical spine surgery claim by calling it an "External Congenital Anomaly."

The Ground Reality: Baby Jayvik has Spinal Lipoma & Tethered Cord Syndrome. In plain English: fatty tissue is fused to his Spinal Cord inside his back, pulling on it. If not operated on, he faces permanent paralysis, leg weakness, and loss of bladder/bowel control.

Why @GoDigit is Medically & Legally WRONG:-
1The Spinal Cord is INTERNAL: Digit is calling this "External" just because they can see a small swelling on the skin. Does a bulge from an internal tumor make the tumor "external"? No.

2Medical Necessity: The Neurosurgeon at Bhatia Hospital certified this is Medically Necessary and NOT cosmetic. It’s to save nerve function, not for looks!

3IRDAI Violation: Per 2019 Guidelines, Internal Congenital Anomalies must be covered. By mislabeling an intra-spinal defect, Digit is bypassing the law.

The Demand: We request @kamesh_goyal and the @GoDigit team to review Claim No. 202600492491 immediately. Don't hide behind "Clause 22" to deny a baby the right to walk.

@IRDAI_India @jagograhakjago @consaff Please look into this clinical misinterpretation.

Everyone - Kindly Retweet. Let’s make sure Jayvik gets his surgery cost. #InsuranceGreed #GoDigit #HealthInsurance #JusticeForJayvik #IRDAI

[Arti Shah @TechByArti]

After 3 years using Claude, I can say it’s the technology that has revolutionized my life.

Here are 18 prompts I use daily that have transformed my day to day; they could do the same for you:

(Save this 🔖)

[FINANCIAL ADDA® @FinancialAdda]

@nakulvibhor Congratulations 🎉 sir ji

[Vibhor Varshney @nakulvibhor]

350K strong on Twitter ❤️

From posting countless charts, analysis & taking endless Q&A sessions... to learning through every up and down, this 5-year journey has been incredible.

Thank you for supporting, trusting & growing with me throughout.

This belongs to all of us 🚀

[FINANCIAL ADDA® @FinancialAdda]

@DhirRaman51239 @CareHealthIndia @J_S_Gujral @NIKHILLJHA @CareHealthIndia

[Jaskirat Singh Gujral 🇮🇳 @J_S_Gujral]

Congratulations to Team India for winning the ICC T20 World Cup! 🇮🇳🏆

Your hard work, teamwork, and dedication have made the whole country proud. This is a great achievement for Indian cricket.

Wishing the team many more successes in the future.

Regards,
Financial Adda

[FINANCIAL ADDA® @FinancialAdda]

🇮🇳India beats West Indies ro reach Semi Final of T20 Cricket World Cup 2026

[FINANCIAL ADDA® @FinancialAdda]

@NIKHILLJHA @StarHealthIns @CareHealthIndia

[FINANCIAL ADDA® @FinancialAdda]

Podcast is live guyzz

Please watch

Highly recommended
https://t.co/kQRGhF3LlL

[Jaskirat Singh Gujral 🇮🇳 @J_S_Gujral]

🔥 Podcast is Now LIVE! 🔥

Our powerful conversation with Kanwar Raj Singh Sodhi is finally out on YouTube! 🚀

20-year-old equity investor.
Marathon finisher of the Tata Mumbai Marathon.
Chess trainer. Content creator.

From starting with just ₹5,000 in the stock market to becoming a full-time equity investor…
From daily discipline to completing 42.2 km…

We discussed:
📈 Investing mindset
📊 ROE & stock selection basics
⚖️ Leverage
🎥 Content creation
💰 Financial freedom

If you’re serious about long-term wealth building and personal growth, this episode is a must-watch.

Watch now and share your biggest learning in the comments 👇🚀https://t.co/pfnINpJEvI

@FinancialAdda

[Jaskirat Singh Gujral 🇮🇳 @J_S_Gujral]

20 Key Changes in SEBI’s New MF Scheme Categorisation Circular

1.AMCs can now launch both Value and Contra Funds, with portfolio overlap capped at 50%. Earlier, only one was allowed.

https://t.co/WmRo0HdUKh Sectoral Debt Funds introduced (Financial Services, Energy, Infrastructure, Housing, Real Estate) min 80% in AA+ & above.

https://t.co/wcr0wHJUn4 Life Cycle Funds category, six maturities (30, 25, 20, 15, 10, 5 years) with fixed glide path reducing equity over time.

4.Sectoral/Thematic funds can be launched only from the list notified by AMFI in consultation with SEBI (updated half-yearly)

5.Balanced Hybrid Funds allowed with 40-60% equity allocation. Earlier, AMCs had to choose between Balanced or Aggressive Hybrid.

6.Solution-Oriented Schemes (Retirement & Children’s Plans) discontinued, fresh subscriptions stopped and schemes to be merged with similar categories.

7.Mandatory monthly disclosure of category-wise portfolio overlap (equity vs equity, debt vs debt, hybrid vs hybrid) on AMC websites.

8.Equity schemes may deploy residual allocation in money market/liquid instruments, gold/silver instruments, and InvITs.

9.Sectoral/Thematic schemes must limit portfolio overlap to 50% with other equity schemes (except large-cap). Calculated quarterly as average of daily overlap.

10.Existing Sectoral/Thematic schemes get 3 years to comply; non-compliant schemes must merge.

11.Arbitrage Funds’ debt exposure restricted to government securities (<1-year maturity) and repo in government bonds only.

12.Low Duration Fund renamed to Ultra Short to Short Term Fund.

13.Long Duration Fund renamed to Long Term Fund.

14.Dynamic Bond Fund renamed to Dynamic Term Fund.

15.Balanced Advantage Fund renamed to Dynamic Asset Allocation Fund.

https://t.co/NUZod0AuIY Risk Funds must invest minimum 65% in AA and below-rated bonds (earlier: below AA+).

17.Floating Rate Funds may invest in fixed-rate instruments synthetically converted to floating exposure via swaps/derivatives.

18.Hybrid schemes may invest residual allocation in InvITs (except Arbitrage), ETCDs, Gold ETFs, and Silver ETFs.

19.Equity Savings Funds must maintain net equity exposure between 15-40%.

20.Foreign securities will not be treated as a separate asset class.

@FinancialAdda @sumeetsmt @nakulvibhor

[Jaskirat Singh Gujral 🇮🇳 @J_S_Gujral]

“The Cost of Waiting: Why Parents’ Health Insurance Shouldn’t Be Delayed”

Day-21

Most people think about health insurance for parents too late.

Often the question comes only after diagnosis:
“My parents already have medical conditions.
Is health insurance still possible?”

The honest answer: Yes-but with limitations.

Here’s what changes when parents already have health issues 👇
• Premiums are higher
• Waiting periods apply
• Some conditions may have exclusions
• Coverage may start gradually

This doesn’t mean insurance is useless.
It means expectations must be realistic.

Health insurance for parents works best when:
✔ Bought before major illnesses
✔ Started in their late 40s or 50s
✔ Given time to complete waiting periods

But even after 60 or with existing conditions,
having insurance is often better than having none.

Because medical costs in later years are:
• Frequent
• Unpredictable
• Emotionally stressful

Another hard truth 👇
Parents usually don’t plan insurance for themselves.
Children end up planning it for them.

That’s why timing matters.

Health insurance for parents is not about perfection.
It’s about reducing financial stress during difficult times.

The best time to buy it
was before illness.
The second best time
is now.

At what stage did you start thinking about health insurance for your parents?

👉 Want to buy Health Insurance or need expert guidance?
Reach out to us at [email protected] or visit https://t.co/VYLEsRkJuj to get started.

[Jaskirat Singh Gujral 🇮🇳 @J_S_Gujral]

“Hospital Bills Don’t Start at Admission - And Don’t End at Discharge”

Day-22

Your hospital expenses do not begin and end with hospitalization.

Your Medical expenses may begin before hospitalisation
and continue after discharge.

Many people ask:
Does health insurance cover these costs?

The answer is: Yes-but within defined limits.

Here’s how it works 👇

Pre-hospitalisation expenses
These are costs incurred before admission, such as:
• Doctor consultations
• Diagnostic tests
• Medicines related to the illness

Most policies cover these for 30 to 60 days before hospitalisation.

Post-hospitalisation expenses
These are costs incurred after discharge, such as:
• Follow-up visits
• Medicines
• Tests advised during recovery

Most policies cover these for 60 to 180 days after hospitalisation.

Two important things people often miss 👇

• Expenses must be related to the same hospitalisation
• Bills and prescriptions must be properly documented

Anything outside the defined time period
or unrelated to the treatment
is usually not covered.

This is why people feel:

“Insurance didn’t pay everything.”

In reality, insurance paid as per policy rules.

Understanding these limits early
helps you plan expenses and avoid surprises.

Health insurance doesn’t just cover hospital rooms.
It covers a treatment journey-with conditions.

Were you aware of these pre- and post-hospitalisation limits in your policy?

👉 Want to buy Health Insurance or need expert guidance?
Reach out to us at [email protected] or visit https://t.co/VYLEsRkJuj to get started.

[Jaskirat Singh Gujral 🇮🇳 @J_S_Gujral]

"Claims Get Rejected for One Common Reason — Non-Disclosure"

Day- 23

Why honesty is more important than premium in health insurance claims.

Most health insurance claim rejections are not random.
They often trace back to non-disclosure of medical history.

Many people hide past conditions because they fear:
• Higher premiums
• Longer waiting periods
• Policy rejection

What’s often misunderstood is how claims are evaluated.

Here’s the reality 👇

Health insurance works on the principle of utmost good faith.
This means insurers rely on the information you provide
when issuing a policy.

During a claim, insurers may verify:
• Hospital records
• Past prescriptions
• Diagnostic reports
• Doctor’s notes

If a known medical condition was not disclosed earlier,
the insurer may question the validity of the contract.

This is why even an unrelated claim
can face rejection if non-disclosure is detected.

The intent matters less than the fact of non-disclosure.

Honest disclosure may lead to:
✔✓ Higher premium
✔✓ Waiting periods

But it also leads to:
✔✓ Policy continuity
✔✓ Predictable claim outcomes
✔✓ Peace of mind during emergencies

Health insurance doesn’t punish illness.
It punishes withheld information.

Transparency is not a risk in insurance.
It’s protection.

Were you aware that insurers verify medical history at claim time?

👉 Want to buy Health Insurance or need expert guidance?
Reach out to us at [email protected] or visit https://t.co/VYLEsRkbEL to get started.

[Jaskirat Singh Gujral 🇮🇳 @J_S_Gujral]

"Why health insurance claims get delayed, even when the documents are submitted"

Day- 24

Many people believe that once all the documents are submitted,
the claim should be settled quickly.

In reality, claim delays are often about verification, not missing papers.

Here’s what you should keep ready for a health insurance claim 👇

Key documents insurers usually require:
• Duly filled claim form
• Hospital bills & payment receipts
• Discharge summary
• Doctor’s prescriptions
• Diagnostic & test reports
• ID proof & policy details

For cashless claims,
most of this is handled by the hospital.

For reimbursement claims,
you are responsible for documentation.

So why do claims still get delayed even when documents are “complete”?

Common reasons 👇

• Bills don’t match treatment details
• Clarification needed from hospital or doctor
• Medical notes lack justification
• Policy terms need verification
• Additional documents are requested

This process takes time-especially in large or complex claims.

Important thing to remember 👇
A delay does not mean rejection.

It usually means:
✔ Cross-checks are ongoing
✔ Medical necessity is being verified
✔ Policy conditions are being applied

Claims move faster when:
• Documents are clear and consistent
• Records are organised
• Policy terms are understood in advance

Health insurance claims are not instant approvals.
They are medical and financial verifications.

Understanding this early
reduces stress during hospitalisation.

Have you ever faced a claim delay even after submitting all documents?

👉 Want to buy Health Insurance or need expert guidance?
Reach out to us at [email protected] or visit https://t.co/VYLEsRkbEL to get started.

#healthinsurance

[FINANCIAL ADDA® @FinancialAdda]

For health insurance queries please mail at [email protected] or what's app on 8882595299

[Jaskirat Singh Gujral 🇮🇳 @J_S_Gujral]

"Unhappy With Your Insurer? Don’t Let Fear Stop You From Porting"

Many policyholders stay with the same insurer for years
even when they are unhappy.

Why?

Because they fear:

• Waiting periods will restart
• No Claim Bonus will be lost
• New medical tests will reject them

Let’s bring clarity 👇

🔹 What Is Porting?

Porting means transferring your existing health insurance policy
from one insurer to another
without losing your accumulated benefits.
It is your right as a policyholder.

🔹 Does Waiting Period Reset?

In most cases - No.
If you have already completed waiting periods
(for pre-existing diseases or specific illnesses),

the new insurer must give you credit
for the time already served.

Example:

If you completed 2 years of a 4-year waiting period,
after porting you only need to complete the remaining 2 years - not start from zero.

🔹 What About No Claim Bonus (NCB)?

Your accumulated NCB does not disappear.

The new insurer carries forward your NCB
up to the base sum insured level.

However, terms may vary depending on policy structure.

Always compare carefully.

🔹 Will You Need Medical Tests?

Sometimes - yes.

The new insurer may:
• Ask for medical declarations
• Request fresh medical tests
• Reassess risk based on age and health

Porting is not automatic approval.
Underwriting still applies.

🔹 Important Things to Remember

• Porting must be requested at least 45 days before renewal
• You cannot port after policy lapse
• Porting does not mean identical benefits - compare features carefully

Porting improves insurer.
It does not automatically improve policy structure.

🔹 Final Thought

Porting is a powerful option
when:

✔ Service is poor
✔ Claim experience was unsatisfactory
✔ Coverage is outdated
✔ Better features are available elsewhere

But it should be a calculated decision - not an emotional one.

Health insurance is long-term protection.
Understanding portability rules helps you make smarter choices.

Have you ever considered porting your health insurance policy?

👉 Want to buy Health Insurance or need expert guidance?
Reach out to us at [email protected] or visit https://t.co/VYLEsRkJuj to get started.

#healthinsurance

[Jaskirat Singh Gujral 🇮🇳 @J_S_Gujral]

Excited for my 1st 5km run at new delhi marathon.

@Cognizant @asics @FinancialAdda