Sagar G Rajput

[Fundamental Investor ™ 🇮🇳 @FI_InvestIndia]

My brother broke his fingers during a football game few days back. We went to a hospital nearby and got an XRay done. K-wire Surgery was suggested.

He has a very good comprehensive Health Insurance Policy which covers everything. Day Care & Non Consumables as well.

So yesterday, he went to one of the Top Hospitals in our city to meet another Doctor to consult & get the surgery done.

The hospital suggested to stay for 24 hours in a Private Room (since his insurance was entitled to it). They said that they would raise a Bill of around 3 Lakh for the same. They also mentioned that he would have to pay around 10% for Non Consumables.

He immediately called me. I told him two things:

1. You can use Day Care facility. If procedure is more than 2 hours, you do not need to be hospitalized for 24 hours. Please consult the doctor for the same.

2. We have already paid for Non Consumables in our Policy. So you do not pay a single Rupee for it. Inform the hospital that you know these things. Share your policy copy with them.

My brother asked the doctor if hospitalization is necessary. The doctor said that we need not stay back. My brother opted for a General Ward because he was not going to spend the night.

Once the hospital came to know that we are AWARE of all this, they raised an approval for 2 Lakh (instead of 3 Lakh) for General Ward + Stay (inspite of we stressing that we won't stay back)

They got a pre Authorization for ₹1.6 Lakh in few minutes.

Today morning my brother went to the hospital at 6 AM. By 9 AM surgery began. By 9.30 AM it was done. He woke up sometime later due to Anaesthesia. He was shifted to the General Ward.

The Hospital raised the Final Bill of ₹121556 (since it was Day Care and we didn't stay). I think there was some Policy Discount on that and it came to around ₹114786.

The Insurance Company just approved the bill of ₹114786 now. We had to pay ZERO to the Hospital.

I am typing this as my Brother is getting ready to go home now. Been a long day. We will claim our Pre Hospitalization Expenses later as Cash Reimbursement.

My learnings:

1. Ensure your policy has Day Care Treatments. You can save time, money & energy. Use the 2 hour Day Care facility as much as you can. Hospitals would always push for hospitalization to charge more. I am not saying that this is always the case. Use your own discretion and the doctor's advice. In this case, hospital was pushing for hospitalization, but doctor suggested that day care was enough. Always ask. Ask questions.

2. Ensure that Non Consumables is part of your cover. It is worth it. It's a simple rider which you need to take while taking a policy. Take the best Non Consumables rider.

Sharing this so that it benefits everyone. I have given a detailed checklist on how to choose the right health insurance for your family.

Make sure you take the best.

We are all only one hospital bill away from poverty 🔥🔥🔥

I am also a shareholder of my Insurance Company. It is Listed Company.

I am happy that they paid for it. I am happy that Hospital didn't get a Huge Amount for the Surgery by making us Stay for a Night.

Awareness is key ❤️ Share this with your audience so that it can benefit all.

#FI

[Harsh Goenka @hvgoenka]

PLAN: Identify your priorities
FOCUS: Eliminate distractions
EMPOWER: Delegate tasks
REFRESH: Take breaks
EVALUATE: Reflect on your progress

[Harsh Goenka @hvgoenka]

watch your thoughts, they become your words;
watch your words, they become your actions;
watch your actions, they become your habits;
watch your habits, they become your character;
watch your character, it becomes your destiny.
~Lao Tzu

[Harsh Goenka @hvgoenka]

Some Life Rules:

1. Give people more than they expect and do it cheerfully
2. When you lose, don’t lose the lesson
3. Spend some time alone
4. Remember the 3 R’s- respect for self, respect for others, responsibility for your actions
5. A loving atmosphere at home is important

[Misha @mishadavinci]

The future is already here.

The 1% who understand it will run the world.

Here's a list of 24 top resources to get up to speed (for free):

[World of Statistics @stats_feed]

Largest companies by country (market cap):

🇦🇷Argentina → MercadoLibre
🇦🇺Australia → BHP Group
🇦🇹Austria → Verbund AG
🇧🇪Belgium → Anheuser-Busch Inbev
🇧🇷Brazil → Petrobras
🇰🇭Cambodia → Sihanoukville Autonomous
🇨🇦Canada → Royal Bank Of Canada
🇨🇱Chile → Sociedad Química y Minera
🇨🇳China → Tencent
🇩🇰Denmark → Novo Nordisk
🇫🇮 Finland → Nordea Bank
🇫🇷France → LVMH
🇩🇪Germany → SAP
🇬🇷Greece → OTE Group
🇭🇰Hong Kong → AIA
🇮🇹Italy → Enel
🇮🇸 Iceland → Alvotech
🇮🇩Indonesia → Bank Central Asia
🇮🇳India → Reliance Industries
🇮🇪Ireland → Accenture
🇮🇱 Israel → Mobileye
🇯🇵Japan → Toyota
🇱🇺Luxembourg → ArcelorMittal
🇲🇾Malaysia → Maybank
🇲🇽Mexico → Walmex
🇳🇱Netherlands → ASML
🇳🇿New Zealand → Fisher & Paykel Healthcare
🇳🇴Norway → Equinor
🇵🇱Poland → PKN Orlen
🇵🇹Portugal → EDP Group
🇷🇺Russia → United Heavy Machinery
🇸🇦Saudi Arabia → Saudi Aramco
🇸🇬Singapore → DBS Group
🇿🇦South Africa → Naspers
🇰🇷South Korea → Samsung
🇪🇸Spain → Inditex
🇸🇪Sweden → Atlas Copco
🇨🇭Switzerland → Nestlé
🇹🇼Taiwan → TSMC
🇹🇭Thailand → Airports of Thailand
🇹🇷Turkey → Sasa Polyester
🇦🇪UAE → International Holding Company
🇬🇧UK → AstraZeneca
🇺🇸US → Apple

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RIP Legend 🙏

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The modern diet has destroyed your gut health.

Use these 10 tips to fix your gut:

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Here are 6 graphs everyone needs to see:

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This short video made my day.
Beautifully explained!!

#humility #forgiveness

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[Andrew McCarthy @AJamesMcCarthy]

If you own a telescope, spread the love. I just spent the whole night showing trick-or-treaters Saturn and Jupiter. Watching them (and their parents) suddenly realize space is quite accessible is incredibly gratifying. Space is up there waiting for everyone to discover it.

[Nithin Kamath @Nithin0dha]

What Gen Z & even millennials don't think about enough is that the retirement age is dropping fast due to technological progress & life expectancy going up due to medical progress.
In 20 years, retirement could be at 50 & life expectancy at 80. How do you fund the 30 years? 1/5