Ram Grover

.

If you were to write a book and I came to you to autograph my copy of it, what would you write in it? | |

| |

#🏃

[Ram Grover @RamGrover]

I am at a place where they are filling cylinders with oxygen. There is a line on the main road, from where the cops and civil defence allow about 5 to 7 people to go inside with the cylinders. There are rickshaws etc who load the cylinder and then ride till the gate...

[Ram Grover @RamGrover]

@MsAnjaliB Trust

[Tushar @tushar]

Point to be noted.

[Ram Grover @RamGrover]

@snskritinaruka I miss you too good night and do not have any idea about the four of the following questions and answers in our bit of the year I am not have to be able to come to my home and do not have any questions for you to be able to come to my home and do not have any questions for you to

[Ram Grover @RamGrover]

@PallaviPareek @mehrotra_saket I went to aiims recently to see a doc. Reached at 9 am, waited till 4.30 pm in line, only to be given a slip that referred me to another line on Tuesday.

[Chaitanya @chaaai]

😷 Travel Insurance is completely broken in India

Regardless of who you buy the policy from, there are very high chances that you will not be able to get anything meaningful out of it.

🤒 Medical Emergency

Let's consider a likely scenario, something I have experienced first hand.

You get conjunctivitis, an eye infection leading to blurry vision, which means you can't do much and most likely wont get better on its own.

If you're in the US, a visit to an Urgent Care will cost you anywhere between $50-$100 and you'll walk out with a prescription amounting to $30, you end up with a total bill of $100.

Most insurers will not offer cashless facility unless you are admitted for at least 24 hours, highly unlikely in most cases.

The only option you have is to file for a reimbursement, most insurers will hand you an email where you send all your documents with a bunch of signed paperwork and wait for weeks to get it approved.

Another very weird clause you'll often find on travel insurance policies, if your claim amount is expected to cross $1000, you need to inform the insurer first before utilizing cashless, if you fail to do it, the insurer will only cover a percentage of the total cost.

Imaging somebody doing that when they are being rushed to an ER, how stupid is that?

✈️ Trip Disruption

This involves a bunch of things, your policy document suggests they will take care of pretty much everything that one may encounter, lost bag, missed connection, delayed flight and what not.

However, things are not as simple when it comes to filing for claim, you are again put in a situation where you need to come up with documentation solid enough to leave no room for a denial.

What a lot of people don't realize is that a insurance claim is not the only way to get things done.

> Say you couldn't take the flight because of the same eye infection we talked about earlier and need to reschedule your flight, the airline says you need to pay $200 in change fee and the fare difference. The insurer will most likely refuse to help with this or just slap the generic "File for a reimbursement once you are back".

What a lot of folks don't know is most if not all airlines can waive off some of these fees even if you have the lowest category fare booked (fare difference is not something you can escape) in case of medical emergencies, and it's significantly easier to do that than deal with an insurance provider.

Why I feel it's fundamentally messed up is because regardless of them covering all trip related incidents, the probability of your claim getting approved depends on you doing everything right and collecting every bit of information when things are going wrong. Making the entire process even more stressful.

🙏 It would be super helpful if you can share your travel insurance related experiences in this thread.

[Ram Grover @RamGrover]

@rons1212 happy Birthday

[Ram Grover @RamGrover]

@kalapian_ Paranthas okay for lunch?
:))

[Ram Grover @RamGrover]

@sredits @PallaviPareek

[Ram Grover @RamGrover]

@tushar You just did

[Ram Grover @RamGrover]

@captain_speakin Mine's open

[Tushar @tushar]

Getting the right people is more important than getting the right idea. If you give a good idea to a mediocre team, they will screw it up. If you give a mediocre idea to a brilliant team, they will either fix it or throw it away and come up with something better.

—-
@edcatmull

[Ram Grover @RamGrover]

@Sritika_ Were you supposed to

[Ram Grover @RamGrover]

@captain_speakin You

[Ram Grover @RamGrover]

@MasalaBai +1
"6 days"

[Ram Grover @RamGrover]

At times I think why was I the only one left.
Yet to figure this one out.

[Ram Grover @RamGrover]

Even today, despite it being more than an year passed of the four cremations, I sometimes think to myself let me go and ask this and that, only to realise conversations will never happen again. Truly, life is only once. Gone is truly gone forever.

[Ram Grover @RamGrover]

Today is one of those days when the feeling of loss is overwhelming.
Covid19 took away so much.
Sometimes one realises later in life the true magnitude of the loss.

[Ram Grover @RamGrover]

@KabraAakanksha Zero responsibility to open the door to the garbage collector, househelp, car cleaner, cook breakfast, pack lunch, iron the shirt, switch on the geyser, boil and cool milk before putting in the fridge.

[Ram Grover @RamGrover]

@Sritika_ Like make fun of you?

[Ram Grover @RamGrover]

@FugaciousOne Happy Diwali

[Ram Grover @RamGrover]

@FugaciousOne Happy Birthday