K. Sashindran Nair

[K. Sashindran Nair @nairjula]

@InvestWithAkhil Wrong again. Please rework your calculation. It's Rs. 72806. Not 70500.

[K. Sashindran Nair @nairjula]

@garajesh31 @InvestWithAkhil I keep much more to use it mainly to apply for quality IPOs under BHNI category. Occassional allotment and exit on the listing day makes my effective annual return anywhere between 12 to 14% of the SB balance.

[K. Sashindran Nair @nairjula]

@InvestWithAkhil I am afraid, you are wrong!! Expect a more diligent and vigilant calculation by the practising CAs. The effective interest rate on 12 lakh is 6.067 %. Ask me how.

[K. Sashindran Nair @nairjula]

@Dr_sandeep01 From Rs. 8 lakh eleven years ago to 23 lakh? Muted growth. Just a CAGR of 10.08 % is nothing great to talk about.

[K. Sashindran Nair @nairjula]

@star_orm Pre-auth had NO sub-limit. How can you pass an arbitrary package cap of ₹7,865 to the patient?
​See you before the Insurance Ombudsman, Kochi. @IRDAI_IN

[K. Sashindran Nair @nairjula]

Internal grievance (Docket 28981842) rejected with generic template, ignoring policy wordings. Forced to escalate to Insurance Ombudsman (Kochi). Is this your commitment to senior citizens? Claim: CIR/2027/141113/0904059. @IRDAI_IN #HealthInsurance #StarHealth 2/2

[K. Sashindran Nair @nairjula]

@star_orm @star_orm @StarHealthIns This is the exact boilerplate reply sent on 28-Sep that evades basic policy terms! Star Health Assure Coverage 27 EXPLICITLY covers Consumables.Why deduct?
Microwave generator (₹5,700) is surgical equipment under Clause 1.iii, not non-payable overhead!

[K. Sashindran Nair @nairjula]

@star_orm Thank you. Please note that a formal complaint is already pending before the Insurance Ombudsman, Kochi. I expect a fair resolution covering the full disallowed amount of ₹15,676 as per policy terms without further procedural delays.

[K. Sashindran Nair @nairjula]

@StarHealthIns Arbitrary cashless disallowance of ₹15,676 during thyroid ablation at Aster MIMS Calicut for my 61yo wife! Pre-auth confirmed 0% co-pay & NO sub-limits. Yet, covered consumables (Clause 27) & surgical generator equipment (Clause 1.iii) were rejected! 1/2

[K. Sashindran Nair @nairjula]

@ValueWithPrem Aldun is the answer. Sign up with Aldun. Once discharged and the final bill is ready, you can straight away leave. Aldun takes care of the settlement with the hospital if the approved amount is less than the final bill. You have 7 days to settle Aldun amt interest free.

[K. Sashindran Nair @nairjula]

@NIKHILLJHA My wife and I had taken ayush treatment recently and got the claim of Rs. 1.72 lakh settled for Rs. 1.51 lakh from Star health. Of course, there were a series of enquiries mainly because we took the treatment at the same time.

[K. Sashindran Nair @nairjula]

@investorniti Got one HNI lot..

[K. Sashindran Nair @nairjula]

@ruchirkanakia Stare Assure and Star Super Surplus Floater

[K. Sashindran Nair @nairjula]

@balakoteswar I have been doing this for the past two years in my wife's and my account. Occasional HNI IPO allotment and exit on the listing day made my annual return in 12-13 % range

[K. Sashindran Nair @nairjula]

Prompt service by KSEB @KSEBLtd. Kalpetta. Kudos to C. Sivadasan Overseer for being decent n customer friendly. Had submitted an ownership change request online. Mr. Sivadasan took genuine interest, remained in contact until the process was seemlessly completed. Love! @CMOKerala

[K. Sashindran Nair @nairjula]

@investorniti Yes. An HNI lot.

[K. Sashindran Nair @nairjula]

@investorniti Hello Bhai, Does applying above the cut off price of Rs.373.10 increase allotment chance?

[K. Sashindran Nair @nairjula]

@ca_onlygain Hello Bhai, Does applying above the cut off price of Rs.373.10 increase allotment chance?

[K. Sashindran Nair @nairjula]

@NIKHILLJHA I have Star Assure policy with sum assured Rs. 10 Lakh covering me and wife. How is this policy?

[K. Sashindran Nair @nairjula]

@investorniti Yes. I got hni and shareholder quota allotment