Amol

Music lover....

[Amol @riki3x]

@elecityps Shared over DM

[Amol @riki3x]

@elecityps auto driver please do the needful, I was threatened, abused, he was smashing my car window, despite he being on the wrong side, ecity ph1,Neeladri Road, opp Concorde manhattan

[Amol @riki3x]

@elecityps Electronic city phase 1, Neeladri Road, opposite Concorde Manhattan building

[Amol @riki3x]

@NrOpines__ Ye phattu hai.. Waiter bolke block kiya fattu, Khud saala fraud kar raha hai logo se 2.5k 5k leke telegram se bheek maang ke khata. Khudka Baap waiter tha, lumdu India ke bahar gaya nahi kahi fattu.. Report karo saale ko, aur dum hoga to unblock kar aur aa

[Amol @riki3x]

@satishtheta

[Amol @riki3x]

@satishtheta

[Amol @riki3x]

@satishtheta Na tere se hui na usse hogi🕳️

[Amol @riki3x]

Real Talk: The "Sharks" (Institutions) aren't necessarily rigging it; they’re just following the math. While FIIs sell, DIIs and 15Cr+ Demat holders are the only wall standing.
​Are you hedging for the "new normal" or still trading like it’s 2021? 🧵👇

​#Nifty50 #StockMarketIndi

[Amol @riki3x]

Is the Indian Options market a playground for "Sharks" or just a shifting tide? 🦈📈

​The game has changed. With SEBI’s 2025-26 reforms—mandatory upfront premiums and the end of expiry-day spread benefits—the era of "cheap leverage" for retail is fading.

[Amol @riki3x]

Geopolitics: West Asia tensions & $100 Brent crude are squeezing India’s macro stability.

​Valuation Reset: FIIs are rotating to cheaper "AI-cycle" markets like Taiwan & Korea.

[Anand Kr Shaw @AnandShawKr]

₹50,000 premium. ₹15 lakh coverage. ₹0 peace of mind.

India's health insurance system is broken. And no one's fixing it.

Let me tell you what happened to my family last week.

My wife needed gallbladder surgery. We have HDFC Optima Secure with @HDFCERGOGIC . We've paid premiums for years. We did everything right - got cashless approval, chose a network hospital (@ManipalHealth Whitefield), followed every process.

On 26th Dec, I received the settlement letter:

"Amount to be paid by insured: ₹0"

Surgery happened. It went well. She was recovering. We were ready to go home.

The hospital refused to let us leave.

Despite holding a valid insurance document that said we owe NOTHING, they wouldn't discharge a recovering patient. My wife sat in that room - tired, in pain, wanting to go home - while I begged at the billing counter.

We were only "allowed" to leave after I blocked ₹X,XX,XXX on my credit card.

A patient. Held hostage. In a hospital. In India. In 2025.

Then on 30th Dec, magically, a new settlement letter appeared:

"Amount to be paid by insured: ₹X,XX,XXX"

Same surgery. Same bills. Same everything. But now I suddenly owe lakhs.

Here's how the trick works:

The hospital bills ₹5.8L. The insurance company says "we have an MOU with the hospital, agreed package rate is ₹1.9L." So they settle for ₹1.9L.

The remaining ₹3.9L? "Patient to pay."

But wait - the MOU is between the hospital and insurance company. The "agreed package rate" is THEIR agreement. Why is the patient paying the difference for a deal they negotiated?

The letter was updated AFTER we left. The hospital and insurance company sorted it out between themselves. The patient? Just a pawn in the middle.

Both letters say: "No amount to be collected from insured"

Their own words. Their own document. Exposed for what it is - meaningless paper.

This is not a one-off incident. This is the system working exactly as designed:

→ Insurance companies collect premiums for years, then find ways to deny or reduce claims → Hospitals inflate bills knowing insurance will negotiate down, and patients will pay the difference → Patients are trapped between the two - too exhausted to fight, too scared to refuse → IRDAI exists but is reactive, not preventive - they'll act after you file a complaint, not before you're harassed
Where is the protection for patients?
Where are the regulations that say a hospital CANNOT hold a patient hostage for payment disputes?
Where is the accountability when an insurance company issues two contradictory letters and expects the customer to just figure it out?

We pay GST on premiums. We pay taxes. We fund the regulators. And when we need help, we're left standing at a billing counter, blocking credit cards to take our family home.

I've filed a complaint with @IRDAI_official. I have every document. I'll fight this.

This is not customer service failure. This is systemic exploitation.

@HDFCERGO - honor your own document. Claim: RC-HS25-15349896_1 Policy: 2856205638548200

@IRDAI_official - regulate before patients are harassed, not after.

@JPNadda - health insurance is not a luxury product. Millions of Indians depend on it. The current system is failing them.

@raghav_chadha Need your help to raise this insurance scam in parliament.

[Amol @riki3x]

@anandmahindra Sir beauty lies in the eyes of the beholder.. The moment "we" talk about building and "maintaining" the infrastructure, we are creating a nuisance and uncivil "nature" to it... Personally I feel one should stop promoting good places to visit at least in India. ⛔

[anand mahindra @anandmahindra]

These photos of the Konkan region in the monsoon were shared by @sandesh_samant along with the comment: “Maharashtra is so underrated and we have created no infrastructure for tourism.”

I wouldn’t agree that we created NO infrastructure. He may have said that in order to be emphatic.

But his intentions are good and
his statement applies to our entire country.

Breathtakingly beautiful landscapes.

All underrated and all waiting for our appreciation…

#SundayWanderer

[Amol @riki3x]

The worst bank award in India should definitely go to ICICI bank.. @UfterYou @BandBajaateRaho @jagograhakjago @consumerforum_ @thebharatseva @consumersathi I applied for Amazon ICICI credit card, 5 Days into it, major process flaws and lapses,reason why consumers shudnt opt ICICI

[ICICI Bank Cares @ICICIBank_Care]

@riki3x @amazonIN @AmazonHelp Hi, we are concerned to know that you had to face this. We will connect with you at the earliest to help resolve your concern. Regards, Team ICICI Bank

[ICICI Bank Cares @ICICIBank_Care]

@riki3x @amazonIN @AmazonHelp Hi, we are concerned to know that you had to face this. We will connect with you at the earliest to help resolve your concern. Regards, Team ICICI Bank

[Amol @riki3x]

@ICICIBank_Care @amazonIN @AmazonHelp Nobody bothers to even connect from ICICI bank
, nobody responds to DMs.. I would like to cancel this cards application.. Highly disappointed with process.

[Amol @riki3x]

@amazonIN @ICICIBank_Care @AmazonHelp no progress since last 4 hrs.. Stop false claiming of approval process in 30min.. Unimpressed

[Amol @riki3x]

@AmazonHelp How can I cancel the card processing, as this AI bot chat support is useless.

[Amol @riki3x]

@AmazonHelp Today is Monday, as per policy it's a working day .. What are the working hours.
? As your claim of 30 approval process is still flawed.. Stop making fakes claims..

[Amol @riki3x]

@AmazonHelp What are working hours and non working days in a week?

[Amol @riki3x]

@AmazonHelp @amazonIN @ICICIBank_Care No clarity about non working day or working hours mentioned.. That means.. The first step itself is flawed big time.. As expected.