NEW NORMAL

 After pandemic which is continuing, at present, has changed the dynamics of every business across the world. The meaning of life has changed never before. As everything has changed so has real estate. Particularly in the Commercial segment is more painful than residential. We are listening that a good number of  IT and ITES company are leaving the premises and adopting Work From Home (WFH)  also a lot of other segments like Hospitality, Restaurant and construction part of the industry is in deep trouble. But going from data from government agency there is the transaction that is going on despite uncertainty in every segment and market. "Whats for me" Is there anything on which we can take a call as a retail customer? Is there is an opportunity for us? There is a lot of thing in the market where we can invest and earn. There is demand in the residential sector,  which we thought will diminish due to pandemics but it's not the case. The commercial property where maximum ch

Usually, we take health insurance with or without an advisor. Here we are going to take look at major points.      1. Normally we do not declare disease at the time of first policy purchase which is called a pre-existing disease. It takes usually 24 months to 48 months to cover (as per policy wording) If we declare  PED, there is a distinct possibility that we get the following option:- Outright policy reject. Policy insurance with or without loading. A policy with a specific time period waiting But if we do not declare it at the time of inception, at the time of need your claim can be rejected by the company.      2. Consumable is another item which is costing more than treatment (check).     3. Another major point in health insurance is organ donors & critical illness. Major surgery & critical illness are covered by the insurance companies.     4. Dental IPD & OPD are covered.     5. Child cover ( New Born Baby)      6. Animal Bite     7. Ambulance cover     8. Refill or