Kiran Jonnalagadda wrote:

> In my case, after that nightmare with the insurance agency, I dumped them
> and switched to ICICI Lombard, which let me buy it online. ICICI also cost
> some 30% more, but at that point I was very happy to pay the markup.

Try to claim from them I guess? Or from most of the TPAs out there? You'll soon 
learn that rules are on paper and meant to be interpreted in weird and 
wonderful ways. Even if you pay online.

The government owned banks / insurance providers screw you over far less than 
the private ones do.

> no dropbox. Have to pay your LIC premium? Why yes, they take online
> payments, but first visit your branch and apply for permission. What's that,

Actually, for my LIC I just registered my policies online, and made a payment 
or two online. Then after some time when I was passing by the area where the 
LIC office was, I just handed them printouts from the licindia.com online 
payment site - showing the policy registrations. And I think also the original 
policies and some ID so they could crosscheck. Quite legitimate that.. ensures 
that you didn’t screw up and enter someone else's policy there.

> If this puts me in the category of those people who are mysteriously of
> lower productivity when in India, so be it. The price of added productivity
> is not worth it. I'd rather be unhurried and focus on doing something
> meaningful.

Been working here (from home) for the past 8 years. And I think pulling a few 
more work hours than you a week. Havent seen lost productivity yet.  And I'm 
paying stuff online (electricity and water utility bills, income tax, property 
tax, etc) that I'd have to queue up for earlier.  And I'm getting my renewed 
passports sooner - and on time when they promise it, like a week after I apply 
for them.  Its getting better - possibly because I've seen worse.

        srs


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