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Devaluation Amazon pay balance changes - Category based restrictions

Iam surprised by reading... peoples have insurance premium of 40K, 50K and on....
What kind of insurance they have with such huge premium amount.

Is it Term insurance or Mediclaim Insurance?
Bhai HDFC Ergo Optima Secure medical insurance for a family of 4 will easily touch 40k especially if the eldest people are 40-50...if they are even older it will cross 50
 
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