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Hi all, I was on a break in my carrer and now I got an offer from Deloitte as part of their encore program.as per the offer letter its a 16 week on job training ,post that I will get confirmed. Any one know about this process and how tough it is.i have other normal offers also now, but wish to be a part of deloitte.is it good to leave other offers and join Deloitte for this training? Suggestions plz, if anyone is aware of encore program
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Which one will be a better choice considering Projects, wlb and job security
Cerner Corporation - 23 fixed
Fidelity Investments 24( including 20% bonus) Wipro -26(10% variable)
HCL Technologies 27(13% variable)
Genpact -24(10%variable)
Tech stack- Java full stack
Yoe-8+
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Hi Sharks, Can anyone tell what is the pay band for C4 grade in Mindtree.. The current offer is 15.5 from Infy.. and 21 from a small product based firm.. Yoe - 10 and Tech stack - Salesforce Qa sales and service cloud, Manual test manager, qa lead
15 days NP remaining
How much can I ask for..Mindtree
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I had been in your shoes. I had opted for Corporate parental insurance. However, please hear an alternate perspective as to why you should not go with a corporate policy for your parents unless you foresee major medical expenses in the upcoming 1-2 years.
You would not stick with this company forever. Some corporate medical policies are good, some are bad. So you cannot predict if the next one would be equally good or better.
Additionally, nowadays, 2L, 3L, 5L are bare minimum coverage since the medical expenses have sky rocketed.
Hence, I recommend investing in an external medical policy even if it has a 2 or 3 years waiting period. Invest in a good policy, declare all pre-existing ailments and get a good coverage limit. You would thank me after 2-3 years when your parents would be covered for all ailments.
P.S. The current corporate rates you have shared are expensive and you would be able to get an external policy at a slight premium.
Rising Star
Not finalised yet.
This is expensive, however unfortunately parental top-up insurance usually have expensive premiums, possibly because no prior testing is done, to check pre-existing conditions, at their (older) age in an employee plan top-up.
And yes, the premiums mentioned are usually per parent. You can take medical insurance from HDFC Ergo or Star and compare whether that is cheaper/better than this company policy.
You can cover if they are not covered elsewhere because beyond 60 it's difficult to get health insurance. This should still be less than buying outside anyway.
Looks like expensive.
I got top up of sum assured of 7lac with adding 2 parents at around 12-13k
Rising Star
Which company?
My company is providing insurance till 5L for self + spouse + parents for free and also if you want to increase the cover, for total 15L you just have to pay extra 15000.
UKG
Which company?
Rising Star
CG
Looks expensive, which company?
What is the premium we need to pay in tcs for parental insurance?is there any copay as well?
See I will share my experience for this u need to pay 17700 rs for mom and 17700 for father and coverage is 2lpa and u can opt more via choosing 21 or 25 with ,3/5 lpa .
Thing is it's 80/20
20% anyhow you have to pay rest 80% company
If you go outside remember helath issues like BP sugar or prolonged disease are not covered for 1st 2 years so if ur parents has those ur premium is of no use .
But in company it's not the case it's all covered regarding of any disease and no age bar ,so choose wisely.
Rising Star
True that, even I'm a believer of going with company policy but the premium this time has shot up like anything, with my ex employer it was much better, which led me to compare both these, but of course that's an unreasonable comparison.