Term Insurance for PSU Employees: Why Your Group Cover Is Not Enough

Term insurance for PSU employees — why group cover alone is not enough

The wife who came looking for a job A few years back, a colleague in our PSU organisation died in service. He was not old. He had small children. And within weeks of his death, his wife came to the HR office — not to collect documents, but to ask if the organisation could give … Read more

Have You Updated Your Nomination? The One Form PSU Employees Forget Until It Is Too Late

PSU employee updating nomination form for EPF and gratuity

The Day Two Nominees Fought Over One Employee’s Money A colleague in my PSU died during his service. He had two wives. The first wife was documented — her details were on record with the organisation from the beginning. The second wife had no paperwork trail with the company at all. After his death, the … Read more

The “Free Medical” Trap: Why PSU Employees Think They Don’t Need Health Insurance (And Why They Are Wrong)

PSU employee reviewing private health insurance policy and medical bills

The “Sarkari” Medical Illusion In every PSU office across India, there is a silent consensus about healthcare. When a new joinee asks a senior colleague, “Should I buy a private health insurance policy?” the answer is almost always the same: “Why? The company will bear all your medical expenses.” This is the “Sarkari Medical Illusion.” … Read more