For foreigners living here long-term, it works if you have residency—premiums come from pension deductions, and care levels from 1 to 5 decide your support amount. But what they pay for, yaar, is a strict list—like a rigid raga that won't bend for the notes you actually need to sing. My mother is Level 5, and the insurance would not cover a simpler home aid so she could hear her old Garhwali hymns; it only offered a clinical care plan. So the system works, but its melody often misses the heart's rhythm.
#life#career
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