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How does a critical illness insurance help?

How does a critical illness insurance help?
Senior man communicating with female receptionist while women sitting in background

Illness can come unwarned and can catch you off-the-guard. While there isn’t much that you can do when it happens, here’s something that you can do before it hits you – buying critical illness insurance. While the market does gives you a plethora of insurances that you can opt for, here’s is all that you need to know about the critical illness insurance before you buy it. This will not only tell you the features of the insurance but, will also give you an insight as to how it helps you.

Here are some of the points that we will cover in this article:

  • What is a critical illness insurance?
  • Why should you buy it?
  • How to buy it?

Let’s elaborate on these points:

  • Critical illness insurance:

Critical illness policy is predominantly designed to offer coverage against some of the most life-threatening diseases. In today’s time, opting for the best treatment for your illness can be a challenge, especially when it comes to finances. The critical illness insurance, helps you seek a good treatment for your illness without draining out your funds. Which means, this insurance not only covers your hospitalization cost but also costs such as doctor visits, medical expenses, etc. will also be covered in this insurance.

Plus a critical Illness policy also pays you a lump sum amount which can be used to cover other high expenses of your treatment.

  • Benefits of a critical insurance policy:

Apart from the coverage, here are some of the other benefits that come along with this insurance.

  • Tax deduction benefit
  • 100% benefit payout, if diagnosed with a terminal illness
  • Protection against disability
  • Accidental death benefit to the nominee
  • Critical illness benefit
  • How can you buy a critical illness policy:

There are a couple of ways to approach the buying of critical illness insurance.

  1. Through financial institutions: you can directly approach a bank or check their online application for buying this insurance.
  2. Through an agent: many life insurance policy agents also specialize in offering critical illness policy too. So, you can even approach agents who can help you buy this insurance.

However, it is crucial that you get a clear understanding of which policy suits your needs the best. Also, a critical illness insurance premium calculator will also help you get a better picture of how your finances will look like once you purchase the policy.

We know that illness – critical or not, can be terrifying; thus, it helps to be financially covered at such times. The critical illness insurance certainly does that.

3 experiences you shouldn’t miss during your Ahmedabad visit

3 experiences you shouldn’t miss during your Ahmedabad visit

If you have been planning to visit the city of Sabarmati River, Gandhi Ashram, the greatest avenue of cloth merchandise, diamond cutting and the land of Garba, then here’s what you should know – we have noted the top 3 experiences in Ahmedabad which you should enjoy before catching your Ahmedabad to Delhi flight

1. Manek Chowk

Nestled in the old part of the city, Manek Chowk is an energetic and busy town square. It caters to everyone’s needs, young and old alike. It is a vegetable market in the morning, turned bullion market by afternoon, and as the evening hours strike, it turns into every foodies’ dreamland. Whether you want extravagant fashion and accessories or the drool-worthy Tava Pulao and sinful chocolate pizza, your search ends at Manek Chowk.

The perfect time to visit is from October to February.

Some things to keep in mind are:

  • The place is heavily crowded. Visit in the early hours if you want to dodge it
  • Drink water and stay hydrated
  • The afternoons tend to get really warm, so stack up on sunscreen and take your cap along
  • Use plastic money but keep some cash handy
  • Carry a lighter bag

2. Lal Darwaja

Ahmedabad is a total retail therapy, and it has shopaholics covered from top to bottom. For all those who have their Ahmedabad to Delhi flights booked, please do not halt your shopping list to shop in Sarojini. Apart from Bangkok Street, Dhalgarwad, and Sindhi Market, Lal Darwaja is one place you just cannot miss out on. It’s located in the old city and has some intriguing lanes that will lead you to some never seen before art. Shopping in Lal Darwaja is complemented by some amazing Gujju delicacies like dhokla, fafda-jalebi, and khakhra-achar. You also have stalls for pani-puri, samosas, and dosas.

Local fabrics, sarees, dupattas, skirts, chaniya cholis, books, Indian footwear in enigmatic color are the highlights here.

3. Sidi Bashir Mosque

Popularly known as Jhulta Minar, this historical icon is one of the rarest architectural wonders of the country. It owes its name to the fact that if one of the minarets is shaken at a point in time, then another minaret will shake in a few seconds without the connector passage transmitting any vibrations. Historians, architects, and physicists are yet to figure out the rationale behind these swinging minarets.

It’s a 500-year-old structure in Sakar Bazar. It’s very close to the Kalupur Railway Station, i.e. the central railway station of Ahmedabad. A lot of local buses run to and from this landmark, which is something we would recommend taking a ride on during your trip to Ahmedabad.

Ahmedabad has something for everyone, and this is one city from where nobody has ever gone back disappointed. Book your Delhi to Ahmedabad flight today!

5 Symptoms of Endometriosis Women Should Know Of

Endometriosis can be extremely painful, both emotionally and physically, while almost 30% to 50% women affected by the ailment being at risk of infertility. In fact, one in 10 women are affected by endometriosis during their reproductive age, says an article by India Today. The best course of action is to get endometriosis treatmentas early as possible. For this, you need to know the common symptoms of the disease.

Common Signs of Endometriosis

Here are the most common signs that you need to seek treatment.

Menstrual Cramps

Menstrual pain is a common occurrence in women, but if the pain is extremely intense, you might have endometriosis. They are often called “killer cramps” because they can disrupt your daily routine completely. The endometrium grows out of the uterus and gets attached to other body parts. This worsens the normal menstrual cramps to a great extent.

Painful Intercourse

Two thirds of all women affected by endometriosis have reported difficulties during sexual intercourse. The most common problem is extreme pain during and after intercourse. The pain ranges from deep to mild, depending on the level of penetration. The endometrial tissue can grow anywhere – behind the vagina, around the uterus or in the fallopian tubes. Penetration irritates these tissues, which causes discomfort.

Excessive Menstrual Bleeding

Heavy bleeding, with and without clots, during and in between the menstrual cycle might be an indication of endometriosis. It might also be a sign of endometrial cancer. You might also start bleeding way before your due date and bleed longer than usual. This happen because just as the uterine lining bleeds during menstruation, so do the endometrial tissues.

Infertility

In advanced cases of endometriosis, the fallopian tubes are scarred and blocked by endometrial tissue, which forms outside the uterus. This tissue also causes inflammation, which can cause chronic pain in the pelvis. Apart from this, the hormonal environment required for healthy egg growth is altered, the ovaries could be damaged, the egg quality might dip and the rate of embryo implantation in the uterus could decline. All these factors contribute to infertility.

Abnormal Bowel Movements

Bowel symptoms are common in people who suffer from endometriosis. Some women even have endometriosis directly on their bowels. Many areas in and around the affected area might also get inflamed. Prostaglandins are released from the endometrial tissues, which increase the contractility of the bowels. This causes severe diarrhea or intestinal pain. Apart from bowel infection, diarrhea, rectal bleeding, constipation and bloating, particularly during menstruation, are indications that you might have endometriosis.

If you are experiencing one or more of these conditions, it is time to consult a doctor. The first step is to use tools like the Endometrial Receptivity Array to diagnose the problem and decide on the best endometriosis treatment or any other procedure required to improve chances of pregnancy.

5 Easy To Follow Tricks To Save Tax

5 Easy To Follow Tricks To Save Tax

If you are a working professional then you must know the horrors of paying tax at the end of each financial year. There is a lot of hassle around the process and taxes take away a significant amount of your money as well. That is why many people tend to save taxes by various ways. You need to follow tax saving plan if you want to save your tax. You should choose your tax saving schemes depending on which slab of income you are in. Here are some ways to help you save your taxes.

Invest in life insurance:

Life insurance is a good way of saving taxes. Life insurance policy offers financial protection to one’s family in case the person opting for that policy dies. This is not only a good investment option for your family but also provides ways to save taxes. A life insurance policy runs on premiums paid at different intervals and on the occasion of the policy doer’s death a lump sum amount is paid to the family of that person. Thus, doing a cheapest life insurance policy helps both your family in your absence and helps you as well by saving your taxes.

Take home loan:

Taking a home loan is also a very good way of saving taxes. If you are paying 1, 00,000 each year for the principle and interest amount then you will be eligible for tax deduction. You should also keep in mind that taking a loan for renovating your home also has tax saving benefits. Thus, whether you apply for a home loan to build a new house or renovating your old house, you will be able to save considerable tax money.

Buy health insurance:

Another good way of saving taxes is buying health insurance policies. The costs of health care amenities are going high day by day and having a health insurance policy will save you from paying hefty amounts for any medical situation. Moreover, by paying regular premiums for your health insurance policy you will be able to save some amount of taxes.

 Fix deposit your money:

You can also FD your money to get tax saving benefits. If you keep 1 lakh or 2 lakhs as fixed deposit then you will get lucrative rates of interest and your taxes will also be saved for the year. The lock period in which a FD works is five years. Fix depositing your money will thus save your taxes along with providing you interest and thus growing your money.

Invest in mutual funds:

You can also use ELSS or Equity Linked saving schemes to save your taxes. These schemes come with a lock period that spans of three years and helps greatly in saving taxes.

Above are mentioned some of the ways in which you can save taxes. There are various other ways in the market of saving taxes. No matter which way you choose make sure to do proper and detailed research before jumping in it.

Tips To Remember During a River Rafting

Tips To Remember During a River Rafting

Water sports have been widespread in recent times. Water sports such as kayaking, river rafting has been very famous among the youth these days. These water sports help people in a lot of ways. It increases their confidence, removes their fear of water, and gives them a fantastic experience of a lifetime.

Why do people opt for river rafting?

River rafting is one of the water sports that not only give an adrenaline rush but also provide a fantastic experience to the people who actively participate in this sport. Kolad rafting helps people to gain a lot of confidence. India has many rivers, and this sport has been predominant in most of the rivers. A large number of people opt for this sport as well as trained professionals help them to enjoy it.

What should you do during river rafting?

River rafting is one of the most amazing and exciting water sports that are now available in almost all the perennial rivers and some of the non-perennial rivers where there are rapids and gorges present in the river. People now love to enjoy this sport. Therefore there are few rules that one must always remember when they are on the river. These rules are specially taught before river rafting, especially in Kolad raftingSome of them are:

  • Get a professional rafter – It is very crucial to go on river rafting with a professional person who is an expert in river rafting. He must have a government license that provides him a permit for river rafting. He should be well trained so that he can handle any unwanted situation or emergencies in the river properly. He should know all the rules and regulations and techniques of river rafting.
  • Wear proper life jackets – wearing a life jacket for safety is a must before the river rafting. It must always be of perfect fittings. All the buckles and clips must be closed properly. This will save everyone from any accident.
  • Oars must be appropriately held – It is essential to maintain the paddle properly. The professional must show how the oars must be held in the river. This will ensure safety.
  • You should know the swimming techniques – Before going into the river for river rafting, the people must see the swimming techniques correctly so that somehow they fall into the river or intentionally jump into the river then they should know how to swim back to the boat even if they have a life jacket on them. One should not stand up on the boat when they when there is a moving current in the river.
  • You should never panic – One thing that every person should always remember is that they should never panic while they are on the river. The professional will gradually take you to the banks, but if you panic, this will make him nervous and might cause accidents.

Therefore you must always trust your guide and obey what he says while you are riding on the boat. It is essential to remain calm and quiet in emergencies so that they can land safely.

4 Best Options after Completing B Tech

4 Best Options after Completing B Tech

Once you are an engineering graduate, there are a lot of career choices that you can follow. As students start to approach their 3rd and 4th years of engineering, they start to get confused. A lot of opportunities await them once they finish college. The important thing is to gather knowledge regarding the jobs and the career paths during the B Tech courses. It is a very good idea to be clear about what you would like to do once you are out of college. These are some of the best options available for candidates.

  1. Getting a job after graduation – As engineering is all about application, most students opt for jobs once they complete their courses. There are excellent opportunities for jobs after engineering, especially for B Tech CSE. The engineering colleges also offer campus placements for their students. It would be better to get a job through the placement examinations. It might prove difficult to get a job once you are out of college. The objective should be to get placed when companies visit your college to recruit students.
  1. Pursuing higher studies – If you did not get a job immediately after college or want to pursue higher education, you have some options before you. Higher education always increases the chances of getting a job. Not many people are interested in higher studies, but investing time in them can yield long-term benefits. A lot of universities conduct their admission tests, but the most common one is probably the Graduate Aptitude Test for Engineering (GATE) examination. Doing an MS from a foreign university could also be a great idea. You would need to clear TOEFL/IELTS (for proficiency in English) and GRE (for scholarships).
  1. Doing an MBA – Some students get a degree in management after their engineering course. An MBA degree can be very rewarding in terms of salary. Engineers who have good technical skills can get bored soon and without the management degree, they might be stuck. An MBA degree from NIIT University can be quite rewarding. The degree helps you to get a lot of exposure and gives you the potential to earn more. A student who wants to pursue their dreams in management after their B Tech courses should sit for the CAT examination.
  1. Entrepreneurship – If you have a unique business idea and money to invest in your business, entrepreneurship can be the way to go. Entrepreneurship is the thing everyone is doing these days and you should get involved too. However, you should not get carried away with the idea of being rich and popular. Entrepreneurship is all about a lot of hard work with no initial guarantee of success. People who are not from an affluent background should get involved in a job to gather the capital. Students in B Tech CSE can earn money easily through their jobs.

These are some of the best options for students after completing their B Tech courses.

3 Benefits of child life insurance

3 Benefits of child life insurance

One of the best gifts that you can give your child a bright and secured future. While there are many ways to do this, one of the safest ways to go about securing your child’s future is by buying a child life insurance.

With the rising demands and expenses of the day, planning a financially safe future for your little one has become a challenge, which is why opting for a child life insurance plans is a practical thing to do. Generally, parents opt for this insurance when to save up for their child’s education, but the child life insurance comes with tons of benefits. We mention some of them below.

  • Helps with college fees:

It is a dream of every parent to see their child succeed as a professional. Thus, they wish that their child takes up professional courses such as engineer, architect, lawyer, or doctor. All of these courses require a considerable amount of financial backup. Thus, as a rule of thumb, parents are advised to commence investing in the best policy for their child early. If you start investing as soon as the child is born, by the time the child reaches its college years, they will have a substantial corpus that will take care of their educational needs and facilitate future expenses.

  • Partial withdrawals for extra-curriculum:

Another benefit of these child career plans is that they allow partial withdrawals. This helps when you want to support your child’s talent, such as acting or instrument playing. These partial withdrawals will enable you to withdraw finances to pay for additional classes. Some children may take to travelling and learn, the child plans in India allow you to withdraw from the policy for the same. Before you opt for the policy, check their periodic payouts. Some plans offer payouts at certain ages that will help you meet the expenses incurred while enhancing your child’s talent further.

  • Add-on or additional riders:

Life any other life insurance, the child life insurance policy helps you add or choose additional riders. There are many plans that offer to waive off the entire premium that is to be paid during the policy. This is allowed only when the insured person has an unfortunate event. Other riders that can be attached to this policy are personal accident insurance rider, which protects the policy even when the insured is severely injured.

Apart from this, you can also support your child’s school education with the child life insurance policy. Also, the make of the policy allows you to skip capital erosion during market fluctuations.