Wednesday, 17 April 2019
How NRIs can buy a life insurance plan in India
The best part is that it's not just Indians who reside in India who feel the need and see the importance of investing in life insurance. Indians well settled in a foreign land also understand the significance of life insurance to protect the needs and requirements of their family members. No wonder, life insurance is a one-stop solution to put your mind at ease. For Non-Resident Indians (NRIs), there are some significant advantages to purchasing Indian life insurance policies as the individuals can often readily benefit from the death benefit (regular term plans). Life insurance even provides the clients with a tax-free death benefit, assist in estate building and is an excellent financial instrument used for legacy planning (whole life term insurance), allowing insured to leave a legacy for the heirs. Luckily, there are numerous prominent life insurers in India who offer life insurance to NRIs as well. NRIs can now buy term insurance plans in India at premiums that are among the cheapest in the world. While it is an interesting initiative, there are numerous things that must be kept in mind by NRIs while buying into any such plans. Under the Foreign Exchange Management Act (FEMA), NRIs, as well as People of Indian Origin (PIOs), are allowed to buy a life insurance plan in India. The individuals - whether residing in India or not - are free to buy any plan that best meets their requirements of protecting themselves and their family members. To pay the premium, one may choose to pay through an NRO bank account, NRE/FCNR bank account or in foreign currency. However, if you choose to pay using foreign currency, it is important to check well in advance in which currency the policy was issued. In order to buy a term insurance policy from India, the NRI needs to go through a medical examination in the country of residence and its reports need to be sent to the insurer in India. After examining the reports, the insurance company takes a final call on issuing the policy, and the premium amount. Some insurers even allow policy seekers to go through tele medicals in order to issue a term policy. The NRI customer is asked a defined set of questions about medical conditions over a call, the basis on which the policy is issued. If an NRI has purchased a life insurance policy from an insurer in India, the policy is bound to cover death, irrespective of the country where the event occurs. The death benefit paid to the beneficiaries of the policyholder is in the currency specified in the policy document i.e. either in Indian Rupee or any other foreign currency. In order to make a death claim, the nominee needs to submit all the documents as mentioned in the policy terms. One must learn that the list of documents required may vary from one insurer to another. Some of the most common documents required for making a claim include a copy of the policy, death certificate of the insured, identity proof of the nominee, etc. Most importantly, if the death of the insured occurs in a foreign nation, the nominee needs to submit a death certificate duly attested by the Indian Embassy in the respective country. Listed below is a comparison of the prices of term insurance offered by five prominent insurers for a 35-year-old male non-smoker NRI, residing in UAE. The total sum assured is Rs 1 crore and the cover is up to 75 years. Company Plan Name Medical Examination Type Annual Premium (Rs.) ICICI Prudential Life Insurance iProtect Smart Tele Medicals 17,610 HDFC Life Insurance 3D Plus Life Option Tele Medicals 17,575 Max Life Insurance Online Term Plan Plus Mandatory Medicals 14,514 TATA AIA Life Insurance Sampoorna Raksha Mandatory Medicals 12,508 PNB MetLife Mera Term Plan Mandatory Medicals 13,683 *Source: http://www.policybazaar.com The author is Chief Business Officer- Life Insurance, Policybazaar.com. The article has been published in collaboration with Policybazaar.com. Opinions expressed are those of the author. DailyhuntDisclaimer: This story is auto-aggregated by a computer program and has not been created or edited by Dailyhunt. Publisher: The Indian Expresshttp://maklaregardet.blogspot.com/2018/08/hur-man-forhandlar-priser-med-din-miami.html
The aim of the direction was to protect the health and safety of employees. DailyhuntDisclaimer: This story is auto-aggregated by a computer program and has not been created or edited by Dailyhunt. Publisher: The New Indian Expresshttps://itsmyurls.com/meetupperse
Bomb in south west Pakistan kills 21: Official
However, Home Minister Ziaullah Langove, in a press conference, said that the blast was not targeting "a specific community". "Our guess is that no specific community was targeted. Marri Baloch and Frontier Corps (FC) personnel were among those killed as well. The numbers of the Hazara community were just greater," Langove said. He also described the blast as a suicide attack. Officials said that 21 people have been killed and 50 others injured in the blast. An Edhi welfare trust rescue official at the scene of the blast said he had counted around 21 bodies being taken to hospitals. At least eight of those killed in the bomb blast are from the Hazara community, Cheema said. The security forces fear the death toll may rise, GEO News reported. Buildings located nearby were also damaged in the blast, police said. No group has claimed responsibility for the attack. Cheema said that due to the blast, security has been provided to shopkeepers and traders at the market. "Traders who come from other parts of the city to buy fruits and vegetables at the market are escorted by police and Frontier Corp personnel," the officer said. Cheema said around 70 traders had come to the market in different vehicles and were escorted by the FC and Police. He said that the police and FC personnel had put up blocks at the entrance and exit of the market. "The security forces are here, police are here. What more can we do? We secure them (the community) and travel back and forth with them. If something is hidden in a shop, then the shopkeepers will need to be probed," the officer said. Hazaras make up a significant minority group in Pakistan and most of them live in Quetta. This is not the first time that the Hazara community has been targeted by militants in the province. Qadir Nayil, a Hazara community leader, asked the government to ensure better protection. "Once again our people were the target and once again we will have to bury our dear ones," he said. There have been similar terror attacks in the Hazarganj area of Quetta in the past. The market serves as a wholesale market for fruits and vegetables. Balochistan Chief Minister Jam Kamal condemned the attack and assured that the elements involved in the attack and those leading them would be proceeded against. "People who have an extremist mindset are a menace to the society. We must foil the conspiracy to disrupt peace," he said. Nearly half-a-million Hazaras have settled in Balochistan, many of them after fleeing war-torn Afghanistan. The National Commission for Human Rights (NCHR) last year stated that 509 members of the Hazara community were killed and 627 injured in various incidents of terrorism in Quetta from January 2012 to December 2017. NCHR official Fazeela Alyani earlier said that all these lives were lost in Quetta. According to the NCHR, targeted killings, suicide attacks and bomb blasts have inflicted harm to daily life, education, and business activities of ethnic Hazara community members in Balochistan's largest city Quetta. Balochistan, which borders Afghanistan and Iran, is Pakistan's largest and poorest province, rife with ethnic, sectarian and separatist insurgencies. ... DailyhuntDisclaimer: This story is auto-aggregated by a computer program and has not been created or edited by Dailyhunt. Publisher: Deccan Chroniclehttps://thefastdiet.co.uk/forums/users/reetasignaas/
Ranchi vector menace now alarming
Sleeping inside a mosquito net at night is fine. But we need to use nets in the day time too," said Singh.Ask Ranchi Municipal Corporation (RMC) and they say efforts like fogging were on to curb the vector menace, although residents', all mindful of last year's dengue outbreak in the capital, denied seeing any such effort in their area.RMC assistant medical officer Kiran Kumari insisted fogging was being done according to a roaster, but at least three councilors refuted her claim. "The last time I saw fogging machines in my area was six months ago," said Arun Kumar Jha, councilor of ward 26, comprising localities of Harmu Housing Colony. "There has been no fogging in my ward, which includes the slums of Karbala Chowk and Lower Bazar. I don't think any roster for fogging is being maintained," said ward 16 councilor Nazima Raza.Councilor of ward 10 Arjun Kumar Yadav said he got fogging done in his area, covering Kokar, Bhabha Nagar and Burwan Compound, last week after requesting the RMC medical officer. "Our area needs daily fogging" he said.The RMC has 10 thermal fogging machines of which eight work. "The problem will be sorted out soon. Mosquitoes have not even spared me, too," said Kumari. She revealed that this year, the civic body was, for the first time, procuring three cold-mist fogging machines to upgrade its arsenal against the vector menace. With a more precise aim, these cold-mist fogging machines, which cost Rs 30 lakh each, are superior to conventional thermal fogging ones. "By April 20, the three new machines would come and we will be able conduct fogging every alternate day. We also increased the number of workers from two to four in each ward," she said. The old-mist fogging technique, Kumari explained, was more effective to destroy dengue vectors (Aedes aegypti mosquitoes). "The chemical (insecticide) is mixed with water and sprayed with pin-point accuracy at identified adult mosquitoes resting places, like under drains, garden spots, interiors of houses, even discarded pots and tyres. The insecticide solution is mechanically broken down using high-speed rotary nozzles to produce an aerosol-like effect," she said.In contrast, thermal fogging uses chemicals mixed with fuels which have to be sprayed in the form of smog. "You can't have precision with a smog," she said. An RMC official said the civic body also had around 600 hand-held machines to spray larvicide, but even with that and the thermal fogging machines, they were hard-pressed to cover all 53 wards."Earlier, we could cover only two or three wards in a day. But with cold-mist fogging machines, we will be able to cover more number of wards in a day and that too with more precision," he said.In 2018, over 350 Ranchi residents suffered from dengue. Unconfirmed reports claimed two casualties but the health department did not accept it. Contacted, Ranchi civil surgeon Dr Vijay Prasad said, "Yes, there was a dengue outbreak in Ranchi last year but no casualty. The blood samples of two persons suspected to have died of dengue turned negative in the Elisa test," he said. In Jamshedpur, civic utilities firm Jusco has been using cold-mist fogging machines since a while. DailyhuntDisclaimer: This story is auto-aggregated by a computer program and has not been created or edited by Dailyhunt. Publisher: The Telegraphhttps://anotepad.com/notes/6ks4mj
Former Manchester United star Paul Scholes charged with betting offences
"It is alleged he placed 140 bets on football matches, contrary to FA Rule E8, between 17 August 2015 and 12 January 2019. "He has until 26 April 2019 to respond to the charge." Scholes' spell in charge of Oldham started brightly with a win, but he failed to pick up another victory in his next six games and left with the side languishing in 14th place in the fourth tier. Scholes, who won 11 Premier League titles and two Champions League trophies during a glittering playing career with United, resigned as a club director at Salford, while retaining his 10 percent stake, before taking the Oldham job. DailyhuntDisclaimer: This story is auto-aggregated by a computer program and has not been created or edited by Dailyhunt. Publisher: The New Indian Expresshttps://ask.fm/zinzaajustinz
The hunchback of civilisation
Generations that had come to rely on this social safety net, as a matter of national pride and identity, see it going up in smoke.On Monday, so was the cathedral, which for centuries has enshrined an evolving notion of Frenchness. The symbolism was hard to miss.This fire is not like other recent calamities.When flames killed dozens trapped in Grenfell Tower in London, it exposed a scandalous lack of oversight and a city of disastrous inequities. When a bridge collapsed in Genoa, Italy, also taking life, it revealed the consequential greed of privatisation and a chronic absence of Italian leadership. When the National Museum of Brazil burned down, also through unconscionable government neglect, it wiped a tangible swath of South American history from the face of the earth, incinerating anthropological records of lost civilisations.Notre-Dame, where no one died, represents a different kind of catastrophe, no less traumatic but more to do with beauty and spirit and symbolism.Visited by some 14 million people a year, the cathedral, established during the 12th century, is the biggest architectural attraction in Paris. It is an emblem of the old city - the embodiment of the Paris of stone and faith - just as the Eiffel Tower exemplifies the Paris of modernity, joie de vivre and change.Not that Notre-Dame hasn't changed. Scarred repeatedly, it is a kind of palimpsest of French history. Finding its Gothic architecture outmoded and ornate, Louis XIV destroyed much of the church's interior and swapped it out for one he regarded as more classically tasteful.During the Revolution, insurgents ransacked the cathedral, plundering treasures and decapitating statues of Old Testament figures on the building's facade, which they mistook for portraits of French kings. They rededicated Notre-Dame to the Cult of Reason, melting its great bells.By the time Victor Hugo's Hunchback of Notre-Dame imprinted the cathedral in the minds of countless readers, the building was pretty much a wreck. Hugo called it a "vast symphony in stone" as "powerful and fecund as the divine creation", and despaired that it had come to be an object of ridicule.The popularity of his book helped reposition Notre-Dame as a symbol of French identity, inspiring its restoration by 19th-century architect Eugène Viollet-le-Duc. Viollet attempted to restore the church's Gothic character, undertaking a vast project of architectural reinvention and private imagination, redoing the figures on the facade, recreating stained glass windows and adding many ornate touches, including to the spire that just burned down.When the spire collapsed, all those layers of history seemed to evaporate.Through its many transformations, Notre-Dame has remained "the great stage where great events in France have been rehearsed and repeated for centuries", as historian Robert Darnton has put it - where the cathedral's archbishop blessed the flags carried by French armies going off to war, before crowds of weeping parents and spouses. Where Parisians wept on Monday, as they also did along the banks of the Seine and at the plaza of the Hôtel de Ville.Back in 1871, the Paris Communards, their revolt dying out, adopted a scorched-earth policy and burned down the Hôtel de Ville, with its paintings by Delacroix and Ingres. So the building from which Parisians watched the fire is a reconstruction.The cathedral had been undergoing an extensive restoration. Gargoyles were broken, balustrades had collapsed, flying buttresses were stained by pollution. Water had seeped through cracks in the spire's wood frame.What a sad paradox it would be if it turns out that the restoration somehow accidentally led to the conflagration. It seemed, from early reports, to be the wood in the spire that accelerated the blaze, causing most of the roof to collapse.Promising the French people he would rebuild Notre-Dame, which he called "the epicentre of our lives," President Macron cancelled his speech about the Yellow Vests. He still plans to proceed with his proposals.France today is wrestling with how to reinvent itself for a new age. Considering the great sweep of time, the current Yellow Vest uprising will no doubt come to seem like just another data point in the long evolution of a nation that has survived setbacks and returned, again and again, to an abiding glory.In his landmark television series Civilisation, standing before Notre-Dame, art historian Kenneth Clark asked: "What is civilisation? I don't know. I can't define it in abstract terms - yet. But I think I can recognise it when I see it."He turned towards the cathedral: "And I am looking at it now."Someday, the fire of 2019 may fade into the history of Notre-Dame. It may take many years to repair the damage.But the great cathedral will reinvent itself, too. DailyhuntDisclaimer: This story is auto-aggregated by a computer program and has not been created or edited by Dailyhunt. Publisher: The Telegraphhttp://gfxdesignsedge.blogspot.com/2018/08/joy-och-humor-av-en-fastighetsmaklarefo_14.html
After Darbar, Rajinikanth might work with either H Vinoth or KS Ravikumar
He heard Vinoth's story and really liked it. However, he hasn't given his nod yet,' a source told Hindustan Times. Rajinikanth with AR Murugadoss before the launch of Darbar's shoot in Mumbai earlier this month. Ravikumar, on the other hand, has worked with Rajinikanth in blockbusters such as Muthu and Padayappa. However, his last outing Lingaa with the superstar turned out to be a debacle. In order to make up for that failure, Ravikumar is keen on joining hands with Rajinikanth. Game of Thrones season 8 episode 1 Winterfell review: Bran wins the episode, Jon Snow and Arya Stark's reunion fades out One of the two projects is most likely to be announced later this year. Meanwhile, Rajinikanth has currently shifted all his focus on Darbar, which sees him play a cop after 25 years. The film stars Nayanthara as the leading lady. This will be her third outing with Rajinikanth after Chandramukhi and Kuselan. The makers are yet to reveal the rest of cast. Anirudh Ravichander has been confirmed to compose music. While Santosh Sivan will crank the camera, Sreekar Prasad will take care of editing. The film was originally supposed to be bankrolled by Sun Pictures, who backed out after the recent Sarkar controversy. The latest update is that Lyca Productions, the makers of 2.0, have taken over the reins of the project and have said to have given the go ahead. This would be the third outing for Lyca Productions with Rajinikanth after Kaala and 2.0. DailyhuntDisclaimer: This story is auto-aggregated by a computer program and has not been created or edited by Dailyhunt. Publisher: Hindustan Timeshttp://www.feedbooks.com/user/4549272/profile
'Gay' Mayor Pete Buttigieg launches Presidential bid
Buttigieg, who is credited with helping turn South Bend around, has couched himself as a can-do reformer who can speak to voters across the political spectrum. The message has helped catapult him from relative obscurity to becoming one of the leading Democrats in the crowded presidential race. "My name is Pete Buttigieg. They call me 'Mayor Pete.' I'm a proud son of South Bend, Indiana, and I am running for president of the United States!" he told a jubilant crowd of supporters at a former assembly plant turned high-tech hub in South Bend. "That's why I am here, to tell a different story than 'Make America Great Again'" he added, referring to Trump's campaign slogan. "This time it's not just about winning an election. It's about winning an era." The official launch -- in which Buttigieg touched upon a number of liberal talking points such as racial justice, voting rights and health care reform, as well as his faith and marriage to Chasten Buttigieg -- is expected to give his surprisingly strong campaign an additional boost. Campaign staffers said they have been caught by surprise by the speed with which the mayor has generated nationwide political support, and are still staffing up the campaign. Buttigieg had no speech writer to help him prepare his remarks. So many people showed up for the launch event that a large crowd was left outside in the rain to watch on a large video screen. Buttigieg braved the elements and thanked the crowd moments before making his official announcement indoors. "He represents a new generation of Democratic leadership. We love his vision," said Jenn Watts, 35, while her three-year-old daughter sat on her shoulders. They were in the cavernous event space in the former plant of defunct automaker Studebaker waiting more than two hours to see Buttigieg speak. "As a young mom with a young daughter, he represents what I want my daughter to see in leadership in this country," Watts added. In the three months since he declared an exploratory committee to test a presidential run, Buttigieg has raised $7 million, more than most other candidates, and jumped to third place in the latest polls of voters in Iowa and New Hampshire -- the earliest states to vote in next year's primary elections. The popular mayor who speaks eight languages and plays classical piano has been the focus of countless news stories and profiles. The fascination has been in no small part due to his background: he would be the youngest, first openly gay, first millennial and first mayor to become president. But Buttigieg must still overcome the perception that his youth and thin resume as mayor of a town of just 100,000 leaves him lacking the experience necessary for the presidency. "I recognize the audacity of doing this as a Midwestern millennial mayor," Buttigieg said. "But the moment we live in compels us to act." Drew Corbin, a 24-year-old college student clutching four campaign T-shirts he had purchased for friends and wearing a campaign cap, said he still had not fully committed to the candidate. "There's a lot of candidates. I don't want to make up my mind so soon, almost a year before the primaries," Corbin said. "But he's definitely my favorite right now." Buttigieg's launch at Studebaker called to mind the plant's closure in 1963 that was still reverberating in the city in 2011 when he was elected mayor. He set out to tear down decaying, abandoned homes and restore the blighted Studebaker complex to make it suitable for new high-tech companies. In an unlikely feat, the city has reversed decades of population decline and attracted new businesses and development, with the mayor's popularity growing in the process. "His appeal, for many people in South Bend, is his ability to look forward and to focus on better days ahead," South Bend-based political science professor Elizabeth Bennion of Indiana University told AFP. "Once people looked at his resume and heard him speak, many started talking about the fact that he was destined for national politics." ... DailyhuntDisclaimer: This story is auto-aggregated by a computer program and has not been created or edited by Dailyhunt. Publisher: Deccan Chroniclehttps://www.viki.com/users/yoz_kelv_oz_k_eene_e_98/about
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