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Geeta

Geeta Ratra  |125 Answers  |Ask -

Visas, Study Abroad Expert - Answered on Feb 03, 2024

Geeta Ratra has been an immigration expert for more than two decades and has strong knowledge of international immigration policies and procedures. She is vice president, operations, at Abhinav Immigration Services. Besides visa and immigration services, they also provide study abroad advice that includes application assistance, counselling and university shortlisting.... more
Asked by Anonymous - Jan 22, 2024Hindi
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Career

I am 40 year female and want to settle abroad. I work as a corporate trainer and my husband is in IT. We have 2 kids one in class 9 and class 6. I want my elder kid to study abroad after 10. What are the good options for us to consider?

Ans: At 40, a corporate trainer with an IT professional husband and two school-going children, exploring educational opportunities abroad for your elder child is a commendable goal. Options like the United States, United Kingdom, Canada, and Australia offer reputable institutions. Consider factors such as academic programs, cultural fit, and post-graduation opportunities. Research scholarship options, admission criteria, and potential career paths for your child. Engaging with educational consultants or attending overseas education fairs can provide valuable insights. Careful planning ensures a smooth transition for your family's international aspirations.
Alternately as your husband is an IT Professional can go for the permanent residence visa which is issued to all the family members and your kids can study in Australia while holding the PR status. You can contact us for the further information.
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Asked by Anonymous - Dec 29, 2023Hindi
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I am 40 years old and earning 60 lakhs pa in India. I am working as software consultant. my wife wants to migrate to abroad but I am not sure what are my optiobs at this age. kindly suggest which countries I can look for PR .
Ans: Based on your profession, experience, and salary, you have several options to consider for permanent residency. Here are some countries that are popular among software consultants:

Canada: Canada is a great destination for software consultants as it offers a dynamic workforce, high safety, and world-class free public healthcare. The country’s average pay grade or rather median salary for software developers is also quite remarkable. You can apply for permanent residency through the Express Entry program1.

USA: The US is a dreamland for technologists from across the world. The country attracts students, techies, innovators, entrepreneurs, and business leaders from across the globe. US-based companies are always one step ahead in hiring talented tech professionals from every country. To work in the US, you will need the H-1B visa, which is in high demand right now as the restrictions have been lifted by the US government2.

Japan: Japan has been instrumental in the growth of the global tech industry for more than 6 decades. It is considered one of the wealthiest nations across the globe. Techies from mechanical, chemical, data, electrical, chemical, AI domains can find plenty of high-paying jobs in Japan. So, if you are a software professional from India, Japan can be a great place for you to work2.

Switzerland: Switzerland is known for its high standard of living, excellent healthcare, and education systems. The country has a thriving economy and is home to many multinational companies. The Swiss government offers a range of visa options for skilled workers, including the EU Blue Card2.

Germany: Germany is a great destination for software consultants as it offers a dynamic workforce, high safety, and world-class free public healthcare. The country’s average pay grade or rather median salary for software developers is also quite remarkable. You can apply for permanent residency through the EU Blue Card2.

I hope this helps you make an informed decision. Please note that the immigration policies of each country are subject to change, so it’s best to check the latest updates before making any decisions.
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Financial Planner - Answered on Apr 28, 2024

Asked by Anonymous - Apr 27, 2024Hindi
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I want to purchase auto insurance for my Maruti Ertiga which I purchased two years ago. Which auto insurance policy will best look after my interests in the event of an accident which could lead to fatalities or lead me permanently disabled? I want to choose an auto insurance policy that will take care of hospitalisation as well as permanent disability.
Ans: In the unfortunate event of an accident with your Maruti Ertiga, a comprehensive car insurance policy will best serve your interests. Here's why:

Comprehensive Coverage:

• Third-party Liability: This is mandatory by law and covers any injuries or property damage caused to a third party due to an accident involving your car.
• Own Damage Cover: This protects your Maruti Ertiga from damages caused by accidents, theft, fire, natural calamities, etc.

Additional Coverage for Permanent Disability and Hospitalisation:

• Personal Accident (PA) Cover for Owner-Driver and Passengers: This add-on provides a lump sum payout in case of death or permanent disability due to an accident. You can extend this cover to include your passengers as well.
• Medical Expenses Cover: This add-on reimburses hospitalisation expenses incurred due to injuries sustained in an accident.

Here's what to consider when choosing an insurance provider:

• Claim Settlement Ratio (CSR): Look for insurers with a high CSR, which indicates a good record of settling claims promptly.
• Network Garages: Opt for an insurer with a wide network of cashless garages for repairs to ensure a hassle-free experience.
• Customer Service: Choose a company known for providing prompt and helpful customer service.

Popular Car Insurance Providers in India:

• Acko General Insurance
• HDFC Ergo
• The Oriental Insurance Company
• National Insurance Company
• Bajaj Allianz General Insurance

Researching and Comparing Policies

• Use online insurance aggregator websites to compare quotes from different providers. These websites allow you to input details about your Maruti Ertiga, your driving history, and desired coverage options. They will then provide you with quotes from various insurers, allowing you to compare prices and features.

Consulting a Financial Advisor

• Consider consulting a financial advisor who can help you assess your specific needs and recommend the most suitable car insurance policy for your Maruti Ertiga.
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