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Dr Ashit Hegde | Answer |Ask -Follow

Consultant Physician, Internal Medicine and Critical Care Expert - Answered on Apr 18, 2023

Dr Ashit Hegde specialises in internal medicine and intensive care. He has nearly 40 years of experience and is consultant physician, intensivist and head of the critical care section at the PD Hinduja Hospital and Medical Research Centre.
He is actively involved in teaching and training residents for post graduate programmes in internal medicine and critical care.
He holds an MD degree in general medicine and therapeutics from the Lokmanya Tilak Municipal Medical College, Mumbai, and an MRCP from the Royal College of Physicians, Edinburgh.... more

Question by Amit on Mar 31, 2023Hindi

Health

Hello! Is there any cure/ precaution for Neurofibromatosis?

Ans: There is no cure for neurofibromatosis except surgery if indicated (if the neurofibromas are causing a problem).
Genetic counselling is advised

DISCLAIMER: The answer provided by rediffGURUS is for informational and general awareness purposes only. It is not a substitute for professional medical diagnosis or treatment.

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Hello! Is there any home remedy or any way out in homeopathy for NF1?

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Asked by Anonymous - Feb 12, 2025Hindi

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I closed my EPFO account when I left my job in 2020 after which I rejoined the same school after 3 years, my contract stated that I would get the EPF but no money was deducted nor did i get the employers contribution. I rejoined when I was 64 and I am still working at the same school, Please advise as to what I should do?

Ans: Hello;

Please discuss your revised terms of employment, after retirement, with the administration of your organization.

If there is any error then may be you both can find an amicable solution.

Escalation at this stage may harm your employment hence is neither advisable nor warranted.

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How much will a person have to pay tax if his annual salary income is ₹20 lakhs

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Question by Lone - Feb 01, 2025Hindi

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As of now I have opt for Old tax regime.. With my income of 11.89 LPA , can you please suggest which regime is good ,, Old or the new .. Also guide on tax saving components for the respective option

Ans: If you are going for Old Tax Regime then following options for reduction in Tax outgo
1. Standard Deduction on salary
2. HRA
3. NPS contribution from Salary
4. Investments under 80 C i.e. Life Insurance, Tax saving MF, 5 yr FD
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6. Voluntary Payment of NPS upto Rs.50000
7. If you have home loan then Home loan Principal can be claimed under 80C and Interest under House Property
8. Interest on Savings Account upto Rs.10000
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Hello.sir, FM says no tax upto 12 laks but she has also said tax Slabs where there are slabs varying from 0 to 30percent , not clear what to infer. Is this for those whose income is overand above the 12laks per amnum

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Hello sir I am 35 years old working in SBI with annual salary of around 20 lacs.Husband is also Railway employee and cricket coach with Annual income of around 15-20 lacs.We are based in lko We own a house worth 1.00 cr and have recently purchased anotger villa for self occupancy for around 1.7 Cr with a staff HL of Rs 91.00 lacs.Another liability is a staff car loan of rs.10.00 lacs with EMI 8000/-.We have 2 kids studying in class 8th and nursery. Please provide guidance to start our investment freshly for long term as we have spent our savings on buying home.

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Please provide following inputs:

1. Average monthly expenses (regular)

2. Total loan EMIs for a month

3. Emergency fund/EPF/PPF balance, if any.

This will help to guide you suitably.

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Hello sir, I want a health insurance which covers my wife's delivery cost, and if any complications occurred or my baby is pre delivered in 7 months, insurance to cover the baby NICU fees which may go upto 30 Lakhs for 3 months.

Ans: Hello;

Many health insurance companies offer coverage of maternity expenses in their plans, however you need to look out for:

1. Wating period ranging from 1 to 2 years. Maybe higher if spouse has some previous ailments like hypertension, diabetes etc and also if spouse age is higher.

Some companies may warrant a prior health check up before underwriting.

2. Sub-limits on coverage. For eg some companies offer limited neo-natal coverage.

3. List of network hospitals for cashless claim. Also need to avoid blacklisted hospitals.

4. Do your own study and also seek help from an insurance advisor.

Apart from private insurers do take a look at the offerings by Govt general insurance companies too.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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