I am a 32 year old government servant with Basic salary of 82590/- and I am deducting Rs. 13,500/- monthly towards KGID with assured sum of Rs. 40,23,000/-, My question is, considering the inflation is the assured sum worth it?

Ans: Evaluating the Worth of Assured Sum Considering Inflation

As a 32-year-old government servant with a basic salary of Rs 82,590, you are currently contributing Rs 13,500 monthly towards a Karnataka Government Insurance Department (KGID) policy with an assured sum of Rs 40,23,000. Your concern about whether the assured sum is worth it, considering inflation, is very valid. Let's evaluate this comprehensively.

Understanding the Impact of Inflation

Inflation erodes the purchasing power of money over time. What Rs 40,23,000 can buy today will be significantly less in the future due to inflation. Typically, inflation in India hovers around 4-6% annually. Over 20-30 years, this can drastically reduce the real value of your assured sum.

Assessing the Assured Sum

While Rs 40,23,000 may seem substantial today, it’s essential to consider its future value. In 20 years, at an average inflation rate of 5%, the purchasing power of this amount will be considerably less. This means that the financial security you perceive today may not hold the same value when you actually need it.

Considering Your Financial Goals

Your financial goals and responsibilities play a crucial role in determining if the assured sum is adequate. As a government servant, you might have benefits like a pension, but it’s essential to ensure that your family’s financial needs are fully covered in case of any unforeseen circumstances. Evaluating your long-term goals, such as children’s education, marriage, and retirement, is crucial in this context.

Alternative Investment Options

While the KGID policy provides a sense of security, exploring other investment avenues can offer better inflation-adjusted returns. Diversifying your investments can help in building a robust financial portfolio.

Mutual Funds and Systematic Investment Plans (SIPs)

Mutual funds, especially actively managed funds, can provide better returns compared to traditional insurance policies. Investing in equity mutual funds through Systematic Investment Plans (SIPs) can help combat inflation and build wealth over the long term. Actively managed funds are preferred over index funds due to their potential to outperform the market through professional fund management.

Disadvantages of Index Funds

Index funds passively track market indices and do not aim to outperform them. This means that during market downturns, your investments in index funds will also suffer. They lack flexibility and do not provide the active management needed to navigate market volatility effectively.

Advantages of Actively Managed Funds

Actively managed funds have professional fund managers who make strategic decisions to outperform the market. They can identify undervalued securities and manage market fluctuations effectively. This active management approach can provide better returns and help in achieving your long-term financial goals.

Understanding Direct vs. Regular Mutual Funds

Direct mutual funds have lower expense ratios but require you to make all investment decisions. This can be overwhelming without professional guidance. Regular funds, invested through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential, offer valuable advice and help in selecting the right funds.

Disadvantages of Direct Funds

Managing direct funds requires significant financial knowledge and time. Without expert guidance, you might miss out on potential opportunities or make poor investment choices. The cost savings from lower expense ratios in direct funds might not compensate for the potential loss in returns due to lack of professional management.

Benefits of Regular Funds

Investing through an MFD with a CFP credential provides access to expert advice, ensuring your investments align with your financial goals. They help navigate market complexities and make informed decisions. The additional cost of regular funds is justified by the professional guidance and support you receive.

Insurance vs. Investment

Insurance and investment serve different purposes. Insurance is meant for risk coverage, providing financial security to your family in case of your untimely demise. Investment, on the other hand, aims to grow your wealth. Relying solely on an insurance policy like KGID for wealth accumulation is not advisable.

Term Insurance

A better approach is to separate insurance from investment. Consider opting for a term insurance policy with a higher coverage amount at a lower premium. Term insurance provides pure risk coverage without any investment component, ensuring your family is financially protected.

Investing the Savings

The savings from opting for a term insurance policy can be invested in mutual funds or other investment avenues. This combined approach of adequate risk coverage through term insurance and wealth accumulation through investments can provide better financial security and growth.

Evaluating Investment Cum Insurance Policies

If you currently hold LIC, ULIP, or other investment cum insurance policies, it’s essential to evaluate their performance. These policies often have high charges and lower returns compared to mutual funds. Surrendering these policies and reinvesting in mutual funds might be a better option.

Maintaining Liquidity

Liquidity is crucial to meet unforeseen expenses. Keeping a portion of your investments in liquid assets, such as savings accounts or short-term fixed deposits, ensures you can access funds without disrupting your long-term investment strategy. Maintaining an emergency fund of at least six months of living expenses is advisable.

Tax Implications

Consider the tax implications of your investments. Different investment avenues have varying tax treatments. For instance, long-term capital gains from mutual funds are taxed differently than interest from fixed deposits. Planning your investments and withdrawals to minimize tax liabilities is crucial for optimizing returns.

Health Insurance

Health expenses can significantly impact your financial stability. Ensure you have adequate health insurance coverage to protect your savings from being depleted by medical costs. Regularly review your health insurance and update it as needed to ensure comprehensive coverage.

Reviewing Your Financial Plan

Financial planning is not a one-time activity. Regularly reviewing and adjusting your financial plan is essential to ensure it remains aligned with your goals and market conditions. Life events, such as marriage, childbirth, or job changes, may necessitate adjustments to your plan.

Engaging a Certified Financial Planner

A Certified Financial Planner (CFP) can provide personalized advice tailored to your unique situation. Their expertise can help you optimize your investments, manage risks, and achieve your financial goals. Engaging a CFP ensures you have a professional guiding your financial decisions.

Empathy and Understanding

We understand that managing finances and planning for the future can be overwhelming. Your dedication to securing your family’s financial future is commendable. Seeking professional guidance to navigate these complexities can provide peace of mind and help you make informed decisions.

Genuine Compliments

Your proactive approach to evaluating your financial plans at a young age is commendable. This foresight will benefit you and your family in the long run. By exploring various investment options and seeking expert advice, you are on the right path to securing a robust financial future.

Systematic Withdrawal Plan (SWP) in Mutual Funds

A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount from your mutual fund investments regularly. This can provide a steady income stream while keeping the remaining funds invested. An SWP is an effective way to manage your mutual fund investments for regular income. It helps in mitigating the risk of market volatility and ensures a disciplined approach to withdrawals.

Advantages of SWP

Provides a regular income stream.
Keeps the corpus invested for potential growth.
Tax-efficient compared to lump sum withdrawals.
Flexible withdrawal amounts and frequency.
Implementing an SWP in your mutual fund investments can help you generate the desired monthly income while keeping your investment intact for future growth. It is a practical approach to manage your retirement income needs.

Final Insights

Considering inflation, the assured sum of Rs 40,23,000 may not be sufficient in the long term. Diversifying your investments to include actively managed mutual funds, term insurance, and other avenues can provide better financial security and growth. Engaging a Certified Financial Planner (CFP) for personalized advice ensures your financial plan aligns with your goals. Regularly reviewing and adjusting your financial plan is crucial to stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Firstly, congratulations on your diligent savings and wise investments. You have built a substantial portfolio with Rs. 7 crores in fixed deposits, Rs. 10 crores in tax-free bonds and equity, and an additional rental income of Rs. 38,000 per month. Your concern about inflation and future financial security is valid. Let's explore a comprehensive plan to ensure your and your mother's financial well-being.

Understanding Your Current Financial Situation

Your current assets provide a solid foundation. Fixed deposits offer safety, tax-free bonds provide steady income, and equities ensure growth potential. Your rental income adds a steady cash flow. However, inflation can erode purchasing power over time, making it essential to plan strategically.

Evaluating Your Income Sources

Fixed Deposits: Rs. 7 crores in fixed deposits provide safety and regular interest income. The interest rates on FDs have been relatively low, impacting overall returns.

Tax-Free Bonds and Equity: Rs. 10 crores in tax-free bonds and equity offer a mix of stability and growth. Tax-free bonds provide regular interest without tax implications, while equities offer potential for capital appreciation.

Rental Income: Rs. 38,000 per month adds Rs. 4.56 lakhs annually. This can cover a portion of your living expenses, but may not suffice due to inflation.

Addressing Inflation Concerns

Inflation is a key concern, as it reduces purchasing power. Your portfolio should outpace inflation to maintain your lifestyle. Let's break down strategies to manage and mitigate inflation risk.

Diversifying Your Investments

Balanced Portfolio: Maintain a balanced portfolio with a mix of fixed income, equities, and other investment options. This helps in managing risk and returns.

Equity Exposure: Equities typically outpace inflation over the long term. Maintain a portion of your portfolio in equities to ensure growth.

Debt Instruments: Diversify within debt instruments, including corporate bonds, government securities, and fixed deposits, to manage interest rate risk.

Implementing Systematic Withdrawal Plan (SWP)

SWP Setup: Post-retirement, set up an SWP from your mutual fund investments to ensure regular monthly income.

Capital Preservation: Withdraw a portion of returns, keeping principal invested for ongoing growth.

Health Insurance Planning

Importance of Health Insurance: Health insurance is crucial to protect against high medical expenses. Lack of coverage can lead to financial strain.

Senior Citizen Health Plans: Consider purchasing senior citizen health insurance plans. These offer coverage tailored to older individuals.

Comparative Analysis: Compare different health insurance plans based on coverage, premiums, and claim settlement ratio.

Tax Planning

Tax-Free Bonds: Utilize tax-free bonds to enjoy tax-free interest income, enhancing post-tax returns.

Tax-Efficient Withdrawals: Plan withdrawals from investments to minimize tax liability. Utilize long-term capital gains tax benefits where applicable.

Regular Review: Periodically review tax-saving investments and strategies to optimize tax efficiency.

Estate Planning

Will Creation: Create a will to ensure your assets are distributed according to your wishes. This avoids legal complications.

Nomination Updates: Ensure all investments have updated nominations to facilitate smooth transfer to beneficiaries.

Trust Formation: Consider forming a trust for managing and distributing your assets, especially if you have complex financial arrangements.

Emergency Fund

Adequate Fund: Maintain an emergency fund covering 6-12 months of living expenses. This provides a buffer against unexpected expenses.

Liquid Investments: Keep the emergency fund in liquid investments, such as savings accounts or short-term fixed deposits, for easy access.

Long-Term Care

Long-Term Care Insurance: Explore long-term care insurance options to cover potential future healthcare needs, ensuring peace of mind.

Assisted Living: Consider potential costs of assisted living or home care services as part of long-term planning.

Surrendering Traditional Insurance Policies

Reevaluation: Evaluate traditional insurance policies like LIC, ULIPs, and investment-cum-insurance plans. These often have high costs and lower returns.

Reinvestment: Surrender such policies and reinvest in mutual funds or other higher-yielding investments for better returns.

Professional Guidance

Certified Financial Planner: Engage with a Certified Financial Planner for personalized advice, tailored to your financial goals and risk tolerance.

Periodic Reviews: Conduct periodic reviews with your planner to adjust the strategy based on changing financial needs and market conditions.

Empathy and Understanding

We understand the importance of financial security, especially in retirement. Your disciplined savings and investments reflect a prudent approach. Ensuring ongoing financial stability, managing inflation, and securing healthcare are critical steps.

Compliments on Your Financial Discipline

Your significant savings and investments are commendable. They reflect a strong financial discipline and foresight. Your concern for future financial stability indicates a responsible approach to managing wealth.

Detailed Strategy Analysis

Fixed Deposits: Fixed deposits offer safety but may not keep pace with inflation. Consider partial reallocation to higher-yield investments.

Tax-Free Bonds: Tax-free bonds provide steady income and are beneficial from a tax perspective. Maintain a portion in these bonds for stability.

Equity Investments: Equities can help counter inflation. Maintain a diversified equity portfolio for growth potential.

Rental Income: Rental income supplements your cash flow. Ensure the property remains well-maintained to attract tenants and avoid vacancies.

Healthcare Coverage

Urgency of Health Insurance: At 61, securing health insurance is crucial. It protects against high medical costs, which can deplete savings.

Senior Citizen Plans: Explore senior citizen-specific health insurance plans. These cater to older adults' needs and offer comprehensive coverage.

Coverage Comparison: Compare different health plans to choose one with broad coverage, affordable premiums, and good claim settlement ratios.

Investment Rebalancing

Gradual Shift: Gradually shift some funds from fixed deposits to balanced mutual funds or debt funds. This strategy manages risk while aiming for higher returns.

STP and SWP: Implement Systematic Transfer Plans (STP) to move funds to balanced or debt mutual funds. Use Systematic Withdrawal Plans (SWP) for regular income.

Portfolio Diversification: Maintain a diversified portfolio with a mix of equity, debt, and alternative investments to manage risk and returns.

Inflation-Proofing Your Portfolio

Equity Allocation: Maintain a portion of your portfolio in equities to combat inflation. Equities typically outperform inflation over the long term.

Real Return Focus: Focus on investments that offer real returns (returns after adjusting for inflation) to preserve purchasing power.

Regular Financial Reviews

Annual Reviews: Conduct annual financial reviews with your Certified Financial Planner to adjust the strategy based on market conditions and life changes.

Adjusting Allocations: Adjust your investment allocations as needed to ensure they align with your financial goals and risk tolerance.

Estate Planning and Nominations

Will and Trusts: Create a will and consider forming a trust for smooth asset distribution and management.

Updated Nominations: Ensure all investments and accounts have updated nominations to facilitate easy transfer to beneficiaries.

Conclusion

Your substantial savings and investments provide a strong financial foundation. By addressing inflation, securing healthcare, and diversifying your portfolio, you can ensure a comfortable retirement. Engaging with a Certified Financial Planner for personalized advice and periodic reviews will help maintain financial stability and peace of mind.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

Ans: Hi, I understand that you pursued a medicine course in Russia (a non-European country) and, since you are from India, you have completed the FMGE. Now you want to practice or work in the UK as a doctor?

Based on your question, you are eligible to practice in India after completing your internship (which you haven't mentioned, but I assume you have completed it). The FMGE is essentially a licensure exam for Indian students who have completed their medical studies abroad, so you are eligible to practice in India only.

If you want to practice medicine in the UK, you need to complete the PLAB test, as you are from outside the UK/Switzerland/European countries (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland).

You also inquired about sponsorship. Here is the information related to sponsorship for practicing medicine in the UK.
(Extracted from general medical council, uk org. )Applying for registration using sponsorship
If you apply through sponsorship, you will have to satisfy the sponsor that you possess the knowledge, skills and experience required for practising as a fully registered medical practitioner in the UK. Each sponsor has their own scheme which we have pre-approved. If you can satisfy the requirements of their scheme, they will issue you with a Sponsorship Registration Certificate (SRC) which you will need for your application with us. Please ensure this is a Sponsorship Registration Certificate for GMC registration, as we can’t accept UK visa sponsorship certificates for your application for registration.
Please note that a core part of all sponsors' criteria is that a doctor applying for an offer of sponsorship must have been engaged in medical practice for three out of the last five years including the most recent 12 months. If you cannot meet these minimum criteria, it is unlikely that you'll be able to supply sufficient evidence to support your application for sponsorship.
Doctors applying through sponsorship are required to demonstrate their English language skills by achieving our current minimum scores in the academic version of the IELTS test or the OET (medicine version).
• Alder Hey International Fellowship Scheme (Anaesthetics)
• Betsi Cadwaladr University Health Board - BCUHB IMG Sponsorship Scheme
• BAPIO Training Academy Ltd – BTA International Fellowship Scheme
• BAPIO Training Academy Ltd – International Training Programme for Postgraduate Doctors
• BAPIO Training Academy Ltd - BTA International Fellowship Scheme – Internal Medicine with interest in Oncology with MSc in Oncology
• Barking Havering and Redbridge University Hospitals NHS Trust - BHRUT Sponsorship Scheme for Overseas Doctors in Clinical Radiology
• Birmingham and Solihull Mental Health NHS Foundation Trust - International Medical Fellowship Programme in Psychiatry (Birmingham)
• Birmingham Women’s and Children’s Hospital – Birmingham Women’s and Children’s International Medical Graduate sponsorship scheme
• Bradford District Care NHS Foundation Trust - International Medical Fellowship in Psychiatry
• Cambridge IVF, Cambridge University Hospitals NHS Trust – IVF Senior Clinical Fellowship Scheme
• Cambridge University Hospital – Senior Clinical Fellowship Scheme in Intensive Care Medicine/Anaesthesia
• Canterbury Christ Church University
• Cumbria Northumberland Tyne and Wear NHS Psychiatry Fellowship Programme
• Derbyshire Healthcare NHS Foundation Trust - International Medical Fellowship Programme in Psychiatry
• Dudley Group NHS Foundation Trust
• East Lancashire Hospitals NHS Trust - Clinical Fellowship in Urology or Ophthalmology
• East Lancashire Hospital NHS Trust - Specialist Clinical Fellowship in Pain Management
• East London NHS Foundation Trust (ELFT) – ELFT Advanced International Fellowship in Psychiatry
• East Suffolk and North Essex NHS Foundation Trust – ICENI Centre Fellowships Programme
• Edge Hill University and Wrightington, Wigan and Leigh NHS Trust – International Training Fellowships in MCh programmes
• ENT UK – Royal College of Surgeons
• Essex Partnership University NHS Foundation Trust – EPUT Advanced Fellowship in Psychiatry
• Frimley Health NHS Foundation Trust – International Fellowship in Regional Anaesthesia combined with MSc in Principles of Regional Anaesthesia at the University of East Anglia
• Great Ormond Street Hospital International Fellowship Programme
• Guy's and St Thomas' Hospitals NHS Foundation Trust – Critical Care
• Guy’s and St Thomas’ NHS Foundation Trust – International Clinical Fellowship Programme (ICFP)
• Guy's and St Thomas' Hospitals NHS Foundation Trust – Obstetrics and Gynaecology
• Guy’s and St Thomas’ NHS Hospitals Foundation Trust – Oncology Specialty Training
• Guy's and St Thomas' NHS Hospitals Foundation Trust – Specialty Training in Anaesthetics
• Harefield Hospital, Royal Brompton and Harefield NHS Trust – Anaesthesia and Critical Care
• Hertfordshire Partnership University NHS Foundation Trust
• Hull University Teaching Hospitals NHS Trust – International Fellows at Hull University Teaching Hospitals NHS Trust
• Humber Teaching NHS Foundation Trust - Sponsored International Fellowship Scheme in Psychiatry
• Imperial College Healthcare NHS Trust – Emergency Medicine
• Imperial College Healthcare NHS Trust – Haematology
• Imperial College Healthcare NHS Trust – International Anaesthesia Trainees
• Imperial College Healthcare NHS Trust – Intensive Care Medicine
• Imperial College, London - Clinical Research
• King’s College Hospital NHS Trusts – International Critical Care Fellowship
• King’s College Hospital NHS Trusts – Paediatric Critical Care Fellowship
• Lancashire & South Cumbria NHS Foundation Trust - Psychiatry specialty Fellowship Scheme
• Lancashire Teaching Hospitals NHS Trust - Overseas Registrar Development and Recruitment (ORDER)
• Leeds Teaching Hospitals NHS Trust – International Fellowship Programme
• Leicestershire Partnership NHS Trust – International Medical Fellowship Programme in Psychiatry
• Lincolnshire Partnership NHS Foundation Trust – CESR Fellowship in Psychiatry or Sponsored Fellowship in Psychiatry
• Lysholm Dept of Neuroradiology – National Hospital for Neurology and Neurosurgery, UCL
• Manchester University NHS Foundation Trust – International Fellowship Programme
• Midlands Partnership NHS Foundation Trust
• Ministry of Defence – International Military Clinical Fellowships
• Modality Partnership - Modality Primary Care International Fellowship Scheme
• NAViGO Health and Social Care CIC – International Medical Fellowship in Psychiatry
• NHS England, East of England - East of England International Office GMC Sponsorship
• NHS Fife – CESR Fellowship Programme in Psychiatry
• NHS Grampian – Psychiatry CESR Fellowship Programme
• NHS Grampian – Multi-specialty SAS Fellowship
• NHS Wales Shared Services Partnership (NWSSP) – All Wales International Medical Recruitment Programme
• Norfolk and Suffolk NHS Foundation Trust (NSFT) - Advanced Clinical Fellowship in Psychiatry
• North Lincolnshire and Goole NHS Foundation Trust (NLAG) Sponsorship Programme
• Northampton General Hospital – Clinical Fellowship in Regional Anaesthesia
• Northampton General Hospital NHS Trust - International Clinical Fellowship in Regional Anaesthesia, Vascular Anaesthesia, or Peri-operative Medicine
• Northamptonshire Healthcare NHS Foundation Trust – International Clinical Fellowship Scheme
• Northamptonshire Healthcare NHS Foundation Trust – International Clinical Fellowship Scheme (Psychiatry)
• Northern Care Alliance – NCA International Medical Fellowship Scheme
• Oxford University Hospitals NHS Foundation Trust – Oxford Eye Hospital
• Oxford University Hospitals NHS Foundation Trust – Oxford Intensive Care Medicine (OxICM) Sponsorship Scheme
• Oxford University Hospitals NHS Foundation Trust – Oxford University Hospitals Sponsorship Scheme
• Oxford University Hospitals NHS Foundation Trust – The Oxford International Neonatal and Paediatric Fellowship Programme
• Rotherham Doncaster and South Humber NHS Foundation Trust - Sponsored International Fellowship Scheme in Psychiatry
• Royal College of Anaesthetists – Global Fellowship Scheme (Anaesthesia or ICM)
• Royal College of Anaesthetists – MTI Scheme
• Royal College of Emergency Medicine
• Royal College of Obstetricians and Gynaecologists – MTI Scheme
• Royal College of Ophthalmologists
• Royal College of Paediatrics and Child Health – International Paediatric Sponsorship Scheme
• Royal College of Paediatrics and Child Health – MTI Scheme
• Royal College of Pathologists
• Royal College of Physicians of Edinburgh
• Royal College of Surgeons of England
• Royal College of Physicians of London
• Royal College of Physicians and Surgeons of Glasgow
• Royal College of Psychiatrists – MTI Scheme
• Royal College of Radiologists – Clinical Radiology
• Royal College of Radiologists – Clinical Oncology
• Royal College of Radiologists – RCR Specialty Training Sponsorship Scheme
• Royal College of Surgeons of Edinburgh
• Royal Devon and Exeter NHS Trust
• Royal Papworth Hospital NHS Foundation Trust – Senior Clinical Fellowship Programme in Anaesthesia and Critical Care
• Royal Wolverhampton Trust – Clinical Fellowship Programme
• Sheffield Children’s NHS Foundation Trust - Rotational Clinical Fellows in Paediatrics, Trauma and Orthopaedic International Fellows, and Subspeciality Fellows in Paediatrics
• Sheffield Health and Social Care NHS Foundation Trust - International Medical Fellowship in Psychiatry
• Somerset NHS Foundation Trust – Somerset Overseas Doctors Sponsorship Scheme
• Somerset NHS Foundation Trust – Psychiatry Overseas Doctors Sponsorship Scheme
• South Warwickshire University NHS Foundation Trust - GMC Multispecialty Sponsorship Scheme
• South West Yorkshire Partnership NHS Foundation Trust – International Fellowship in Psychiatry
• Southmead Hospital, North Bristol NHS Trust – International Obstetrics and Gynaecology Training Programme
• St Bartholomew’s Hospital, Barts Health NHS Trust – St Bartholomew’s Critical Care Fellowship
• St George’s University Hospitals NHS Foundation Trust – International Anaesthetics Fellowship Programme
• St George’s University Hospital NHS Foundation Trust (Dr Nirav Shah) – International Intensive Care Medicine Trainees
• St George’s University Hospitals NHS Foundation Trust – International Emergency Medicine Trainees
• Surrey and Borders Partnership (SABP) NHS Foundation Trust – International Psychiatric and Community Paediatrics Sponsorship Scheme
• Tees, Esk and Wear Valleys NHS Foundation Trust – International Psychiatric CESR or SAS Fellowship
• University College London Hospitals NHS Foundation Trust, Department of Critical Care – Clinical Fellowship Critical Care and Perioperative Medicine
• University Hospital Birmingham NHS Foundation Trust - International Training Fellowship Programme
• University Hospitals Birmingham NHS Foundation Trust - UHB LED Fellowship Programme
• University Hospitals Bristol and Weston NHS Foundation Trust – Bristol Children's Hospital International Fellowship Scheme
• University Hospitals Bristol and Weston NHS Foundation Trust - Department of General Internal Medicine at Weston General Hospital
• University Hospitals Coventry and Warwickshire NHS Trust
• University Hospitals of Leicester NHS Trust - Postgraduate Clinical Fellowship Programme
• University of Buckingham – Master of Medicine
• University of Buckingham – Master of Surgery
• University of Chester and Cheshire and Wirral Partnership NHS Trust – International Training Fellows Psychiatry
• University of Hertfordshire – Professional Doctorate in General Internal Medicine (Clinical MD) Programme
KINDLY NOTE: If your sponsor is not on this list then you cannot apply using sponsorship.
If you have any further questions, please visit the GMC website for more information.

WISH YOU ALL THE VERY BEST.