I am an employee of central govt. PSU. My family consists of myself, spouse, two minor children and mother. I am covered by a corporate group medical insurance policy for Rs 2 lakh with an additional emergency coverage of Rs 4 lakh by the employer.

I also have a personal Family Floater policy for Rs 3 lakh and a Sr. Ctzn. Policy for Rs 1 lakh.

I have not used the personal policies till date for any hospitalisation claim.

I am aware that a claim exceeding the corporate policy limit can be claimed in the personal policy. Recently I was made to know that any planned hospitalisation exceeding the corporate claim limit, cannot be done using the second policy.

I also know that there is a product called as top up policy which can be used in such cases.

I have 8 years of remaining service where there is a medical insurance cover during the period.

After retirement, the employer provides a basic policy of 1.5 lakh for the family. The same feels to be insufficient in today’s times.

What would be your advice with regards to the existing medical insurance policies and their amounts? Should I need to undertake any tweaking of the policy amounts or switch to a top up policy?

Ans: Switching to the IT sector after completing a B.Tech. in Electrical Engineering is possible with the right approach and preparation. Evaluate your skills, interests, and career goals to determine your suitability for the IT sector. Consider your strengths in problem-solving, analytical thinking, and technical knowledge, as well as any relevant experience or coursework in computer science or programming. Research different roles within the IT sector that align with your skills and interests. Common entry-level positions for individuals with a non-IT background include software developer, quality assurance analyst, business analyst, and technical support specialist. Develop or enhance your technical skills in programming languages, software development, database management, and IT infrastructure. Consider enrolling in online courses, bootcamps, or certification programs to gain proficiency in languages like Java, Python, C++, or SQL. Create a portfolio showcasing your projects, assignments, and practical experience in software development or IT-related tasks. Include any relevant coursework, internships, or personal projects that demonstrate your skills and capabilities in the IT domain. Seek opportunities to gain hands-on experience in IT-related roles through internships, part-time jobs, or freelance projects. Look for entry-level positions or internships in IT companies, startups, or tech departments within non-IT organizations. Network with professionals in the IT industry through online platforms, professional associations, or networking events. Attend job fairs, meetups, or tech conferences to connect with potential employers and learn about job opportunities in the IT sector. Customize your resume and cover letter to highlight your transferable skills, relevant coursework, and any IT-related experience or certifications. Emphasize your ability to learn quickly, adapt to new technologies, and contribute to IT projects and initiatives. Stay informed about industry trends, advancements, and emerging technologies in the IT sector. Continuously update your skills and knowledge to remain competitive in the job market. Be persistent and resilient in your job search efforts, and don't get discouraged by rejections or setbacks. Keep applying to relevant positions, networking with professionals, and honing your skills until you secure a job in the IT sector.

Ans: It's understandable to feel uncertain about your future, especially when facing setbacks in your academic and career pursuits. If you're concerned about not getting admission to a master's program in biotechnology, consider alternative paths to gain practical research experience and advance your skills. Look into certificate programs, diploma courses, or online courses in biotechnology or related fields that offer hands-on training and practical experience. Explore opportunities for research assistantships, lab technician positions, or entry-level roles in biotech companies that can provide valuable experience and exposure to research methodologies and techniques. Continue to build your academic and professional portfolio by engaging in research projects, writing research articles, and participating in scientific conferences or exhibitions. Consider submitting your research articles to scientific journals or publications to showcase your work and contribute to the academic community. Remember that setbacks are a natural part of the academic and career journey. Stay positive, resilient, and persistent in pursuing your goals, even in the face of challenges. Think about your long-term career goals and how each step you take aligns with them. Consider whether pursuing a master's degree in biotechnology is essential for achieving your career objectives or if there are alternative paths to success.

Ultimately, it's important to stay proactive, adaptable, and open-minded as you navigate your academic and career journeys. Keep exploring opportunities, gaining experience, and pursuing your passion for biotechnology, and you'll find a path that leads to success and fulfillment in the field.

Ans: A career in aeronautical engineering can indeed be exciting and rewarding for individuals who are passionate about aircraft, spacecraft, and aerospace technology. Aeronautical engineering is at the forefront of innovation, with opportunities to work on cutting-edge technologies, including aircraft design, propulsion systems, avionics, and space exploration. Aeronautical engineers have diverse career paths in the aerospace industry, including roles in aircraft manufacturing, defense contracting, space agencies, research institutions, and academia. There are opportunities to specialize in areas such as aerodynamics, structures, materials, propulsion, and systems integration. The aerospace industry is global, offering opportunities to work with multinational companies and collaborate on international projects. Aeronautical engineers may have the chance to travel and work in different countries, contributing to global initiatives in aviation and space exploration. In the field of aeronautical engineering, several high-paying job positions are available, especially for professionals with advanced degrees, specialized skills, and significant experience. Senior aerospace engineers lead and manage complex projects, oversee design and development processes, and provide technical expertise in areas such as aircraft systems, propulsion, structures, and aerodynamics. They may also be involved in research, testing, and certification activities. Lead aircraft design engineers are responsible for conceptualizing, designing, and developing new aircraft or modifications to existing aircraft. They lead multidisciplinary teams, manage design projects, and ensure compliance with regulatory standards and customer requirements. Flight test engineers conduct and oversee flight testing activities to evaluate aircraft performance, stability, and handling characteristics. They design test plans, analyze flight data, and collaborate with pilots, engineers, and technicians to validate aircraft designs and systems. Senior avionics engineers specialize in the design, integration, and testing of aircraft electronic systems, including navigation, communication, surveillance, and control systems. They ensure the reliability, functionality, and compliance of avionics equipment with safety and performance standards. Senior aerospace systems engineers oversee the integration and optimization of complex aerospace systems, such as aircraft platforms, spacecraft, satellites, or unmanned aerial vehicles (UAVs). They coordinate system-level design, development, and testing activities to meet program objectives and customer requirements. Senior R&D engineers lead research and development projects focused on advancing aerospace technologies, materials, processes, and manufacturing techniques. They collaborate with academic institutions, government agencies, and industry partners to drive innovation and technological breakthroughs.

These jobs in aeronautical engineering require technical knowledge, leadership skills, and a track record of successful project execution. Professionals who work in the aerospace industry require professional certifications or licenses relevant to their specialization. Overall, a career in aeronautical engineering offers an exciting blend of innovation, exploration, and impact, making it a great choice for individuals who are passionate about pushing the boundaries of flight and exploring the frontiers of aerospace technology.

Ans: It's understandable to feel uncertain and stressed during a period of unemployment, but there are steps you can take to improve your situation. Dedicate time to improving your English communication skills through self-study resources, online courses, or language apps. Practice speaking, listening, reading, and writing in English regularly to build confidence and proficiency. Customize your resume to highlight relevant skills, experiences, and achievements that align with the requirements of the positions you're applying for. Emphasize transferable skills such as problem-solving, attention to detail, and customer service experience from your previous role. Attend career fairs, industry events, and networking sessions to expand your network and connect with potential employers. Consider pursuing additional certifications, training programs, or short courses in instrumentation, customer service, or related fields to enhance your qualifications and marketability. Look for free or low-cost online resources, workshops, or webinars that offer relevant skills training and development opportunities. Explore volunteer or internship opportunities in your field of interest to gain hands-on experience, expand your network, and demonstrate your commitment to learning and growth. Volunteering can also help you develop new skills, build confidence, and make valuable connections in your industry. Stay positive and maintain a proactive mindset throughout your job search journey. Set realistic goals, stay organized, and celebrate small achievements along the way to stay motivated and focused on your career objectives.

Remember that finding a job takes time and effort, so be patient with yourself and stay committed to your job search goals. Keep refining your approach, seeking opportunities for growth and development, and maintaining a positive attitude as you navigate through this challenging period.

Ans: It's great that you're aware of the impact your talkative nature has on your work efficiency. Here are some strategies to help you manage your talkative tendencies while balancing customer satisfaction and your office responsibilities by establishing clear boundaries for your interactions with customers. While it's important to provide excellent customer service, set limits on the length and depth of conversations to ensure you can prioritize your office work. Allocate specific time slots during your day for customer interactions and office tasks. Use techniques like time blocking to schedule dedicated periods for meeting with customers and focusing on your administrative duties. Identify your most critical office tasks and prioritize them based on importance and urgency. Focus on completing high-priority tasks during designated office hours, and schedule customer meetings around these priorities. Delegate certain customer interactions or administrative tasks to your team members or support staff. Empower your team to handle routine inquiries or transactions, freeing up your time to focus on strategic priorities. When engaging with customers, practice active listening to understand their needs and concerns effectively. Summarize key points and address their inquiries efficiently to prevent conversations from veering off-topic. Clearly communicate your availability and office hours to customers. Set realistic expectations regarding response times for inquiries or follow-ups, and inform customers of alternative points of contact for urgent matters. Implement visual cues or signals to indicate when you're available for conversations with customers and when you need uninterrupted time for office work. For example, use a "Do Not Disturb" sign or closed office door during focused work sessions. Reflect on your communication habits and identify triggers or patterns that contribute to excessive talking. Practice self-awareness and mindfulness techniques to manage impulsivity and maintain focus during work hours.

Consider participating in workshops, seminars, or training programs focused on time management, communication skills, and customer service excellence. Develop strategies and techniques to enhance your effectiveness in managing customer interactions and office responsibilities.

By implementing these strategies and techniques, you can strike a balance between providing excellent customer service and fulfilling your office duties effectively. Remember that managing talkativeness is a skill that can be honed over time with practice, self-discipline, and a proactive approach to improving your work habits.

Ans: I'm sorry to hear about your situation. Here are some steps you can take to improve your chances of securing a new job: Explore temporary or freelance opportunities to generate income while you continue searching for a permanent job. Freelancing platforms and websites offer opportunities for short-term projects in IT and related fields. Identify any skills gaps or areas for improvement that may be hindering your job search. Take online courses, workshops, or certification programs to update your skills and stay current with industry trends and technologies. Tailor your resume to highlight your most relevant skills, experiences, and achievements. Update your LinkedIn profile with a professional photo, a comprehensive work history, and relevant keywords to make it easier for recruiters to find you. Don't limit yourself to one job search method. Explore multiple channels, such as online job boards, company websites, recruitment agencies, networking events, and social media platforms. Consider reaching out to former colleagues, classmates, and professional contacts for job leads and referrals. Attend industry events, meetups, webinars, and networking groups to connect with professionals in your field. Join online communities, forums, and LinkedIn groups related to your industry or job function to expand your network and learn about job opportunities. Job searching can be challenging, especially during difficult times. Stay positive, maintain a routine, and focus on activities that boost your confidence and well-being. Set realistic goals and deadlines for your job search, and celebrate small victories along the way to stay motivated.

Remember that job searching takes time and persistence, so don't get discouraged if you don't see immediate results. Keep refining your approach, leveraging your network, and staying proactive in your job search efforts. With perseverance and determination, you'll increase your chances of securing a new job that meets your needs and goals.

Ans: Transitioning from a mechanical design engineer role into fields such as data analytics, business analysis, or operations analysis is definitely possible, especially with your three years of experience and a background in engineering. As a mechanical design engineer, you likely have developed valuable skills such as problem-solving, critical thinking, attention to detail, and proficiency in technical tools and software. Evaluate how these skills can be applied to roles in data analytics, business analysis, or operations analysis. Consider acquiring additional skills and knowledge relevant to your target roles. This may include learning programming languages (e.g., Python, R, and SQL), statistical analysis tools, data visualization techniques, and business analysis frameworks. Explore online courses, certifications, or boot camps in data analytics, business analysis, or operations management to enhance your qualifications and credibility in these fields. Connect with professionals working in data analytics, business analysis, or operations roles to learn about their experiences, career paths, and skill requirements. Join industry groups, attend networking events, and participate in online communities to expand your professional network and gain insights into potential career opportunities. Update your resume and LinkedIn profile to highlight relevant skills, experiences, and achievements that demonstrate your suitability for roles in data analytics, business analysis, or operations analysis. Tailor your job search strategy to target companies, industries, or sectors that value cross-functional skills and welcome candidates from diverse backgrounds.

Overall, transitioning from a mechanical design engineer role into data analytics, business analysis, or operations analysis is feasible with the right mindset, skills, and preparation. By leveraging your existing experiences, acquiring new skills, and networking effectively, you can position yourself for success in your desired career path.

Ans: It sounds like you're feeling disengaged and stressed in your current role as an instrumentation engineer at a CPP power plant. Transitioning to a sales engineer or sales role could offer a change of pace and environment, but it's important to consider whether it aligns with your interests, skills, and career goals. Deciding between a sales engineer role and a traditional sales job depends on your interests, skills, career goals, and personal preferences. Here's a comparison to help you make an informed decision. Sales engineers combine technical knowledge with sales skills to sell complex technical products or solutions. They often work closely with engineering and product teams to understand product specifications, features, and capabilities. In traditional sales roles, professionals focus on building relationships with clients, understanding their needs, and persuading them to purchase products or services. Sales engineers help customers identify their technical needs, address challenges, and find solutions that meet their requirements. They may conduct product demonstrations, provide technical support, and offer customized solutions based on client needs. Traditional sales roles may involve selling a wide range of products or services to clients across various industries. The client base may include individuals, businesses, or organizations. Sales engineers engage with clients who have a technical background, such as engineers, architects, or IT professionals. They communicate technical information effectively, answer technical questions, and build credibility by demonstrating expertise. Sales professionals typically have sales targets or quotas to meet, incentivizing performance and results-driven behavior. 

Ultimately, the "better" option depends on your interests, strengths, and career objectives. If you enjoy blending technical expertise with sales skills, solving complex problems, and working closely with clients in technical fields, a sales engineer role may be a good fit. On the other hand, if you excel at building relationships, driving sales outcomes, and thrive in a fast-paced, results-oriented environment, a traditional sales job may be more suitable. A sales engineer job is more promising considering factors such as job responsibilities, earning potential, career advancement opportunities, and personal fulfillment.

Ans: It sounds like you've reached a critical decision point in your career and personal life, and it's commendable that you're considering taking steps to prioritize your well-being and pursue a new path. Conduct thorough research on the immigration process, licensing requirements, and job prospects for orthodontists in Australia. Explore the Australian Dental Council's (ADC) accreditation process for internationally trained dentists and orthodontists. Familiarize yourself with the healthcare system, regulatory bodies, and professional associations relevant to your field in Australia. Although you may not have existing contacts in Australia, start building your network by reaching out to professionals in your field through online platforms, professional associations, and networking events. Consider joining forums, social media groups, or online communities for dentists and orthodontists practicing in Australia to connect with peers, ask questions, and seek advice. Seek guidance from experienced orthodontists who have successfully transitioned to practice in Australia, either through personal connections or professional networks. Consider enrolling in continuing education courses, workshops, or certification programs to enhance your skills and demonstrate your commitment to professional development. Prioritize your mental and emotional well-being during this challenging transition period. Seek support from family, friends, or mental health professionals to cope with stress, anxiety, or uncertainty associated with making significant life changes. Recognize that embarking on a new journey in a foreign country may involve obstacles and setbacks along the way. Stay resilient, adaptable, and open-minded as you navigate the complexities of immigration, licensure, job search, and cultural adjustment in Australia.

Taking the initiative to pursue a new career path and life direction in Australia requires courage, determination, and perseverance. Through planning, seeking support, and staying focused on your goals, you can overcome challenges and build a fulfilling and successful professional and personal life in your new home country.