I have family floater policy since 5 years with Apollo Munich, Which is changed now to HDFC Ergo. I am paying approximately 36000 for 2 +1 family, I am aged now 62 years.

I am not getting proper service from the person from whom i took the Apollo policy he is called Intermediator in the Apollo company and when it’s changed to HDFC his Records (like his name Mob Number and his Code) are not shown in the policy. In the absence of the above details, I don’t know whom to contact for any information and follow up for claim reimbursements.

In the past years, with Apollo and HDFC Ergo my reimbursement claims was not settled ON TIME as well as the full amount not settled, approximately 50 to 60 percentage only settled even after many follow ups, courier and emails. Though the claims were around 50000 only.

I am the bread winner in my family, after paying so much for Premium, if I get admitted in hospital, the family members can’t do follow up and intermediary is not helpful, even he doesn’t bother to attend phone call, though he is substantially earning 15% premium as his commission (I hope) in such scenarios I am fearing that you won’t get help.

What is your advise? Should I change the intermediary in the policy, if there is provision in system? Why in HDFC Ergo why those intermediary details not there or portability is another option and what are conditions to meet portability at the ripe age/ financial scenario I should not be denied cashless facility/ at the need of my HOUR.

Ans: Mild gingivitis can be treated and managed at home with good oral hygiene practices and some natural remedies. However, if the condition persists or worsens, it's essential to consult a dentist for professional treatment.

Home Treatment and Prevention:

1. *Brushing and Flossing*: Brush your teeth at least twice a day and floss once a day to remove plaque and food particles.
2. *Saltwater Rinse*: Rinse your mouth with warm saltwater several times a day to reduce inflammation and kill bacteria.
3. *Antibacterial Mouthwash*: Use a commercial hydrogen peroxide/chlorhexidine gluconate mouthwash to kill bacteria and reduce inflammation.
4. *Dietary Changes*: Eat a balanced diet rich in fruits, vegetables, and whole grains, and avoid sugary and processed foods.
5. *Vitamin C* plays a significant role in gingival health. So make sure you have fresh citrus fruits (preferably unrefrigerated) on a regular basis. The other option is to take Vitamin C supplements.

When to Consult a Dentist:

1. *Persistent Gingivitis*: If your gingivitis persists despite good oral hygiene practices and home remedies.
2. *Severe Symptoms*: If you experience severe symptoms like bleeding gums, pain, or swelling.
3. *Gum Recession*: If you notice gum recession or exposed roots.
4. *Loose Teeth*: If your teeth become loose or mobile.


Remember, while home treatment and natural remedies can help manage mild gingivitis, regular dental check-ups and professional cleanings are essential to prevent and treat gum disease.

Ans: For corporate law, pursue certifications in corporate governance, contract drafting, and compliance. For ADR, consider certifications from CIArb (Chartered Institute of Arbitrators). Intern with corporate law firms, like Lawctopus, Trilegal India. Focus on research, drafting, and participating in moot courts to strengthen your profile.

Ans: Develop skills in tools like CATIA, SolidWorks, and ANSYS. Gain a solid understanding of aerodynamics, propulsion, and CFD. Learn programming languages like MATLAB or Python and consider certifications in Six Sigma, aerospace design, or advanced manufacturing.

Ans: Current job trends for ECE include core electronics roles and software development and IT opportunities. Popular domains are IoT, AI, embedded systems, and VLSI design. Learn programming languages like Python, C++, and Java, and focus on internships, coding practice, and technical interview preparation to boost your placement chances. Companies like Intel, Qualcomm, and Infosys value strong technical skills, problem-solving, and project experience.

Ans: As a BCA student, focus on online courses that build technical and practical skills. Learn programming languages like Python, Java, or C++ and explore web development with HTML, CSS, JavaScript, and frameworks like React. Data science courses on SQL, Tableau, and machine learning are valuable, while certifications in cloud computing (AWS, Azure) and cybersecurity can boost your profile.
Many universities and edtech offer these kinds of skill development courses. You can compare on collegevidya.com to find the best platform for you.

Ans: To study astrobiology, pursue an undergraduate degree in physics, biology, chemistry, or related fields. Afterward, look for specialized master’s programs in astrobiology at institutions like the Indian Astrobiology Research Foundation (IARF), Mumbai, Indian Institute of Science (IISc), Bangalore, Tata Institute of Fundamental Research (TIFR), Mumbai, or universities abroad.

Ans: ITR 2 is applicable and last date for filing belated ITR for AY 2024-25 is 31.12.2024

Further, there is minimum exemption limit of 3 lacs and accordingly, only on 2 lacs tax of 15% will be levied.

Ans: Dear Anonymous,
I can't help you get her back, but I can help you understand boundaries. If she is saying she is not interested, the only clear conclusion from that statement is that "she is not interested." A no is a no. It does not mean "Convince me some more and I will change my mind." I am sure you are a great person and you will find someone amazing who is actually interested in you, but this woman is not the one. And what you are doing is not right. I would strongly urge you to move on and even if it hurts for a while, you should not be bothering her for that. Please respect her decision.

Best Wishes.

Ans: Dear Anonymous,
I understand that you are in a tricky spot but it is important to understand that when it comes to their child, they have the right to make decisions and ignore everyone else's, even yours. You should keep your relationship and their co-parenting situation separate. Having said that, if you think your BF's ex is overstepping, communicate that to your partner, while letting him know that it bothers you and might even create friction in your relationship. An open and honest discussion is the only way around it. If expressing your discomfort is causing tension or considered ‘controlling,’ then you need to rethink the relationship.

I am sure your partner is truly trying to balance things, but since he is dating you, he should be aware of the areas where that balance is lacking. Communication is the only way.

Hope this helps.