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Sunil

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Financial Planner - Answered on Oct 13, 2023

Sunil Lala founded SL Wealth, a company that offers life and non-life insurance, mutual fund and asset allocation advice, in 2005. A certified financial planner, he has three decades of domain experience. His expertise includes designing goal-specific financial plans and creating investment awareness. He has been a registered member of the Financial Planning Standards Board since 2009.... more
Avinash Question by Avinash on Jul 20, 2023Hindi
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Having medical insurance, senior female however treatment not covered under medical insurance such as dental/cataract treatment or Diagnostic test conducted on Registered Medical Practioner at various diagnostic canters costing more than Rs. 5,000/- can be claimed ? If so under which section "

Ans: Health check ups are not covered in medical insurance however check your policy if it offers free health check up
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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I have mediclaim policy from Oriental Insurance Co since 1992 for 5 lakhs and other from New India Assurance for 7.5 Lakhs under SCUM scheme with my spouse. However both the policies have set a limit of Rs. 40,000 for Cataract surgery even though I have been diagnosed with 1) Cataract Phaco with Panoptix IOL, 2) Pupilloplasty, 3) CTR Implantation for which a renowned hospital billed me as below for separately for each eye. 1) Cataract Procedure Cost. Rs. 27000/- which is approved by Oriental in their contract with Hospital 2) IOL Cost Rs. 49000/- 3) Pulilloplasty Rs. 6950/- after discount 4) CTR Implantation Rs. 1600/ after discount Now in Claim No. 1 Oriental approved. Rs 36,000/- Only and balance Rs 48500 I had to pay Claim No. 2 Oriental approved Rs.73,300/- Only and balance Rs.11250/- I had to pay Surgery was done 1 week apart. In my case I was advised Cataract with multifocal IOL + Pupilloplasty + CTR Implantation So, I need your advice on: How can Insurer Oriental approve and give different claim amount for each eye and how can I claim for reimbursement of balance amount I had to pay. Appreciate your guidance and help.
Ans: Hi Jyoti, hope you are doing well. As you have mentioned that the claim amount for each eye has been different, to understand the reason behind this disparity, you will have to check the documentation submitted to the insurer for both the surgeries. Request you to contact your insurance advisor and discuss the same with the insurer to understand this gap further and help you resolve this issue. 

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Hello Sir, At present I am appearing Class 12 boards. I want to do research work in human psychology as my career. In which discipline I should do my Bachelors for the same? Is doing MBBS is the only way to reach out in research field? Thanks
Ans: Hi,
Kindly formulate your query in a detailed manner so that the experts on Rediff can provide you with better solutions. If you don’t provide enough information, it will be difficult for them to assist you, as the gurus need to make informed predictions to answer your question. This platform is more transparent than others because you can see the profiles of the experts available here. Therefore, be open and provide precise details. Please note that the platform does not require personal information, and you can post your questions anonymously if you prefer.

Undergraduate (UG) degrees provide foundational knowledge, including how to conduct research. In postgraduate (PG) studies, you generally build on those basics. After completing your PG studies, you can engage in research, either full-time or by pursuing a PhD.

An MBBS degree is also just a basic qualification and is not the only gateway into the research field. You can conduct research in a variety of fields, including arts.

If you are particularly interested in human psychology, gather basic information on the topic and proceed accordingly. There are various aspects of human psychology, so consider which area you would like to specialize in and plan your path from there.

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