I have an individual health policy with Nivabupa. The current renewed policy document mentions:

1. Base Sum Insured Rs 5 lakh

2. Loyalty Additions Rs 2 lakh 

3. Next Column Sum Insured (Base Sum Insured + Loyalty Additions + Refill amount ^) (in Rs) 12,00,000

My 2 claims totalling Rs 6.25 lakh for Angiography and Bypass Surgery were settled only for Rs 500,000. 

Is this in line with norms? 

Ans: Pursuing Mechanical Engineering at top-notional institutes like IIT, NIT, IIIT, or BITS or any other NIRF-Ranked Engineering It may please be noted that if your daugther performs well in 1st Year of her BE/BTech, she will be upgraded to CSE Branch (based on the Institute's Internal Sliding Policy). Colleges offer advantages such as a strong alumni network, branch flexibility, and a strong resume for MS admissions. Students can enroll in elective courses in programming, data structures, and computer applications to prepare for an MS in CS.

However, transitioning from Mechanical to CS for an MS overseas can be challenging due to the need for prior knowledge in CS principles. With more self-learning and certificates, it is possible. Additionally, CS is tough for MS admissions in the US, and students may have to create a strong profile through internships, online courses, and certifications in CS domains without a CS degree.

To ensure a seamless transition, students should select electives in programming and computer science based on their undergraduate course (if the institute allows). Online programs for courses in data structures, Python, and artificial intelligence can be found on CS-oriented sites like Coursera, edX, or NPTEL. Summer internships involving data analysis, coding, or automation projects can also be sought. Multidisciplinary initiatives like mechanical engineering automation or computational fluid dynamics (CFD) can also be explored.

If your daughter's main goal is to pursue an MS in CS, it is better to consider Tier 1 Institutes with CS or IT branches and top-tier institutes with Mechanical focus actively pursuing CS. All the Best for Your Daughter's Prosperous Future.

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Ans: Dear Himanshu,
How does her past matter in your present and future? Exactly how will her living together with her ex, at a point in time when you did not exist in her life, matter to you today? Why are you judging her based on the fact that she loved someone else before you? I understand that these feelings can creep in, but you have to counsel yourself. She isn't at fault here because everything that is bothering you today is in her past and she cannot change that, and why should she have to change it, anyway? Every time you find yourself feeling this way, you can ask the same question and answer honestly. And in case you think you cannot get over these thoughts, let her go. No one deserves to be in a relationship where they have to be constantly reminded of their past or judged for it.

Best Wishes.

Ans: Dear Ammarao,
Not all men chat with multiple women when they are serious about their relationship. Some might, but most men in exclusive relationships don't continue chatting. If his chats are truly friendly, there isn't much to worry about. But if you think there is more to it, I would suggest you reconsider the relationship.

Please talk to him directly and ask him if these women are only friends and if they know he is in a committed relationship. If he is being too defensive, you can tell him that in a relationship, it is also important to focus on what your partner is comfortable with. If you do not like these online friendships, communicate it to him.

I hope this helps.

Ans: Dear Anonymous,
There is no hard and fast rule that you have to be dating for a certain period of time before you marry someone. But, of course, if you feel it's too soon, you can communicate your concern to your partner. After all, it is important to be on the same page. And who knows, maybe something your partner says or does can put your mind to ease.

Best Wishes.

Ans: Dear Anonymous,
I really cannot comment if you are overreacting or have every reason to feel this way without knowing a bit more about the entire situation. But what I can tell is that you should communicate your feelings to your partner. Let her know that while maintaining individuality or pursuing individual wishes in a relationship is important, it is equally important to pay heed to what makes your partner uncomfortable. Your request, from what information you have provided, seemed reasonable, while her reasoning that it is the guy's fault, not hers also makes perfect sense. So I think the best course of action is to let the situation calm down and have an open conversation. Could she have avoided this meetup to make you happy? Yes. But, she could've thought that if she avoids one thing for your happiness, you might start asking her to give up more things in the future, which is a real issue in many relationships. I think it is important to clear up all of these concerns and feelings before moving on with lifelong commitment.

Hope this helps

Ans: ok, so what was your objective behind buying these? short term, long term or trading?

Ans: The SSC CGL descriptive paper requires a clear, structured, and effective presentation. To improve your essay writing skills, review the subject matter thoroughly and avoid deviations from the central theme. Sketch an initial outline and adhere to a straightforward framework, including an Introduction, Body, and Conclusion. Start with a hook and express your thesis or stance in a concise manner. Arrange arguments in a logical order, using data, examples, and facts to establish credibility. Avoid repetition and maintain brevity.

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Ans: Please visit All India Bar Examination Website and check your result by logging into it with your Roll Number & DOB. All The Best for Your Prosperous Future.

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Ans: The first step is to become aware of what triggers your stress. This self-awareness allows you to address the root causes rather than just the symptoms. Once you identify these triggers, you can start exploring techniques that help you cope effectively.

One effective approach is to incorporate regular self-care practices into your daily routine. This could include activities that bring you joy and relaxation, such as exercise, meditation, or spending time in nature. These practices not only help calm the mind but also improve your overall mood and resilience to stress.

Talking to someone you trust, whether a friend, family member, or professional, can also be a powerful way to manage stress. Sharing your feelings and experiences helps lighten the emotional load and provides different perspectives that might help you navigate your challenges more effectively.

It's also important to focus on what you can control and let go of things that are beyond your influence. This shift in mindset can reduce feelings of helplessness and frustration. Setting realistic expectations for yourself and others can also alleviate unnecessary pressure.

Remember to give yourself permission to rest and recharge. Adequate sleep, a balanced diet, and time for relaxation are essential for managing stress. When you take care of your body and mind, you're better equipped to handle life's demands.

Lastly, cultivating a mindset of gratitude and mindfulness can help you stay present and appreciate the positive aspects of your life, even during stressful times. These practices can create a sense of balance and help you respond to stress in healthier, more constructive ways. By integrating these approaches into your life, you can build resilience and find a sense of peace amidst the chaos.