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Sanjib Jha |66 Answers |Ask -Follow

Insurance Expert - Answered on Jul 29, 2022

Sanjib Jha is the CEO of Coverfox Insurance. His expertise includes health and auto insurance. He has over 22 years of experience in the financial sector. He has completed his post-graduation from the Institute of Company Secretaries of India.... more

Question by Srinivas on Jul 29, 2022Hindi

Money

3. Also, every year Star Health (twice in a row now) Star Health has played with my NCB reflecting in my policy document and I had fought hard to get correct data printed in document again.

Ans: In case of any NCB dispute in the policy, you can raise it to the insurer & if found wrong then the same will get endorsed by the insurer.

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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Question by NIKHIL - Jan 18, 2022Hindi

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I RAJESH KUMAR HAVING A HEALTH OPTIMA INSURANCE POLICY WITH STAR HEALTH W.E.F.19/12/2010 WITHOUT ANY INTERRUPTION, BUT TAKEN A POLICY FOR 3,00,000/- SUM ASSURED BUT GETTING NCB NOT MORE THAN 10000 PER YEAR WHICH IS NOW COVERED UPTO 3,80,000. OTHER COMPANIES OFFER 25 TO 50% EVERY YEAR FOR NCB. SHALL I CONTINUE WITH THE EXISTING COMPANY OR MIGRATE WITH SOME OTHER COMPANY? PLEASE ADVICE. WAITING FOR YOUR FAVOURABLE ANWSER.

Ans: While Cumulative bonus/ NCB is an important factor to consider for migration/portability of your policy, it should not be the only reason that you should look at. Please also look at aspects like claims service, product coverages, premium, etc. before making a decision.

Sanjib Jha |66 Answers |Ask -Follow

Insurance Expert - Answered on Jul 29, 2022

Question by Srinivas - Jul 29, 2022Hindi

Money

1. Renewal notice does not mention Earned/to-be earned NCB, which other insurers expect to know, they just do not bother about any supporting docs like policy write ups, policy document etc.

Ans: If there is no claim in the policy then the NCB should be mentioned on the renewal notice. If the same is not mentioned then I would suggest you to kindly raise the matter to the insurer before renewing the policy.

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Tech Careers and Skill Development Expert - Answered on Feb 23, 2025

Asked by Anonymous - Feb 22, 2025Hindi

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My daughter get 89 percentile in JEE main 2025, she will get nit

Ans: Congratulations to your daughter on securing an 89 percentile in JEE Main 2025.
Estimated Rank: An 89 percentile in JEE Main 2025 corresponds to an approximate All India Rank (AIR) between 1,50,000 to 1,65,000. NITs with Potential Openings: Institutes such as NIT Agartala, NIT Meghalaya, NIT Raipur, NIT Jalandhar, and NIT Durgapur have, in previous years, admitted students with ranks corresponding to an 80-90 percentile range. See previous year cut offs

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Question by Umamahesh - Feb 22, 2025Hindi

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Sir, My Niece got 97.5 in Jee mains 2025, can she get CSE in which NIT , pls suggest sir.

Ans: Congratulations to your niece on securing a 97.5 percentile in JEE Main 2025.
You may get NIT Jalandhar, NIT Agartala, NIT Goa, NIT Hamirpur, NIT Meghalaya, NIT Patna etc. See previous year cut off

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Question by Anuj - Feb 21, 2025Hindi

Career

Sir I got 96 percentile in jee mains 2025 ..I belong to jharkhand Can I get nit jamshedpur civil engineering.... Also I am a obc ncl candidate...

Ans: Congratulations on securing a 96 percentile in JEE Main 2025.
Percentile to Rank Conversion: A 96 percentile in JEE Main typically corresponds to an All India Rank (AIR) between approximately 40,000 to 50,000. For OBC-NCL candidates, this would translate to a category rank ranging from 10,000 to 12,000.
Based on the 2024 admission data, the closing ranks for the Civil Engineering program at NIT Jamshedpur under the OBC-NCL category with Home State quota were as follows:

Round 1 Closing Rank: 15,169
Last Round Closing Rank: 79,265
So, you should get it

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Tech Careers and Skill Development Expert - Answered on Feb 23, 2025

Asked by Anonymous - Feb 21, 2025Hindi

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I don't want to do engineering but my parents are forcing me to do so what should I do?

Ans: Do not do it. Personal passion and interest are required for success in long run.

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Question by essaar - Feb 21, 2025Hindi

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Sir my son got 93.1 percentile in JEE Session-1. Can he get CSE under Kashmiri Migrant quota in any NIT or IIIT

Ans: Congratulations to your son on achieving a 93.1 percentile in JEE Main Session.
The cutoffs for the KM quota can vary significantly between institutes and from year to year, depending on factors like the number of applicants under this category and seat availability. Historically, some institutes have had relatively higher closing ranks for KM candidates, increasing the chances of securing a seat.

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Tech Careers and Skill Development Expert - Answered on Feb 23, 2025

Asked by Anonymous - Feb 21, 2025Hindi

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Hello sir.I get 92 percentile in jee mains. Can I get Cse in any Nit in sc category

Ans: Congratulations on securing a 92 percentile in JEE Main 2025.
Your case is a borderline case.

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Question by mithran - Feb 21, 2025Hindi

Career

I got 96.75 in JEE..I am OBC NCL Candidate..Whàt are the best college options irrespective of the branch..As I don't have any preference

Ans: Congratulations on securing a 96.75 percentile in JEE Main 2025 as an OBC-NCL candidate.
With your percentile and OBC-NCL status, you have a favorable position for admissions into several National Institutes of Technology (NITs), Indian Institutes of Information Technology (IIITs), and Government Funded Technical Institutions (GFTIs).

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Question by yadvinder - Feb 21, 2025Hindi

Career

My nephew has got 98.2 percentile in JEE mains 2025. Category is generally. Interested in doing CSE. Which NIT or IIIT we can expect.

Ans: Congratulations to your nephew on securing a 98.2 percentile in JEE Main 2025.
Percentile to Rank Conversion: A 98.2 percentile typically corresponds to an All India Rank (AIR) around 27,000.
Several NITs and IIITs have closing ranks for CSE that extend beyond 20,000. For instance, NIT Patna, NIT Raipur, and IIIT Nagpur have had CSE closing ranks in this range in previous years.

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Question by Pritam - Feb 21, 2025Hindi

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I got 89%ile in jee mains 1st attempt 2025. I am a sc candidate. Can I get EEE in iiest shibpur?

Ans: Congratulations on securing an 89 percentile in the JEE Main 2025 first attempt.
Percentile to Rank Conversion: An 89 percentile typically corresponds to an All India Rank (AIR) of approximately 115,045. For SC candidates, this would translate to a category rank around 6,000.
Based on the 2024 admission data, the closing rank was 5,018 for the SC category in Electrical Engineering discipline.
So, chances are less.

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Tech Careers and Skill Development Expert - Answered on Feb 22, 2025

Asked by Anonymous - Feb 21, 2025Hindi

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My son got 98.81. Percentile in JEE mains, GM category, NIT suratkal ECE can he get?

Ans: Congratulations to your son on achieving a 98.81 percentile in JEE Main.
1. Estimated Rank: A 98.81 percentile in JEE Main typically corresponds to an All India Rank (AIR) between approximately 12,000 to 18,000.
2. NIT Surathkal ECE Cutoff Ranks: The closing ranks for the ECE program at NIT Surathkal for the General category (Other State quota) in recent years have been as follows:

2024: Closing rank around 4,227.

2023: Closing rank around 5,119.
So, securing a seat in this specific program may be challenging under the General category.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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