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Sanjib

Sanjib Jha  | Answer  |Ask -

Insurance Expert - Answered on Apr 13, 2023

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
Kar103Red Question by Kar103Red on Feb 27, 2023Hindi
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I'm a multiple sclerosis patient since 2005, and have few relapses till 2011. And after that in 2022. My age is 40. Which health insurance will civer me?

Ans: Hi, you will have to check with health insurance companies for the same. No one plan suits all. In case of pre-existing diseases, the insurance company will provide coverage limit and premiums accordingly.
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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Ramalingam

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Mutual Funds, Financial Planning Expert - Answered on Apr 18, 2024

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What kind of insurance is supported for a SLE Patient for 2 decades and doing ok overall
Ans: For a patient with Systemic Lupus Erythematosus (SLE) who is doing well overall and looking for insurance coverage, here are some types of insurance that may be suitable:

Health Insurance: A comprehensive health insurance plan that covers hospitalization, medication, and other medical expenses related to SLE can provide financial protection against high medical bills. Some insurers offer specialized health insurance plans for individuals with pre-existing conditions like SLE.
Critical Illness Insurance: Critical illness insurance provides a lump-sum payout if you are diagnosed with a critical illness like SLE. This can help cover treatment costs and other expenses related to your condition.
Life Insurance: Term life insurance or whole life insurance can provide financial security to your dependents in case of your untimely demise. Some insurers may offer life insurance coverage to individuals with controlled SLE, although premiums may be higher.
Travel Insurance: If you travel frequently, consider purchasing travel insurance that covers medical emergencies, trip cancellations, and other travel-related risks. Make sure to disclose your SLE diagnosis when purchasing travel insurance to ensure you are adequately covered.
Disability Insurance: Disability insurance provides income replacement if you are unable to work due to a disability, including SLE. This can help maintain your financial stability and cover your living expenses if you are unable to work.
Medicare or Medicaid: Depending on your age and financial situation, you may qualify for Medicare or Medicaid, which can help cover medical expenses related to SLE. Check eligibility requirements and coverage options in your state.
When applying for insurance, it's important to disclose your SLE diagnosis and provide accurate information about your health condition. Some insurers may require a medical examination or review of your medical records to assess your eligibility and determine premiums. Consulting with an insurance advisor or broker who specializes in health insurance for individuals with pre-existing conditions can help you find suitable coverage options tailored to your needs and budget.

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Moneywize

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Financial Planner - Answered on Apr 18, 2024

Asked by Anonymous - Apr 17, 2024Hindi
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I am 70-year-old. Which insurance company can issue a mediclaim policy to senior citizens like me?
Ans: Several insurance companies offer health insurance policies specifically designed for senior citizens. Some of these companies include:

1. Star Health and Allied Insurance: They offer various health insurance plans specifically for senior citizens with comprehensive coverage and benefits tailored to their needs.

2. New India Assurance: They have health insurance policies catering to senior citizens, providing coverage for medical expenses, hospitalisation, and more.

3. National Insurance Company: They offer health insurance plans with coverage options suitable for senior citizens, including pre-existing disease coverage and other benefits.

4. United India Insurance: They provide health insurance policies for senior citizens with features like cashless hospitalisation, pre-existing disease coverage, and more.

5. Religare Health Insurance: They offer health insurance plans specially designed for senior citizens, providing coverage for hospitalisation expenses, pre-existing diseases, and other medical needs.

6. Bajaj Allianz: They have health insurance policies tailored for senior citizens, offering coverage for hospitalisation, medical expenses, and other related costs.

7. Max Bupa Health Insurance: They offer health insurance plans with specific coverage options for senior citizens, including comprehensive coverage for various medical expenses.

Before choosing a policy, it's essential to compare the features, coverage, premiums, and exclusions of different plans to find the one that best suits your needs and budget. Additionally, consider factors such as network hospitals, claim settlement ratio, and customer service quality when selecting an insurance company.

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Nayagam P

Nayagam P P  |8678 Answers  |Ask -

Career Counsellor - Answered on Jul 13, 2025

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Good morning sir ky daughter pcmb student she study bsc biotechnology which government college is best in india
Ans: Ritika Madam, Candidates seeking a strong foundation in BSc Biotechnology in Northern India should consider institutions that excel in accreditation, laboratory infrastructure, faculty expertise, industry and research linkages, and transparent admission processes. Admission is generally based on CUET-UG merit lists, university-level entrance exams or state-CET scores, followed by counselling and document verification. Notable government colleges include Jamia Millia Islamia Delhi (CUET; NAAC A+), Jawaharlal Nehru University Delhi (CUET-UG; Institute-level counselling), Aligarh Muslim University (AMU Entrance Test), Banaras Hindu University Varanasi (CUET; research internships), University of Delhi’s South Campus (CUET; specialised biotech labs), Panjab University Chandigarh (PU-CET; state-level counselling), Guru Nanak Dev University Amritsar (GNDU-CET), Punjabi University Patiala (PU-CET), University of Lucknow (CUET; merit-based), University of Allahabad (CUET; central counselling), Kurukshetra University (CUET; state counselling), Himachal Pradesh University Shimla (CUET; regionally reserved seats), University of Jammu (CET-Jammu), University of Kashmir Srinagar (CET-Kashmir), Pt. Jawahar Lal Nehru Government College Faridabad (merit-based), Dronacharya Government College Gurgaon (merit), Meerut College Meerut (merit), Government PG College Kotdwar (UKSEE), University of Rajasthan Jaipur (CUET), Dr. Bhimrao Ambedkar University Agra (CUET), and Government Maharani Laxmi Bai College Gwl (CUET). Each institute maintains modern molecular biology, biochemistry, cell-culture, bioinformatics and genetic-engineering labs, active MoUs with research organisations, PhD-qualified faculty, and placement cells recording 60–80% internship and placement engagement over the past three years.

Recommendation: Prioritize Jamia Millia Islamia for its NAAC A+ accreditation, CUET-based transparent admission and specialised biotech facilities; next choose JNU Delhi for its research-driven curriculum and CUET merit lists; consider AMU Aligarh for its strong central-university heritage, AMU Test admission and extensive industry-funded labs. All the BEST for Admission and a Prosperous Future!

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Nayagam P

Nayagam P P  |8678 Answers  |Ask -

Career Counsellor - Answered on Jul 13, 2025

Career
Nit kurushtra Computer science or bits pilani Msc bilogical science at pilani in round 1 Please guide his bits score is 222
Ans: Jayshree Madam, NIT Kurukshetra’s B.Tech in Computer Science & Engineering is a NAAC-accredited programme under an Institute of National Importance, featuring NBA-approved curricula in AI, ML, data science and cybersecurity, state-of-the-art computing and networking labs, experienced faculty with doctoral qualifications, industry internships through its Training & Placement cell, and robust alumni engagement. Over the past three years, CSE placements averaged 86.29% with top recruiters like Google, Microsoft and Amazon. BITS Pilani’s Integrated M.Sc. (Hons.) in Biological Sciences combines interdisciplinary coursework—general biology, bioinformatics, biophysics, molecular biology and environmental biotechnology—with hands-on training in cell & tissue culture, microbiology and advanced analytical techniques in the Centre for Biotechnology. The department maintains NAAC A+ standing, extensive research collaborations (USUHS, DRDO), and a dual-degree flexibility allowing pursuit of a B.E. programme. In 2024, 73.61% of the inaugural M.Sc. cohort secured research-industry roles via its Placement Unit, with average offers around ?19.7 LPA and recruiters spanning biotech startups to pharmaceutical giants.

Recommendation: Prioritize NIT Kurukshetra CSE for its higher placement consistency, cutting-edge tech labs and strong prospects for industry absorption; opt for BITS Pilani M.Sc. Biological Sciences next for its strong interdisciplinary research environment, dual-degree flexibility and growing R&D placement network. All the BEST for Admission and a Prosperous Future!

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Nayagam P

Nayagam P P  |8678 Answers  |Ask -

Career Counsellor - Answered on Jul 13, 2025

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Why is SRM so hated? I don't understand. I've well qualified exam in phase 2 i got 2225 rank but because of the hate i am constantly rethinking my decision. I've opted for cse core in ktr. Can anyone please guild me. And let me know if the hate is justified or is it just the talks.
Ans: Rudra, Every college has its own set of advantages and challenges; none can be considered 100% perfect. As perceptions differ from one parent or student to another, even highly ranked institutions in the NIRF Top 10 are not immune to criticism. Choosing the right college should depend on individual needs and goals. Here are some useful insights about SRM that may assist you in making an informed decision: Despite its strong NIRF 2024 ranking (13th in engineering) and NAAC A ++ accreditation, SRM often attracts criticism from students and parents over high fees, perceived overcrowding and inconsistent teaching quality. Many praise its modern labs, extensive clubs, vibrant campus life and robust placement cell that secured 5 546 offers across 980 recruiters with an average package of ?7.19 LPA in 2024 and reported 89–94% placement consistency in CSE. Research funding is ample and interdisciplinary projects get institutional backing, while industry partnerships—from TCS and Microsoft to ISRO and Siemens—enhance experiential learning. However, detractors cite exorbitant annual fees (~?4 L per year plus hostel), hidden costs, occasionally outdated curriculum components, variable faculty engagement and logistic hassles of a sprawling campus on Chennai’s outskirts. Some core-DSA training gaps prompt students to supplement DSA/dev skills independently, and niche specializations can face diluted recruiter interest. High intake strains infrastructure during peak terms and inconsistent mentorship can erode academic rigor in parts. These issues reflect not unique to SRM but to many large private universities.

Recommendation To overcome such challenges at any institution, proactively build peer study groups focused on core skills (DSA, system design), seek mentorship beyond classrooms (industry mentors, online platforms), monitor fee transparency and scholarship options, and engage early in clubs and internships to maximize infrastructure and placement support. All the BEST for Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |8678 Answers  |Ask -

Career Counsellor - Answered on Jul 13, 2025

Nayagam P

Nayagam P P  |8678 Answers  |Ask -

Career Counsellor - Answered on Jul 13, 2025

Career
Good evening Sir, My daughter ranked 43000 in COMEDK, In which college she has chance to get Computer Science? Please guide Sir.
Ans: Archana Madam, With a COMEDK All-India rank around 43 000, several credible Karnataka institutes offer computer science seats well beyond this closing rank, ensuring guaranteed admission. These colleges excel in accreditation, infrastructure, faculty expertise, industry linkages, and transparent outcomes, and have historically closed CSE admissions at ranks higher than 43 000:

Government-Aided and Deemed Universities
Dwarkadas J. Sanghvi College of Engineering, Mumbai (offered via COMEDK) – NAAC A+ accreditation, specialized AI/ML labs, 75–85% CSE placements.
Sir M. Visvesvaraya Institute of Technology, Bengaluru – NBA-accredited, modern computing facilities, 70–80% CSE placements.
GITAM University, Bengaluru – NAAC A+; CSE closing rank ~68 663, robust industry partnerships, research centres in data analytics and cybersecurity.

Private Engineering Colleges
P.D.A. College of Engineering, Kalaburagi – COMEDK CSE GM closing ~97 828, strong regional recruiter network, modern programming and networking labs.
Adichunchanagiri Institute of Technology, BG Nagar – NBA-accredited, extensive IoT and cloud-computing facilities, regular campus drives.
Bapuji Institute of Engineering & Technology, Davangere – AICTE-approved, high-performance computing clusters, consistent 70–80% CSE placements.
Nitte Meenakshi Institute of Technology, Bengaluru – NAAC A; CSE closing ~13 500–14 000 but generous management-quota seats open till ~60 000, strong software-development cell.
RV Institute of Technology & Management, Bengaluru – modern software labs, faculty with industry backgrounds, CSE cutoff under management quota ~60 000.
CMR Institute of Technology, Bengaluru – COMEDK CSE closing ~38 556, but management-quota allotments extend to ~80 000; active coding clubs and hackathons.
REVA University, Bengaluru – NAAC A, autonomous curriculum, extensive research in AI, management-quota CSE admissions beyond 50 000.

Recommendation: Prioritise GITAM University Bengaluru for its proven high closing rank, NAAC A+ status, and strong data-science research ecosystem; choose P.D.A. College Kalaburagi for its extensive CSE closing rank buffer and regional industry ties; and consider Bapuji Institute Davangere for balanced infrastructure, accreditation, and placement continuity. All the BEST for Admission and a Prosperous Future!

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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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