EPFiGMS Portal: Product Raised, No Response from Employer After 1 Month - What Should I Do?

Ans: We will need to check with different health insurance companies and share your case history in detail. There are chances of getting a policy, but it depends on the underwriter’s assessment. Age, any other medical conditions, pre-existing diseases and the severity of the earlier cardiac issue all play a role.

Sometimes insurers give a counter-offer with a higher premium, a co-payment clause or a permanent exclusion for heart-related conditions while covering everything else.
We also need to check whether porting is possible or if a fresh policy is better.

One important point: please do not cancel your existing policy under any circumstance until a new cover is issued and active.

Alongside insurance, it is always wise to keep a reasonable emergency fund in liquid form such as fixed deposits or liquid mutual funds to handle any immediate medical requirement.

please feel free to ask any further questions you can connect us 044-31683550 if facing any problem

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

Ans: Your question is unclear because you have combined many queries into one. However, I will attempt to answer based on my understanding. Please do not mind; from the question, I can guess that you may be facing problems with the subjects, either in terms of understanding or from other aspects.

Your NIOS 2026 combination (Physics, Maths, English, Physical Education, and Biotechnology instead of Chemistry) complies with JoSAA Annexure 2(a)/(b) requirements, so you will be eligible for JoSAA counselling for BTech in IITs/NIT+ system, subject to passing all subjects and meeting the JEE Advanced and overall eligibility/percentile criteria. However, it is highly recommended to refer to the latest brochure published by NTA on the official website of JEE.

Good luck.
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Radheshyam

Ans: All five listed subjects (PCB, Maths, and English) are considered main subjects. Maths (041) is not an additional requirement, and yes, this combination is valid for pursuing engineering.
Recommendation - It would be better to choose PCMB. If you are more inclined towards engineering, then it would be wiser to set aside biology or just take it for passing purposes. Do not create confusion without any reason. From a future perspective, the XII Board mark sheet with PCMB taken together offers more advantages.

Good luck.
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Radheshyam

Ans: Yes. You can reappear using Form No. 17 for score improvement in Feb 2026, and it is not risky for a medical career, as improvement exams are valid and accepted. Be worry-free and focus on the upcoming improvement examination. Appear with an ignited mind to score more.

Good luck.
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Radheshyam

Ans: Hi,
Resend your query with more details.
with regards

Ans: HI Thamizh,
Before I review the course, I would like to know how your chemistry skills compare to your abilities in other subjects like physics, biology, and mathematics. Could you share this information with me? This will help me provide better suggestions.

Also, it's worth noting that national institutes generally have a stronger reputation for placements compared to private universities or institutions. Since you secured your seat through the counseling process, you are in a good position.

WITH REGARDS.

Ans: This requires a longer discussion - you may wish to schedule an interaction on https://andwemet.com/ if you like - however for now - you have to have this conversation which you should - be prepared for a push back (or they may surprise you and say a yes) - when that happens listen to them - do not react, keep quiet - do not fight it. This does not mean you are agreeing to their reaction - it means you are sure and are thinking on how to manage it calmly. I am confident if you handle this calmly your family will agree in time - all the best.

Ans: plan for an inperson meeting - get your issues sorted out in person - misunderstandings will happen - one needs to work around them. all the best.

Ans: Dear Sir,
Thank you for your message. At 53, even with a bypass surgery done in 2024, term insurance is still possible, but approval depends on a detailed medical and financial review. Insurers will ask for reports such as ECG, TMT, 2D Echo and your discharge summary. They also consider your age, current income and three years of ITR or salary proof, along with any other pre-existing conditions.

please focus on taking medical insurance , you can 044-31683550 for any requirements

Most companies offer coverage up to age 75 or 80, but the premium may be higher. Tele or video medicals are usually part of the process and the final decision rests with the underwriter after reviewing all documents.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai