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Jinal

Jinal Mehta  |105 Answers  |Ask -

Financial Planner - Answered on Jun 17, 2024

Jinal Mehta is a qualified certified financial professional certified by FPSB India. She has 10 years of experience in the field of personal finance.
She is the founder of Beyond Learning Finance, an authorised education provider for the CFP certification programme in India.
In addition, she manages a family office organisation, where she handles investment planning, tax planning, insurance planning and estate planning.
Jinal has a bachelor's degree in management studies. She also has a diploma in in financial management from NMIMS, Mumbai.
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Jagadesan Question by Jagadesan on Jun 15, 2024Hindi
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What do we do the add pre existing disease in ICICI Lombard now and my policy is almost renewed thrice

Ans: you can ask your insurance agent to update the information with the company. please note that your premiums may increase post this. I would suggest that you add the information as a new updated information.
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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Sanjib

Sanjib Jha  | Answer  |Ask -

Insurance Expert - Answered on Nov 24, 2022

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I was customer of Oriental Bank of Commerce. Being a customer of Oriental Bank of Commerce, Oriental Insurance Company provided Group Health Insurance Policy and inception date was 04-05-2015. My policy with them continued till 03-05-2021 without any break. Because Oriental Bank of Commerce merged with Punjab National Bank, Oriental Insurance Company discontinued that policy from 03-05-2021 onward. Being a customer of Punjab National Bank, I approached them, and they migrated my Group Health Insurance Policy of Oriental Insurance Company to Star Group Health Insurance Policy for customers of Punjab National Bank from 04-05-2021 to 03-05-2022.  As All my policy periods were continued from 04-05-2015 till 03-05-2021 with Oriental Insurance Company, Star Health Insurance given me the benefit of pre-existing disease waiting periods being waived because of continuity (They mentioned it in Policy Document too). They reimbursed my 1st claim of 15 July to 22 July 2021 (Non Empaneled Hospital) and Cashless claim of 16 December to 19/12/2021 but denied reimbursement of 19/12/2021 to 26/12/2021 with the excuse of pre-existing disease even I directly shifted from cashless hospital to non-Empaneled Hospital for same problem because Empaneled hospital having been less facilities.  Here I want to address that I was discharged from Cashless Hospital, on request, to get treated in Higher Hospital and treatment was in continuation of previous cashless hospital to new hospital. So, sir, please guide me accordingly as my correspondence with them is not fruitful.

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Milind

Milind Vadjikar  | Answer  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Feb 11, 2025

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my policy number was taken on 19 February 2021, in the first week of March 2021 suddenly my blood pressure increased, due to which the doctor asked me to undergo angiography. After that the doctor asked to do angioplasty immediately and thus on 18 March 2021 I got angioplasty done. Now I am completely healthy, since my illness occurred within 31 days of taking the policy, company agent told me that there is no provision to cover any health related problem within 31 days. Company agent told me that there is no provision to declare any illness midway. Now I am completely healthy. Company not include my above mentioned health condition in my policy. And compny given me reply "Dear Mr. Jain, We acknowledge the receipt of your mail. With reference to our previous telcon, this is to inform that any disease or ailment/illness if found after inception of policy. It is not required to disclose under policy. But if you still wish to disclose the disease then kindly find the attached PED inclusion form, fill and submit us for further evaluation. Note : To note the disease in the policy PED form is mandatory. We request you to provide the Medical reports/ Discharge summary /any relevant /First consultation paper / medical document of the said procedure/diagnosis, which shall be kept for our reference. " What can I do.
Ans: Hello;

I feel no need to inform this to the insurer now since you acquired it after policy inception.

However you may update it to the insurance company sighting change in health status before next renewal.

Most likely renewal will get rejected or will be accepted without this condition.

Check on cardiac exclusive policies to cover your ailment.

Also keep an emergency fund aside as a safe provision in case any unforeseen situation arises.

Best wishes;

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Milind

Milind Vadjikar  | Answer  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Mar 17, 2025

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Sir need clarification regarding 1.i have done Reliance health infinity insurance for 15 lacks .date of inception is 11-6-2020 PEDs not disclosed ( DM,Hypothyroidism)( done by agent not verified me at that time) 2. Did Reliance Super top up policy after 11-7-2022 online by Reliance agent during this i disclosed that PEDs (DM,Hypothyroidism) and at that time specifically mentioned to online agent regarding PEDs and also told him to PEDs not mentioned in base policy please correct it. I never utilised insurance policy for any claims. During 23-4-24 i diagnosed to have Acute Myeloid Leukemia for which i applied for cashless admission for Reliance health infinity insurance ( base policy) They simply rejected on the basis of PEDs not disclosed. And told that your policy is canceled. But i kept a letter to company stating that in base policy PEDs not disclosed, but in super top up policy i mentioned Again the base policy renewal done after expiry by company online. Later also i went for cashless admission again they rejected claim for base policy. My question is why they did renewal of that base policy inspite of first rejection. And for super top up policy it can be claimed after spending 15 lacks i applied for cashless, they processed it and told to come for reimbursement claim After discharge i applied for reimbursement claim they simply replied that your PEDs not told correct duration since how many days. So we are rejecting this policy also For this what should i do, please Ag
Ans: Hello;

In any insurance adequate disclosure is essential to get a thorough underwriting check and risk acceptance.

Once insurance company agrees to insure with the disclosures then chances of claim rejection are remote.

You may escalate the matter with Compliance Officer of the insurance company, insurance ombudsman or IRDAI for an amicable settlement, if possible.

You may also check with organisations such as "beshak.org" for any possible help in the matter.

Best wishes;

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Nayagam P

Nayagam P P  |10992 Answers  |Ask -

Career Counsellor - Answered on Apr 16, 2026

Career
Sir , may i get a seat in nit patna with jee percentile 90 with home state quota
Ans: Pallavi, the rank range based on your 90 percentile is approximately 45000 to 75000, with females benefiting from gender-neutral quotas. However, exact rank depends on session normalization/the total number of students who appeared. You can use the NTA rank predictor post-exam from Google. Regarding chances of getting admission into NIT-Patna, based on the last 2-3 years' opening and closing ranks, please note, getting a seat in much-in-demand branches (such as CSE, ECE, Electronics (VLSI), Electrical, and AI-DS) will be difficult. However, chances are higher (till the last round of counseling) for Chemical Technology Dual Degree, Civil Engineering, Civil Engineering Specialisation (Dual Degree), Electrical Engineering Specialisation (Dual Degree), and Mechanical Engineering & Mechatronics/Automation (Slight Chances). It is advisable to fill out the maximum number of your preferred branches and those branches that are realistic to get admission to, and also please do not limit yourself to your home state only. If possible, be flexible and try to cover the maximum number of NITs in Northern/Northeastern states. And, if affordable by your parents, try 3-4 other reputed private engineering colleges also as backups with your JEE score, instead of relying only on NIT/JoSAA. Also, please note that your interest in any branch is important. Don't accept a branch you're not interested in or don't prefer. ALL the BEST for Your Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

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Aasif Ahmed Khan

Aasif Ahmed Khan   |171 Answers  |Ask -

Tech Career Expert - Answered on Apr 16, 2026

Asked by Anonymous - Apr 15, 2026Hindi
Career
Sir maine isi saal apni 12th pass ki hai and mai ab bsc karna chahti hu and mera dream cgl me income tax officer banna hai to mai chahti hu ki aap mujhe advice de ki mai abhi se apni preperation kis platform se start karu taki mera first attempt me hi ho jaye kyoki mere aas paas koi mujhe guide karne wala nhi hai mai ek chhote se gaon se hu aur mere paas ab sirf 4 se 5 saal varna fir saadi ho jayegi
Ans: Action Plan for First Attempt Success. Daily 3–4 hours enough hai (BSc ke saath manageable)
1. Abhi se ek trusted platform join karo.
2. Ek fixed timetable banao aur usko strictly follow karo.
a. 1 hour Maths
b. 1 hour Reasoning
c. 1 hour English
d. 30 min GK/Current affairs
else
a. Morning (2 hrs): Quantitative Aptitude practice
b. Afternoon (2 hrs): English grammar + comprehension
c. Evening (2 hrs): GK + Current Affairs
d. Night (1 hr): Reasoning practice + revision
dono me se jo best lage strict follow karna.

3. Mock tests aur PYQs ko apni preparation ka core banao.
4. Current Affairs daily update rakho (newspaper + monthly magazine).
5. CGL ek high competition exam hai, SSC CGL me 4 main subjects hote hain:
a. Quantitative Aptitude (Maths)
b. Reasoning
c. English
d. General Awareness (GK + Current Affairs)

6. Sirf “padh lena” enough nahi hota → practice + mocks = success, Bsc. 2nd year se serious mocks start karo.
Enroll in SSC Mahapack of anyone from Physics Wallah/Adda247/CareerWill (Maths + Reasoning)/KD Campus (English + practice)/Study IQ (GK basics).

7. Consistency sabse bada factor hai :
a. Maths: Basic se start karo (NCERT + practice) focus on Arithmetic topics: percentages, ratios, averages, profit & loss).
b. Reasoning: Easy scoring hai, roz thoda practice
c. English: Daily newspaper reading + grammar
d. Previous year questions solve karo
e. Mock tests start karo
f. Speed + accuracy build karo, make handwritten notes for GK and formulas.

8. Books
a. Maths: NCERT (Class 6–10) + SSC level practice + R.S. Aggarwal
b. English: Objective General English by S.P. Bakshi + Wren & Martin Grammar + Arihant English + daily newspaper The Hindu or Indian Express editorial.
c. GK: Lucent GK (basic ke liye best) + Current Affairs (monthly magazines) + basics of history, polity, geography.
d. Verbal & Non-Verbal Reasoning by R.S. Aggarwal, focus on puzzles, seating arrangement, coding-decoding.

#Overall Guide-Arihant SSC CGL Guide, Covers Tier 1 & 2 syllabus comprehensively.
#Practice Sets-Kiran’s SSC CGL Practice Papers, Large question bank with solutions.
#Previous Year Papers-Disha Topic-wise Solved Papers, Helps understand exam pattern & trends.

10. Social media distractions kam karo.
11. Too many sources creates confusion. Stick to 1 book per subject + 1 online course.
12. Avoid free random PDFs. Many are outdated or incorrect.

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Pushpa

Pushpa R  |76 Answers  |Ask -

Yoga, Mindfulness Expert - Answered on Apr 16, 2026

Asked by Anonymous - Mar 31, 2026Hindi
Health
I am 35 and I just had a baby last year. I have never joined a gym but now i have gained 14 kilos. My body still doesn't feel like mine, and I don’t want to rush into heavy workouts. When is it actually safe to start postnatal yoga for weight loss? I had a c-sec delivery.
Ans: First, please don’t rush or feel pressured. Your body has gone through a big change. It needs time, care, and patience—especially after a C-section.

When to start postnatal yoga?
After a C-section, usually 8–12 weeks rest is needed before starting gentle yoga. But this is not the same for everyone. You must take doctor’s approval first before starting.

Even after approval, don’t jump into weight loss yoga immediately.

Start in stages:

1. First stage (very gentle)
Deep breathing, simple hand and leg movements, relaxation. This helps healing and reduces stress.

2. Second stage
Pelvic floor strengthening and mild core activation. This is very important after delivery.

3. Third stage (gradual weight loss)
Slow Surya Namaskar, Bhujangasana, Setu Bandhasana, and gentle twists. This will slowly reduce weight and tone the body.

Remember, your goal is not just weight loss. It is to rebuild strength, hormones, and energy.

Also, lack of sleep and stress can slow weight loss. So be kind to yourself.

Please don’t practice from videos. Postnatal recovery needs careful guidance, especially after C-section. A qualified yoga and meditation coach can safely guide your recovery step by step.

You will feel like yourself again—slowly and naturally.

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

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Pushpa

Pushpa R  |76 Answers  |Ask -

Yoga, Mindfulness Expert - Answered on Apr 16, 2026

Asked by Anonymous - Apr 14, 2026Hindi
Health
My teenage son is stuck with his phone playing games and chatting on some app. He is in class 9 and struggling with focus, screen addiction, and mood swings. Can you suggest some yoga or mindfulness techniques to improve concentration, emotional stability, and sleep? I have tried cutting his screen time but he stopped talking to me. What should I do?
Ans: I understand your concern. At this age, forcing or cutting suddenly can create distance. Your son is not “wrong” — he is just stuck in a habit loop. First, rebuild connection, then slowly guide change.

What should you do first?
Talk to him calmly, not as a parent correcting him, but as a friend listening. Avoid blaming. Ask simple questions like, “Are you feeling stressed?” or “Is something bothering you?” When he feels understood, he will open up.

Now, introduce yoga and mindfulness gently:

Start with 5 minutes only – don’t force long sessions.
Deep breathing (Anulom Vilom) – improves focus and calms mind.
Bhramari (humming breath) – reduces anger and mood swings.
Simple stretches + Surya Namaskar (slow) – releases restlessness.
Trataka (candle gazing) – improves concentration.
Short meditation before sleep – helps better sleep.

Make it a family activity, not a punishment. Even 10 minutes together builds bonding.

Also, don’t remove phone completely. Instead, create small limits and replace with engaging activities like sports or music.

Most important, teenage minds need careful handling. Please don’t try everything on your own. A trained yoga and meditation coach can guide both you and your son in a safe, friendly way.

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

...Read more

Pushpa

Pushpa R  |76 Answers  |Ask -

Yoga, Mindfulness Expert - Answered on Apr 16, 2026

Asked by Anonymous - Mar 31, 2026Hindi
Health
I wake up every morning with extreme pain in my heels. I can't put my foot down for a very long time. I am 41. I am not diabetic. Can you suggest some remedy or yoga exercises I can do?
Ans: Morning heel pain like you described is very common. It is often due to stiffness in the foot muscles after long rest (sometimes called plantar fascia tightness).

Don’t worry—yoga and simple care can help. But you must be gentle.

First, before getting out of bed:
Move your feet slowly. Point toes up and down, rotate ankles. This reduces sudden pain when you step down.

Yoga practices you can do:

1. Ankle rotation – 10 times each side, very slow.
2. Toe stretch – sit and gently pull toes towards you.
3. Tadasana (standing) – improves weight balance on feet.
4. Vajrasana (if comfortable) – improves circulation in legs.
5. Calf stretch (wall support) – reduces heel strain.
6. Pavanamuktasana (lying) – improves blood flow and relaxation.

Simple daily care:
Use warm water soaking for feet. Avoid walking barefoot on hard floor. Wear soft, supportive footwear.

Very important: do not ignore pain and don’t do strong poses suddenly. Wrong practice can increase strain.

Your body needs a personalized plan based on your condition. I strongly suggest learning from a qualified yoga or meditation coach instead of practicing on your own.

With the right guidance and regular practice, pain can reduce slowly.

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

...Read more

Pushpa

Pushpa R  |76 Answers  |Ask -

Yoga, Mindfulness Expert - Answered on Apr 16, 2026

Asked by Anonymous - Apr 14, 2026Hindi
Pushpa

Pushpa R  |76 Answers  |Ask -

Yoga, Mindfulness Expert - Answered on Apr 16, 2026

Asked by Anonymous - Apr 14, 2026Hindi
Health
I'm a working mother battling extreme anxiety. I visited a therapist who suggested meditation and journaling to express my feelings. But it is not helping, I am not able to calm down and sit quietly to meditate. What should I do?
Ans: I understand what you are going through. When anxiety is high, sitting quietly for meditation can feel very difficult. Please don’t force yourself to “sit still and calm down.” It can increase frustration.

Start with movement before meditation.

Your body is restless, so first release that tension:

1. Gentle movements (5–10 minutes)
Neck rolls, shoulder rotations, slow walking. This helps the body settle.

2. Breathing practice
Try deep belly breathing. Inhale slowly, exhale longer than inhale. No pressure to be perfect. Just breathe.

3. Bhramari (humming breath)
Close eyes, gently hum. The vibration naturally calms the mind.

4. Short guided relaxation
Lie down in Shavasana. No effort. Just listen to your breath. Even 3–5 minutes is enough.

Meditation does not always mean “sitting silently.” For you, it can begin with breathing and relaxation. Slowly, your mind will become ready.

Also, journaling may feel heavy sometimes. Instead, write just one line: “What am I feeling right now?” Keep it simple.

Most important, please don’t handle this alone. Anxiety needs gentle, step-by-step guidance. A trained yoga and meditation coach can support you personally and safely.

You are not alone in this journey. With the right approach, calmness will come.

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

...Read more

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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