I have a unique situation and so a unique query. 

I have a medical insurance and a top up insurance since 2020 for my family of 4 (me, my wife and 2 children). I have renewed it on time so far. The current renewal is due soon. 

Meanwhile, I had to travel to the USA to meet my family, where my wife is employed on non-immigration visa for short term, with employer insurance for her and the family. 

During my stay in the USA, I unfortunately had a massive heart attack. The insurance took care of the expenses as per the policy. 

My question is, when I come back to India, will the insurer cover me for this heart attack (does it become pre-existing now?), related treatment expenses?

What are the IRDAI guidelines for such cases? What are my responsibilities? Will premiums increase? Will waiting period increase? Hope you can help. 

Ans: As you are well qualified, you can apply and pick a job in the field of agriculture, fertiliser marketing, and even working with a landscape architecture firm. The key is not to get disheartened, keep trying all your options with sincere efforts, prepare well for th einterview and present yourself as a confident person and you will find a good opening.

Ans: I am sure there are opportunities in design in your construction firm as well, discuss with your manager/superiors to see if you can move into a design role. In case it does not work out, try looking for opportunities outside and you will find good options

Ans: You have identified 2 areas --accounts and technology -- that dont interest you. There are multiple options in other subjects, discipline that you cI suggest you complete your BCom final year and then look for a non accounting job--from sales, project management, marketing. You have to apply your mind with a single minded focus to whatever you pick and make a success out of it. You have success coming your way with aptitude to excel with dedication, hard work.

Ans: Biotechnology and bioinformatics are indeed sunrise areas calling out for more research and innovation to benefit humanity. However, it is difficult to say if this is the best course. Lot will depend on how you apply your classroom, lab and research to the subject.

Ans: You are right. There are many facets when you work as an entrepreneur and it is good to have a partner, whose vision matches yours and has complementary skills.

Ans: It sounds like you've had to make some difficult financial decisions due to the challenges posed by the pandemic. Planning for retirement can be daunting, especially when unexpected events like reduced income or unexpected expenses arise. Here is a 10-point checklist you can follow to plan for your retirement given your current situation:

1. Assess your current financial situation: Take stock of all your assets, savings, investments, and any other sources of income. This includes your remaining PF balance, any other retirement accounts, investments, and savings.

2. Estimate your retirement expenses: Calculate your expected expenses during retirement, including housing, healthcare, daily living expenses, and any other costs you anticipate. Be realistic in your estimations.

3. Consider your sources of income: Apart from your PF, consider any other sources of income you may have during retirement, such as pension plans, rental income if you have any other properties, investments, or any other assets.

4. Review your investment strategy: Given your limited time until retirement, it's crucial to ensure that your investments are aligned with your retirement goals and risk tolerance. Consider consulting with a financial advisor who can help you optimise your investment portfolio for retirement.

5. Maximise your savings: Since you have two years until retirement, try to maximise your savings during this time. Cut down on unnecessary expenses and consider additional income streams if possible.

6. Explore retirement options: Look into various retirement options available to you, such as annuities, systematic withdrawal plans, or any retirement benefits you may be eligible for from your employer or government.

7. Consider downsizing: If your current living situation is not financially sustainable during retirement, consider downsizing to a smaller home or relocating to an area with a lower cost of living.

8. Plan for healthcare costs: Healthcare expenses tend to increase during retirement, so make sure you have a plan in place to cover these costs. This may include purchasing health insurance or setting aside funds specifically for medical expenses.

9. Create a contingency plan: Prepare for unexpected events by having a contingency plan in place. This could include building an emergency fund or having insurance coverage for major expenses.

10. Regularly review and adjust your plan: Life circumstances and financial markets can change, so it's essential to regularly review and adjust your retirement plan as needed to ensure you stay on track to meet your goals.

It's understandable to feel concerned about your financial security in retirement, but with careful planning and prudent financial management, you can work towards a comfortable and secure retirement. Consider seeking guidance from a financial advisor who can provide personalised advice based on your specific situation and goals.

Ans: It sounds like you're dealing with a complex situation that's bringing up a lot of emotions for you. It's completely natural to feel uncomfortable or insecure in a situation like this, especially when there are reminders of your partner's past relationship.

First and foremost, communication is key. Talk openly and honestly with your boyfriend about how you're feeling. Let him know that you're struggling with these emotions and that you want to find a solution together. It's important for him to understand where you're coming from and to be supportive of your feelings.

Additionally, try to focus on building trust and strengthening your relationship with your boyfriend. Remind yourself of the reasons why you love him and the bond that you share. Trust that he's committed to you and that his past relationship is just that – in the past.

It's also worth considering setting boundaries with your boyfriend's sister-in-law, particularly when it comes to sharing information about your household or your relationship with his ex. Let her know that while you appreciate her relationship with your boyfriend and her niece, you would prefer to keep certain aspects of your personal life private.

Remember, it's okay to feel the way you do, but it's important to address these feelings constructively and work towards a resolution that allows you to feel comfortable and secure in your relationship.

Ans: Yes

In case of gift, period of holding of previous owner will be added

Ans: Yes shifting from one fund to another will be considered as transfer