Free Healthcare For Pregnant Women, Infants

Toll-free number may be called for transport at time of labour

In a bid to improve the maternal and infant mortality in the country, the Union Ministry of Health and Family Welfare has decided to provide free nutritious food, treatment, and transportation to all pregnant women who go to government facilities for delivery. Free healthcare services will also be provided to the newborns, as and when required.

To be launched on June 1 from Mewat, Haryana, the scheme will be applicable for all women from the sub-centre to the district hospital levels which are covered under the National Rural Health Mission (NRHM). Expenses for diagnostics, any surgical interventions, and nutritious food will be provided up to seven days, if need be.

The Centre would undertake the costs involved in transporting pregnant women to and from medical centres, including dropping her back home, said Health Minister Ghulam Nabi Azad.

As of now, transportation facility is provided only for taking pregnant women to the health care facility during emergency or for delivery. States have been asked to ensure provision of free services to pregnant women as well as to sick infants in government health institutions. This would include, Mr. Azad said, the provision of free drugs, free consumables and diagnostics, free diet during stay and free transport.

There would be a toll-free number for every State which could be called for transport.

The money for the scheme would be provided through the NRHM and its implementation would also be monitored through the NRHM mechanism.

Also expressing concern over the selective abortion of girls, the Minister said the re-constituted Central Supervisory Board (CSB) was scheduled to meet on June 4 and all the States had been asked to give a report on the steps taken, in the past two years, under the Pre-Conception and Pre-Natal Diagnostic Techniques Act, 1994, to prevent female foeticide. Describing as alarming the skewed sex ratio in the country, Mr. Azad said figures that had come up in the latest Census report would also be discussed during the meeting.

Highlighting the achievements of his Ministry in the past two years, Mr. Azad said the government had for the first time in three decades started talking of population stabilisation openly by promoting family planning.

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What Is Covered And Not Covered In Private Car Package Policy

PRIVATE Car insurance is driven by the TAC ( tariff advisory committee – IRDA ) regulations for the standard motor policy which will be same for all the general insurance companies. The benefits and features in addition to the coverages, as mentioned in standard motor policy becomes the point of comparison

What is covered in Private car package policy ?

Risks indemnified against loss / damage to vehicle (including accessories, if covered)

Fire, explosion, self ignition, lightening

Burglary, housebreaking, theft

Riot & strike

Earthquake

Flood, typhoon, hurricane, storm

Accidental external means

Malicious act

Terrorist activity

Landslide, rockslide

In transit

Protection and removal costs (upper limit Rs. 1500) – towing facility

What is NOT covered in the policy (Exclusions)

Consequential loss

Depreciation

Wear and tear

Mechanical/ electrical breakdown

Failures

Breakage

Damage to tyres (if car not damaged - 50% clause)

Known or deliberate accidental losses/damage

Intoxicated driver

Policy conditions to be followed (area, license etc)

Other general exclusions (nuclear war etc)

Damage Caused by Overloading

Exclusions

Competitive features, benefits and add-ons given by insurance companies*

* Not the part of standard policy wordings

Cashless in preferred workshop and dealership garage

24*7 claims support

Toll free call center for claim registration and customer support

Online policy on website and self help section for customer support

EMI option for premium

Towing facility even on holidays

Instant claims assistance and sms updates for claim registration, Surveyor allocation, and payment release

Traffic updates

Zero depreciation policy

Return to invoice policy

Warranty on accidental repairs

ADD ONS - Road side assistance (Extended by service provider Mondial / RACE )

A. loss of personal belongings

B. ncb protection

C. loss of personal belongings

D. emergency transport and hotel expenses

E. key replacement

F. Daily allowance

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Types Of ICICI Credit Cards

ICICI offers many types of credit cards according to users need

ICICI Future Gold Credit Card

ICICI Platinum Credit Card

ICICI Titanium Credit Card

ICICI HPCL Gold Credit Card

ICICI Preferred Gold Credit Card

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Required Documents For Home Loan From SBI Bank

List of papers/ documents applicable to all applicants:

·	Completed loan application
·	3 Passport size photographs
·	Proof of identify (photo copies of Voters ID card/ Passport/ Driving licence/ IT PAN card)
·	Proof of residence (photo copies of recent Telephone Bills/ Electricity Bill/ Property tax receipt/ Passport/ Voters ID card)
·	Proof of business address for non-salaried individuals
·	Statement of Bank Account/ Pass Book for last six months
·	Signature identification from present bankers
·	Personal Assets and Liabilities statement
For guarantor (wherever applicable):
·	Personal Assets and Liabilities Statement
·	2 passport size photographs
·	Proof of identification as above
·	Proof of residence as above
·	Proof of business address as above
·	Signature identification from his/her present bankers
Additional documents required for salaried persons :
·	Original Salary Certificate from employer
·	TDS certificate on Form 16 or copy of IT Returns for last two financial years, duly acknowledged by IT Deptt.
Additional documents required for Professionals/self- employed/ other IT assesses:
·	Acknowledged copies of three years I.T. returns/ Assessment Orders.
·	Photocopies of challans evidencing payment of Advance Income Tax.

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Gold Loans – Quick Funds At Lower Interest Rates

Many leading gold loan providers in India are now offering discounted rates along with other additional benefits. One can now avail a loan up to Rs 1 crore against gold. They are also offering loan amounts ranging from Rs 1,305 – 2,025 per gram of gold.

Evidently rates offered by gold loans are far cheaper than a personal loan. Let’s compare the interest rates of a personal loan with a gold loan.

	Personal loan	Gold Loan
Interest Rates	14.25-19%	12-24% (depending on gold value)
Added Fees	Processing fees of 2-3%	No processing fees
Added fees	2-3% pre payment charges	No pre payment charges
Maximum loan	Rs 50 L	Rs 1 Cr.
Maximum Tenure	7 years	1 year

Opting for a gold loan instead of a personal loan is fast becoming a norm for both urban and rural India. In fact the social stigma attached to gold loans has almost diminished and they are widely recognised as acceptable means of raising funds for meeting urgent money requirements.

Providing a collateral security in the form of gold, property and even shares/debentures help in decreasing the interest rates. In case of a default, when the borrower fails to repay the loan on time the lender has an option of confiscating the security provided. Otherwise a personal loan which is an unsecured loan attracts a high interest rate as the borrower doesn’t provide any security to the lender.

Contrary to a personal loan where the bank offers a fixed interest rate, gold loan rates are hugely dependant on the safety margin you leave for the lender. That is, if you are pledging more jewellery for the same loan amount then interest rates will be conclusively lower. Thus, depending on net weight and the purity of gold interest rates vary from 10 to 17%.

Each bank has its own method to calculate the value of jewellery pledged. Some banks fix the consideration price at a level (e.g. Rs 1,000-1,200 per gram) for a period of 6 months and revise only after a year irrespective of the market value. While others take an average of two weeks’ market value and then accordingly value of the jewellery amount is decided. Some look at the daily movement of the gold price in international value and offer a loan.

The best thing about a gold loan and other secured loans is that irrespective of your credit history you can avail a loan by providing a security belonging to a third party which may include your parents, spouse, siblings and even friends.

Another advantage of a gold loan is that it is the easiest and the quickest option available. Without much paper work involved one can easily get a loan in a few minutes. The only document required for a gold loan is personal identification proof. No other document is necessary.

Thus, in case of a medical emergency where instant cash is required, one can enjoy the benefit of a hassle free expeditious disbursement of loan. More and more people are now opting for such loans whose tenure is not more than 1-2 years to finance their children’s education, buying a car or even to pay down payment for a home purchase.

The repayment of the loan can be structured between the interest amount and the principal amount. Through this means the principal can be paid at the end of the loan period in a lump sum and the interest amount can be repaid in form of an EMI in regular intervals.

For example, if you took a gold loan for Rs 2 lakhs for 2 years at 12%, then monthly you would be required to pay Rs 2,000 for 2 years. But apart from paying this 2,000 every month you will have to pay back the lump sum principal value of Rs 2 lakhs at the end of 2 years. Whereas the EMI for a personal loan of Rs 2 lakhs for 2 years at 12% interest rate would be Rs 9,400 and there won’t be any option for paying a lump sum money at the end of your tenure.

There are a few pointers to keep in mind before settling down on a specific bank or NBFC for a gold loan. Check the interest rate being offered by the lender, it should be lower than a personal loan being provided by it. Taking a loan from an NBFC is considered far costlier than a bank, some of them extending it to 33.6%. So always check in a public sector or a private sector bank for gold loan at a reasonable rate.

In fact if you can restrict your loan amount to around 50% of the market value of the jewellery then you will get reasonable interest rates.

As interest rates vary according to the quality of gold, rates would be lower on hallmarked jewellery. Banks prefer jewellery instead of gold coins while providing loans as the customer has emotional value attached to the jewellery being pledged.

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Required Document And Eligibility For Personal Loan In India

A Personal Loan, as the name suggests is a loan taken to meet personal financial needs. It can be a marriage in the family, a house renovation, buying jewellery for your wife or paying for your vacation trip. These are the moments you may be looking for some urgent need for money, and which can be met by taking a Personal loan.

Usually the procedure of Approval of personal loans are quick and a loan is approved with simple documentation.

Advantages of personal loans are Speedy Approval, flexibility to choose your loan amount ranging from 10000 to 10,00,000, Repayment period from 12 to 48 as per your interest, No need of collateral/security/guarantor.

When it comes to Loans in India, we have a number of banks dealing with personal loans, giving attractive interest rates and competitive services. So it is always advisable for anyone to do a Loan Research before actually proceeding with a loan option from a Lender.

Eligibility Criteria For Taking A Personal Loan

Documents	Salaried Individuals
Identity proof	Passport or voter's card or driving licence or PAN card and photograph
Income proof	Latest salary slip showing all deductions or Form 16 along with current dated salary certificate or ITR (last 2 years)
Residence proof	Bank Account Statement/ Latest Electricity Bill/ Latest Telephone Bill/ Latest Credit Card Bill/ Employers letter certifying current mailing address/Passport(Valid)- provided the passport address is present address mentioned in application form / Existing Registered House Lease
Proof of telephone	Latest bill of landline or mobile or WLL stating name of borrower or address of borrower
Guarantor	Optional

• Qualification or registration proof required for doctors, architects, CA, CS, ICWA, MBA consultant, engineers
• Documentary proofs required may vary from customer to customer

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Google Doodle Celebrates Mother Of Modern Dance Martha Graham's 117th Birthday

Martha Graham, the U.S. choreographer who helped to pioneer modern dance, would have been 117 today.

And to mark the anniversary, she has been celebrated by Google's third doodle of the month so far, which is another animated one.

The doodle shows dancers performing a series of flowing, emphatic Graham-esque moves. The whirling trails of their limbs spell out the six letters of the search engine's name.

Dance critics say Graham, who died in 1991 at the age of 96, was to modern dance as Pablo Picasso was to modern art.

She is credited with developing a new and codified dance vocabulary that broke the mold of traditional choreography and established a lasting alternative to the ballet tradition.

The five movements the dancers in the doodle make are actually concepts and moves Graham invented in the Twenties and Thirties.

Graham, a Pittsburgh-born daughter of a mental health physician, choreographed more than 180 works and continued to perform until the age of 75, giving her last performance in 1979.

She was the first dancer to perform at The White House, and received the Presidential Medal of Freedom among other honours.

Her legacy lives on with the Martha Graham dance company and centre for contemporary dance, which is based in new York.

A few weeks ago Google provoked much speculation after celebrating the anniversary of the ice cream sundae with a doodle.

The picture was supposedly to mark the 119th anniversary of the dessert's creation, but online blogs were buzzing with claims Google will shortly release an 'Ice Cream' operating system.

Last month, Google paid tribute to what would have been the 200th birthday of Bunsen burner inventor Robert Bunsen with an animated doodle showing a flame changing colour from blue to purple as various chemicals bubble brightly in pots and test tubes.

In February, the search engine marked Valentine's Day with a tribute to artist Robert Indiana's famous 'LOVE' sculpture.

Its homepage exhibited a remodelled version of the landmark piece of Pop Art.

The doodle kept the simple red, blue and green colour of the original art and replaced the first 'O' in Google with a love heart, while slanting it's second 'O' in homage.

That same month the search engine marked the 183rd anniversary of the birth of French science-fiction writer Jules Verne.

That doodle turned the Google logo into a cluster of submarine portholes of a distinctly vintage variety.

Behind these windows lay an ocean peacefully splashing away - but users were able to control the depth and direction of the submarine using the lever to the right of the logo.

Perhaps Google's most famous interactive Google Doodle was the Pac Man game last May. The playable game was posted online to mark the 30th birthday of the classic arcade title.

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Motor Insurance Claims Process In India

DO YOU KNOW ??

MOTOR INSURANCE Claims’ process :-

1. Claim to be intimated immediately after accident at call centre

2. Survey to be conducted in 6-24 working hours (BASIS OF REACH)

3. Vehicle to be repaired at garage

4. Payment to be processed on receipt of repair invoice

The claim can be settled in the form of the Cashless or Reimbursement by the Insurance company. In the cashless scenario the claim is being settled through the tie-up garage where the insurance liability payment is done directly to the garage post repair, customer has to pay only its own liability part.

All NetAmbit insurance partners do have cashless facility where the garage details is being published on there respective website.

DOCUMENTS to be SUBMITTED at time of CLAIM

Mandatory Documents

• Claim Form,

• Registration copy,

• Policy / Cover note copy,
• Driving License,
• Garage Estimate,
• Original Repair Invoice

Additional Documents

l* Fitness Certificate,

2 *Load Challan,

3 *Route permit,

4* Road Tax

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