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How is the rate calculated in epidemiology?



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scheduled repetition interval               last repetition or drill

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A disease may occur in a country at a regular annual rate, which makes it endemic.

If there is a sudden rise in the number of cases in a specific month, we say that there is an epidemic.

As the disease continues to rise and spread to other countries, it becomes a pandemic.

Thus the terminology is related to both the number of cases and its geographical distribution.

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Flashcard 6209865649420

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How is Incidence Rate (IR) calculated?



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The government also asked it to respond to about 14 detailed questions with regard to changes made in the privacy policy within seven days. These include questions such as exact categories of data that WhatsApp collects from Indian users, details of permissions sought and their utility, if it does profiling of Indian users on the basis of app usage, difference between privacy policy of the application in India and in other countries, if WhatsApp shares data with other apps, whether WhatsApp captures info about other applications running on the mobile phone device of the user and on which server is the data of Indian users transmitted and hosted.
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nd European users is attracting serious criticism and betrays a lack of respect for the rights and interest of Indian citizens, who form a substantial portion of WhatsApp’s user base,” it said. <span>The government also asked it to respond to about 14 detailed questions with regard to changes made in the privacy policy within seven days. These include questions such as exact categories of data that WhatsApp collects from Indian users, details of permissions sought and their utility, if it does profiling of Indian users on the basis of app usage, difference between privacy policy of the application in India and in other countries, if WhatsApp shares data with other apps, whether WhatsApp captures info about other applications running on the mobile phone device of the user and on which server is the data of Indian users transmitted and hosted. Speaking at an event earlier in the day on Tuesday, Electronics and IT Minister Ravi Shankar Prasad said, “Be it WhatsApp or any other digital platform, you are free to do business in I




The government expressed concern over the way in which Indian users have been made subject to these changes. “By not providing Indian users with the ability to opt-out of this data sharing with other Facebook companies, WhatsApp is treating users with an ‘all-or-nothing’ approach…[this] takes away any meaningful choice from Indian users,” it added.
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the sensitive information also exposes a very large segment of Indian citizens to greater information security risks and vulnerabilities creating a potential honeypot of information,” it said. <span>The government expressed concern over the way in which Indian users have been made subject to these changes. “By not providing Indian users with the ability to opt-out of this data sharing with other Facebook companies, WhatsApp is treating users with an ‘all-or-nothing’ approach…[this] takes away any meaningful choice from Indian users,” it added. A letter from the Editor Dear reader, We have been keeping you up-to-date with information on the developments in India and the world that have a bearing on our health and wellbeing, ou




WhatsApp, for whom India is among the biggest markets with over 400 million users
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n there is around our recent update. There’s been a lot of misinformation causing concern and we want to help everyone understand our principles and the facts,” the company said in a blog post. <span>WhatsApp, for whom India is among the biggest markets with over 400 million users, said, “We’re now moving back the date on which people will be asked to review and accept the terms. No one will have their account suspended or deleted on February 8.” The company said




WhatsApp, it said, was built on a simple idea: what you share with your friends and family stays between you, while stressing that users’ personal conversations are end-to-end encrypted so that neither WhatsApp nor Facebook can see these private messages.
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information around how privacy and security works on WhatsApp and “we’ll then go to people gradually to review the policy at their own pace before new business options are available on May 15”. <span>WhatsApp, it said, was built on a simple idea: what you share with your friends and family stays between you, while stressing that users’ personal conversations are end-to-end encrypted so that neither WhatsApp nor Facebook can see these private messages. “It’s why we don’t keep logs of who everyone’s messaging or calling. We also can’t see your shared location and we don’t share your contacts with Facebook,” it said, adding that with th




“It’s why we don’t keep logs of who everyone’s messaging or calling. We also can’t see your shared location and we don’t share your contacts with Facebook,” it said, adding that with the recent update, this will not change. Instead, the update will include new options people will have to message a business on WhatsApp, and provides further transparency about how the platform collects and uses data.
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with your friends and family stays between you, while stressing that users’ personal conversations are end-to-end encrypted so that neither WhatsApp nor Facebook can see these private messages. <span>“It’s why we don’t keep logs of who everyone’s messaging or calling. We also can’t see your shared location and we don’t share your contacts with Facebook,” it said, adding that with the recent update, this will not change. Instead, the update will include new options people will have to message a business on WhatsApp, and provides further transparency about how the platform collects and uses data. “While not everyone shops with a business on WhatsApp today, we think that more people will choose to do so in the future and it’s important people are aware of these services. This upd




Production in India, the world’s second-largest sugar-producing country,
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The country’s sugar output rose by 31% to 142.7 lakh tonnes in the first three-and-a-half months of the 2020-21 marketing year that started in October, industry association ISMA said on Monday. <span>Production in India, the world’s second-largest sugar-producing country, had been recorded at 108.9 lakh tonnes till January 15 of the 2019-20 marketing year (October-September). The Indian Sugar Mills Association (ISMA) has projected sugar output to rise 13




Production in India, the world’s second-largest sugar-producing country, had been recorded at 108.9 lakh tonnes till January 15 of the 2019-20 marketing year (October-September).
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The country’s sugar output rose by 31% to 142.7 lakh tonnes in the first three-and-a-half months of the 2020-21 marketing year that started in October, industry association ISMA said on Monday. <span>Production in India, the world’s second-largest sugar-producing country, had been recorded at 108.9 lakh tonnes till January 15 of the 2019-20 marketing year (October-September). The Indian Sugar Mills Association (ISMA) has projected sugar output to rise 13% to 310 lakh tonnes in the 2020-21 marketing year on likely higher availability of sugarcane, as against




Sugar production in U.P., the country’s leading sugar- producing State
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t is higher by 33.76 lakh tonne so far this year as compared to last year’s production for the corresponding period. It said 487 sugar mills were in operation in the said period as against 440. <span>Sugar production in U.P., the country’s leading sugar- producing State, remained slightly lower at 42.99 lakh tonnes till January 15, as against 43.78 lakh tonne in the year-earlier period. A letter from the Editor Dear reader, We have been keeping you up-




Automakers around the world are shutting assembly lines because of a global shortage of semiconductors that in some cases has been exacerbated by the Trump administration's actions against key Chinese chip factories, industry officials said
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against the sprawling consumer electronics industry for chip supplies. (Subscribe to our Today's Cache newsletter for a quick snapshot of top 5 tech stories. Click here to subscribe for free.) <span>Automakers around the world are shutting assembly lines because of a global shortage of semiconductors that in some cases has been exacerbated by the Trump administration's actions against key Chinese chip factories, industry officials said. The shortage, which caught much of the industry off-guard and could continue for many months, is now causing Ford Motor Co, Subaru Corp and Toyota Motor Corp to curtail production in t




The RBI is expected to set out proposals in a discussion paper next week, recommending that bigger shadow banks maintain a statutory liquidity ratio, the sources said.
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Infrastructure Leasing &Financial Services, the largest non-bank financial company, went bankrupt in 2018, and Dewan Housing Finance Corp. and Altico Capital defaulted on payments in 2019. <span>The RBI is expected to set out proposals in a discussion paper next week, recommending that bigger shadow banks maintain a statutory liquidity ratio, the sources said. The officials asked not to be named as the discussions on the proposals are not public. India’s banks must maintain at least 18% worth of deposits that they must hold in cash, gold or g




The RBI could also suggest large non-banks be required to maintain a cash reserve ratio. For banks this ratio is 3%,reduced from 4% in a measure the central bank imposed that is to be reversed after March 31.
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asked not to be named as the discussions on the proposals are not public. India’s banks must maintain at least 18% worth of deposits that they must hold in cash, gold or government securities. <span>The RBI could also suggest large non-banks be required to maintain a cash reserve ratio. For banks this ratio is 3%,reduced from 4% in a measure the central bank imposed that is to be reversed after March 31. The move could be a huge cash drain for the sector which is currently free from maintaining these reserve ratios, allowing them to lend to sub-prime lenders as well. The proposal is exp




The move could be a huge cash drain for the sector which is currently free from maintaining these reserve ratios, allowing them to lend to sub-prime lenders as well.
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lso suggest large non-banks be required to maintain a cash reserve ratio. For banks this ratio is 3%,reduced from 4% in a measure the central bank imposed that is to be reversed after March 31. <span>The move could be a huge cash drain for the sector which is currently free from maintaining these reserve ratios, allowing them to lend to sub-prime lenders as well. The proposal is expected to recommend a phased implementation of the reserve ratios, giving non-banks time to comply, one official said. “Cost of compliance to rules and regulations sho




There are nearly 10,000 shadow banks in India but just over two dozen are thought to be large enough to pose systemic risks,sources said.
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ancial inclusion is still low.” At its last monetary policy meeting last month, Mr. Das said, regulations of shadow banks need review and that a discussion paper would be issued by mid-January. <span>There are nearly 10,000 shadow banks in India but just over two dozen are thought to be large enough to pose systemic risks,sources said. Raising liquidity ratios “or other liquidity buffers could pose a drag on their earnings” said AM. Karthik, head of financial sector ratings at ICRA. Lenders will also have to manage th




What is sum insured?
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ough a novice may interpret the two to mean the same, the actual meanings are significantly different. While sum assured refers to the benefit, sum insured is the reimbursement of insured loss. <span>What is sum insured? Non-life insurance policies, such as motor, home and health, which work on the principle of indemnity offer an amount called sum insured. Indemnity refers to the compensation that insur




What is sum assured?
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enefit to the policyholder and only the amount that is equal to the actual loss suffered should be paid to him. This is why the cover in non-life insurance policies is known as the sum insured. <span>What is sum assured? Sum assured is a pre-decided amount that the insurance company pays to the policyholder when the insured event takes place. For example, when you buy a life insurance policy, the insure




Vaccination, inoculation procedures are usually not covered by health insurers

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49 IST K. NITYA KALYANI January 17, 2021 23:05 IST Updated: January 17, 2021 14:49 IST Vaccination, inoculation procedures are usually not covered by health insurers Share Article 0 PRINT A A A <span>Vaccination, inoculation procedures are usually not covered by health insurers If immunisation is insurance against disease, what about insurance for immunisation? I just checked my policy and immunisation procedures such as vaccination and inoculation are express




Many general insurance companies offer vaccination cover only as part of maternity benefits under the hospitalisation policy. Vaccination expenses for the new-born, up to a limit, typically ₹10,000, is covered under the policy.
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of rabies. To be fair, it is a hospitalisation policy and does not cover out-patient procedures but listed day-care procedures. Even those have initial waiting periods before coverage kicks in. <span>Many general insurance companies offer vaccination cover only as part of maternity benefits under the hospitalisation policy. Vaccination expenses for the new-born, up to a limit, typically ₹10,000, is covered under the policy. So, what does one do? If your company offers vaccinations as an add-on cover, it makes sense to opt for it. There could be a waiting time for you to become eligible. If you are buying h




Vaccinations for children has become universal only recently in India and it’s been quite an achievement to get rid of small pox, whooping cough, polio and that ilk of heart-rending childhood afflictions.
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hoid or rabies and fewer still have had even annual flu shots. Exceptions may be when visa applications require it or we become concerned after a conversation with our doctor. Jabs for children <span>Vaccinations for children has become universal only recently in India and it’s been quite an achievement to get rid of small pox, whooping cough, polio and that ilk of heart-rending childhood afflictions. In the same breath, let us see an often-forgotten perk in your hospitalisation policies. Once in block of a certain number of claim free years, your insurance company will pay for your




In the same breath, let us see an often-forgotten perk in your hospitalisation policies. Once in block of a certain number of claim free years, your insurance company will pay for your preventive health check. There is an upper limit, usually pegged to your sum assured, and it will defray your expenses partially at least. Availing this too will not affect your no-claim bonus.

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s for children has become universal only recently in India and it’s been quite an achievement to get rid of small pox, whooping cough, polio and that ilk of heart-rending childhood afflictions. <span>In the same breath, let us see an often-forgotten perk in your hospitalisation policies. Once in block of a certain number of claim free years, your insurance company will pay for your preventive health check. There is an upper limit, usually pegged to your sum assured, and it will defray your expenses partially at least. Availing this too will not affect your no-claim bonus. Of course, a preventive health check benefits both you and your insurer as you can take corrective measures and save yourself major health problems in the future and save them a claim.




While Goods and Services Tax (GST) apply on most products since its introduction in 2017, oil products and natural gas has been kept out of its preview. Excise duty, which accrues to the centre, and VAT that goes to the state government, are levied on their sale.

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to data from the oil ministry's Petroleum Planning and Analysis Cell (PPAC). Petrol consumption too was lower at 17.4 million tonnes, compared to 20.4 million tonnes during April-November 2019. <span>While Goods and Services Tax (GST) apply on most products since its introduction in 2017, oil products and natural gas has been kept out of its preview. Excise duty, which accrues to the centre, and VAT that goes to the state government, are levied on their sale. Industry sources said the jump in excise duty was primarily because of a record increase in taxes on petrol and diesel during March and May last year. The government had raised excise d




“The high GST rate of 18 % on online food delivery service providers and ineligibility of credit of such GST charged to the restaurants have an adverse impact on the growth of the sector. A reduction in GST rates will keep food costs affordable and create more jobs in the sector while furthering the government’s initiatives,” he said.
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rowing at a CAGR of 22 %. However, the tax complications arising due to the GST is likely to pose a roadblock to this growth,” Fooza Foods founder and managing director, Dibyendu Banerjea said. <span>“The high GST rate of 18 % on online food delivery service providers and ineligibility of credit of such GST charged to the restaurants have an adverse impact on the growth of the sector. A reduction in GST rates will keep food costs affordable and create more jobs in the sector while furthering the government’s initiatives,” he said. However, restaurateurs said a high commission of 23-24% by food delivery platforms have turned out to be a pain point even for several months of reopening after lockdown, footfall for d




Customers taking food delivery at their home or office are paying 13% higher price on the same food and beverages compared to customers who are walking down to restaurants as the dine-in tax rate is 5%, they claimed.
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ffice are paying 13% higher price on the same food and beverages compared to customers who are walking down to restaurants as the dine-in tax rate is 5%, they claimed. Share Article PRINT A A A <span>Customers taking food delivery at their home or office are paying 13% higher price on the same food and beverages compared to customers who are walking down to restaurants as the dine-in tax rate is 5%, they claimed. The restaurants and food delivery sector has demanded that goods and services tax (GST) on home delivery of food be reduced to 5% from 18% now to boost the $3 billion segment, industry




He said that his top priority is to assure depositors that their money is safe and that the bank has enough liquidity to pay back the depositors.

Lakshmi Vilas Bank has ₹ 20,000 crore in deposits and ₹ 17,000 crore in advances.

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ls have been capped at ₹ 25,000 per account. Talking to reporters, Mr. Manoharan said that he was confident of the timely merger of the bank with DBS Bank India before the December 16 deadline. <span>He said that his top priority is to assure depositors that their money is safe and that the bank has enough liquidity to pay back the depositors. Lakshmi Vilas Bank has ₹ 20,000 crore in deposits and ₹ 17,000 crore in advances. RBI will issue the final merger draft on November 20. A letter from the Editor Dear reader, We have been keeping you up-to-date with information on the developments in India and the wor




Talking to reporters, Mr. Manoharan said that he was confident of the timely merger of the bank with DBS Bank India before the December 16 deadline.

He said that his top priority is to assure depositors that their money is safe and that the bank has enough liquidity to pay back the depositors.

Lakshmi Vilas Bank has ₹ 20,000 crore in deposits and ₹ 17,000 crore in advances.

RBI will issue the final merger draft on November 20.

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of Lakshmi Vilas Bank after superseding the board of the crippled private sector lender. A moratorium has been imposed on the bank and cash withdrawals have been capped at ₹ 25,000 per account. <span>Talking to reporters, Mr. Manoharan said that he was confident of the timely merger of the bank with DBS Bank India before the December 16 deadline. He said that his top priority is to assure depositors that their money is safe and that the bank has enough liquidity to pay back the depositors. Lakshmi Vilas Bank has ₹ 20,000 crore in deposits and ₹ 17,000 crore in advances. RBI will issue the final merger draft on November 20. A letter from the Editor Dear reader, We have been keeping you up-to-date with information on the developments in India and the world that have a bearing on our health and wellbeing, ou




The Reserve Bank has proposed merging Lakshmi Vilas Bank (LVB) with DBS Bank India Ltd. (DBIL).
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n Thursday said the Reserve Bank of India’s ‘swift’ move to help resolve the woes of troubled Lakshmi Vilas Bank would keep ‘contagion at bay and help maintain stability’ in the banking system. <span>The Reserve Bank has proposed merging Lakshmi Vilas Bank (LVB) with DBS Bank India Ltd. (DBIL). As part of the proposal, DBIL, the wholly owned subsidiary of Singapore-based DBS Bank, will inject ₹2,500 crore into the merged entity to support its financial position. S&P said t




As part of the proposal, DBIL, the wholly owned subsidiary of Singapore-based DBS Bank, will inject ₹2,500 crore into the merged entity to support its financial position.
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kshmi Vilas Bank would keep ‘contagion at bay and help maintain stability’ in the banking system. The Reserve Bank has proposed merging Lakshmi Vilas Bank (LVB) with DBS Bank India Ltd. (DBIL). <span>As part of the proposal, DBIL, the wholly owned subsidiary of Singapore-based DBS Bank, will inject ₹2,500 crore into the merged entity to support its financial position. S&P said the deal was positive for India’s banking sector and would bring much-needed relief to LVB, which has been struggling for many years. The Reserve Bank had placed the privat




In Arogya Sanjeevani, the policyholder can opt for half-yearly, quarterly or monthly payment of premium and also automate the payments using the auto-debit or ECS mode
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match our premium payment to cash inflows. It is especially of great value in times like the present pandemic, when earnings and even jobs are at stake, and one would like to stagger expenses. <span>In Arogya Sanjeevani, the policyholder can opt for half-yearly, quarterly or monthly payment of premium and also automate the payments using the auto-debit or ECS mode. If this proves popular, one can see insurers offering this option on other health policies. Options for instalment premiums in Arogya Sanjeevani operate with some conditions, similar t




The standardised health insurance policy — Arogya Sanjeevani — was designed by the Insurance Regulatory and Development Authority with many interesting features. Every general insurance or health insurance company is mandated to offer it from April 1, 2020.
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es As easy as 1,2,3…or 12 monthly instalments, if you wish. We are talking about the possible future of your health insurance premiums, where you may opt to pay in instalments through the year. <span>The standardised health insurance policy — Arogya Sanjeevani — was designed by the Insurance Regulatory and Development Authority with many interesting features. Every general insurance or health insurance company is mandated to offer it from April 1, 2020. One of them is the long-felt need for instalment payment of premium, as opposed to only annual payments. This enables us as an insured to match our premium payment to cash inflows. It i




If Arogya Sanjeevani proves popular, insurers may well begin offering instalment options on other health policies
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2020 00:16 IST Updated: November 23, 2020 10:35 IST If Arogya Sanjeevani proves popular, insurers may well begin offering instalment options on other health policies Share Article 0 PRINT A A A <span>If Arogya Sanjeevani proves popular, insurers may well begin offering instalment options on other health policies As easy as 1,2,3…or 12 monthly instalments, if you wish. We are talking about the possible future of your health insurance premiums, where you may opt to pay in instalments through the




If Arogya Sanjeevani proves popular, insurers may well begin offering instalment options on other health policies

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2020 00:16 IST Updated: November 23, 2020 10:35 IST If Arogya Sanjeevani proves popular, insurers may well begin offering instalment options on other health policies Share Article 0 PRINT A A A <span>If Arogya Sanjeevani proves popular, insurers may well begin offering instalment options on other health policies As easy as 1,2,3…or 12 monthly instalments, if you wish. We are talking about the possible future of your health insurance premiums, where you may opt to pay in instalments through the




As easy as 1,2,3…or 12 monthly instalments, if you wish. We are talking about the possible future of your health insurance premiums, where you may opt to pay in instalments through the year.
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ffering instalment options on other health policies Share Article 0 PRINT A A A If Arogya Sanjeevani proves popular, insurers may well begin offering instalment options on other health policies <span>As easy as 1,2,3…or 12 monthly instalments, if you wish. We are talking about the possible future of your health insurance premiums, where you may opt to pay in instalments through the year. The standardised health insurance policy — Arogya Sanjeevani — was designed by the Insurance Regulatory and Development Authority with many interesting features. Every general insurance




Grace period

There is a grace period of 15 days for paying the instalment premium. The caveat, however, is that during the period between due date of premium and actual receipt of premium by the insurance company, you will be uncovered.

But the good thing is that, even if you have used your grace period to the fullest, your benefits of waiting period for pre-existing conditions, and specific waiting period for treatment of specified conditions are fully protected. Neither will there be any interest charges if the instalment premium is not paid on the due date.

However, if you fail to pay within the grace period, your policy will lapse and, along with it, any accrued benefits such as waiting period or cumulative bonuses. Your choice will be only to start another hospitalisation policy, afresh.

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surers offering this option on other health policies. Options for instalment premiums in Arogya Sanjeevani operate with some conditions, similar to annual premium payments we are familiar with. <span>Grace period There is a grace period of 15 days for paying the instalment premium. The caveat, however, is that during the period between due date of premium and actual receipt of premium by the insurance company, you will be uncovered. But the good thing is that, even if you have used your grace period to the fullest, your benefits of waiting period for pre-existing conditions, and specific waiting period for treatment of specified conditions are fully protected. Neither will there be any interest charges if the instalment premium is not paid on the due date. However, if you fail to pay within the grace period, your policy will lapse and, along with it, any accrued benefits such as waiting period or cumulative bonuses. Your choice will be only to start another hospitalisation policy, afresh. Most of us are used to making monthly payments of all kinds including rent, society dues, EMIs on home loans, school fees, phone, broadband, electricity and a host of other utility bill




Grace period

There is a grace period of 15 days for paying the instalment premium. The caveat, however, is that during the period between due date of premium and actual receipt of premium by the insurance company, you will be uncovered.

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surers offering this option on other health policies. Options for instalment premiums in Arogya Sanjeevani operate with some conditions, similar to annual premium payments we are familiar with. <span>Grace period There is a grace period of 15 days for paying the instalment premium. The caveat, however, is that during the period between due date of premium and actual receipt of premium by the insurance company, you will be uncovered. But the good thing is that, even if you have used your grace period to the fullest, your benefits of waiting period for pre-existing conditions, and specific waiting period for treatmen