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2+ hour, 48+ min ago (679+ words) This blog explains the key differences between domestic and international travel insurance to help you make an informed choice before your journey. What is Domestic Travel Insurance? Domestic travel insurance provides coverage for trips taken within India. It is designed to safeguard you from unforeseen circumstances that may disrupt your travel plans or result in financial loss. " Medical emergencies: Covers accidental injuries or sudden illnesses during travel within India. " Trip cancellations or delays: Offers financial reimbursement for pre-booked tickets or accommodation in case of cancellation due to valid or covered reasons such as illness or natural calamities. " Loss of baggage: Provides compensation if your checked-in baggage is lost or delayed by the airline. " Personal accident cover: Offers compensation in the event of accidental death or permanent disability during the journey. What is International Travel Insurance? International travel insurance offers protection…...

3+ hour, 49+ min ago (549+ words) One of the most urgent deadlines is for the Unified Pension Scheme (UPS), a new framework introduced for Central Government employees. The scheme allows employees to shift from the National Pension System to a more assured-pension model." However, those who want to make this shift must submit their option forms by November 30. The government has already extended the deadline once, and officials believe that the date will not be pushed further. This means that employees have very little time left to complete the required formalities. From December 1, the option to switch to UPS is unlikely to reopen. Another major compliance involves lakhs of pensioners who need to submit their annual life certificate. This document is essential for the continued credit of their monthly pension. The last date for submission is also November 30." Missing the deadline can lead to a temporary…...

4+ hour, 5+ min ago (1347+ words) This article by Phil Galewitz first appeared in KFF Health News, republished with permission. Larry Humphreys, a retired Federal Emergency Management Agency worker in Moultrie, Georgia, says he and his wife won't be traveling much next year after their monthly health insurance premium payment increases more than 40%, to $938. Humphreys, 68, feels betrayed by the Federal Employees Health Benefits Program. "As federal employees, we sacrificed good salaries in the private sector because we thought the benefits from government would be better now, in retirement," he said. As the nation's largest employer-sponsored health insurance program, the FEHB Program covers more than 8.2 million federal government employees and retirees, and it was once celebrated as a national model for controlling costs while giving enrollees many health plan options. But next year, average enrollee premium payments in the system are set to jump more than 12%, on…...

4+ hour, 14+ min ago (352+ words) New Delhi, Nov 27 (PTI) Rating agency Icra expects individual new business premium (NBP) for the life insurance sector to grow to Rs 1.8 lakh crore in 2025-26 and further to Rs 2 lakh crore in the next fiscal from Rs 1.66 lakh crore in the year-ending March 2025. In a release on Thursday, the agency also highlighted that the value of new business (VNB) margins may face short-term pressure due to the loss of input tax credit, following the GST exemption, before improving over the medium term. "The GST exemption on individual life insurance policies, which enhances customer affordability, is expected to boost individual NBP growth in the medium term. After a subdued H1, this NBP growth is projected to recover in H2 FY2026, with an overall increase of about 9 per cent anticipated for FY2026," said Neha Parikh, Vice-President and Sector Head " Financial Sector Ratings, Icra. Private insurers are…...

4+ hour, 15+ min ago (303+ words) As families gather to celebrate Thanksgiving, many worry about the impossibly high cost of health insurance. Let's play a game of What If? (It will be fun, I promise.) What if healthcare dollars currently going to insurance companies were paid instead to the consumers themselves? Would good things result, or bad? This "what if" exercise was prompted by President Trump's offhand suggestion to give ACA subsidies "directly to the people...[instead of]...BIG, BAD insurance companies"? (Republicans are currently considering this idea but only for the ACA.) Specifically, what if all the money called employer-sponsored health benefits that presently goes to insurance... As families gather to celebrate Thanksgiving, many worry about the impossibly high cost of health insurance. Let's play a game of What If? (It will be fun, I promise.) What if healthcare dollars currently going to insurance companies…...

5+ hour, 45+ min ago (595+ words) Home " Medical Aid, Insurance and Gap Cover: Smart Cover Choices Before 2026" Medical aid, insurance and gap cover protect South Africans from rising healthcare costs and help plan your family's cover for 2026. Choosing the right healthcare cover can save South Africans thousands of rands while avoiding unexpected hospital bills. Understanding medical aid, medical insurance and gap cover is essential to make sure your family has access to quality care without financial stress, especially as healthcare costs continue to rise ahead of 2026." Medical aid is ideal for families or individuals who expect regular medical attention, including GP visits, specialist consultations, and ongoing treatment for chronic conditions. It also ensures access to private hospitals and services, giving peace of mind during unexpected health emergencies." Medical insurance is a flexible option for specific events, such as accidents or hospitalisation. Premiums are usually lower than…...

6+ hour, 13+ min ago (271+ words) Pensioners must submit their Jeevan Pramaan Patra, a digital life certificate, by November 30, 2025. This biometric-enabled service allows pensioners to avoid physical visits to pension disbursing agencies. The process involves using a smartphone and the Jeevan Pramaan Face App. Checking the status of acceptance by the pension disbursing agency is crucial. Jeevan Pramaan Patra is a biometric-enabled digital service for pensioners Pensioners of the central government and state governments should submit a life certificate every year latest by November to continue receiving pension without any delay With the deadline of November 30, 2025, to submit the life certificate approaching, many pensioners want to know if their pension disbursing agency (PDA) has accepted their digital life certificate If PDA has rejected it, pensioners don't have many days to resubmit their life certificate What is Jeevan Pramaan Patra?Jeevan Pramaan Patra, or Digital Life Certificate…...

8+ hour, 27+ min ago (815+ words) For generations, Indian weddings have been elaborate affairs'grand, emotional, and painstakingly planned. Yet beneath the glitter lies a growing anxiety: what happens if something goes wrong? From sudden vendor cancellations to unexpected storms washing out outdoor ceremonies, families have begun to realise that the big fat Indian wedding carries equally big financial risks. And this newfound awareness is pushing wedding insurance into the mainstream. The average Indian wedding today costs nearly Rs 28.5 lakh, a figure that often overshadows the annual income of middle-class families, says Rahul Mathur, CEO of Roinet Insurance Broker Pvt Ltd. With more than one crore weddings taking place every year, the scale and complexity make these events incredibly vulnerable. "Most families don't recognise the financial exposure involved," says Mathur. "The moment you put together a multi-day celebration with expensive decor, jewellery, and hundreds of guests, even…...

11+ hour, 42+ min ago (744+ words) Life Certificate Deadline " Submitting a life certificate is not just a formality but a necessary process. If a pensioner fails to submit a life certificate by November 30th, their pension will be stopped. You can also submit this document online from home. New Delhi. Submitting a life certificate every year is mandatory for those [] The post Life Certificate Deadline: If you don't submit this document within 4 days, your pension will be stopped. first appeared on informalnewz. Life Certificate Deadline " Submitting a life certificate is not just a formality but a necessary process. If a pensioner fails to submit a life certificate by November 30th, their pension will be stopped. You can also submit this document online from home. New Delhi. Submitting a life certificate every year is mandatory for those receiving government pensions. The purpose of obtaining a life certificate from pensioners…...

11+ hour, 43+ min ago (394+ words) HOUSTON " The clock is ticking for the 22 million Americans currently enrolled in the Affordable Care Act, as lawmakers remain divided over extending ACA tax subsidies. A vote is expected in the senate next month to determine if enrollees will continue to see tax credits that lower monthly premiums. If those go away, that monthly expense skyrockets and could mean people have to drop ACA coverage completely. We spoke with a local direct care provider about the option of joining a health share program, whether it's because you need an alternative to ACA or you just find big box plans too costly. Health share members agree to share medical expenses and contribute to a pool that goes to cover medical bills. Plans vary widely depending on medical needs. Dr. Arti Thangudu, a Houston-based endocrinologist who hosts the podcast "Endocrine matters," says…...