Happy New Year 2019

வாழ்க வளமுடன் இனிய ஆங்கில புத்தாண்டு நல்வாழ்த்துக்கள் நீங்களும் உங்கள் அன்புக் குடும்பமும், அருட்பேராற்றல் கருணையினால், உடல்நலம், நீளாயுள், நிறைசெல்வம், உயர்புகழ், மெய்ஞ்ஞானம் பெற்று ஓங்கி வாழ்க வாழ்க வளமுடன் வாழ்க வளமுடன் வாழ்க வளமுடன்

Thanks for Ur Support in 2018

வெற்றிலையின் மருத்துவ குணங்கள் ! தலைவலி: வெற்றிலையைக் கசக்கிக் சாறு எடுத்து அந்த சாற்றில் சிறிதளவு கற்பூரத்தைச் சேர்த்துக் குழப்பி வலியுள்ள இடத்தில் தடவினால் தலை வலி உடனே குணமாகும். தேள் விஷம்: இரண்டு வெற்றிலையை எடுத்து அதில் ஒன்பது மிளகை மடித்து வாயில் போட்டு நன்றாக மென்று விழுங்கி தேங்காய் துண்டுகள் சிலவற்றினையும் மென்று தின்றால் தேள் விஷம் உடனே முறியும். சர்க்கரை வியாதி: சர்க்கரை வியாதி உள்ளவர்களுக்கு வெற்றிலையின் மருத்துவ குணங்கள் : இரண்டு வெற்றிலையுடன் வேப்பிலை ஒரு கைப் பிடியளவும் அருகம்புல் ஒரு கைப்பிடியளவும் ஒரு சட்டியில் போட்டு 500 மிலி தண்ணீர் விட்டு நன்றாக கொதிக்க விடவும். தண்ணீரின் அளவு 150 மிலி ஆக குறையும் வரை கொதிக்க விட்டு, பின்பு வடிகட்டி ஆற வைத்து வேளைக்கு 50 மிலி வீதம் மூன்று வேளை உணவுக்கு முன்பு சாப்பிடவும். அல்சர்: அல்சர் உள்ளவர்கள் இரண்டு வெற்றிலையுடன் அத்தி இலை 1 கைப்பிடி வேப்பிலை 5 ஆகியவற்றை மேலே உள்ள முறைப்படி கசாயம் தயாரித்து மூன்று வேளை அருந்தி வரவும். முற்றின வெற்றிலையைச் சாறு பிழிந்து அதில் இரண்டு அவுன்ஸ் சாற்றுடன் 3 மிளகு அதே அளவு சுக்கு ஆகியவற்றை ஒரு தேக்கரண்டி தேனுடன் கொடுத்தால் இரைப்பு மூச்சுத் திணறல் குணமாகும். தாம்பூலம் தரித்தல்: நமது உடலில் சுரக்கும் 24 விதமான “அமினோ அமிலங்கள்” வெற்றிலையில் உள்ளன. செரிமானத்துக்கும் பெரிதும் உறுதுணையாகும் இந்த “அமினோ அமிலங்களை” வெற்றிலை மூலம் நாம் அடையும்போது ஜீரணம் எளிதாகின்றது. அதனால்தான் நம்முன்னோர்கள் உணவுக்குப் பின் “தாம்பூலம்” தரிக்கும் வழக்கத்தை ஏற்படுத்தியுள்ளனர். வெற்றிலைப் பாக்குடன் கூடிய தாம்பூலம் “மங்கலப் பொருள்” என்பது பலர் அறிந்த உண்மை. ஆனால் நம் முன்னோர் அதில் மருத்துவப் பயனையும் புகுத்தியுள்ளனர். மிகச் சிறந்த “நோய்த்தடுப்பு ஆற்றல்” தாம்பூலத்தில் உள்ளது.வெற்றிலை, பாக்கு, சுண்ணாம்பு இணைந்த தாம்பூலம், மெல்லும் போது உமிழ்நீர் சுரப்பினை தூண்டுவதுடன் ஒரு வித உற்சாக உணர்வினை தருகிறது. பெரும்பாலான நாடுகளில் வெற்றிலைக்கு பால் உணர்வை மற்றும் நரம்பு வலுவேற்றும் சக்தி இருப்பதாக கருதப்படுகிறது. அதனால்தான் புதுமண தம்பதியர்களுக்கு தாம்பூலம் தரிப்பது என்பது ஒரு சடங்காக நடைபெறுகிறது. For Health Insurance/Mediclaim, General Insurance, LIC, Travel Insurance, TWo Wheeler, four Wheeler insurance related Services, U can always Call us at 9840177017 Devarajan www.starhealthdevarajan.com https://www.facebook.com/mediclaimagent/

Yoga Mudra

தொப்பையை கரைத்து இளமையை மீட்கும் யோகமுத்திரா! ஆசனங்கள், தியானம், உடற்பயிற்சி என்று எதுவாக இருந்தாலும் வயிற்றில் கழிவுகள் இல்லாமல் சுத்தமாக இருப்பது அவசியம். அதற்கு யோக முத்திரா உதவுகிறது. யோக முத்திராவை தொடர்ந்து செய்து வருபவர்களுக்கு முதுகுதண்டில் உள்ள இறுக்கம் நீங்குகிறது. இளமை ஏற்படுகின்றது. முதுகு தண்டுவடம் வழியாக செல்லும் உடலின் முக்கிய நரம்புகள் எல்லாம் பலம் பெறுகின்றன. நல்ல ஆரோக்கியத்தை எட்டுகின்றன. நாள் முழுவதும் சுறுசுறுப்பு தொடர்கிறது. முகத்தில் பொலிவும், தேஜசும் ஏற்படுகிறது. முக்கியமாக இரண்டு குதிக்கால்களும், பெருங்குடலும் இந்த ஆசனத்தின் போது நன்றாக அழுந்துவதால் நீடித்த மலச்சிக்கலும் நீங்குகிறது. குடலை கழுவினால் மட்டுமே உடலை வளர்க்க முடியும் என்பது தமிழ்வாக்கு. அதற்கேற்ப மலச்சிக்கலை நீங்கி மனச்சிக்கலையும் நீக்குவதால் யோக முத்திரா ஆசனங்களில் முத்திரை பதிக்கிறது. இந்த ஆசனம் எளிமையானது. yoga-mudraசெய்முறை: பத்மாசனத்தில் அமரவும். இரண்டு உள்ளங்கைகளையும், இரண்டு குதிங்கால்களின் மேல் வைத்து கைவிரல்களை மூடிக் கொள்ளவும். நிமிர்ந்து நேரே உட்காரவும். நுரைஈரல் நிரம்பும் அளவு நன்றாக மூச்சை உள் இழுக்கவும். இப்போது மூச்சை விட்டுக் கொண்டே முன்பக்கம் தரையை மூக்கு தொடும் வரை குனியவும். இந்த நிலையில் 10 முதல் 15 நொடிகள் இருக்கவும். இப்படி இருக்கும் போது மூச்சை சௌகரியப்படி விடவும் வாங்கவும் செய்யவும். மூச்சை அடக்க வேண்டிய அவசியம் இல்லை. பிறகு மூச்சை இழுத்தவாறே நிமிர்ந்து சாதாரண நிலைக்கு வரவும். இந்த மாதிரி அவரவர்க்கு வேண்டியபடி மூன்று முதல் 7 தடவைகள் வரை செய்யலாம். இந்த ஆசனம் பார்ப்பதற்கு சுலபமாக தோன்றினாலும் செய்வதற்கு அவ்வளவு எளிதாக வந்து விடாது. சிலருக்கு என்ன செய்தாலும் மிகவும் அடிப்படையான ஆசனமான பத்மாசனம் போடவே வராது. அவர்கள் பத்மாசனம் நன்றாக செய்ய வரும் வரை, சாதாரணமாக அமரும் முறையில் சுகாசனத்தில் உட்கார்ந்து, இரண்டு முழங்கால்களுக்கு மேல் இரண்டு உள்ளங்கைகளை வைத்து அழுத்திக் கொண்டு, முன்னுக்கு குனிந்து மூக்கு தரையை தொட முயற்சிக்க வேண்டும். இரண்டு கைகளையும் பின்னுக்கு கட்டிக் கொண்டு தொடவும் முயற்சி செய்யலாம். yoga-mudra-o-simboloஅல்லது சுகாசனத்தில் இரண்டு பெருவிரல்களை கைகளால் பிடித்துக் கொண்டு முன்னுக்கு குனியவும் செய்யலாம். இவைகள் எல்லாம் பத்மாசனம் வராதவர்களுக்கு தான். ஆனால் இடையிடையில் பத்மாசனமும் போட்டு பழக வேண்டும். பிறகு முன் சொன்னது போல் பத்மாசனத்திலிருந்தே குனிய முயற்சி செய்ய வேண்டும். கைகளை குதிகாலின் மீது வைத்துக் கொண்டும் குனியலாம். கைகளை குதிகாலின் மேல் வைத்துக் கொண்டு குனிவது கடினமாக இருந்தால், பின்னுக்கு கைகளை கட்டிக் கொண்டு குனியலாம். சில நாட்களுக்கு பின் கைகளை குதிக்கால்களின் மேல் வைத்துக் குனியலாம். பத்மாசனம் போட்ட படி குனிவதால், கால்கள் ஒன்றை ஒன்று அழுத்தி முதலில் வலிக்கும். நாளடைவில் பழக்கமானால் வலி இருக்காது. சிலருக்கு முன்னுக்கு குனிந்து மூக்கைத் தரையைத் தொட முயற்சி செய்யும் போது பிருஷ்ட பாகம் தூக்கிக் கொள்ளும். அப்படி நேராமல் அழுத்தமாய் தரையில் உட்கார்ந்து பழக வேண்டும். சிலருக்கு தொடை பகுதி அதிக சதைகளுடன் மிகவும் பெரிதாக இருக்கும் போது அவர்கள் முன்குனிந்து தரையைத் தொட கடினமாக இருக்கும். சிலருக்கு வயிறு கொழுப்பு சேர்ந்து தொப்பை விழுந்து இருப்பதாலும் முன்குனிய முடியாது. அவர்கள் எல்லாரும் மற்ற ஆசனங்களுடன் யோக முத்திரவையும் முயற்சி செய்து வந்தால், நாளடைவில் வயிறு, இடுப்பு மற்றும் தொடை பகுதிகளில் உள்ள சதை, நரம்புகள் இளக்கம் பெற்று யோக முத்திரா செய்வதற்கு எளிதாகும். இந்த ஆசனம் செய்ய செய்ய தொப்பை பெருமளவு கரைந்து விடும். வயிற்றை சுற்றி உள்ள கொழுப்பு தான் சர்க்கரை நோய்க்கான அடிப்படை காரணம் என்று தற்போது சொல்கிறார்கள். இந்த வயிற்றை சுற்றிய கொழுப்பை யோக முத்திராவில் எளிதில் கரைத்து, தொப்பையை போக்கி மிகவும் இளமையுடன் காட்சியளிக்க முடியும். தொப்பை கரைவதால் மிகவும் சுறுசுறுப்பு வந்து சேரும். சிலர் ஒல்லியாய் இருப்பார்கள். இவர்களுக்கு தொப்பையும் இருக்காது. ஆனால் இவர்களுக்கும் யோக முத்திரா செய்ய சுலபமாக வராது. காரணம், இவர்களது முதுகுஎலும்பு கட்டை பாய்ந்து இருக்கும். அதாவது, குனிந்து நிமிரும் உடற்பயிற்சிகளே இல்லாத காரணத்தால் முதுகுஎலும்பு வளைய முடியாமல் கட்டை போன்று திடமாக காணப்படும். இவர்களும் தொடர்ந்து யோக முத்திராவை பயிற்சி செய்யும் போது நன்றாக வளைந்து தரையை தொட முடியும். யோக முத்திராவால் முதலில் மூக்கை வைத்து தரையை தொடுவதும்,பின்னர் வாயால் தரையை தொடுவதும் என்று நன்றாக பழக்கமான பிறகு அதே நிலையில் 20 எண்ணும் வரை இருக்க வேண்டும். யோக முத்திரா முழுமையான நிலையில் சாதாரணமாக மூச்சை இழுக்கவும், விடவும் செய்யலாம். குறிப்பு; யோக முத்திராவை வழக்கமாய் செய்யும் பெண்கள் கர்ப்பனமானால் இரண்டு மாதங்கள் வரை தான் செய்ய முடியும். அதன்பின் கைகளை வயிற்றின் குறுக்கே வைக்காமல் 1 மாத கால அளவிற்கு செய்யலாம். இந்த காலத்திற்கு மேல் கர்ப்பமான பெண்கள் இந்த ஆசனத்தை செய்யக்கூடாது. மிகவும் முக்கியமாக கர்ப்ப காலத்தில் இந்த ஆசனத்தை பழகவே கூடாது.பத்மாசனத்தில் மட்டும் உட்காரலாம். https://www.facebook.com/mediclaimagent/ For Insurance related services, Call 98401 77017 Devarajan #starhealth #insurance #mediclaim #healthinsurance

Cornea

Cornea. விழியின் வெண்படலம் தான் Cornea! ரத்தத்தின் சப்தம் கேட்காத தேசம் இது! ரத்தம் மறுத்து, கண்ணை வந்து தழுவும் காற்றை, நேரடியாக எடுத்து சுவாசிக்கும் உடலின் அற்புத பாகம்! விழியில் தூசு விழுந்தால் கசக்காதே! உதடு குவித்து ஊது! ஊத விடு! Devarajan. Ph 9840177017 www.starhealthdevarajan.com https://twitter.com/licdevarajan https://groups.google.com/forum/… https://business.google.com/posts/l/00889445154232854974 https://www.blogger.com/u/1/blogger.g… https://plus.google.com/…/…/+StarHealthInsuranceAgentChennai

File Ur IT retrun in time

DIDN'T FILE YOUR INCOME TAX RETURN? KNOW THESE 3 PENALTIES THAT CAN HOUND TAX DEFAULTERS Filing Income Tax Return is mandatory for a person who’s earned money (read income) in a given Financial Year. It becomes especially crucial if the income earned by you crossed Rs.2,50,000 for FY 2017-18. There are a set of penalties under the IT Act for tax evasion ranging from a fine or even imprisonment that can hound Income Tax defaulters: 1. If an individual fails to pay tax whether wholly, partly or interest under Self- Assessment, then under section 221(1) of the Income Tax Act, an assessing officer can impose a penalty up to the arrear amount of the taxes not paid by an assessee. A demand notice is sent to the tax defaulter, who has to pay the tax due within 30 days. 2. If an individual is found concealing income in order to evade taxes, then as per section 271(C), the tax penalty can range from 100% to 300% of the tax on actual income. 3. The IT department can raid the premises of an individual which it considers a tax defaulter due to concealment of earnings. Under section 271 AAB, a penalty ranging from 10% to 90% could be applicable. Read more at http://starhealthdevarajan.com/news/700 www.starhealthdevarajan.com For Insurance related services, U can always call us at 9840177017 Devarajan

OsteoPorasis

ஆஸ்டியோபொரோசிஸ் பிரச்னையால் ஒவ்வொரு ஆண்டும் 20 லட்சம் பேர் பாதிக்கப்படுகின்றனர். நமது எலும்பு பலமாக இருந்தால்தான் நாம் அனைத்து வேலைகளையும் செய்ய முடியும். பனிக்கட்டி உருகுவதுபோல எலும்பு அடர்த்தி குறைந்துவிட்டால் எலும்புகள் பலவீனமாகிவிடும். இதன் காரணமாக இடுப்பு, மூட்டு, கை எலும்புகள் முறிவு அடையக்கூடும். ஆஸ்டியோபொரோசிஸ் எந்த வயதினருக்கும் வரக்கூடும். ஆண்கள், பெண்கள் இருவருக்குமே இந்தப் பிரச்னை வரலாம். மெனோபாஸ் நிலையில் இருக்கும் பெண்களுக்கு வருவதற்கு அதிக வாய்ப்பு இருக்கிறது. மற்றபடி, பெண்களுக்கு 30 வயதில்கூட இந்தப் பிரச்னை வருகிறது. ஆஸ்டியோபொரோசிஸ் பிரச்னை இருப்பவர்களுக்கு எப்போது வேண்டுமாயினும் எலும்பு முறிவு ஏற்படலாம். இதனால் மரணம்கூட நேரலாம். எனவே, அவ்வப்போது பரிசோதனை செய்து, வரும் முன் காப்பது சிறந்தது. ஆஸ்டியோபொரோசிஸ் பிரச்னையால் எலும்பு முறிவு ஏற்பட்டால் சிகிச்சை உண்டு. இந்தியாவைப் பொறுத்தவரை, கால்சியம் குறைபாடு என்பது குறைவுதான். ஏனெனில், பால் முதலான பல பொருட்களில் கால்சியம் இருக்கிறது. உடலில் கால்சியம் சரியாகப் பயன்படுத்தப்படாமைதான் ஆஸ்டியோபொரோசிஸ் பிரச்னைக்குக் காரணம். கால்சியம் நிறைந்த உணவுகளைச் சாப்பிடுவது மட்டும் இன்றி, சூரிய ஒளியில் இருந்து கிடைக்கும் வைட்டமின் டி சத்தையும் பெற வேண்டும், வைட்டமின் டி சத்துதான் கால்சியத்தை உடலுக்குக் கிரகிக்கும். மருத்துவர் அனுமதி இன்றி கால்சியம் மாத்திரைகளை வாங்கிப் பயன்படுத்தக் கூடாது. மருத்துவக் காப்பீடுத் திட்டம் எடுத்து வைத்துக் கொள்வது நல்லது. call 98401 77017 Devarajan for more details #StarHealth #Medicalimagent #மருத்துவக்காப்பீடு

Mediclaim Services

We are offering Health Insurance, Mediclaim, General Insurance, Life Insurance solutions in Chennai. Wherever U are U can take Helth Insurance Through Us. We will help U to take Policy through Online from the comfort of Ur home. Friendly service and easy way to apply to your Insurance. for More Info & Services: Contact : S. Devarajan Mobile: 98401 77017 www.starhealthdevarajan.com https://www.facebook.com/mediclaimagent/

Changes in INcome tax rules

10 CHANGES IN INCOME TAX RULES THIS YEAR From long-term capital gains tax on equity investments to higher interest income exemption for senior citizens to introduction of dividend distribution tax on dividend received from equity mutual funds, this year saw many changes in income tax rules. Many of these were introduced as part of Budget 2018-19. This year also saw the introduction of standard deduction for salaried employees. Senior citizens were also allowed higher deduction on health insurance premiums. Here are some of the important changes in income tax rules: 1) Higher interest income exemption for senior citizens For senior citizens, the government increased interest income exemption limit on bank and post office deposits to Rs 50,000, from Rs 10,000 earlier. In addition, for senior citizens, tax deduction at source (TDS) will not be triggered if interest income is up to Rs 50,000. 2) Dividend distribution tax on dividends from equity mutual funds Dividends distributed by equity mutual funds, which were earlier tax-free, attracted tax at the rate of 10%. Remember that dividends from equity mutual funds are tax-free in the hands of investors. But dividends from equity mutual funds are paid after deducting a dividend distribution tax (DDT) of 11.648% (including cess), which reduces the in-hand return for investors. 3) Long-term capital gains tax on equities From 1 April 2018, a new long-term capital gains (LTCG) tax regime on equity instruments - listed shares or equity-oriented mutual funds - came into effect. Earlier such gains on equity were exempt from tax. Now investors have to pay 10% tax on gains exceeding Rs 1 lakh a year. Equity holding beyond a year is considered long term. However, to soften the blow, the government introduced a grandfathering provision, which means that if listed shares or equity funds were acquired before February 1, there would be no levy of long-term capital gains tax. 4) Rs. 40,000 standard deduction Standard deduction was introduced in this year’s budget in lieu of the earlier exemption in respect of transport allowance and reimbursement of miscellaneous medical expenses. Unlike other deductions and exemptions, to claim standard deduction, one need not provide any documents and proof. A salaried individual or pensioner can claim standard deduction up to Rs 40,000 from his/her income. 5) Higher cess The government raised the cess on income tax to 4% from 3% for individual taxpayers on the amount of income tax payable. 6) Tax exemption on NPS for the self-employed Employees contributing to the National Pension System (NPS) were allowed to withdraw up to 40% of the total corpus without any tax at the time of maturity or closure of the account. The same benefit has now been extended to self-employed subscribers. 7) Lock-in period of 54EC bonds increased Long-term profits from real estate sales are tax-free if invested in specified bonds under Section 54EC. Till last year, you had to stay invested in the 54EC bonds for at least three years to enjoy the tax break, but from this year, your money will be locked in for five years. 8) Higher deduction on health insurance premiums Senior citizens now can avail deduction of up to Rs 50,000 for health insurance premium under Section 80D. Earlier the limit was Rs 30,000. Also, the deduction available for payment towards medical treatment of specified disease has been hiked to Rs 1 lakh for senior citizens. 9) Govt brings NPS on a par with PF, makes it tax-free The Union Cabinet recently approved many changes in the NPS to make it more attractive for investors. NPS will be made fully tax-free on withdrawal. Subscribers will get full tax exemption on the 60% of the corpus that an investor is allowed to withdraw on maturity. This will help bring the NPS on a par with other tax-saving instruments like the PPF where withdrawals are fully tax-free. This is likely to be effective from April 1 next year. (Read: NPS rule changes explained in 10 points) 10) More tax benefits on single premium health insurance policies In cases where premium for health insurance for multiple years has been paid in one year, the deduction shall be allowed on proportionate basis for the number for years for which the benefit of health insurance is provided. Read at http://starhealthdevarajan.com/news/696 For Insurance related services U can always call 98401 77017 Devarajan

lOVE uR pARENTS

நமது உடல் ஆரோக்கியமாக இருந்தால் தான் மனம் அமைதியாக இருக்க முடியும். உடலை வளப்படுத்துவதன் மூலம் மனத்தையும் நலப்படுத்தலாம். உடலை பேனாமல் மணிக்கணக்காக கண்களை மூடி தியானம் செய்வதால் ஒரு பயனும் இல்லை. யோகா, உடற்பயிற்ச்சி என்று ஏதேனும் ஒன்றை ஏன் இரண்டையுமே செய்யலாம். இரண்டையும் செய்தால் இரண்டின் பலனும் கிடைக்காது என்று சிலர் பூச்சாண்டி காட்டுவார்கள், அதை கேட்டு ஏமாற வேண்டாம். சைலேந்திர பாபு அவர்கள் இரண்டையும் செய்பவர் தான். யோகா, உடற்பயிற்ச்சி இரண்டையுமே செய்தால் இரண்டின் பலனுமே கிடைக்காது. உடலுக்கு அது தீங்கு என்பதற்கு எந்த வித அறிவியல் ஆதாரங்களும் இல்லை. வசதி உள்ளவர்கள் Treadmill வாங்கி அதில் தினமும் நடைப்பயிற்சி செய்யலாம். உங்கள் வீட்டில் இருக்கும் காஸ்ட்லி டீவீ, ட்ரெட் மில். இரண்டில் எதால் பலன், பயன் என்று யோசித்து பாருங்கள். உடற்பயிற்ச்சி செய்ய எனக்கு எங்க ஸார் நேரம் என்று பலர் சொல்கிறார்கள். அது அவர்கள் சோம்பேறி தனத்தின் வெளிப்பாடு. அம்பானி போன்ற பெரும் செல்வந்தர்களே உடற்பயிற்சிக்கு என்று தினமும் சில மணி நேரங்கள் ஒதுக்குகிறார்கள். நம்மால் முடியாதா. தினமும் நாலு, ஐந்து மணிக்கு எழுந்து கொள்ள உங்களுக்கு சோம்பேறி தனம். அதை ஒப்பு கொள்ளுங்கள். இன்று எங்கு பார்த்தாலும் Bp, சுகர் என நோயாளிகளின் தேசமாக இன்று நமது நாடு மாறியதற்கு காரணம் நாம் தான். முறையற்ற உணவுமுறை, முறையற்ற வாழ்க்கைமுறை, நாம் உண்ணும் உணவிற்கு ஏற்ப்ப உடலுக்கு தகுந்த வேலை கொடுக்காமை போன்றவைகள் தான். கண் கெட்ட பிறகு சூரிய நம்ஸ்காரம் என்பதை போல் உடல் கெட்ட பிறகே பலர் உடற்பயிற்சி செய்கிறார்கள். எதையும் வரும் முன் காப்பது தானே சிறந்தது. ஒன்றும் வேண்டாம். மாலை நேரங்களில் 1, 2 கிலோ மீட்டர் தூரத்திற்கு நீங்கள் வாகனங்களை உபயோகப்படுத்தாமல் காலை உபயோகப்படுத்துங்கள். காலை கால் டாக்சி ஆக்குங்கள். அவ்வாறு செய்தால் வலம்புரியார் கூறியதை போல். இந்த நாள் மட்டும் அல்ல. உங்களுக்கு எல்லா நாளுமே இனிய நாள் தான் LOVE UR PARENTS www.starhealthdevarajan.com https://twitter.com/licdevarajan https://groups.google.com/forum/… https://business.google.com/posts/l/00889445154232854974 https://www.blogger.com/u/1/blogger.g… https://plus.google.com/…/…/+StarHealthInsuranceAgentChennai

Online policies

We are offering Health Insurance, Mediclaim, General Insurance, Life Insurance solutions in Chennai. Wherever U are U can take Helth Insurance Through Us. We will help U to take Policy through Online from the comfort of Ur home. Friendly service and easy way to apply to your Insurance. for More Info & Services: Contact : S. Devarajan Mobile: 98401 77017 www.starhealthdevarajan.com https://www.facebook.com/mediclaimagent/

Star Health Insurance Policies

ஆஸ்துமா எனப்படும் இரைப்பு நோய், பொதுவாக குளிர், மழைக்காலம் அல்லது தூசி ஒவ்வாமை போன்ற காரணங்களால் ஏற்படுகிறது. நுரையீரலில் சளி அடைத்துக்கொண்டு, காற்று உள்ளே புகமுடியாத நிலை ஏற்படுகிறது. எனவே இருமல், இரைப்பு, இருமினாலும் சளி வெளிவராமை, மூச்சுத்திணறல், காற்றுக்காக ஏங்குதல், மூச்சடைப்பு ஏற்படுகிறது. இதற்கான நிரந்தரத் தீர்வை மருந்துகள் மூலம் அடைய முடிவது இல்லை. சுவாசகோச முத்திரை இதற்குத் தீர்வு அளிக்கிறது. சுவாசகோச முத்திரையானது, நீரைக் குறைத்து, வெப்பம் மற்றும் ஆகாயத்தைச் சமன்படுத்தி, காற்றை அதிக அளவில் உடலுக்குள் செல்ல அனுமதிக்கிறது. பெருவிரலில் உள்ள அடி ரேகை, நடு ரேகை மற்றும் நுனியைக் கவனிக்க வேண்டும். பின்னர் சுண்டுவிரலால் கட்டை விரலின் அடி ரேகையையும் மோதிர விரலால் கட்டை விரலின் இரண்டாவது ரேகையைத் தொட்டும், நடுவிரலின் நுனியால் கட்டை விரலின் நுனியைத் தொட வேண்டும். ஆள்காட்டி விரலை மட்டும் முழுமையாக மேல்நோக்கி நீட்டிவைக்க வேண்டும். இந்த முத்திரையில் கையின் உள்ளங்கைப் பகுதி வெளிநோக்கிப் பார்க்க, ஆள்காட்டி விரலை 90 டிகிரி மேல்நோக்கி வைத்திருக்க வேண்டும். கையை கவிழ்த்துவைத்தோ, கீழ்நோக்கியோ செய்யக் கூடாது மருத்துவ காப்பீடு சிறந்த ஆலோசனைகளுக்கு 9840177017 அழைக்கவும் #StarHealth #mediclaimagent #மருத்துவக்காப்பீடு

A Spl Senior citizen Mediclaim

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Senior citizen Mediclaim

Ur Search for Senior Citizen Mediclaim ends here Providing Service for Your Existing/New Insurance Services, needs, Suggestion, Portability Services, Claims Related Services, etc SENIOR CITIZEN MEDICLAIM AVAILABLE Call 98401 77017 Devarajan www.starhealthdevarajan.com #mediclaim #மருத்துவக்காப்பீடு #starhealth

When all are shifting towards Financial assets, Are U?

HNIS AND ULTRA HNIS ARE SHIFTING TO FINANCIAL ASSETS. SHOULD YOU? As much as 40%-50% of wealth in Indian business families continues to be invested in own businesses, a trend that is unlikely to change, but there is a change in allocation with the rich preferring financial assets over physical assets, according to two recent first-of-their-kind wealth reports on high net worth and ultra high net worth individuals (HNIs and UHNIs). While one report, The Family Wealth Report 2018, by Edelweiss Wealth Management and Campden Research, focused on ultra-rich, family business owners, the other one, IIFL Wealth Index 2018, by IIFL Wealth Management in partnership with Wealth X, focused on the growth of HNIs and UHNIs in India along with their investment patterns. Their sample sets were different but they had a few common outcomes. Both reports found the rich are increasingly leaning away from physical assets towards financial assets. Also, both said one of the big concerns for the ultra rich is having a good succession plan. The reports surveyed the rich, but money management has similar threads no matter what your financial status. We spoke to financial planners to ascertain whether it is worthwhile for retail investors too to have lower dependence on physical assets and focus on succession planning. Read the Full article by clicking the link www.starhealthdevarajan/news/693 For Insurance related services, Call 98401 77017 Devarajan

Retirement Planning

DON’T LET THESE FOUR MISTAKES DERAIL YOUR RETIREMENT PLANS Retirement is a long-term goal. Our behaviours often get moulded by what happened yesterday and what will occur tomorrow. So, when the target is years away, there is a chance of missing out on important things. Therefore, investors need to be very careful while planning for retirement. Small mistakes of today can get amplified over the years and become an error of epic proportions. The sad part of long-term goals is that when you realise that there is a miscalculation, it is too late to correct the course. So, it pays to be on guard. Here are some mistakes that you should avoid. Failing to consider inflation Do you know what will be the value of today’s `1 crore 30 years later? It will be `23 lakh if you consider inflation at 5%. So, in three decades a neat sum of today can become less than one-fourth of its value. While planning for retirement, many commit the cardinal mistake of avoiding inflation. If you forget inflation, you are setting up yourself for a poor standard of living when you are old. So, investments for retirement, which is typically 25-30 years away, need to be made with an adequate calculation about inflation. Assume inflation around 6-7% and then compute what your retirement corpus needs to be. Read more at www.starhealthdevarajan.com/news/690 For Insurance related services Call 98401 77017 Devarajan

2019 Financial Planning

PLAN TO AVOID FINANCIAL STRESS IN 2019? HERE ARE FIVE TIPS FOR YOU With 2019 almost round the corner, discussions on how to save more money have absorbed most households. Financial planning is a problem that numerous families/individuals encounter and often leads to increased liability and subsequently lead to financial stress. Contrary to belief, it is not just the poorer section of the society that finds it hard to save money; rather a whole bunch of the urban population struggles to save money on a monthly basis. It could be due to a host of reasons including unnecessary spending, non-maintenance of a log and much more. Having said that, here are few tips that you can start following immediately to save more next year: Read the Full Article at www.starhealthdevarajan.com/news/692 For Insurance Related services, call me now at 98401 77017 devarajan

Are U looking for Senior citizen Mediclaim

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LIC Policies under Married Womens Property Act

HOW TO BUY LIFE INSURANCE UNDER THE MARRIED WOMEN'S PROPERTY ACT The Married Women’s Property Act, 1874 protects the property of a wife if the proceeds of her husband’s life insurance policy is attached to pay for outstanding loans in the event of his death or bankruptcy. Types of policies Life insurance policies of any kind, term insurance, endowment policy or unit linked pension plans can be bought with a MWP addendum to take benefit of the said legislation. Conditions The policy can be bought only by a married man who is an Indian citizen. The beneficiaries of the policy must be his wife and/or children. Even a divorcee or a widower can buy an insurance policy with an MWP addendum. A married woman can also buy such a policy with her children as beneficiaries. Read more at www.starhealthdevarajan.com/news/685 For Insurance Related services, Call me at 9840177017 Devarajan

Lesser Known Tax Savings Expenditure

7 LESSER-KNOWN INVESTMENTS, EXPENDITURES ELIGIBLE FOR TAX BREAKS ET Wealth decodes some of the lesser-known investments and expenditures that are eligible for tax breaks. 1. Deduction for pre-nursery Claim relief on children’s play group, pre-nursery and nursery fees Introduced in 2015, this is not as widely known as the deduction on school tuition fees. Section: 80C Maximum permissible deduction: Rs 1.5 lakh What to watch out for: Benefits restricted to two children. 2. Reinvest PPF to save tax Tap PPF account for this year’s tax-saving investments The PPF scheme allows partial withdrawals from the seventh financial year. Read more at www.starhalthdevarajan.com/news/686 For Insurance related Services, Call me at 9840177017 Devarajan

Senior citizen Mediclaim

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Mediclaim for Parents

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Premium Receipt should be informed by sms by the Insurers

IRDAI ASKS INSURERS TO INFORM POLICYHOLDERS VIA SMSES ON RECEIPT OF PREMIUM FROM JAN Insurance sector regulator IRDAI has asked all the insurers to inform policyholders through messages on receipt of premium from January 1, aimed at protecting the interest of consumers. The Insurance Regulatory and Development Authority of India (IRDAI) said the order is being issued to enhance the policyholder protection and information. Wherever the mobile phone number of the policyholder is available in policy records with the insurer, the receipt of premium by the insurer under a policy shall be immediately informed to the concerned policyholder on his mobile phone number by an automatic SMS generated by the system, it said in the order. Also, in case of new contracts, it may be ensured that the correct mobile phone number is captured to ensure SMS is sent on receipt of premium by the insurer. "All Insurers shall put in place systems and procedures to ensure the above intimation to policyholders. The above guidelines shall be effective from 1st January 2019," IRDAI said. www.starhealthdevarajan.com

Health is Wealth

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Providing Services

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Mediclaim for Ur Parents

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Senior citizen TDS Clarification

NO TDS ON INTEREST INCOME UP TO RS 50,000 IN CASE OF SENIOR CITIZENS, CLARIFIES CBDT Are you a senior citizen and your bank is still deducting TDS on your interest income which is less than Rs 50,000 in a financial year? Here’s good news for you. The Central Board of Direct Taxes has clarified that in the case of senior citizens, no TDS (tax deducted at source) is required to be ‘deducted at source’ u/s 194A of the Income Tax Act, where the amount of such income during a financial year doesn’t exceed Rs 50,000 in aggregate. In a circular, CBDT has said that it has been brought to its notice that in case of senior citizens, some TDS deductors and banks are deducting TDS despite the amount of income not exceeding Rs 50,000. “The same is not in accordance with the law as the Income-Tax Act provides that no tax deduction at source under section 194A shall be made in the case of Senior Citizens where the amount of such income or, the aggregate of the amounts of such income credited or paid during the financial year does not exceed Rs 50,000,” it said. CBDT further said that under sub-rule (5) of Rule 31A of the I-T Rules, 1962, the Director General of Income-tax (Systems) is authorized to specify the procedures, formats and standards for the purposes of furnishing and verification of the statements or claim for refund in Form 26B and shall be responsible for the day-to-day administration in relation to furnishing and verification of the statements or claim for refund in Form 26B in the manner so specified Read more at www.starhealthdevarajan.com/nes/679 www.starhealthdevarajan.com For Insurance related services call 98401 77017 Devarajan

Claims related Services

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Insurance Services

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Travel Insurance

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Pan card rules

3 NEW PAN RULES TO BE EFFECTIVE FROM TODAY; HERE’S ALL YOU NEED TO KNOW Permanent Account Number (PAN) is the tax identification number mandatory for filing income tax returns (ITR) and can be applied either online or offline. Quoting of PAN is also mandatory for transactions such as opening of a bank account, depositing cash exceeding Rs 50,000 into a bank account, opening a demat account, investment in shares/ mutual funds, and immovable property transactions. Application for PAN is to be made in Form 49A for Indian nationals and Form 49AA for foreign nationals. The recent decision of the Honourable Supreme Court also confirms that Aadhaar is mandatory for filing of ITR and allotment of PAN. Form 49A, therefore, requires one to furnish the Aadhaar number/ Enrolment ID of an Aadhaar application. It is essential for one to link their Aadhaar with PAN as this facilitates e-verification of the tax return filed through a simple online process. Foreign nationals, non-resident individuals as per the Indian tax laws, super senior citizens, individuals residing in the states of Jammu & Kashmir, Assam and Meghalaya are not required to quote Aadhaar in the PAN application form and the tax return. Some amendments to PAN application forms have been announced recently and shall be effective from 5 December 2018. Read more at www.starhealthdevarajan.com/news/676 www.licdevarajan.com for Insurance services, U can Call 98401 77017 Now

To Protect Ur Wealth take Health Insurance

TAKING A HEALTH INSURANCE COVER CAN PROTECT YOUR WEALTH Adversities hit you without a warning. Especially if they are to do with a catastrophic illness. Most people have that one family member who has been diagnosed with a dreaded illness and finds it challenging to manage financially. It is surprising then to hear that almost 44% (according to a report by Vidal Healthcare Services Pvt. Ltd) of India’s population is not covered by health insurance. Further the average insurance cover of ₹2 lakh is grossly inadequate to cover the expenses for any large illness. In such situations, people dip into their savings or take loans or sell assets to fund treatments. As per a report by EY, 70% of healthcare spending in 2016 was out of pocket and only 2% was through private insurance, the balance 28% being borne by the government. With three-quarters of tertiary healthcare being provided by corporate hospitals, it becomes important to have a high health cover, given the high charges by these hospitals and medical inflation of 20% per annum in India. While a surgery costs ₹1.5-3 lakh, the cost of staying in ICU is ₹50,000 to ₹1 lakh per day. A catastrophic illness (like a transplant) which requires long-term hospital stay, would set you back by ₹15-20 lakh in a month. Common treatments like dialysis cost ₹50,000 a month. Read more at www.starhealthdevarajan.com/news/674 www.starhealthdevarajan.com for Insurance related Services, U can Call Now 98401 77017 Devarajan

EWvaluate Ur Health Insurance

HERE'S WHY YOU SHOULD PERIODICALLY RE-EVALUATE YOUR FAMILY'S HEALTH INSURANCE COVER We often revamp our closet or renovate our house or change the interiors. Similarly, it is vital to re-evaluate health insurance on a timely basis. Health insurance might sound bothersome or like something that will drain your finances, but eventually, it turns out to be a boon when there is a medical emergency. Before investing in a family insurance plan, you may have to think carefully and take the step ahead because if you don’t do that, you might end up opting for some other plan that is not a part of your requirement list. We go through a number of websites before buying a new laptop or TV, so why don't we really take some time out to re-evaluate health insurance plans. The question is "Do we actually need such timely re-evaluation? Mentioned below are a few situations in which re-evaluating your family insurance plans proves to be a wise decision: Read more at www.starhealthdevarajan.com/news/673 for Insurance relatd services, U can call now 9840177017 Devarajan

Health Insurance Services

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LIC Pays divident to Govt

LIC PAYS RS 2,430-CRORE DIVIDEND TO GOVERNMENT FOR 2017-18 MUMBAI: LIC Chairman V.K. Sharma on Friday handed over a cheque of Rs 2,430 crore as dividend for financial year 2017-18 to Finance Minister Arun Jaitley. Speaking to reporters here after meeting the Finance Minister, Sharma said that state-owned Life Insurance Corporation (LIC) recorded a surplus of Rs 48,444 crore during the the last fiscal 2017-18. He said that LIC would also infuse Rs 15,000-20,000 crore into the loss-making IDBI BankNSE -0.83 % struggling with accumulated bad loans. LIC received cabinet approval earlier this year to buy 51 per cent stake in state-run IDBI, which will make the government a minority shareholder in the bank. for Insurance related services, U can call us at 98401 77017 Devarajan www.licdevarajan.com

Buying Health insurance

PLANNING TO BUY A HEALTH INSURANCE POLICY? ASSESS THESE 3 THINGS CAREFULLY New Delhi: Buying an insurance policy, be it life insurance policy or health insurance policy is an important decision. These policies offer a couple of benefits aside from the cover itself. Experts advice buying an insurance policy in the early 20s. A health insurance policy is an extremely important product because not only does it provide financial support in case of a medical emergency but, it also offers mental support by covering the medical care cost of the insured. Since you will be paying a premium, it is important that you assess certain aspect carefully before buying a health insurance policy. You do not want to put your money into a product which does offer you good coverage and benefits. If you are planning to buy a health insurance policy soon, here are three things you should assess first Read more at www.starhealthdevarajan.com/news/670 for Insurance related services U can call now 98401 77017 Devarajan www.starhealthdevarajan.com

Take Care of Ur Health

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A Spl Diabetic Safe Policy

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Think family

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Health Insurance Services

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Insure with Star Health

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Health Insurance sub limits

WHAT ARE SUB-LIMITS IN A HEALTH INSURANCE POLICY? HERE’S ALL YOU NEED TO KNOW In the last few years, having a health insurance policy has become a must owing to the increasing lifestyle-related ailments and constant rise in healthcare costs. When buying an adequate health insurance, there are numerous factors that must be kept in mind to get the best coverage possible. It is recommended to properly know and understand the jargons of insurance like sub-limits, critical illness and pre-existing diseases related to health insurance. Amongst all these essential features, sub-limit tends to be the most under-rated feature even though it is one of the most crucial elements in a health insurance policy. WHAT IS A SUB-LIMIT? A sub-limit clause in a health insurance policy is a cap that the insurer puts for the policyholder on expenses against a specified medical procedure. It is usually a predetermined limit by the insurer on the total claim amount for some specific diseases or medical treatments. Insurers mostly place sub-limits on doctors’ consultation fee, hospital room rent, ambulance charges and some pre-planned medical procedures such as plastic surgery, cataract operation, knee ligament reconstruction and a few more. Read more at www.starhealthdevarajan.com/news/661 For Insurance related services, U can call 9840177017 Devarajan

SBI Services

SBI ALERT! 4 SERVICES, OFFERS TO GET WITHDRAWN FROM DECEMBER 1 IF YOU FAIL TO TAKE NECESSARY STEPS If you are an SBI customer, then you need to be aware of the latest steps your bank has taken or is going to take in the immediate future. This is in your own interest as if you fail to keep yourself updated and do the required things, then you may no longer be able to avail some of the important services provided by the bank, like internet banking facility or uninterrupted pension, which may be crucial for you. Or, you may miss out on some of the important offers of the bank, which may be beneficial for you. Here we are taking a look at some of such initiatives/steps taken by the SBI which you must be aware of: Net banking Facility Festive offier on Pension LOan Life Certificate SBi Buddy Read more at www.starhealthdevarajan.com/news/662 For Insurance related services, U can call 9840177017 Devarajan

Excercise Regularly

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Insurance needs

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Senior citizen Mediclaim

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Health Insurance

HEALTH INSURANCE: 5 AMAZING BENEFITS, OTHER THAN HOSPITALISATION EXPENSES Buying a health insurance policy is one of the wiser ways to safeguard yourselves from the unexpected health hazards as against simply putting aside a fixed corpus. Any insurance policy be it a health, life or term, if seen from the perspective of investment do have their respective pros and cons. For those, who understands health insurance is only to cover the basic medical expenses, there are few amazing benefits associated with it, other than the hospitalisation expenses. Domiciliary Hospitalisation Health insurance policy covers the expenses incurred during hospitalisation but, what if a patient is not able to reach hospital or there is not a spare room in the hospital at the time of need. In such emergent and unexpected situations, a patient can avail the treatment at home, following the approval from the doctor. This kind of treatment is called as domiciliary hospitalisation and it may vary from amid different policy providers as some insurers provide it some don’t. Organ donor related expenses If there is a casualty whom the doctor has recommended a organ transplant such as kidney, liver, etc. The expenses with regard to organ donor may cost a hefty amount to the patient. Read more at http://starhealthdevarajan.com/news/654 For Insurance Related Services, U can always call 98401 77017 Devarajan www.starhealthdevarajan.com https://twitter.com/licdevarajan https://groups.google.com/forum/… https://business.google.com/posts/l/00889445154232854974 https://www.blogger.com/u/1/blogger.g… https://plus.google.com/…/…/+StarHealthInsuranceAgentChennai

Which One U select

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Health Policies

DISEASES AFTER HEALTH POLICY PURCHASE SHOULD BE COVERED: IRDAI PANEL Chronic diseases like Alzheimer's, Parkinson's, AIDs/HIV infection and Morbid obesity should be covered under medical cover if a person contracts such ailments after buying a health insurance policy, according to recommendations of a panel set up by Irdai. The working group has also suggested a list of 17 diseases, including chronic kidney disease, Hepatitis B, Alzheimer's, epilepsy and HIV & AIDS, which could be excluded from health insurance polices. Insurance Regulatory and Development Authority of India (Irdai) had set up a working group for standardisation of exclusions in health insurance contracts in July this year. The panel has submitted its report containing host of recommendations to the regulator. "The Working Group recommends that all health conditions acquired after policy inception, other than those that are not covered under the policy contract (such as Infertility and Maternity) should be covered under the policy and cannot be permanently excluded. "Thus, exclusion of diseases contracted after taking the health insurance policy such as for Alzheimer's disease, Parkinson's disease, AIDs/HIV infection, Morbid obesity, etc, cannot be permitted," said the report placed on the Irdai's website. It has initially recommended a "list of 17 conditions" for which insurers can incorporate permanent exclusions if they are pre-existing at the time of underwriting. Read more at www.starhealthdevarajan.com/news/644 www.starhealthdevarajan.com https://twitter.com/licdevarajan https://groups.google.com/forum/… https://business.google.com/posts/l/00889445154232854974 https://www.blogger.com/u/1/blogger.g… #medidlaim #மருத்துவக்காப்பீடு #starhealth

Diwali gift or Bonus. Taxable?

RECEIVED A DIWALI GIFT OR BONUS FROM OFFICE? FIND OUT IF IT IS TAXABLE Although the Gift Tax Act was abolished in 1998, all gifts you receive during Diwali or any other festival may not be tax exempt. Not only do you have to declare all gifts while filing your income tax return (ITR), you may also have to shell out income tax on gifts according to your tax slab. It is important to understand which gifts are taxed and which are not. Besides, there are separate income tax rules governing Diwali gifts or bonus received from your employer, says tax expert Homi Mistry, partner, Deloitte India. Diwali gift or Diwali bonus from employer: If you receive any gift voucher or token worth more than Rs 5,000 from your employer on any ceremonial occasion like Diwali or New Year, then it is treated as part of your salary and taxed according to your tax slab. The tax exemption is limited to gift vouchers or tokens totalling less than Rs 5,000 in any given financial year. Therefore, if you receive two vouchers totalling more than Rs 5,000 during a financial year then you will be taxed. There is no tax exemption on cash given as a gift by an employer. Mistry points out that even if you get Rs 2,000 cash from your employer, it is taxable as income from salary. READ MORE AT www.starhealthdevarajan.com/news/642 for Insurance related services, U can always contact Devarajan 9840177017 https://www.facebook.com/mediclaimagent/

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New guidlines for LIC policies

IRDAI PROPOSES NEW GUIDELINES FOR LIFE INSURANCE POLICIES; HERE’S HOW THEY WILL BENEFIT BUYERS The Insurance Regulatory and Development Authority of India (IRDAI) has recently released new draft product guidelines for linked and non-linked life insurance policies, which are set to benefit insurance buyers substantially. In a notification, the regulator said that since 2013 there have been significant changes in the trends in product structures, driven by the customers’ needs, wants and preferences. Besides, the insurance industry was also representing to review the various provisions of the current product regulations so that insurance products could cope with the dynamism of the market. All such things forced IRDAI to review the existing product regulations. Whatever be the case, it is also in the interest of the policyholders to know about the major changes proposed by the IRDAI. Here are the key changes that you must take note of: 1. KEY CHANGES PROPOSED Read more at www.starheal;thdevarajan.com/news/640 for Insurance related Services, U can call us at 9840177017 Devarajan www.starhealthdevarajan.com

Riders in LIC Policies

HOW RIDERS ADD VALUE TO YOUR LIFE INSURANCE PLAN The basic objective of buying life insurance is to provide maximum financial security to the dependants in case of untimely death of the policyholder. In almost all the cases the basic sum assured and accrued bonus till the time of death determines the final payout to the nominee. However, there are provisions for providing different benefits in different circumstances, which the policyholder may not even foresee at the time of signing a proposal for taking a life insurance policy. It is a common practice worldwide for life insurers to provide add-on benefits under the same policy on payment of a small additional premium. For example, almost every company offers double accident benefit. This benefit can be secured by payment of additional premium as low as rupee one per thousand sum assured. Rider benefits Under this rider benefit, in case of death by accident a sum equal to the basic sum assured is paid to the nominee over and above the sum assured under the policy. The additional sum under this rider is meant to provide additional funds to help the family. The worst would be that the policyholder, the victim of the accident, is permanently incapacitated and is unable to earn any longer. Read more at www.starhealthdevarajan.com/news/649 For Insurance related services, Call 98401 77017 Devarajan www.starhealthdevarajan.com https://www.facebook.com/mediclaimagent/

Changes in LIC Policies

5 NEW CHANGES IN LIFE INSURANCE POLICIES AND WHAT IT MEANS FOR YOU On October 26, 2018, IRDAI (Insurance Regulatory and Development Authority of India) has proposed significant changes in life insurance policies aiming to give a better understanding of the product, the regulator has set considerable benefits for its policyholders. Have a look at these five important changes proposed by IRDAI and understand what it actually means for you: =|1|= Minimum death benefit has been made 7 times for regular premium products and 1.25 times for single premium products for all ages. Current status: The current status for less than 45 years of age is 10 times and for greater than 45 years, it is 7 times to be eligible under section 80C of income tax act to avail tax benefits. Impact on policyholders: This is an insurance product and hence there is death benefit in-built in this. Santosh Agarwal, Associate Director and Cluster Head- Life Insurance, Policybazaar.com told Moneycontrol that making this lower will only benefit the policyholder because the amount of investment that you make, most of it would be going towards investment in the market and not towards the mortality charges. Whether it is 7 times or 10 times, it is not enough as the cost of life can never be measured. “It is best that most of the money that you invest should be invested in the market and help in corpus building rather than getting it deducted for the mortality charges,” she said. Read more at www.starhealthdevarajan.com/news/638 for Insurance related Services U can always call us at 9840177017 Devarajan www.starhealthdevarajan.com https://www.facebook.com/mediclaimagent/

Guide for Policy holders

Guide for policyholders Involve the family: Involve your spouse and other family members in financial decisions. At least make them aware of all your investments and policies. As of now, there are few who involve their spouse in the financial planning process, according to experts. “Some of our clients involve their wives at least on a half-yearly basis in update meetings with us so that they know the basic plan for the family,” said Varun Girilal, co-founder and executive director, Mitraz Investment Advisors. Organise documents: Ideally, you should make a file of all your investments and insurance policies and share it with your spouse. “A good practice is to share inventory or a dossier in one place with all relevant details such as contact number, amounts etc. with the spouse who is not actively involved in the finances,” said Girilal. Put in place a plan: There’s nothing better if you can chart out a plan, that your dependants can rely on after your death. But to do that, you need to have the right amount of sum assured. “A plan or asset allocation that can be followed, and a professional or family adviser to consult with should be suggested,” added Girilal. Read more at www.starhealthdevarajan.com/news/636 for Insurance related services U can always call 98401 77017 Devarajan

Measure Ur financial Health

HOW TO MEASURE YOUR FINANCIAL HEALTH? CHECK THESE SIX METRICS Your financial health is extremely important as it determines how well you will be able to achieve your goals and ambitions, and in turn improve your quality of life. You can determine whether you’re doing well, or need to pull up your socks by checking your progress with regards to certain metrics. Take a look at what these metrics are. Setting a budget This is a basic practice that you must follow, regardless of whether you are just starting your career or have been working for a while. In essence, it is simply a check you put in place to be sure that you are using your money judiciously, and not spending more than you can afford to. Consider it as the first step to good health, and if you aren’t doing this already, set a budget immediately! You can make it as detailed as you wish to. Setting financial goals Another important way in which you can assess your life basis your finances is by examining whether or not you have defined financial goals. It makes sure that your efforts are guided by a larger purpose and that you’re working towards a defined cause, instead of shooting arrows in the dark. To get started, set goals that cater to immediate as well as long-term ambitions. This way you will be able to save, invest and make money decisions in a more focused, driven manner. Read more at www.starhealthdevarajan.com/news/635 for Insurance related services, U can always call 98401 77017 Devarajan www.starhealthdevarajan.com

Retirment Planning

IS RS 1 CRORE GOOD ENOUGH FOR YOUR RETIREMENT? KEEP THESE 5 THINGS IN MIND Is Rs 1 crore enough for your retirement? This question is best answered with the old saying “more the merrier”. A greater amount of something is always better. This holds good even for your retirement corpus. While planning your cash flow strategy for the later years, you need to ask yourself if you are creating enough to last a lifetime? Will your money work for you over the next few decades? To be sure that you won’t run out of money, it’s best to retire with more than you actually need. Do you have a dream lifestyle that you want to live after retirement? All of us do! Living your sunset years the way you like involves planning for it much in advance and saving enough. The primary aspect of retirement planning is to think long term and to start immediately. The precise amount that you aim to save depends on your lifestyle. Here are a few points why more the merrier is the way to go while building your retirement corpus: Read more at http://starhealthdevarajan.com/news/634

Income Tax returns

NOT FILING YOUR INCOME TAX RETURNS ON TIME? YOU COULD BE PROSECUTED Not filing your income tax returns can lead to prosecution, even if you are entitled to a refund. In a recent decision, the Delhi High Court (HC) held the prosecution proceeding stands committed upon non-filing of income tax return within the prescribed due date under section 139 (1) of the Income-Tax Act. An individual taxpayer had failed to file his income tax return for the Assessment Year (AY) 2003-04 to 2005-06 within the time stipulated under section 139 (1) of the Act. In addition, he failed to abide by the notices issued under Section 142 (1) (requiring a taxpayer to furnish tax return and certain other information) for non-filing of returns. The assessing officer initiated the prosecution proceedings against the taxpayer as punishable under Section 276CC. After the lower court ruled against the taxpayer, he went to the high court. The taxpayer said in relation to AY 2004-05 and AY 2005-06, there was no tax due. Instead, he said he paid more tax than he was supposed to and would have got a refund. Read more at www.starhealthdevarajan.com/news/633

Financial Health

HOW TO MEASURE YOUR FINANCIAL HEALTH? CHECK THESE SIX METRICS Your financial health is extremely important as it determines how well you will be able to achieve your goals and ambitions, and in turn improve your quality of life. You can determine whether you’re doing well, or need to pull up your socks by checking your progress with regards to certain metrics. Take a look at what these metrics are. Setting a budget This is a basic practice that you must follow, regardless of whether you are just starting your career or have been working for a while. In essence, it is simply a check you put in place to be sure that you are using your money judiciously, and not spending more than you can afford to. Consider it as the first step to good health, and if you aren’t doing this already, set a budget immediately! You can make it as detailed as you wish to. Setting financial goals Another important way in which you can assess your life basis your finances is by examining whether or not you have defined financial goals. It makes sure that your efforts are guided by a larger purpose and that you’re working towards a defined cause, instead of shooting arrows in the dark. To get started, set goals that cater to immediate as well as long-term ambitions. This way you will be able to save, invest and make money decisions in a more focused, driven manner Read more at www.starhealthdevarajan.com/news/635 www.licdevarajan.com for Insurance Services, U can always call us at 98401 7017 Devarajan https://www.facebook.com/myfamilyagent

Health Insurance

HERE'S HOW YOU CAN AVOID AN INSURANCE CLAIM REJECTION Insurance is basically a contract between the insurer and policyholder based on principles of good faith. If the policyholder fails to exercise complete honesty and accuracy while providing the information to the insurer, the insurer might reject the claim stating it as the reason for its rejection. You need to be aware of the following reasons for rejection before you file claim papers. Below listed are some of the common reasons for claim rejection: Non-disclosure or incorrect disclosure of the facts Giving inappropriate or wrong information about policyholder is one of the most common reasons for claim rejection. If there is any wrong information or discrepancy in the information provided to the insurer, then the insurer has the full authority to reject the claim raised under the policy by the policyholder. As a responsible buyer, it is obligatory for the policyholder to give the right information required by the insurer. There can be a possibility that the insurer may add the wrong detail by mistake, so it is advisable to check the policy documents precisely as soon as you receive it and inform the insurer in case of any mismatch Read more at http://starhealthdevarajan.com/news/625 for Insurance Related Services, U can always call 98401 77017 Devarajan https://www.facebook.com/myfamilyagent www.licdevarajan.com

Motor Insurance

10 FACTORS WHICH CAN AFFECT YOUR MOTOR INSURANCE CLAIM Buying a motor vehicle is one of the most essential parts of owning a car. It gives you a sense of safety while driving your vehicle. However, if your vehicle gets involved in a mishap, it can drain you emotionally and financially. In India, it is compulsory to have third party car insurance but normally, people buy a comprehensive insurance policy because damage to one’s own vehicle can also be a very expensive proposition and it is simply a practical thing to do while getting your vehicle insured every year. Most of us think that you can easily get claim if your vehicle is insured. However, in reality, it is not as simple how it looks like. As per IRDAI's new circulation on increased Personal Accident cover with respect to claims, insurance companies will confirm whether there was any fault from the owner-driver in relation to the accident. Therefore, it is important for the owner-driver to be careful while going out for a drive. Here are ten reasons why your insurance claims can get rejected: == Ideally, the insured should inform the insurance company within 48 hours to 72 hours after your car meets an accident. Failing this, your claim may be rejected. == The insurance claim will get rejected if you use your private vehicle as a commercial vehicle. Read more at http://starhealthdevarajan.com/news/624 for Insurance Related Services, U can always call 98401 77017 Devarajan https://www.facebook.com/myfamilyagent www.licdevarajan.com

Fiancnical Planning

4 FINANCIAL LIFE STAGES AND HOW TO PLAN FOR THEM If the laundry list of “things to do” puts you off financial planning, then here is a way to make it easier. The elements that form part of the financial planning exercise include budgeting to generate savings, investing for goals, securing , protecting income through life and general insurance, managing debt and planning for the transfer of wealth. While each element plays an important part in securing your finances, not all of them are equally significant at every stage in the life-cycle. Categorise the activities as critical, important, urgent and optional in each phase of your life. Focus your resources on those activities that are identified as critical and important that need immediate attention. Consider activities that are labelled as urgent only if they are also seen as essential. For example, while you may consider holding off increasing contribution to the retirement corpus in favour of paying life insurance premium, you should not consider doing it to fund a holiday even if it is urgent. We tell you the four critical stages in a life cycle and how different financial planning approaches and tools can fit into each to make it a smooth ride for you. Read more at http://starhealthdevarajan.com/news/619 for Insurance Related Services, U can always call 98401 77017 Devarajan https://www.facebook.com/myfamilyagent www.licdevarajan.com

Proper age to Buy Life insurane

IS THERE A RIGHT AGE TO BUY LIFE INSURANCE? No one who comes of age and lands a job can escape the inevitable – that is an insurance sales agent who comes knocking. Looking back, I am ashamed to admit that many of my not-so-proud moments came from evading unplanned encounters with relatives and acquaintances who decided to try their hand at selling life insurance. What can I say? I was young, not savvy with small talk, have yet to learn to say no, and truthfully, my income could barely cover the bills. Now I’d like to think I know better and even go out of my way to set planned meetings with insurance specialists to protect my daughters’ financial future. If I knew then what I know now, I would have managed those “ambush” meetings better, and might have come away with sound investments too. Read more at http://starhealthdevarajan.com/news/617 for Insurance related Services Call 98401 77017 Devarajan www.starhealthdevarajan.com

Financial Planning

4 FINANCIAL LIFE STAGES AND HOW TO PLAN FOR THEM If the laundry list of “things to do” puts you off financial planning, then here is a way to make it easier. The elements that form part of the financial planning exercise include budgeting to generate savings, investing for goals, securing , protecting income through life and general insurance, managing debt and planning for the transfer of wealth. While each element plays an important part in securing your finances, not all of them are equally significant at every stage in the life-cycle. Categorise the activities as critical, important, urgent and optional in each phase of your life. Focus your resources on those activities that are identified as critical and important that need immediate attention. Consider activities that are labelled as urgent only if they are also seen as essential. For example, while you may consider holding off increasing contribution to the retirement corpus in favour of paying life insurance premium, you should not consider doing it to fund a holiday even if it is urgent. We tell you the four critical stages in a life cycle and how different financial planning approaches and tools can fit into each to make it a smooth ride for you. Read more at http://starhealthdevarajan.com/news/619 for Insurance Related services, Call 98401 77017 Devarajan www.starhealthdevarajan.com

Spl Policy for HNI

HIS LIC SCHEME GUARANTEES RS 1 CRORE, INSURANCE BENEFITS AND MORE; DETAILS HERE LIC's Jeevan Shiromani offers both protection and savings to High Net-worth individuals (HNIs). The non-linked plan comes with a minimum assured sum of Rs 1 crore. Sum assured is basically the guaranteed amount a customer receives from an insurer. Jeevan Shiromani plan provides financial support for the family in case of unfortunate death of the policyholders during the policy term. Periodic payments are also made on the survival of the policyholder at specified durations during the policy term and a lump sum payment to the surviving policyholder at the time of maturity. The plan also provides for payment of a lumpsum amount equal to 10% of the chosen Basic Sum Assured on the diagnosis of any of the specified Critical Illnesses. The scheme also takes care of liquidity needs through loan facility. Eligibility Conditions and Other Restriction : http://starhealthdevarajan.com/categories/18/products/36 Call 98401 77017 Devarajan www.licdevarajan.com

Portability

National Insurance Company Limited (NICL) has discontinued “BOI National Swasthya Bima Policy” with effect from 00.00 hrs of 3rd October, 2018. No Fresh Policy will be issued to first time Proposers/New Customers. All existing Policyholders whose Policies are expiring between 3rd October, 2018 and 31st December, 2018 shall have an option to renew the policy for one more year only. IRDAI PORTABILIW NORMS SHALL APPLY IN CASE OF CHANGE OF INSURER. Call 98401 77017 Devarajan or Whats app 98401 77017 to Renew Ur Policy Without breaking your continuity in your policy www.starhealthdevarajan.com

LIC Policy Loan

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Know about Life Insurance

5 KEY QUESTIONS TO ASK ABOUT YOUR LIFE INSURANCE You may have purchased life insurance years ago and never looked back. “Life is dynamic,” he says. “Some of the reasons people have life insurance is to replace income or to fund goals that you expect to fund if you are living and working. But when you die, that income goes away and so does the money to fund some of those goals.” five questions every person should ask about their life insurance coverage: Do I have the right type of coverage? There are two types of life insurance: term and permanent. Ramassini says with term insurance, there is an even exchange. You pay a premium and if you die within a certain period of time, a death benefit will be paid out. He notes that once this type of insurance expires, it gets more expensive as you get older. Permanent life insurance typically provides both a death benefit and a cash value. Part of the premium will go to the cash account, while another part will go to a death benefit. The cash value can be invested in different ways. But unlike term life insurance, permanent insurance does not expire as long as you keep paying the premiums. Ramassini says you should take into account your health when deciding which plan is right for you. Read more at http://starhealthdevarajan.com/news/612 for Insurance related Services call 98401 77017 Devarjan

Life Insurance over Financial Assets

MILLENNIALS PREFER LIFE INSURANCE OVER OTHER FINANCIAL ASSETS: STUDY A majority of millennials look at life insurance as a preferred financial instrument to invest in, to meet their financial goals, says a survey. The findings are based on a survey by Assocham and IndiaFirst Life Insurance conducted to study savings and investment patterns of about 1,000 individuals in the age group of 18-35 years across Maharashtra. "Higher cover at lower premium rates, simplified buying process aided with quick customer service and easy documentation makes life insurance a preferred financial asset," showed the the survey titled, Household savings and simplification of insurance. Nearly, two-third (70 per cent) of millennials preferred life insurance as preferred instruments, closely followed by mutual funds (69 per cent) and fixed/recurring deposits (64 per cent). It said the respondents are quite cognisant about insurance as a financial instrument and are aware about the distinct types of insurance products with 35 percent respondents preferring to invest in a term plan. http://starhealthdevarajan.com/news/613 for Insurance related Services Call 98401 77017 Devarajan

Health Insurance Agent

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SBI ATM limit Lowered

SBI HALVES ATM WITHDRAWAL LIMIT TO RS 20,000 MUMBAI: State Bank of India (SBI) has halved cash withdrawal limit on its ATM cards ahead of the festival season citing fraud precaution as a reason. The existing daily cash withdrawal limit of Rs 40,000 under the bank’s classic and maestro cards have been reduced to Rs 20,000. “In view of the increase in number of complaints received by the Bank around fraudulent transactions at ATMs, and to encourage digital/cashless transactions, it has been decided to decrease the cash withdrawal limits of Debit Cards,” the bank said in a statement. SBI has asked all branches to inform customers of the changes as under the Banking Codes & Standard Board of India guidelines, at least 30 days notice has to be given to the customers for any change in terms and conditions or charges.

Avoid Mistakes While Buying Mediclaim

5 MISTAKES TO AVOID WHILE BUYING HEALTH INSURANCE One of the most important things these days is to buy a suitable health insurance plan for our family. But we need to understand different aspects of the policy before buying and this is where sometimes we may make a mistake. If we buy a health insurance plan either in hurry or without complete understanding of the plan it may result in unpleasant experience at the time of claim. Here are some of the common mistakes that people make while purchasing health insurance and some suggestions to avoid them which will make for a happy claim experience. Underinsuring yourself The most common health insurance mistake is skimping on the coverage amount. You tend to lower your premium costs because of which the coverage gets limited. Would the low coverage be sufficient in meeting your medical expenses? The remedy – medical expenses have become unaffordable to the common man. Since health plans are designed to protect you against such medical costs, invest in an optimal sum insured. Take into consideration the number of members to be covered under your plan and the current medical expenses when selecting the sum insured. If affordability is an issue, buy a top-up plan for supplementing your cover but do ensure a higher coverage. Read more at www.starhealthdevarajan.com/news/608 For Health Insurance/Mediclaim Services, U can always call at 9840177017 Devarajan www.starhealthdevarajan.com https://www.facebook.com/mediclaimagent/ https://twitter.com/licdevarajan https://www.blogger.com/u/1/blogger.g?blogID=6179272565815983646#allposts https://business.google.com/posts/l/00889445154232854974 https://groups.google.com/forum/#!forum/mediclaimpolicyforall