Hallie Sam


Benefits of Organ Transplant Feature in Health Insurance Policies

Since the dawn of the 20th century, health care has seen an exponential growth. The rate at which the medical field continues to grow increases with each passing year. At this point, medical science has advanced enough for patients to get their organs replaced by newer and healthier ones. However, with newer technologies and practices the cost of healthcare gets even higher than before. The same applies to organ transplants. Moreover, until very recently, most insurance companies did not cover the expenses that are involved in organ transplants like harvesting screening etc. At the same time, India has experienced a sharp rise in the instances of organ transplants.

However, health insurance has seen a lot of change in this regard and is still gradually evolving to make organ transplants much easier. Many insurance providers in India are taking an initiative to create insurance products that have a provision for organ transplant support.

Health insurance coverage for organ donation and transplant in India

A case of organ transplant is a sign when critical illness insurance comes handy. Organ transplant requires two major things. The first is an organ donor and the second is an organ receiver. Hence, these are the two primary concerns that health insurance needs to address. Health insurance coverage is valid for diagnosed conditions, procedures, surgeries, and other treatments that require hospitalization. So, if you are an organ receiver, health insurance makes it absolutely clear that their coverage will include payment for tests and procedures that are involved in the transplanting of the organ. Moreover, the coverage will only be up to the limit of the sum insured. * Standard T&C Apply

However, other expenses that are connected to organ donation will not be included in the policy. These expenses will have to be covered by the organ receiver out of their own pocket. There are some insurance companies that cover those expenses as well. But, getting that coverage included in your policy will make the premium higher.

Expenses associated with the organ donor

There are 6 main types of medical expenses that have to be covered in regard to the organ donor. These expenses include:

  • Organ screening to check whether the organ donor is compatible with the organ receiver. This includes the donor’s blood group and overall physical well-being.
  • Pre-hospitalization costs need to be covered after the donor has been finalized. Organ donor might have to take certain medication, treatment, etc. before they can be hospitalized for organ donation.
  • Hospitalization costs for the organ donor’s admission and stays in the hospital. This includes the cost of the room, nursing expenses, doctor consultations, etc.
  • Cost for the organ transplantation surgery is the main cost of the entire procedure. This includes the cost of harvesting the organ, transplanting it into the recipient, fees of the surgeon, etc.
  • Post-surgery complications are also a cost associated with the process. This can include costs like recovery, adapting the body after the loss of an organ, etc.
  • Post-hospitalization costs are the final piece of expense that is required. This includes medication for the donor, follow-up consultations with the doctor.

* Standard T&C Apply

Out of all the costs mentioned above, the only costs that are not covered under health insurance are pre-hospitalization, post-hospitalization costs of the donor, and post-surgery complication expenses. Even some companies that do offer these coverages place a sublimit or restriction on the money that can be spent on it.

These are some benefits as to how health insurance comes handy when an organ replacement is required. When buying, make sure that you purchase a cashless health insurance for a hassle-free claim experience. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.

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Selecting a Suitable Car Insurance Cover Made Easy

Car insurance is a legal mandate in India. Having an insurance cover for your car is essential to drive it legally. However, selecting a policy among the plethora of alternatives can not just be daunting, but also confusing to many.

Reasons like a variety of plans, different features, varied coverages offered are few that make it increasingly difficult to pick the right car insurance cover. In this process you can take help of tools like a car insurance calculator that not just compares based of premium, but also the features. This article enlists how can you select a suitable insurance cover making it easy for you to zero down on one.

Selecting a car insurance starts with deciding on the type of insurance coverage you want—a third-party cover or a comprehensive cover. Third party car insurance plans, also known as liability-only policies, are those which provide insurance coverage against legal liabilities that may arise due to an accident. Such accidents may result in either property damage or injury to a third person, both of which attract legal consequences. Thus, safeguarding you in case of such incidents. For these reasons mentioned above, a third-party policy is the one that is a minimum requirement as per the law.

On the other hand, a comprehensive policy is an alternative to third-party plans. This insurance cover provides protection not just from third-party legal liabilities, but also various damages to your car. These damages may be caused due to an accident or as a result of other natural and man-made perils. Hence, a comprehensive plan must be preferred for the broader coverage it offers.

Other than deciding on the type of insurance policy, the factors mentioned below can be used to select a suitable insurance plan:

  • Customer Support

The support that your insurance company provides is essential to be checked before you avail a coverage. This will help to lodge a claim round the clock, if need be. Most insurers provide all-day facility to lodge claims and some even have the claim facility via their mobile application. * Standard T&C Apply

  • Cashless garage network

Another feature to look at when you buy car insurance online or offline is the cashless garage network. This network is a chain of service garages that are associated with the insurance company that can help you avail the cashless repair facility. As the name suggests, you need not pay for the cost of repairs upfront, but instead, the insurance company pays for it to the service garage. * Standard T&C Apply

  • Claim Settlement ratio

Claim settlement ratio is the proportion of claims that are settled in comparison to the total claim applications received by the employer. The higher this ratio, the higher is the probability that a valid claim is honoured by the insurer. Thus, policies must be bought considering the claim settlement record of the insurer. * Standard T&C Apply

  • Customisability of insurance coverage

Do not forget to review if your car insurance policy is customisable. Customisation benefits by helping you choose the exact coverage that you need thereby fulfilling all your insurance requirements. * Standard T&C Apply

These are some of the crucial pointers that can help to choose the right insurance coverage, be it for a first-time buyer or not. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.

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Mark Roemer Oakland Shares the Benefits of Hiring Busing Development Consultants


Mark Roemer Oakland believes that hiring business development consultants have become an essential factor in every business culture. Therefore, every business owner has started hiring business development consultants to get an external viewpoint and shape their business accordingly. The benefits of hiring business development consultants are mentioned below:

The Benefits

  1. Focussing on the core business capacities- No matter what your business is, business development consultants can help you focus on the core business capacities. You may often feel frustrated while sorting out the information needed for your business; in such cases, a consultant can help you with the required information. A business development consultant ensures that you focus only on the area of concern without wasting time dealing with unnecessary information.
  1. Getting help from the experts- When hiring a business development consultant, you are getting in touch with an expert well-versed with your business criticalities. Therefore, a consultant can help you with an immediate solution to any issues you are currently facing. When guided by a business master, it can be a game-changer for your business. They guide you with the most genuine advice in the process of accomplishing your goals and targets.
  1. Support in the business tasks- Sometimes, undertaking all the recent business trends becomes difficult for business owners, and the business development consultant can come to your help. Being experts in the sphere, they help you with all the innovative practices that can boost your business. Maybe you have been following a few practices for a long time, but it shows no outcome; in such cases, a consultant can share his view about what is going wrong and what has to be done.
  1. Undertaking cost-effective methods- When you hire a business development consultant, you can quickly solve all the day-to-day issues you face. However, without a consultant, you will end up messing up in emergencies and will need to spend a huge sum in sorting out the issues. The expert can help you with the most cost-effective solution to your problems within the required time frame, which can help you save much effort and costs.
  1. Expanding your business- If you want to expand your business, hiring a business development consultant can help you perform all the required steps and smoothly complete the entire process. An expert helps you with the most genuine business evaluation and directs you to make the desired decisions. He will help you recognize your weaknesses and strengths and how your steps can impact your business.


According to Mark Roemer Oakland, the points mentioned above will help you clearly understand how a business development consultant can help your business grow. With the rising demand for innovation and the increasing competition among the companies, it has become crucial for every business owner to hire a business development consultant. A single wrong step can have a huge impact on your business, and therefore, it is best to get advice from an expert and help your business reach heights.

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Signs of Water Damage Requiring Immediate Restoration Services

There are endless signs of water damage someone should know. It is no secret that water damage causes constant problems. This is true, especially when not noticed on time and dealt with as deserved. However, the consequences of leaving water damage unsolved for long may worsen the situation, which can be quite expensive in the long run.

Water damage does not only spread fast but can cause structural damages. For instance, the development of mold after water damage can destroy the wall and other things it comes in contact with. But probably one of the biggest problems is that water damage doesn’t manifest itself until after some time. So how does one know that damage has occurred and should seek water restoration Houston services?

Well, this article addresses some of the most critical indicators of water damage. Kindly note that this list does not touch on all the possible signs. But of course, it discusses some of the most common that no one should ignore.


In most cases, someone may not see water but can hear it. When water damage is imminent, it means something must have gone wrong with the piping system or some source of water. And more often than not, the sound of dripping water is enough to conclude water is misbehaving somewhere. Some of the sounds include rushing water or creaking floorboards. Regardless of the case, it is an excellent idea to seek professional assistance.


Abnormal smells, some of which may include bad odor, are an indicator of water damage. For instance, areas damaged with water will be damp, and it usually has some unique odor. At worst, it will be accompanied by a musky smell of mold. So, for the fastest and most reliable assistance with your water restoration, Houston needs to be wary of such smells.


This is no brainer. Like they say, where there is smoke, there is fire, mold, and water go hand in hand. So, with the slightest sign of decay, especially where it is unexpected, the chances are that water damage has occurred. Dealing with mold is one of the most challenging tasks of restoration services. Especially when it has affected a larger area, it is highly advised to call for professional assistance as fast as possible.


This is yet another sign of water damage. For the better part of it, the effect comes with streaks of water running down the side of a wall. In most cases, it may signal an overflowing gutter leaving watermarks behind. It is also common to notice this on the ceiling and just any other part of the house. Regardless of where the discoloration happens, it is an excellent idea to reach out for professional assistance.


Other signs like warped flooring and peeling walls are common signs of water damage. No matter the case, the importance of hiring professionals to help can never be underestimated. But just not any other expert. It is priceless to choose a contractor with a positive reputation for doing timely and quality water restoration service.

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How To Port From BSNL or Jio To Another Network?

MNP or mobile network portability is one of the best features available for telecom operators in the country. Now, telecom users can change their telecom service provider if they are unhappy with their service. For example, if you don’t want to use BSNL or Jio service, you can port to Vi or Airtel without changing your phone number.

On the other hand, you have to complete your postpaid bill payment and abide by various other rules and regulations to avail the service. If you are looking to port your telecom service provider from Jio or BSNL to any other service, you will find all the necessary details below.

Eligibility Criteria To Port From BSNL or Jio To Another Network?

Undoubtedly, you can change port your phone number from one service provider to the other if you are eligible to do so. We have listed the eligibility criteria for all the people who want to port from BSNL or JIO to any other network service provider.

  • When you are porting your phone number, you must be the first owner of the number. One should also not port the number during the change of ownership process.
  • There is no connection between the court of law and porting of the mobile number, nor does the court of law prohibit phone number porting.
  • One cannot port their phone number until they clear pending dues or any other subscription fee. In the case of postpaid connections, the customer must clear the BSNL postpaid bill payment ‘Outstanding Dues’ to be eligible for the porting service.
  • One can only change the telecom service provider after using the service for more than 90 days.

Documents Required To Port From Jio or BSNL To Any Other Network?

When you port your phone number to any other network service provider, you must submit your identity and address proof along with the porting code. Here is the list of the documents which you have to submit while porting your phone number,

  • Address proof or Aadhar card
  • A passport size photo, and
  • Porting code.

How To Port From BSNL or Jio To Any Other Network?

Before applying for a new connection, you must have a unique porting code from your current telecom service provider. All the BSNL users can send an SMS to PORT <SPACE> Mobile Number to 1900 to get UPC or Unique Porting Code.

Jio users can also use the same process to get the UPC before applying to other network service providers.

How to Port To Airtel From BSNL To Jio?

If you want to port to Airtel, then you have to visit the official website of Airtel and submit your UPC. You have to select the plan then and complete your payment from Airtel Payments Bank. Once done, an executive from the company will call you to take all the necessary documents. You can select the date and time slot based on your convenience. One can also pay BSNL bills on Airtel Payments Bank.

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Which is better Post Office FD or Bank FD

As you might know already, a fixed deposit is one of the best investment options for individuals looking for consistent returns and low investment risk. That said, banks aren’t the only ones offering the facility. Even Post Offices offer fixed deposits facilities for individuals like yourselves. So then, which one is better? A post office fixed deposit or a bank fixed deposit? Here’s what you need to know.

Post office fixed deposit vs Bank fixed deposit

Here’s a detailed comparison of the two fixed deposit schemes.

Post office fixed deposit Bank fixed deposit
Post office FDs come with a tenor of 1 to 5 years. The tenor of bank fixed deposit schemes range from 7 days to 10 years.
Depending on the tenor of your choosing, the post office FD interest rate can be anywhere from 5.5% to 6.7% Depending on the bank and the tenor of your choosing, the rate of interest can be anywhere from 2.9% to 6.75%
You can only prematurely withdraw a post office fixed deposit after 6 months from the date of deposit. You can prematurely withdraw a bank FD at any point in time.
The investment under 5-year post office FDs can be claimed as deductions under section 80C of the Income Tax Act, 1961 to the tune of up to ₹1.5 lakhs each financial year. To claim deductions up to ₹1.5 lakhs each financial year under section 80C of the Income Tax Act, 1961, you would have to opt for special tax-saving bank FDs.


However, these fixed deposit schemes tend to have lower interest rates compared to a post office fixed deposit.

The interest on post office FD is calculated on a quarterly basis and is paid out annually. With bank FDs, you can opt to receive the interest periodically, or choose to reinvest it for higher returns.


So, there you have it. Both post office FDs and bank FDs are great investment options for individuals. That said, if you prefer a more customizable tenor with the ability to prematurely withdraw your investment within 6 months of opening the account and the option to reinvest the interest, then bank FDs may just be the one for you. On the other hand, if you prefer high interest rates, periodical interest payouts, and the ability to claim your investment as deductions, then post office fixed deposits may be the way to go.

If post office FDs are something that you might be interested in, head on over to Finserv MARKETS to learn more about them. Also, while you’re there, you could also use our very own post office FD calculator to get an idea of the kind of returns that you’re likely to get.

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ULIP Plans – Understand its jargon

ULIPs have recently proved to be one of the most enriching investment options. In addition to offering a chance to generate wealth along with having life insurance, ULIPs help in many non-financial ways as well.  Having to choose the right fund to invest money in, teaches you to evaluate things logically and make smart decisions. ULIPs often come with a lock-in period. This means that you cannot withdraw from the policy for a certain amount of time. Hence, you have no option but to learn how to make regular and systematic investments over a longer period of time.

Even though they benefit you in so many ways, you must have a thorough knowledge of the policy before purchasing one. This means knowing about the various terms that are associated with it. Here are a few terms related to ULIPs that you should know about:

  • Fund value

Fund value is a term used to describe the value of your ULIP fund. Essentially, it is the sum of the monetary value of all your investment units. This means that it is a figure of how much money has your unit-linked fund reached.

  • Sum assured

Every type of insurance product has a term called sum assured. As the name suggests, it is an amount of money that has been promised to the policyholder. It is the main life coverage feature of ULIPs. In the case of the policyholder’s death, the nominee mentioned in the plan will receive a payout. This feature is also known as the death benefit.

  • Partial withdrawal

Withdrawal in itself means to remove or to extract. We hear of withdrawing numerous times in our daily lives. The biggest example you can look at is your bank account. Where you withdraw the money in the account for your own use. It is similar in the case of ULIPs. The money you give as a premium is invested into various funds. In the case of an emergency, if you need money you can go for a partial withdrawal from the investment fund. This means you can sell some units and get some money for your needs.

  • Fund switch

Switching means changing from one thing to another. This is something you can do with ULIPS as well. You may know that part of your premium goes towards an investment fund with the hopes of growing. However, these funds can perform well or bad depending on the market conditions. Hence, there is always a chance that your fund does the opposite of what you wanted it to do. Fortunately, ULIP plans have a feature of fund switching. This feature allows you to switch from one fund to another. If your fund is underperforming, you can contact your fund manager to put your money into another one. Insurance providers offer a certain number of free switches. If you switch more than your switching limit, you would have to pay a fee.

  • Top-up premium

If you have ever bought different types of insurance policies, you may be aware of the term top-up. ULIPs have a concept of top-ups too. However, it is different for other insurance products. With regular life insurance, you get a top-up and you simply buy more coverage. In the case of ULIPs, you pay an extra premium to buy units. Each of these units has a face value which means a monetary value. You can put these additional units into your coverage or investment funds.


The idea of a contract is based on the act of agreement. If two parties participate in a discussion and come to a common ground, it is called an agreement. A contract is an acknowledgement of that agreement. However, a contract is not just for settling discussions and disputes. It is also a sign of a promise. This especially applies to ULIPs. When you buy the policy, you enter into a contract with the insurance provider. The policy document is proof that you and the insurance provider have reached an agreement. This contract states that you will pay them a premium and they will offer life coverage and an investment opportunity.

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How Does amazon workspaces Fare Against the Odds?

Know that the Amazon WorkSpaces provide scalability. With that it also includes required Microsoft Active Directory (AD) services as part of the Workspaces pricing. Additionally, each amazon workspaces customer receives a more than 50 GB Amazon Work docs subscription.

Amazon Work Docs is a fully managed, secure document creation, storage, and collaboration service that enables you to effortlessly create, edit, and share material from any location and on any device.

As an AWS service, Amazon WorkSpaces is configured in a Virtual Private Cloud (VPC) and may combine network security with incoming and outgoing security policies. If the company wishes to install services in EC2, this enables apps running on cloud to connect to the servers in the same way that they would on a local network.

The perks of using amazon workspaces

Ascertain that data is safe, regardless of the location from which it is accessed.

Because no data is kept on the local device and all data is encrypted at the business level regardless of the network access point, critical information is as secure whether accessed through free Wi-Fi at Starbucks or an airport as it is when accessed from behind the corporate firewall.

Ease of Deployment and Administration

Initial configuration time may be required for installing apps and transferring data. However, once established, it is straightforward. amazon workspaces enable you to bundle and deliver upgrades to your organization’s desktop apps quickly and securely.

End user device selection

The cloud platform is compatible with a wide variety of devices, including Windows and Mac PCs, Chromebooks, iPads, Fire and Android tablets, and web browsers such as Chrome or Firefox.

Simple resource reconfiguration Workspaces may be dynamically enhanced with extra power or capacity as required by the use case.

The service will be monitoring interacts with AWS monitoring services, making it simple to monitor systems for performance problems.

Amazon cloud platform enables SMBs to take advantage of the many advantages of VDI according to research without making large upfront investments. Both hardware and software infrastructure will be included here. It may even assist a small company in transitioning to a fully serverless environment without sacrificing productivity or security.

Simple VDI for SMBs

Managing desktops has never been simpler than it is with Amazon Workspaces. Provisioning, installing, maintaining, and recycling are simplified since there is less hardware inventory to manage and no need for a complex virtual desktop infrastructure (VDI) that cannot expand.

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The Advantages of Using Inventory Storage Services for Your Company

One of the most important things to any company that depends on a steady supply of raw materials to sell is its stock availability. If you’re an exporter, manufacturer or distributor, your company’s inventory storage needs are very important to your bottom line. By automating this process, you can reduce losses due to spoilage, reduce inventory tracking and control, improve supply chain management and increase company productivity.

The benefits of inventory storage services for your business are not restricted to exporting companies only. Many retailers and wholesalers are able to benefit from the same technology and the same benefits as their main competitors. By storing inventories at a warehouse that is fully automated and linked to the internet, businesses can run collections of product in a matter of minutes rather than days. These inventories can be sourced from anywhere in the world, meaning that there is no hassle when it comes time to move stocks between locations.

The benefits of inventory storage are not limited to the company running the system though. They can also be beneficial to anyone who wants to get on board. Sellers can access information about inventories, pricing and stock levels with the click of a button. The ability to easily determine where to place products and how quickly to make room for them also means there is less downtime for staff members.

The benefits of inventory storage are not just for exporters either. Anyone who has a manufacturing company of any kind should look into whether this type of system could help them. An organized way to stock inventories allows people in the company to better monitor the status of stocks, which helps prevent slippage and increases company profits. It’s also a good idea for sales and marketing people to keep abreast of what’s going on in their field as well. Having easy access to data that is constantly updated will allow them to make informed guesses about what products are selling and which ones aren’t doing so well.

As well as the obvious advantages to business owners, the benefits of inventory storage extend to customers and other people in the community. Stores that stock up on their stock can cut down on long lines at the cashier and avoid the frustration of having to wait in such a long line. People who are shopping can also avoid having to suffer through an already crowded store when they know they can quickly find what they need nearby. If there are goods that have run out of stock, keeping track of them will allow a business owner to quickly make room for new stock as soon as they are back in stock.

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What Can RPA Services Do for My Business?

Although it seems that RPA is the future of robotics, a lot of people are still skeptical of this technology. This is because they have not yet tried to use it and do not understand the huge benefits that they can get from it. If you are one of these people who are not yet convinced about RPA, then this article will provide you with some useful tips that you can use in order to convince others about the importance of having an RPA system. First of all, you need to know that these types of robots are much more than just remote control vehicles; they are actually able to make an enormous difference in the way that a company operates.

The first thing that you need to do is to understand that RPA robots are superior to the previous types of robotic automation. Before computers were developed, human interaction was required in order for them to do their tasks. However, as computers became more intelligent, it was easy for them to take over most of the tasks that were previously handled by people. However, thanks to RPA, there is now a third way to control machines-the graphical user interface, or GUI.

What makes rpa services so special is the fact that it uses an artificial intelligence, or an artificial intelligence system, in order for it to work. The artificial intelligence used by RPA robots is similar to the programs used by machine learning researchers today. Machine learning uses complex mathematical algorithms in order to give computers highly intelligent programs that can function independently. In order for a machine learning robot to accomplish its task, however, it needs a human in order to make sure that it performs appropriately.

RPA robots are able to significantly reduce the total number of human tasks that need to be performed in a manufacturing facility. These robots allow workers to spend more time on other jobs, thereby increasing the productivity of the entire operation. This means that even though there are a few extra hours in a worker’s day, these extra hours can be put to good use-not just during the regular work week, but also any overtime hours required due to the high levels of individual robotics work. In short, RPA robots allow for a significant increase in the level of overall efficiency in a manufacturing operation. The increased productivity leads to cost savings, which lead to profit.

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