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The Financial Express

Over 1,000 people donate Rs 20 lakh for 11-month-old baby in one week on ImpactGuru; Details

Ayansh is currently admitted at AIIMS, Delhi. (Representational image)

Crowdfunding via ImpactGuru: More than 1,000 people have contributed more than Rs 20 lakh in a week to help an 11-month-old baby! An employee of TCS has taken to donation-based crowdfunding platform ImpactGuru in order to raise Rs 16 crore for his 11-month-old son, who has been diagnosed with Spinal Muscular Atrophy (SMA) Type 1. The money collected would go towards the treatment of the baby, named Ayansh Madan, who would require a one-time gene replacement therapy called Zolgensma.

The employee took to the platform nearly two months after Rs 4 crore were collected for the treatment of a 4-month-old baby named Teera, who is also suffering from the same rare disease and also needed Zolgensma therapy. In his post seeking donation, he requested people to help his son in the same way they helped Teera.

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SMA is a genetic disease, which is rare in nature and it affects the nerves as well as the muscles of the child, rendering them unable to carry out even the most basic of daily activities like sitting up, swallowing their milk and even breathing. Affecting one in every 10,000 children, SMA is also the leading genetic cause of death among children all across the world.

Presently, Zolgensma therapy is the only potential cure for children with SMA, and it is not available in India, forcing parents to import it from the US at steep costs.

Ayansh is currently admitted at AIIMS, Delhi, and his Zolgensma therapy would cost $2.1 million (Rs 16 crore), his father said.

Hoping for a positive response from donors towards the Madan family, ImpactGuru Co-Founder and COO Khushboo Jain gave an update on the crowdfunding campaign for baby Teera, saying that the platform helped Teera’s family collect Rs 14.92 crore. It was this success that urged the Madan family to seek help on the platform, Jain said.

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Twitter brings its Clubhouse-rival Spaces to Android but conditions apply

Android users, just like iOS users, would not yet be allowed to host the conversations on Spaces. (Representational image)

Twitter Spaces: Twitter’s audio chat room platform Spaces has now been opened to Android users. The microblogging site tweeted the development on Tuesday, saying that its beta version was expanding. In January, Twitter had opened its Clubhouse-like platform for account-holders having an iOS device, allowing them to join and listen to conversations taking place on Spaces, even as only a very few users were allowed to host these conversations. This same feature of joining and listening to audio chats on the platform has now been opened up to the Android users.

Android users, just like iOS users, would not yet be allowed to host the conversations on Spaces, as Twitter had earlier announced that it was only allowing a very small feedback group to host on the platform, with preference having been given to women and marginalised groups.

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However, reports have suggested that both Android as well as iOS users would be able to start as well as listen to Spaces soon.

Spaces, which is coming up as a competitor to the invite-only audio chat platform Clubhouse, seems like an extension of Twitter’s venture into voice-based features, which it has been working on over the past few months. In June last year, the microblogging platform had launched audio tweets to a limited number of iOS users, with the feature allowing users to record and send audio messages for up to 140 seconds – a symbolisation of the original 140-character tweets.

Moreover, February saw Twitter bringing to India the support for voice notes on direct messages for both Android and iOS users.

It’s journey into voice-based features has not been easy, however, since it faced flak for not including captions to these features in order to aid Twitter users who have any sort of hearing impairment. But the company has assured its users that it would be bringing automated captions for audio as well as video tweets in 2021.

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Axis Bank launches WhatsApp Banking – Now resolve your banking queries instantly via WhatsApp

By using WhatsApp Banking, customers can now chat with Axis Bank for their queries related to their banking transactions, information like nearest branch, ATM or loan centre location, and can apply for various banking products as well.

Now resolve your banking queries instantly via WhatsApp! In a bid to help address the banking needs of its customers, Axis Bank has now come out with WhatsApp Banking, which will help you bank anywhere and anytime on your favorite chatting app.

For doing this, you just need to initiate a chat with the designated Axis Bank number and ask for details. This will allow customers to seek information regarding their account balance, recent transactions, credit card payments, fixed and recurring deposit details, besides getting their queries answered in real-time. All your queries are just a click away.

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By using WhatsApp Banking, customers can now chat with Axis Bank for their queries related to their banking transactions, information like nearest branch, ATM or loan centre location, and can apply for various banking products as well. They can also block their credit or debit card using the secure end-to-end encrypted messaging channel.

Axis Bank WhatsApp Banking is available 24×7 (even on Holidays). This service will be available for both customers and non-customers of the bank. According to the bank, it is extremely secure and safe as it works on end-to-end encryption basis.

This initiative is in line with the bank’s ‘Dil Se Open’ philosophy, to build sharper customer focus and greater convenience through constant innovation.

Commenting on the launch, Sameer Shetty, EVP and Head – Digital Banking, Axis Bank, said, “Our objective is to re-define the role we can play in the life of our customers, by elevating digital banking to new domains of customer engagement. This technology will not only enhance customer experience, but also provide a seamless and personalized experience to all our customers, as well as non-customers.’’

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JPMorgan goes ‘out of this world’ to test blockchain tech; may set stage for payments between IoT devices

Startups Budget 2021 Expectations, Budget 2021 Expectations for StartupsAlong with Amazon and SpaceX, companies such as OneWeb, Facebook, India’s Pixxel have reportedly been working on sending their own satellites to space.

Investment bank JPMorgan recently tested blockchain’s decentralised network to see if two machines could transact autonomously. And it was literally out of this world. The experiment involved carrying out blockchain-based payments between satellites in space “which validated the approach towards a decentralized network where communication with the earth is not necessary,” according to a statement by the Nasdaq-listed manufacturer and supplier of nanosatellites for customers in the academic, government, and commercial markets – GomSpace. The transaction was made utilising the company’s GOMX-4 satellites instead of JPMorgan sending its own satellites in space. The in-orbit demonstration between satellites was the “world’s first bank-led tokenized value transfer in space, executed via smart contracts on a blockchain network established between satellites orbiting the earth.”

“JPM: First bank with space-based payments using multiple satellites, enabling machine-to-machine payments, programmable value transfer, perhaps an intergalactic currency backed by H2O/O,” Christine Moy, Global Head of JPMorgan’s blockchain network Liink tweeted recently. According to GomSpace, such space-based payments have opened the door to a potential peer-to-peer DvP (data versus payment) satellite marketplace in the long term, as private companies prepare to launch their own constellations.

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“I strongly believe that JPMorgan could have done this payment test without involving outer space and the satellites. They chose outer space because it is possibly the highest level of decentralized environment. A blockchain network created between the satellites and token transfer was done without any sort of communication with earth, it is similar to doing a P2P transaction on earth within a blockchain network without the use of any formal payment platform. This will enable payments between connected smart devices/IoT devices without any human intervention,” Shivam Thakral, CEO of cryptocurrency exchange BuyUcoin told Financial Express Online.

Also read: Autos, bikes continue to drive e-mobility’s post-Covid recovery even as cab booking sees lowest recovery rate

“The idea was to explore IoT payments in a fully decentralised way,” Reuters reported quoting JPMorgan’s blockchain business Onyx CEO Umar Farooq. “Nowhere is more decentralised and detached from the earth than space,” he added. Moreover, according to Tyrone Lobban, Head of Onyx’s blockchain innovation accelerator Blockchain Launch, the test also showed that it could be possible to create a marketplace where satellites send each other data in exchange for payments, as more private companies launch their own devices into space.

Along with Amazon and SpaceX, companies such as OneWeb, Facebook, India’s Pixxel have reportedly been working on sending their own satellites to space. “We are proud to have supported J.P. Morgan as they explored this novel use case of a space-based payment infrastructure utilizing blockchain technology,” Niels Buus, CEO, GomSpace said in a statement. GomSpace’s GOMX-4 satellites would further allow the company to provide rapid in orbit demonstrations, such as JPMorgan’s project, as a service to its customers to explore new uses of space technology.

Back on earth, examples of IoT payments that could become a reality sooner include a smart fridge ordering and paying for milk on an e-commerce site, or a self-driving car paying for gas, according to Farooq. “As far as the future of payments is concerned, this will bring ultimate decentralization in the financial system where even the internet won’t be required to execute payments. This will help in making blockchain technology mainstream and global banking giants will move towards blockchain technology for providing new-age banking services,” added Thakral.

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LTC benefit on life insurance: Confusion prevails over GST rate

Leave Travel Concession, LTC, LTC Cash Voucher Scheme, tax-free incentive, goods, services, GST, tax benefit, travel fare, LTC Scheme benefit on Life Insurance PremiumIn most private sector organisations, LTC is part of the CTC, so no extra money is given as LTC reimbursement.

The Ministry of Finance, while giving further clarification in respect of Special Cash Package equivalent in lieu of Leave Travel Concession (LTC) Fare for the Central Government Employees for the block 2018-21, had issued an Office Memorandum on November 25, 2020, that contained the mention of insurance premium as one of the services eligible under this LTC Scheme.

Against the query – if payment of premium of already existing insurance policies be covered under this scheme – the OM said, “The special cash package envisages just the purchase of goods and services with GST of 12 per cent and above made during the period between 12.10.2020 and 31.03.2021. Payment of premium of existing insurance policies does not fall under this category. However, payment of premium for insurance policies purchased during the period between 12.10.2020 and 31.03.2021 is eligible for reimbursement under the scheme.”

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Subsequently, the scheme was allowed for public sector as well as public sector organisations where LTC benefits are already in place.

However, in most private sector organisations, LTC is part of the CTC, so no extra money is given as LTC reimbursement. As a result, instead of paying money under the LTC Scheme, such organisations will deduct the eligible LTC Scheme amount from the taxable part of salary of the employees availing the Scheme as tax-free reimbursement.

As premium on insurance policies attracts 18 per cent GST, premium paid on new life insurance policies (issued between October 12, 2020 and March 31, 2021) is allowed as eligible services under the LTC Scheme. However, as the GST is not charged on the entire premium (e.g. charged on 10 per cent of premium for single-premium policies resulting in 1.8 per cent effective GST on the entire premium amount), the employees as well as the accounts departments of various organisations are getting confused.

Exhausted 80C limit? You can still get tax benefits on life insurance premium this year

Confusion prevails on endowment plans as well, as 18 per cent GST is charged on 25 per cent of premium amount for the first year and on 12.5 per cent of the premium amount in the subsequent years resulting in 4.5 per cent effective GST in the first year and 2.25 per cent effective GST in the subsequent years on the entire premium amount.

“In accordance with the clarifications dated November 25, 2020 issued by the Ministry of Finance, it is clarified that only premiums paid in respect of such policies which are purchased between 12.10.2020 to 31.03.2021 are eligible for benefit under the LTC Scheme. Further, it is necessary for the goods purchased or services availed i.e. premium in the given case to be subjected to a GST rate of 12 per cent or more in case for the same to be eligible for benefit under the scheme. The Office Memorandum dated October 12, 2020 while putting forth the eligible criteria has used “purchase of such items/ availing of such services which carry GST rate of not less than 12 per cent from GST registered vendors/ service providers has been used’,” said Dr. Suresh Surana, founder, RSM India.

“Prima facie it seems that the intent is to cover life insurance policies on which 12 per cent or more GST is attracted and it can be inferred that even if the effective rate of GST is less than 12 per cent (single-premium policies / endowment plans, etc), the benefit of LTC may not be denied,” he added.

However, as the benefits may be availed by the employees in form of deduction from the taxable income mentioned in Form 16 and can’t be claimed separately while filing the Income Tax Return (ITR), they have to depend on the respective accounts departments to allow the benefits.

With the confusion prevailing over the effective GST rate on life insurance premium, accounts departments are refusing to allow the life insurance premium as eligible benefit under the LTC Scheme.

“As there is a lot of ambiguity on this, a clarification in this aspect may be expected from the government,” said Dr. Surana.

With less than a month left to avail the scheme and deposit the vouchers/bills before March 31, 2021, the Central Board of Direct Taxes (CBDT) has little time to allow the eligible beneficiaries to avail the benefits on life insurance premium.

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What are side effects of corona vaccine? Check complete list and steps to alleviate jab pain

covid 19 vaccinationAs per the WHO report quoted in the Indian Express, severe allergic reactions to vaccines are very rare and it may happen in case of those patients who have had a previous history of adversely reacting to another vaccine.

After the government gave its go ahead to the second phase of the Coronavirus vaccination to cover senior citizens and those suffering from co-morbidities, the number of vaccine beneficiaries is gradually rising in the country. As the vaccination net spreads quickly to cover a large number of people, uncertainty and fear about the probable side effects are also expected to fade away from the minds of people.

However, vaccinated beneficiaries should analyse their post vaccination health symptoms closely and keep track of the other parameters of their body as well. Ashwini Choubey, who is the junior Health Minister in the central government was quoted as saying that there was a need to keep vigil on the possible side effects among the senior citizens and those suffering from co-morbidities. Speaking in the Upper House, the minister also clarified that the government had not made any insurance provisions for the beneficiaries of Coronavirus vaccine to deal with any side effects or medical complications, the Indian Express reported. Here are some of the steps/precautions vaccinated beneficiaries might take after their inoculation.

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Immediate response after getting inoculated
The beneficiary should wait in the waiting room of the vaccination centre for a period of at least 30 minutes in order to check if there are any immediate reactions to the vaccine. Contrary to the public perception that the vaccine gives 100 percent immunity and there is need to take Covid-19 precautions, Dr Tushar Rane from Apollo Spectra Hospital Mumbai told the Indian Express that the vaccines only provide limited protection and beneficiaries should keep on wearing mask, maintaining hygiene among others to ward off the virus.

What could be common side effects?
Fatigue, mild fever, nausea, body pain might be some of the common symptoms among the vaccine beneficiaries. Dr Rane said that the common symptoms must fade away in a matter of 1-2 days and if the symptoms persist then beneficiaries should immediately contact a doctor. Dr Rane also said that swelling and pain might also arise at the body site where the vaccine has been inoculated and in such cases people should use ice and damp cloth for gentle massage.

Is there a chance of severe allergic response?
As per the WHO report quoted in the Indian Express, severe allergic reactions to vaccines are very rare and it may happen in case of those patients who have had a previous history of adversely reacting to another vaccine. The WHO has also advised the governments world over to ensure that the paramedics and healthcare personnel engaged in vaccination are able to assess the medical history of people and take prompt action in case of a severe allergic reaction.

Can one consume a pain killer to alleviate the vaccine pain?
According to experts, a mild dose of common medicines like Paracetamol can be taken in case of acute pain. However, they cautioned that it would be better to consult a physician before taking pain killers or other medicines.

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Looking for safe investments? Is Gold the right option for you – Find out

Gold, Digital Gold, digital gold purchase, digital gold price today, digital gold investment, digital gold investment app, Tax on digital gold, buying digital gold online, ETF, Gold ETF, Gold price, Silver, commodity, net inflows, mutual fund, equity-oriented mutual fund, AMFI data for January 2021, Flexi Cap Fund, Index Funds, ETF, smart beta etf, differences, mutual funds, returns, tracking error, gold etf, etf india, nippon etf gold, bharat bond etf price, Best investment option for salaried, mutual funds, fixed deposits, investment tips, Bank fixed deposits, Gold investment, company fixed deposits, PPF, Public Provident Fund, Stock Market Investment, real estate, NPS, National Pension Scheme, Gold ETF, ETF, net outflows, November 2020, AMFI data, debt fund, debt-oriented funds, mutual fund, Exchange Traded Fund, ETF, Indian markets, US markets,  Passive ETFs, Sebi, indian investors,Another route of investing in gold is in one of the gold-based exchange-traded funds (ETFs).

Gold, also called the yellow metal, has held society’s fascination since the beginning of recorded time. Empires and kingdoms have been built and destroyed over gold and mercantilism. As societies progressed, gold started getting universally accepted as an acceptable form of payment. The United States’ monetary system was based on a gold standard until the 1970s.

The interesting aspect of gold is that, unlike other commodities such as oil or grains, it does not get used up or consumed. Once gold is mined, it remains in existence. On the other hand, a barrel of oil is turned into gas and other products that are expended in vehicular or aero engines. Grains are consumed in the food that humans and animals consume. But gold can be turned into jewellery, used in art, stored in ingots, locked away in vaults, and applied to a variety of other uses.

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Regardless of gold’s final destination, its chemical composition is such that the precious metal cannot be used up – it has permanency.

The easiest way to gain exposure to gold is through the secondary exchange, or the stock market, via which one can invest in actual gold bullion or the shares of gold-mining companies. The information about their prices is readily available in global financial publications. Also, gold coins are often minted in smaller sizes, making them an attractive investment proposition.

However, the main problem with gold bullion is the storage and insurance costs. These along with the relatively large mark-up from the dealers erode the potential of earning more profits. Additionally, buying gold bullion is a direct investment in gold’s value, and each dollar/rupee change in the price of gold will proportionally change the value of one’s holdings. Other gold investments, such as mutual funds, may be made in smaller dollar amounts than bullion, and also may not have as much direct price exposure as bullion does.

Another route of investing in gold is in one of the gold-based exchange-traded funds (ETFs). Each share of these specialized instruments represents a fixed amount of gold. These funds may be purchased or sold just like stocks, in any brokerage or Demat account. This method is, therefore, easier and more cost-effective than owning bars or coins directly, especially for small investors, as the minimum investment is only the price of a single share of the ETF.

Thus, gold is not only an ideal source of diversification for an investor’s portfolio but also provides a foundation that investors rely on to manage risk and preserve capital more proficiently, especially in times of financial chaos when stability is most needed.

Due to the value of this precious metal and its importance, gold can be influenced by a variety of factors. Like gold, the price of crude oil is determined in the US dollar. When the US dollar rises, dollar-denominated assets usually drop in price, as investors of other currencies find dollar-denominated assets more expensive. Because gold and crude oil are dollar-denominated assets, they are strongly linked.

As crude oil prices rise, inflation also rises. Gold is known to be a good hedge against inflation. The value of gold only increases when inflation rises. Gold and crude oil are further related in that a rise in the price of oil dampens economic growth due to its excessive industrial use. This diminished economic growth adversely affects most industries. This can lead to a negative impact on equity markets, which in turn boosts the demand for alternative assets such as gold.

Repo rates are negatively correlated with the price of gold. The repo rate increases as the gold prices decrease. This is because an increase in the repo rate reduces the flow of money in the economy and purchasing power of consumers decrease.

by S. Ravi, Former Chairman of Bombay Stock Exchange, Founder and Managing Partner of Ravi Rajan & Co.

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Covaxin phase 3 trial results out, Bharat Biotech says its Covid vaccine has 81% efficacy rate

The DGCI had said that the decision to grant emergency approval to the vaccine maker was given on the basis of earlier phases of clinical trials.The DGCI had said that the decision to grant emergency approval to the vaccine maker was given on the basis of earlier phases of clinical trials.

Bharat Biotech, the Hyderabad-based pharma major, has released the efficacy data of its Coronavirus vaccine ‘Covaxin’ on Wednesday. reported. According to news agency ANI, the company said that its Coronavirus vaccine efficacy rate is 81 per cent as per the results of the third phase of human trials. The latest vaccine efficacy data could prove to be a shot in the arm of the pharma company as the Serum Institute of India’s (SII) vaccine efficacy rate was pegged at 70 percent only in the phase 3 human trials.

As per the information provided by Bharat Biotech, the vaccine is up to 81 percent effective after its second dose in preventing the Coronavirus infection. The company also shared that the phase 3 clinical trials were conducted on a sample of 25,800 participants, which is the largest group of trial participants conducted in the country so far.

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Presently, the Indian drug regulator Drug Controller General of India (DGCI) has approved the use of two Coronavirus vaccines in the country namely SII’s Covishield and Bharat Biotech’s Covaxin. The DGCI had given the emergency approval to BharatBiotech on the basis of its phase 1 and phase 2 trial results along with interim data of phase 3 trials submitted by the company to the regulator. The DGCI had said that the decision to grant emergency approval to the vaccine maker was given on the basis of earlier phases of clinical trials.

Prime Minister Narendra Modi who is leading the Coronavirus fight of the country from the front was also vaccinated with the Bharat Biotech vaccine on Monday. The company had said that the decision of PM Modi to get vaccinated with the indigenous Bharat Biotech vaccine would further strengthen the trust of people in the Covid19 vaccine and dispel their fears about the vaccine.

With the third and final phase of the Covaxin vaccine out, the company’s fortune are expected to change dramatically as India’s neighbouring countries and allies might demand Covaxin consignment. So far, major countries which have sought India’s help in getting access to the Coronavirus vaccine, demanded SII manufactured Covishield vaccine only as it had completed its phase 3 trials.

However with the completion of phase 3 trials and a better efficacy rate of about 81 percent, the Bharat Biotech’s vaccine is also going to be in demand in India and across the world.

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Aegon Life Insurance launches Aegon Life Saral Jeevan Bima – Check Features

Saral Jeevan Bima plans, features, premium, online, insurance, Aegon LifeThe plan comes with hassle-free processing with minimum financial and medical requirements.

Aegon Life Insurance has announced the launch of its latest life insurance product – Aegon Life Saral Jeevan Bima that allows flexibility to the customers to adapt the policy basis their needs. With this online policy, one can enjoy the benefits of hassle-free processing with minimum financial and medical requirements.

Aegon Life Saral Jeevan Bima is a simple insurance policy that will pay the nominee a fixed amount after the policyholder’s death during the policy term. It can be bought by any individual aged between 18 to 65 years with a sum assured of Rs. 5 lakhs to Rs. 25 lakhs and cover period ranging between 5 years to 40 years.

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One can make premium payment either as a Single Pay or go for Regular Pay Equal to policy term or opt for a Limited Pay of 5 years and 10 years. The buyer may avail benefits of Aegon Life AD Rider with this policy. In case of the death of the Life Assured due to an Accident during the Rider Term, an amount equal to the Rider Sum Assured is payable. This amount will be in addition to the death benefit under the Base Policy.

Aegon Life Saral Jeevan Bima is a standardised simple term insurance plan as per the IRDAI’s mandate to all insurers to launch a standard term insurance plan. The Insurance Regulatory and Development Authority of India (IRDAI) felt it necessary to introduce a standard, individual term life insurance product, with simple features and standard terms and conditions. Such a standard product will make it easier for the customers to make an informed choice, enhance the trust between the insurers and the insured, and reduce mis-selling as well as potential disputes at the time of a claim settlement.

Term insurance plans are the purest form of insurance and anyone with financial dependents should buy them. Such plans suit especially those who are looking to buy protection covers for the first time.

Satishwar Balakrishnan, MD & CEO Aegon Life Insurance said, “The introduction of Saral Jeevan is a significant move by the IRDAI with standard coverage with affordable premiums. This will not only help improve insurance penetration, but its availability on digital platforms will help in advocating online insurance buying as simple, transparent, and hassle-free.”

COVID-19 vaccine drive phase II: Guide for self registration, booking of appointments

This vaccination phase began on Monday, when a whopping 25 lakh beneficiaries registered themselves for the doses.

Coronavirus vaccination in India: With the second phase of vaccination having begun, about 26 crore beneficiaries would be able to either walk-in at the vaccination centre or enroll themselves to get the vaccination doses administered. This vaccination phase began on Monday, when a whopping 25 lakh beneficiaries registered themselves for the doses on the CoWIN portal, launched by the government for smooth carrying out of the immunisation drive. These beneficiaries would be receiving the doses over the next few days, while others who are eligible to receive the shot in this phase can continue registering themselves.

In this phase, people aged above 60 years, and those above 45 years and suffering from government-listed comorbidities would be eligible to receive the vaccination jabs. But how can a beneficiary register themself? Find out here!

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Process for self-registration for COVID-19 vaccine

In order to register themselves for the drive, the beneficiaries would have to go to the CoWIN website launched by the government, where they would have to key in their phone number. Once they get an OTP, they would have to enter that as well to get the phone number verified. Upon this stage, the beneficiary would have to enter a few details – the photo ID card they wish to show at the centre (like Aadhaar or Voter ID), the number of the Photo ID, age and gender of the beneficiary, and information regarding any pre-existing comorbidity that the beneficiary may be suffering from.

After this, the beneficiary would need to register. After the completion of the registration, a confirmation message would be received by the user. A registered beneficiary would also have the option to register a maximum of three other beneficiaries, by filling in their photo ID proof, the ID number, name, gender as well as age. The registered beneficiary, who is filling in the application, would also be able to delete a beneficiary before they make the appointment.

Booking an appointment

The beneficiaries, after having successfully registered themselves and up to three others on the portal, can click on the ‘Schedule Appointment’ option, redirecting them to a page where they would have to choose their state, district, block, as well as the PIN code. Once these details are filled, the beneficiary would see a list of nearby vaccination centres, and the beneficiary would be able to select from the options. Upon the selection, the portal would show the number of available slots on the day, along with letting users see the slots for the next week.

Once a beneficiary chooses the slot, they would have to click on the ‘Book’ option, post which they would be headed to a page for ‘Appointment Confirmation’, where the beneficiary would have to finally confirm their appointment after verifying all the details. A message of ‘Appointment Successful’ would be displayed on the page once the booking is complete.

Alternatively, the users would also be able to walk in without having previously registered on the app for the vaccination, which will be regulated by each state. In this option, the registration, appointment, verification as well as the administration of the vaccine would happen on-site.

Second dose: The procedure

Once a beneficiary received the first dose of the vaccination, they would automatically be given a message regarding the appointment for a second dose at the same centre. In case a beneficiary has moved to a different city during this time, however, then they would be able to reschedule their appointment to a nearby centre in the new city.

Moreover, getting a second dose of the vaccine is not necessary on the 29th day, and so the beneficiary would have the option to change the appointment for the second day to anywhere between the 29th day and the 42nd day after the first dose.

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