Sales Financial Services

Position Details
Postion: Sales & Marketing

Qualifications: MBA – Sales/Marketing, BE, BSc, BTech with good written & oral communication skills

Experience: 3.5 to 4 years of experience in sales financial services. Have carried out the entire sales cycle from Lead generation to sales closure and payment collections. Is self drawn with keenness to work with targets and timeliness. Awareness of investment product will be an added advantage.

Job Description: He will need to have a thorough understanding of the products and services. He will be required to generate his own leads and follow them up until closure. This will involve
i. Initial product presentation to prospect
ii. Proposal building

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You can contact us at 9986184653 or write to rsantoshrathod@gmail.com Providing your : Name,

Date of birth, etc

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LIFE INSURANCE HEALTH INSURANCE CAR INSURANCE MUTUAL FUNDS HOME LOANS
Why YOU NEED INSURANCE POLICY
Risk cover Tax savings
Permanent and complete protection Protection for your family
Cash lump sum (Bonus Additions) Long-term Investment
Extra income in retirement days Lifetime financial security

Best deal from top Insurance Providers LIC
ICICI Prudential Metlife Bharti Axa Birla sun lifeSBI Life Max New York Reliance HDFC Kotak ING Vysya ICICI Lombard United India Star Health

Get Tax Benefits under Section 80D* with ICICI Lombard Health Insurance

Get Tax Benefits under Section 80D* with ICICI Lombard Health Insurance

Jeevan Anand LIC POLICY ILLUSTRATION

Eg: Following table will highlight the Maturity benefits for a healthy person of age 30 years and for term of 25 years.
If person dies in between the term nominee will receive
S.A + Bonus (Till the death) + F.A.B(If any).
If Person dies any time after term nominee will receive S.A.
S.A 5,00,000 10,00,000
Yearly prm 20,978 41,206
Total Prm 52,4450 10,30,150
Maturity Benefit. S.A 5,00,000 10,00,000
Bonus @ 45/1000, 5, 62,500 12,37,500
FAB @ 550/1000 2,75,000 5,50,000
Total amount(apx.) 13,37,500 27,87,500

LIST OF INSURANCE PRODUCT DETAILS

Digits of MICR Codes Tax Return

Friends,
While filing Income Tax Return , there is a coloumn of MICR (Magnetic Ink Character Recognition) code. In case of refund cases, this column is very much helpful for everyone. It is commanly used by Banking Industries to faciliate the cheques processing. It makes very easy to refund by Income Tax Department.

Digits of MICR Codes
MICR code contains 9 digits,
First three digits display the city/first 3 character of pin( Postal Index Number) like as in case of Rohtak , Pin number is 124001 , therefore 3 digits of Micr code will be 124.
4-6 Digits display the bank codes alloted to each bank. For example State Bank of India has been alloted "002" . there fore 6 digits of MICR code will be 124002
7-9 Digits display the Bank Branch Codes alloted to each branches of bank. For Example SBI, Mdu branch has been alloted 006. Therefore 9 digits of MICR code will be 124002006.
Finally MICR code will be 124 002 006 (City+Bank+Branch) Codes

SWINE FLU FACT FILE

What are the symptoms?
Swine flu symptoms are similar to the symptoms of regular flu and include fever of over 100.4°F, fatigue, lack of appetite, and cold. Some people with swine flu have also reported runny nose, sore throat, nausea, vomiting and diarrhoea. Nearly everyone with flu has at least two of these symptoms.So, how do you know if you have flu or just cold? There is one clue: when you have the flu, you feel flu symptoms sooner than you would cold symptoms, and they come on with much greater intensity. With the flu, you may feel very weak and fatigued for up to 2 or 3 weeks. You'll have muscle aches and periods of chills and sweats as fever comes and goes. You may also have a stuffy or runny nose, headache, and sore throat. Can I compare flu symptoms with cold symptoms? Yes. The following chart can help you compare flu symptoms with cold symptoms. Use it to lean the differences and similarities between flu and cold symptoms. Then, if you get flu symptoms, call your doctor and ask about an antiviral drug.



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Symptoms
Cold
Flu
Fever
Rare
Characteristic, high 100-102 degrees F); lasts 3-4 days
Headache
Rare
Prominent
General aches, pains
Slight
Usual; often severe
Fatigue, Weakness
Quite mild
Can last up to 2-3 weeks
Extreme Exhaustion
Never
Early and prominent
Stuffy Nose
Common
Sometimes
Chest Discomfort,Cough
Mild to moderate; hacking cough
Common; can become severe

You cannot confirm if you have swine flu just based on your symptoms. Like seasonal flu, pandemic swine flu can cause neurologic symptoms in children. These events are rare, but, as cases associated with seasonal flu have shown, they can be very severe and often fatal.Doctors may offer a rapid flu test, but what you need to understand is a negative result doesn't necessarily mean you don't have the flu. Only lab tests can definitively show whether you've got swine flu. State health departments can do these tests. Source: WebMD


What should you do immediately?
Those of you who have travelled from the affected countries in the past ten days and show symptoms swine flu like fever, cough, sore throat and difficulty in breathing should immediately contact the telephone number given below or visit the nearby Government Hospital.Important contact numbers:Outbreak Monitoring Cell (Control Room, NICD): 011-23921401Websites: www.mohfw.nic.in and www.nicd.nic.inYou can also contact a toll free number 2392 1401 at the National Institute of Communicable DiseaseContact number for each cities:Bangalore BIAL Swine Flu Center - 91-80-22001490SDS TUBERCULOSIS & RAJIV GANDHI INSTITUTE OF CHEST DISEASES(Govt. of Karnataka), Hosur Road, Bangalore - 560029Helpline No: 91-80-26631923ChennaiCommunicable Disease Hospital, 87, T.H. Road, Tondiarpet, Chennai, Tamil NaduHyderabadGovt. General and Chest Diseases Hospital, Erragadda , Hyderabad Hospital Helpline Number - 040-23814939KolkataBeliaghata Infectious Diseases Hospital, 57, Beliaghata Main Road, KolkataMumbaiKasturba Hospital, Arthur Road, Sane Guruji Marg, Mumbai 400011 Ph: 022- 23083901 / 23092458 / 23000889New DelhiYellow Fever Quarantine Centre, Near AAI Residential Colony, New Delhi Ph: 91-11-25652129Influenza Ward, Ward no 5, Second Floor, New Building, RML Hospital, Delhi-1RML- 91-11-24525211,23404328,23365525- Ext 4328Source: Swine Flu India website




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Who is at risk?
Those who are more at risk from becoming seriously ill with swine flu are people with:
chronic (long-term) lung disease, including people who have had drug treatment for their asthma within the past three years,
chronic heart disease,
chronic kidney disease,
chronic liver disease,
chronic neurological disease (neurological disorders include motor neurone disease, Parkinson's disease and multiple sclerosis),
suppressed immune systems (whether caused by disease or treatment),
diabetes,
pregnant women,
people aged 65 or older, and
young children under five.
Source: National Health Service, UK website

How does it spread?
The new swine flu virus is highly contagious, that is it spreads from person to person. The virus is spread through the droplets that come out of the nose or mouth when someone coughs or sneezes. If someone coughs or sneezes and they do not cover it, those droplets can spread about one metre (3ft). If you are very nearby you might breathe them in.Or, if someone coughs or sneezes into their hand, those droplets and the virus within them are easily transferred to surfaces that the person touches, such as door handles, hand rails, telephones and keyboards. If you touch these surfaces and touch your face, the virus can enter your system, and you can become infected.Source: National Health Service, UK website


Can it be prevented?
Influenza antiviral drugs also can be used to prevent influenza when they are given to a person who is not ill, but who has been or may be near a person with swine influenza. When used to prevent the flu, antiviral drugs are about 70% to 90% effective. When used for prevention, the number of days that they should be used will vary depending on a person’s particular situation.Follow this general procedure to reduce the risk of catching or spreading the virus, you should:
Cover your mouth and nose when coughing and sneezing, using a tissue
Throw the tissue away quickly and carefully
Wash your hands regularly with soap and water
Clean hard surfaces (like door handles and remote controls) frequently with a normal cleaning product
Keep away from others as much as possible. This is to keep from making others sick. Do not go to work or school while ill
Stay home for at least 24 hours after fever is gone, except to seek medical care or for other necessities. (Fever should be gone without the use of a fever-reducing medicine.)
Drink clear fluids (such as water, broth, sports drinks, electrolyte beverages for infants) to keep from being dehydrated
Wear a facemask – if available and tolerable – when sharing common spaces with other household members to help prevent spreading the virus to others.
Source: CDC, National Health Service, UK website


Will it help to wear a mask?
Information on the effectiveness of facemasks and respirators for decreasing the risk of influenza infection in community settings is extremely limited. So, it is difficult to assess their potential effectiveness in decreasing the risk of Swine Flu virus transmission in these settings. However, a well-fitted, FDA-approved mask together with other preventive measures MAY reduce the risk of contracting the flu. Those who are sick or caring for someone who is ill should consider using a mask or respirator if leaving the house becomes necessary. Source: CDC

What precautions should one take at home?
Two things - soap and water can reduce the chance of infection by 30 per cent. All you need to do is keep washing your hand with soap and water frequently. Wash hands frequently with soap and water or use alcohol-based hand cleaner when soap and water are not available. Avoid touching your eyes, nose and mouthEat healthy: Proteins are essential to help your body maintain and build strength. Lean meat, poultry, fish, legumes, dairy, eggs, and nuts and seeds are good sources of protein.The Food and Drug Administration recommends that adults eat 50 grams of protein per day. Pregnant and nursing women need more. By eating foods high in protein, we also get the benefit of other healing nutrients such as vitamins B6 and B12, both of which contribute to a healthy immune system.Vitamin B6 is widely available in foods, including protein foods such as turkey and beans as well as potatoes, spinach, and enriched cereal grains. Proteins such as meats, milk, and fish also contain vitamin B12, a powerful immune booster.Minerals such as selenium and zinc work to keep the immune system strong. These minerals are found in protein rich foods such as beans, nuts, meat, and poultry.Exercise: Regular exercise may help prevent the flu. According to recent findings, when moderate exercise is repeated on a near daily basis, there is a cumulative immune-enhancing effect. That is, your strong immune system can fight flu better. When you exercise, your white blood cells -- the blood cells that fight infections in the body -- travel through your body more quickly, fighting bacteria and viruses (such as flu) more efficiently. To maintain good health, experts recommend at least 30 minutes of aerobic activity such as walking, swimming, biking, or running each day.Source: Flu India website, CDC, WebMD


What precautions should one take at schools?
Avoid close contact with people who are sick
People who are sick with an influenza-like illness should stay home and keep away from others as much as possible, including avoiding travel, for at least 24 hours after fever is gone except to get medical care or for other necessities. (Fever should be gone without the use of fever-reducing medicine). Cover your mouth and nose with a tissue when coughing or sneezing
Wash your hands often
Avoid touching your eyes, nose or mouth
Source: CDC
Is it safe to travel?
Avoid traveling unnecessarily. However, if you must travel, check how the country you're going to handles swine flu. Although, the WHO doesn't recommend travel restrictions, many countries have set up their own H1N1 policies, and some travelers have been screened or quarantined in other countries because of swine flu concerns.

Source: WebMD.com

Why should I spend money on health insurance

Why should I spend money on health insurance? Has this question ever crossed your mind? If yes, you are not alone. Most people tend to think that Health Insurance is something that they need to think about only when they grow old.

• However, the truth is that health insurance protects you in case you become seriously ill or meet with an accident. A sudden accident, loss of health or natural disaster can happen to anyone. Such situations can drastically alter a person’s life, causing loss of income and inability to pay bills. Sudden death can cause serious financial hardship to the spouse and children left behind. Over and above the emotional turmoil, it can throw their regular life out of gear due to lack of finances.
• A health insurance policy not only covers the cost of financial losses when disaster strikes, but also helps you tide over emergency medical bills due to hospitalization. If you think your health insurance premium is expensive, just wait till you receive a medical bill.
• Even if someone is down with jaundice or malaria and requires hospitalization for a couple of days, his hospital bill could range from anywhere between Rs 15,000 and 25,000 depending on the hospital. And in these days of rising health care costs, imagine a chronic diabetic who needs insulin injections everyday, some one who needs frequent dialysis/chemotherapy or someone who needs continuous medication to keep living. How long will the person be able to pay out of his own pocket without any support from an Insurance company? So think, can you really afford to go without health insurance? If the unimaginable does happen, you will certainly want to have an insurance policy covering a portion of the extremely expensive cost. What are the benefits of taking a Health Insurance policy? The immediate benefit of taking up a Health Insurance policy is the Tax benefit that you can enjoy under section 80 D of the Income Tax Act. Do not worry if you do not have adequate money to pay for sudden hospitalization or surgery. Your health insurance policy offers a cashless hospitalization facility. This facility is a great help since one doesn’t have to run around in the middle of the night to collect cash for paying up large deposits prior to admission.If a person gets hospitalized all his medical expenses 30 days prior to hospitalization and 60 days post hospitalization will be covered. This includes nursing expenses, diagnostic and medical expenses, surgery, anesthesia cost, doctor’s expense, specialist fees, scanning, x-ray, ambulance expense, oxygen, operation theatre expenses, cost of surgical appliances, room expenditure, day care expense and similar expenses. There are few treatments which due to technological advancement are done as an outpatient, that is, you need not have prolonged hospitalization. These treatments are also covered under health insurance. If you are a non-claimant don’t think that your money is wasted. In fact, a Health Insurance policy is most advantageous to you when you do not claim for the first few years and stay insured continuously. You will not only enjoy the Income tax benefits under Section 80D of the IT Act, but also your sum insured gets increased without paying any extra premium by way of cumulative bonus. Also, you will get covered for medical conditions diagnosed over the years. Since accidents, natural disasters and sudden loss of health can happen to anyone, it makes sense to stay insured in spite of not claiming in any given year or for a series of years. How do I get the best out of my health insurance policy? Health insurance premium tends to increase with age - more the age, higher the premium. So insure at a young age. Always carry your health card with you. This might save you in case you are alone in a situation and you require immediate medical attention.If your current employer provides you with health insurance cover, check whether your dependents are also included in the plan. If that is not the case, it makes sense to take a separate insurance plan for your dependents. Also, remember your current employer will provide you health insurance cover only till the time you are employed with them. If you are in-between jobs or if you retire there is a possibility that you and your loved ones might be stranded in case of a medical contingency. Hence, it makes sense to invest in a personal health insurance policy. It is not only important to be insured, but also important to ensure that you are adequately covered. Please choose the right kind of plan to get maximum coverage in case of any eventuality. Also, due to rising health care costs, it is better to get individual cover for all the members in your family.Royal Sundaram has a comprehensive Health Insurance plan that covers you, your spouse, your dependent children and parents. Just visit Star Health Insurance, Icici Lombard or CALL 9986184653 to know more.

Star Health & Allied Insurance Company Limited

Star Health and Allied Insurance Company Limited (Star Health) is a joint venture between Oman Insurance Company, ETA Ascon Group and a number of insurance veterans in the country. Star Health has chosen to be in the field of health insurance and was the first stand-alone health insurance company in India. It offers a wide range of health insurance services and related products at affordable prices, dealing in personal accident, Mediclaim, and overseas travel insurance.

Plan Name
Medi classic
Coverage:
Hospitalisation Cover : In-patient hospitalisation expenses for a minimum of 24 hours.Includes room rent and boarding @2% of sum insured, subject to a maximum of Rs.4000/- per day, Nursing expenses, Surgeon's fees, Consultant's fees, Anaesthetist's and Specialist's fees, Cost of medicines and drugs, Emergency ambulance charges for transporting the insured patient to the hospital up to a sum of Rs 750/- per hospitalisation and overall limit of Rs 1500/- per policy period.
Exclusions:
Expenses for the treatment of any illness/disease/condition,which is pre-existing, Treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of this policy, First Two Years Exclusions: Cataract,Hysterectomy for Menorrhagia or Fibromyoma,Replacement surgery for knee and/or joint(other than caused by an accident),Prolapse of intervertibral disc (other than caused by accident), Varicose Veins and Varicose Ulcers, FirstYearExclusions:Benign Prostate Hypertrophy,Hernia,Hydrocele,Fistula in anus,Piles,Sinusitis and related disorders,Congenital internal disease/defect,removal of gallstones and renal stone, Naturopathy treatment, Expenses which are purely diagnostic in nature with no positive existence of any disease, Treatment of Cogential external disease/defects/anomalies, Expenses which are mainly cosmetic in nature.
Coverage of Existing disease: All pre existing diseases are covered after 5 consecutive policy years.
Pre Hospitalization Expenses Coverage Period: Covered for medical expenses incurred 30 days prior to hospitalization.
Post Hospitalization Expenses Coverage Period: Covered for 7% of the hospitalization expenses, subject to a maximum of Rs.5000/-
Cumulative Bonus: On sum assured of 5% for every claim free year to a maximum of 25%
Cashless: Access to over 4000 hospitals thus managing your expenses and providing hassle-free transactions.
Domiciliary Treatment: Not covered.
Claim Filing Time: TPA need to be informed within 15 days of discharge from nursing home/ hospital.
Cancellation Of Policy: By sending a notice of 30 days by registered post at the insured last known address.