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Star Health Insurance

Medi Classic

  • The coverage amount under this insurance is per individual member only.
  • Medi-classic is a policy that provides reimbursement of hospitalization caused due to injuries or illness.

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Diabetes Safe

  • Any person between 18 years and 65 years of age who is a diabetic can take this insurance.
  • Guaranteed renewals beyond 65 years.

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Senior Citizen Red Carpet

  • Age should be in between 60 years and 75 years of age.
  • Guaranteed renewals beyond 75 years.

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Criticare Plus

  • Provides re-imbursement for all injuries and illness plus provides lump sum in case if the insured person is diagnosed with any critical illness.
  • Provides for payment of lump-sum amount equal to the sum insured opted if the insured person contracts any one of the Major diseases for the first time.

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  • Sum-insured available from 1-5 lakhs for a standard premium of 15,000 only.
  • Coverage for inpatient(Hospitalization) and outpatient treatments both are covered.

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Super Surplus (ADD ON PLAN)

  • This is an add-on plan which allows you to exhaust your current policy and the surplus could be utilised from this plan.
  • This plan is available for 7 and 10lakhs on a cheap premium.

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Cardiac Care

  • Person between 10 years to 65 years who had undergone PTCA (Stenting) or CABG (By-pass) for the first time, within 4 years can buy this policy.
  • Cardiac ailments are covered after 90 days.

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Unique Health Insurance

  • This policy is available on individual basis
  • Coverage ranging from 1-3 lakhs.
  • Sub-limits from Rs.50,000 to Rs.1.5 lakhs
  • Premiums charged from Rs.4,900 to Rs.26,540

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Student Care Insurance

  • Individual Plan
  • 3 years to 18 years (School student)15 years to 25 years (College Students)
  • Sum Insured Range
  • Rs.50000 (School Students)/Rs.75000 (College Students) to Rs.1 lakh (School Students)/ Rs.2 lakhs (College Students)

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Family Health Optima

  • Any person between 18 to 65 years of age can take this insurance for their family on floater basis.
  • Cashless hospitalisation at network hospitals with all the day care surgeries covered.

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Comprehensive Plan

  • Restoration of sum-insured is an unique benefit of this policy with wide range of sum insured from 5-25 lakhs.
  • It is a comprehensive policy without any caps or sub-limits.

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Family Delite

  • This policy is available for 2 and 3 lakhs only.
  • This policy is suitable for tax deductions as the premium is very cheap.

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Senior Citizen Red Carpet

  • Age should be in between 60 years and 75 years of age.
  • Coverage for all Pre-existing diseases after 12 months from the date of commencement of first policy.

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Wedding Gift

  • Any couple aged between 18 to 40 years residing in India can take this insurance.
  • Renewable up to 45 years.
  • This is on floater basis.

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Diabetes Safe

  • Floater policy can be taken only for a family of 2
  • Covers hospitalization for Diabetes and all other aliments including accidents

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Criticare Plus

  • Provides re-imbursement for all injuries and illness plus provides lump sum in case if the insured person is diagnosed with any critical illness.
  • Provides for payment of lump-sum amount equal to the sum insured opted if the insured person contracts any one of the Major diseases for the first time.

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  • Sum-insured available from 1-5 lakhs for a standard premium of 15,000 only.
  • Coverage for inpatient(Hospitalization) and outpatient treatments both are covered.

Know More

Super Surplus (ADD ON PLAN)

  • This is an add-on plan which allows you to exhaust your current policy and the surplus could be utilised from this plan.
  • This plan is available for 7 and 10lakhs on a cheap premium.

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Star Net Plus Insurance

  • No Age Limit
  • Sum Insured Range Rs. 30,000 to Rs. 50,000
  • Annual Premium Rs. 2500 to Rs. 4,000
  • Medical Screening Required

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Care Insurance

  • Individual Family Health Plan
  • Entry Age – 18 years to 65 years (Adults) 2 years to 25 years (Children)
  • Sum Assured – Rs.1,00,000
  • Premium – Single
  • Renewability – Lifetime

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Top 100 B-schools in India 2015 #top #100 #b-schools #in #india #2015, #top #public #b-schools #in #india #2015, #top #private #b-schools #in #india #2015, #top #100 #mba #colleges #in #india #2015,


Top 100 B-schools in India 2015

Careers360 conducted a nation-wide survey of management institutions to find a comprehensive list of top 100 B-schools in India. This year, however, we went beyond Top 100 B-schools in India as the outcome of our ranking process include a list of top 41 public MBA institutes and top 72 private MBA institutes. On the basis of ranking survey data, Careers 360 has also created list of top rated B-schools in different states and union territory.

Like last year, the public and private schools have been rated separately, primarily from the point of view that these institutions are endowed differently and hence are amenable to comparison only among themselves. But the parameters have been kept the same and scoring based on the same algorithm, though we have changed the weights of two parameters slightly.

The ranks now represent what the students seek. We have also attempted to group the institutions based on natural clusters as per the aggregate scores. All the schools ranked have been rated as well. And those schools that did not meet the cut-offs to be ranked have also been rated. We have also included another 100-odd schools, which did not participate during the current year, but on whom we had sufficient data to rate them. Thus 113 management institutes have been ranked, and 300-odd have been rated.

Post scrutiny of available data, we used our INPUT-PROCESS-OUTPUT methodology to arrive at broad parameters like diversity of students and faculty members; infrastructure; accreditation and recognition; placement statistics; programme fee; and admission test score cut-offs. For more details on the survey process, read B-Schools survey methodology of Careers360 .

Public B-schools are those institutes which are run by central or state governments. Private B-schools are owned, run and funded by private trusts. They are not aided by the government unlike public B-schools. The Missing Schools refer to those B-schools which did not participate in the ranking process but are institutes worth mentioning.

Click on the tabs below to know more on the rating of different states under five regions of India – North, South, East, West, Central.

Correspondence Education in India #new #correspondence #courses, #correspondence #education #in #india #methods #of #correspondence #education #global #perspective #of #correspondence #education #correspondence #edu #advantages


Correspondence Education – Introduction

Lamentably in a developing country like India, higher education has generally remained confined to a particular section of the society, who has both the resources and the time to avail of it. A large part of our population, especially those belonging to the rural areas has been bereft of higher education. In an effort to provide a solution to this problem, efforts have been made to democratize education through novel mode of education i.e. “correspondence education”.

Correspondence Education is a method of providing education to nonresident students, who receive lessons and exercises through mails and, upon completion, return them for analysis, criticism, and grading to the institute or university concerned. It is being increasingly used by students, business and industry in training programmes, by men and women in the armed forces, and by the governments of many nations as part of their educational program. It supplements other forms of education and makes independent study programs readily available.

Correspondence education has opened a new window of opportunities for those who have craved for further studies. In a way it has helped numerous professionals, dropouts (school college), housewives, etc to accomplish their unfinished dreams. It has immense relevance, particularly in a country like India, where pursuing education is a pricey affair. We receive scores of career queries everyday, which again is a shinning testimony of the great curiosity among the discerning users to know about the various options that education has to offer.

Originally correspondence courses were largely confined to vocational subjects. However these days, universities and institutes also offer such courses in virtually any field of study and possibly in all levels. Many of the subjects are not generally given in residence schools.

Indian Scenario

In India correspondence education has a very long history. After the concept of open universities emerged, it lost some point to them. However, these open Universities are also offering correspondence course to students. But some regular Universities like University of Delhi, Jamia Millia University, and Madurai Kamaraj University are in the top list of correspondence course.

Global Perspective

Correspondence courses were first offered in Great Britain, Germany, and the United States but spread rapidly throughout the world. The correspondence movement emerged in the mid-19th century, fuelled by the need for an educated trade and working class brought on by industrial and urban development, and facilitated by the development of improved printing and postal services.

Technological advances and a quantum leap in the electronic and communications field has changed the face of education today, most particularly that of correspondence education. It is important to note that over the past two decades many correspondence study programs have developed significantly greater use of interactive educational technologies such as audio teleconferencing and computer conferencing.


Correspondence education is an independent mode of education, which does not require a real-time interaction between students and teachers. In this education system, a student can study at home, receive the exam paper by post and send back assignments by post.

Instruction may be entirely by correspondence or by a combination of home study and resident seminars or laboratory work. It may include sound records or tapes, slides, films, videotapes or videodisks, teaching machines, computers, and the use of telephone, radio and television at times. The advent of electronic mail in the late 20th century the advent of electronic mail (correspondence delivered by means of electronic printing or display devices) has remarkably increased the communication between the student and the university or institute concerned.

Some courses may also include kits of tools or instruments and materials to be processed, as well as texts and study guides. Courses in Braille and on records or cassettes are also available for the visually challenged.


The flexibility of time helps the students to prepare for the exam comfortably. The systematic instructional material, instructional design and self-instructional material help the independent learners in a significant way. The strategy, stages and steps in effective lesson writing are really helping the students to develop themselves. It is also very economical, which can be afforded by all sections of the people.

Being an `industrialized’ form of education, it has reduced human contacts which occur only in the feedback stage of the process. However this is taken care of by means of periodic assignments for submission.

In a nut shell the merits of correspondence may be listed as below:

  • Student is more active and self directed in learning environment
  • Well planned instructional design and self-instructional material
  • Easy schedule
  • Students can engage courses at home
  • Economical and affordable for every one
  • Can pursue a job along with education
  • Suitable for Drop out students, housewives and others doing a job who could not complete their education for some reason.

Suitable For

  • Drop out students
  • Economically Weaker and working professional

Universities Offering Correspondence Education

The following Institutes / Universities provide Correspondence Education in India. To know more about the courses / Institute / University please select from the following.

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Medical Transcription

ACCU-SWIFT understands that Physician / patient confidentiality is most important. Therefore all Physician / patient transcription related procedures, voice, and data storage and document management meet or exceeds HIPAA regulations. Click here for partial list of the rules and regulations that we strictly adhere to.

All medical transcription work carried out at ACCU-SWIFT goes through two levels of word-by-word thorough check for any omissions, corrections, formatting, etc. before sending to clients. We have regular training and cross-section reviews between various levels of medical transcriptionists and editors to improve the quality of medical transcription at the base level. A unique feature of ACCU-CHART . our web based online medical transcription patient chart management system, is that doctors/secretaries can edit the charts online and when they save the edited charts, the updated chart is instantaneously downloaded to our servers in India and it compares with the original medical transcription and highlights the changes made. This is used as a two-way communication system to have internal audit and improve the quality of services.

ACCU-SWIFT is a professionally managed Medical Transcription Service company maintaining very high standards in providing patient information management services to US clinics and hospitals. ACCU-SWIFT Medical Transcription Services utilizes state-of-the-art infrastructure, dictation technology, well-qualified and experienced transcriptionists, and high-end software technologies to provide end-to-end solutions for medical transcription and healthcare information management.

ACCU-SWIFT s mission is to provide its client with acceptable medical transcription services, healthcare management services and maintain a dedicated team of qualified medical transcriptionists and supporting staff who will always feel proud to be a part of ACCU-SWIFT .

ACCU-SWIFT interdigitizes high-end innovative software technology with qualified medical transcriptionists. Our dedicated team of software professionals work hand-in-glove with our clients and medical transcription team to provide the ultimate results that our clients expect, and many a times more than they come to expect of us. The medical transcription software developed by our team is both extremely user-friendly and secured for use in medical transcription business.

Our clients are provided with highly customized Accu-Swift Auto File Transfer (ACCU-TRANSFER) software to automatically transfer dictation from their office/home computers to our secure servers and simultaneously automatically download all new medical transcriptions available on our website. They are also provided with access to ACCU-CHART . our online medical transcription patient chart management system, which has host of functions designed to provide information at the click of buttons.

At ACCU-SWIFT . we always listen and are open to the minutest details and specifications our clients require in terms of medical transcription, formatting, special instructions, etc. and the same is implemented into our medical transcription cycle.

Our outlook towards client relationship, satisfaction, fair and ethical business practices that we follow induces our clients to rely on our medical transcription services and look for an everlasting business relationship. We have clients who were the first to give us the break with their business eight years back, and we see satisfied smiling faces in them and we take pride in maintaining that smile on their face for this long tenure.

The medical transcription team at ACCU-SWIFT can confidently say that our services are true to be believed and we welcome you to experience our high-end complete solutions and be a part of our highly satisfied clientele

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Our medical transcription services are backed by online Live Chat at every stage of our web-based patient chart management system, ACCU-CHART . We are always available to our medical transcription clients and prospective clients for support via US toll free 1-877 number. Our medical transcription services are very smoothly integrated from the time doctors dictate to the delivery of charts. We provide 24×7 access to our dictation servers, which are very user friendly and the doctors have the flexibility to dictate from anywhere at anytime. Please click here to know more about the process of medical transcription service at ACCU-SWIFT .

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5-Stars. Wow. Thrilling. Sumptuous.
Exotic. Ravishing. with Astonishing detail

review by Sunday Times, London

Over 12 million visitors to date
Views from the Taj Mahal’s Roof, Minarets Crypt
(areas normally closed to the public) –
– Includes 360 Panoramas, Movies, Photos,
Descriptive Narration, Maps, Music and Text –

Downloadable Assets (here) for School Projects
with integrated Text for Hearing-Impaired visitors

In December 1631, the fifth Mughal Emperor, Shah Jahan, commenced the construction of one of the greatest monuments of all time, the Taj Mahal. It is a mausoleum built in the memory of his beloved and favorite wife, Mumtaz Mahal, fulfilling one of the promises that he made to her as she lay on her deathbed:
To erect a monument to match her beauty.

Our online virtual tour enables visitors to interactively explore the UNESCO World Heritage Site , the Taj Mahal at Agra in India. Visitors may tour 22 different areas of the monument and gardens through 360 panoramas, maps, narrated mini-movies, music and text. A preview 360 panorama below a clickable map allows a quick view of any area. Having spotted something of interest, visitors can then click to open a window with a much larger and higher quality 360 panorama, and then zoom in and pan around for a detailed inspection. For example: To view the inlaid semi-precious stones on the Dome itself. At any point, visitors can view narrated mini-movies about the people, architecture, politics and history of the site (also includes full Text for the hearing-impaired).

An easy-to-follow map also ensures that, unlike a real tourist, our virtual tour visitors can jump around the gardens and monument with a single click. There are even exclusive 360 panoramic views taken from the Roof and in the Crypt of the monument – these areas are completely Off-Limits to the public. All of our panoramas have descriptive narration, music, integrated text for the hearing-impaired, and MS Word files with pictures.

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India’s per capita income rises to Rs 5,729 per month

India s per capita income, a gauge for measuring living standard, is estimated to have gone up 11.7% to Rs 5,729 per month in 2012-13 at current prices, compared with Rs 5,130 in the previous fiscal.

The estimated rate of growth in per capita income for the current fiscal, however, is lower than the previous fiscal when it grew by 13.7%.

The per capita income at current prices during 2012-13 is estimated to be Rs 68,747 as compared to Rs 61,564 during 2011-12, showing a rise of 11.7%, an official release by the Central Statistics Office (CSO) on Advance Estimate of National Income, 2012-13 showed today.

The per capita income in real terms (at 2004-05 constant prices) during 2012-13 is likely to attain a level of Rs 39,143 as compared to the First Revised Estimate for the year 2011-12 of Rs 38,037, it said.

The Gross Fixed Capital Formation (GFCF) at current prices is estimated at Rs 29.94 lakh crore in 2012-13 as against Rs 27.49 lakh crore in 2011-12, the release said.

However, at 2004-05 constant prices, the GFCF is estimated at Rs 19.44 lakh crore in the current fiscal as against Rs 18.97 lakh crore in the previous fiscal, it added.

The data also estimated an increase of 13.8% in the Government Final Consumption Expenditure (GFCE) to Rs 11.87 lakh crore at current prices for 2012-13 against Rs 10.43 lakh crore in 2011-12.

On Private Final Consumption Expenditure (PFCE) for the current fiscal, it has estimated an increase of 12.8% to Rs 57.06 lakh crore at current prices as against Rs 50.56 lakh crore in the previous fiscal.

These advance estimates are based on anticipated level of agricultural and industrial production, analysis of budget estimates of government expenditure and performance of key sectors like railways, transport other than railways, communication, banking and insurance, availbale so far, said the data.
These estimates have been compiled using the data on indicators available from the same sources as those used for compiling GDP estimates by economic activity, detailed data available on merchandise trade in respect of imports and exports, balance of payments, and monthly accounts of central government, it added further.

Mortgage Loans – find the best loan for your needs #mortgage #loans #india


3 types of mortgage loans for homebuyers

Homebuyers have a choice of loans

When it comes to getting a mortgage loan, homebuyers have fewer options than they had during the boom years. From the early 2000s until 2008, lenders were much more willing to float exotic loans based on risky terms, but they have returned to safe and sensible home financing.

Homebuyers hoping to jump into the mortgage market will find three basic types of loans, for the most part.

Fixed-rate mortgage

With a fixed-rate home loan, your interest rate remains the same for the life of the loan and the payment is split into equal monthly payments for the duration.

During the first few years, only a small portion of the payment pays off principal. Most goes to pay off interest.

“Fixed-rate home loans can be 10 years, 15 years or 20, but most popular is the 30-year because that makes your payment the lowest,” says Floyd Walters, owner of BWA Mortgage in La Canada Flintridge, California.

Adjustable-rate mortgage

Unlike a fixed-rate home loan, which sports an unchanging interest rate over the life of the loan, the interest rate on an adjustable-rate mortgage, or ARM, can change from year to year.

Hybrid ARMs, which are prevalent, feature aspects of both adjustable-rate and fixed-rate mortgages.

“Hybrid mortgages can be anything from a three-year, five-year, seven-year or 10-year fixed interest rate period,” says Mark Klein, executive vice president of Skyline Home Loans in Calabasas, California. After the fixed-rate period, the loan is amortized over the balance of the term with a rate that adjusts annually.

“The lender will say, ‘We will fix your interest rate at 4 percent for the next five years. At the end of five years, we will go out and find the value of one-year Treasury bills and add a margin to that and we will fix your interest rate on the loan for a year at a time based on that (index and margin),'” Walters says.

Typically, there will be a cap on the initial interest rate reset that is higher than all of the subsequent rate adjustments, and a cap on the amount the rate can change over the life of the loan.

Interest-only jumbo loan

© Ernest R. Prim/

For affluent homebuyers with irregular incomes, the interest-only mortgage jumbo product, as its name implies, allows the option of paying only the interest for the first few years of the loan.

“You can pay principal if you wish; interest-only is an option,” Walters says.

Today, interest-only mortgages are mostly jumbo loans. In the country’s highest-cost housing markets, a jumbo loan is a mortgage for more than $625,500.

Interest-only loans are structured like an adjustable-rate mortgage. The interest-only period lasts for the first five, seven or 10 years. After that, the rate typically adjusts annually, and the borrower pays principal, as well as interest.

“When it resets, your payments can go up pretty significantly, even if the interest rate doesn’t change that much,” Klein says.

No matter what kind of loan gets you into a home, do your homework beforehand and make sure there are no details about the mortgage loan you don’t understand.

More On Mortgages:

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Welcome To The Course!

The 23rd International Course in Modern Rhinoplasty Techniques has been very successfull and we are looking forward to the next course which will be on October 25-27th 2017. The teacher of honour will be Andrew A. Winkler, MD, FACS, Associate Professor University of Colorado School of Medicine, USA.

The course is offered for continuing medical education of residents, fellows and practicing physicians. The faculty will lead the participants from the consultation to the management of the most challenging rhinoplasty procedures. This will be accomplished with didactic lectures, expert panels, live surgery and a hands-on fresh frozen cadaver dissection lab.

Come join us in Amsterdam!

In affiliation with the European Academy of Facial Plastic Surgery (EAFPS )
The course is under auspices of the ERS .

Academic Medical Center Amsterdam, The Netherlands

Photo: Participants from 25 different countries, 23th Course 2016. Teacher of Honour: Dr. S. Mark Taylor MD, FRCS(C), FACS.
Click on image for larger view!

21th Course 2014 impression

In affiliation with the EAFPS

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Office shifting

As a leading name in office relocation solutions, we are well positioned to handle any kind of relocation. Our professionals undertake the task in a meticulous manner aided by latest packing and moving technology instruments.

Before approaching the task, our team plan and conduct briefings to get a feel of your requirements. The packing is done in an organized manner using appropriate packing material to prevent any kind of losses and misplacing of important official documents/equipments. A well-charted coding system efficiently moves all your office files, equipment and furniture to their correct places at the new location.

Showroom shifting

Trivandrum Packers and Movers is a professional, experienced moving company serving all of your relocation needs in Pune, and around the globe for household shifting ,Office shifting.Whatever you�re packing,transport, storage or delivery needs. we have highly trained teams ready to provide you with superior packer & mover service Pune, Trivandrum Packers and Movers is a fully licensed and insured moving company in pune,that offers local and interstate, residential and light commercial moving services. In addition, we also offer long- and short-term storage in our climate-controlled storage facilities when needed.

Car transportation

We are one of the leading Car Transportation company in India with a fleet of 25 Car Carriers Vehicles having an expertise in the car transportation service, Trivandrum Packers and Movers are efficient in transporting your valuable car to anywhere in India. This is possible as we are having our own fleet of trucks; car carriers assuring you safest and complete scratch free car transportation. Car Carriers are specialized truck designed for transporting cars from one city to another with the help of our experienced staff delivering such kind of services since years.


Insurance coverage is a must while sending household goods. In-spite of the best packing and safe transportation, factors beyond our control like accidents, fire, sabotage, riots etc can result in damages to the goods.

The commonly known insurance is the �Transit Insurance� where the premium comes to 1.2% on declared value. Here the compensation towards damages/loses are paid only if the vehicle meets with an accident. Hence if there is no accident to the vehicle no claim for compensation can be made.

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