Do You Know Every ATM Card Holder in India Gets Free Insurance Cover? Then is how!

 Do You Know Every ATM Card Holder in India Gets Free Insurance Cover? Then is how!

While we consider of ATM cards, the primary things that come up to to mind are convenience, ease of access to cash, and secure transactions. But did you know that being an ATM cardholder in India also give the right you to a free insurance cover? Yes, you study that right! Every ATM cardholder in the country is eligible for an insurance cover that can be a financial benefit in times of sudden emergency.

What Is the Free Insurance Cover?

The insurance cover linked with ATM cards is generally an exacting accident insurance policy. This means that if the cardholder suffers accidental death or endless disability, their family can receive a financial payment, frequently ranging from 1 lakh to 10 lakh, depending on the bank and type of card.

Who Provides This Insurance?

This insurance is normally provided by the bank that issued the ATM card, in collaboration with an insurance company. It's a group insurance policy that covers all eligible account holders, and the stylish part is that you do not have to pay any redundant premium for it. The cost is generally bear by the bank as part of its customer service offerings.

How Can You Avail of This Insurance?

While the insurance cover is automatic for highest ATM cardholders, there are a many important circumstances and steps to ensure you can benefit from it

1. Active Usage of the ATM Card : One of the crucial requirements is that the ATM card should have been used in a financial transaction within a particular period, frequently within 45 to 90 days before the claim. This can include withdrawing cash, making purchases, or any other transaction that shows the card is active.

2. Eligibility Criteria: The eligibility criteria can vary linking banks. Some banks may offer this insurance only to savings account holder, while others may extend it to current account holders as well. Some premium cards may also offer superior coverage.

3. Claim Process : In case of an unlucky event, the nominee or family member needs to approach the bank with the necessary documents, including a claim form, proof of the accident, death certificate( if applicable), and other applicable documents. The bank will also process the claim in organization with the insurance company.

Type of Coverage There is normally two types of insurance coverage provide

1. Accidental Death: if the cardholder dies in an accident, the insurance policy pays a lump sum amount to the nominee.

2 Permanent Disability: In case of Permanent disability due to an accident, the policy provides financial compensation to the cardholder.

Why Should You is apprehensive of this?

Many ATM cardholders in India are ignorant of this benefit, leading to available insurance amounts. By knowing about this facility, you can ensure that your family is financially secure in case of any unfortunate event. Also, being apprehensive of the conditions, like the necessity of an active card, ensures that you do not miss out on this coverage. It's a retired gem of a benefit that comes at no redundant cost, and knowing about it can give you peace of mind.

How to Check Your Insurance Coverage?

You can get in touch with your bank to inquire about the insurance coverage linked to your ATM card. maximum banks will be suitable to provide details about the coverage amount, the insurance provider, and the claim process.

Conclusion : ATM Card Holder in India Gets Free Insurance Cover ,The free insurance cover provided with ATM cards in India is a precious benefit that frequently goes unnoticed. By staying informed and ensuring your card is active, you can take full advantage of this safety net. It’s a simple yet important way to protect yourself and your family against unlooked-for accidents.

So, coming time you swipe your card, remember that it’s not just about transactions – it’s also about securing your future!

what is the most important thing to learn

 2024 -25 में पढ़ाई के अलावा सीखने के लिए सबसे जरूरी क्या है?Apart from studies, what is the most important thing to learn in 2024-25?

जैसे-जैसे हम 2024 में प्रवेश कर रहे हैं, यह पहचानना ज़रूरी है कि सफलता और खुशहाली सिर्फ़ अकादमिक उपलब्धियों से तय नहीं होती। पढ़ाई तो अहम है, लेकिन विकास के दूसरे अहम पहलू भी हैं जो आपके जीवन को काफ़ी हद तक प्रभावित कर सकते हैं। तो आइए जानें कि 2024 - 25 में आपको किन चीज़ों को सीखने को प्राथमिकता देनी चाहिए.what is the most important thing to learn

1. व्यावहारिक कौशल विकसित करें: आज की तेजी से विकसित होती दुनिया में, व्यावहारिक कौशल कम होते जा रहे हैं। पारंपरिक शिक्षा से परे, ऐसे कौशल हासिल करने पर ध्यान केंद्रित करें जो आपकी रोजगार क्षमता और विशेष विकास को बढ़ा सकें। इसमें डिजिटल ज्ञान, कोडिंग, ग्राफिक डिज़ाइन या खाना पकाने या वित्तीय नियोजन जैसे व्यावहारिक कौशल शामिल हो सकते हैं।what is the most important thing to learn ये कौशल न केवल आपको अधिक बहुमुखी बनाते हैं बल्कि आपको पेशेवर और विशेष दोनों तरह के अवसरों के लिए तैयार भी करते हैं।

2. साइबर धोखाधड़ी को समझें: डिजिटल प्लेटफ़ॉर्म पर बढ़ती निर्भरता के साथ, साइबर धोखाधड़ी के बारे में जागरूकता महत्वपूर्ण है। विभिन्न प्रकार के ऑनलाइन घोटालों, फ़िशिंग हमलों और अपनी विशेष जानकारी की सुरक्षा के तरीकों के बारे में जानें। अपनी डिजिटल उपस्थिति को सुरक्षित रखने के तरीके को समझना वित्तीय नुकसान से बचने और अपनी ऑनलाइन सुरक्षा बनाए रखने में मदद करता है।

3. अपनी दोस्ती का मूल्यांकन करें: आप जिन लोगों से घिरे रहते हैं, उनका आपके जीवन पर महत्वपूर्ण प्रभाव हो सकता है। मूल्यांकन करें कि आपके मित्र कौन हैं और वे आपको कैसे प्रभावित करते हैं। अपने आप को सकारात्मक, संभावनाशील व्यक्तियों के साथ घेरना आपके आंतरिक कल्याण और विशेष विकास में योगदान दे सकता है। ऐसी मित्रता विकसित करें जो आपके विकास को प्रोत्साहित करें और आपके मूल्यों के साथ संरेखित हों।

4. पैसे बचाने की तकनीक में महारत हासिल करें: वित्तीय ज्ञान एक स्थिर भविष्य की नींव है। प्रभावी ढंग से पैसे का प्रबंधन और बचत करना सीखना आवश्यक है। बजट बनाने के तरीके खोजें, निवेश की मूल बातें समझें और बचत योजना बनाएँ। most important subjects to learn in life ये कौशल आपको एक सुरक्षित वित्तीय नींव बनाने और पैसे से संबंधित अनावश्यक तनाव से बचने में मदद करते हैं।

5. झूठे प्यार को पहचानें और उससे बचें: रिश्तों को संभालना जटिल हो सकता है। वास्तविक प्रेम बनाम सतही संबंधों को पहचानना महत्वपूर्ण है। दोनों के बीच अंतर करने का ज्ञान महत्वपूर्ण और स्वस्थ संबंध बनाने में मदद करता है, जो भावनात्मक कल्याण के लिए आवश्यक हैं।

6. बेकार की बकबक से बचें: आज की दुनिया में, महत्वहीन बातचीत में उलझ जाना आसान है जो आपके जीवन में कोई मूल्य नहीं जोड़ती। सार्थक संवादों में शामिल होने पर ध्यान दें जो विशेष विकास में योगदान देते हैं या मजबूत संबंध बनाते हैं। समय कीमती है, और इसे उत्पादक बातचीत में निवेश करना अधिक संतोषजनक हो सकता है।

7. परिवार के साथ नियमित संचार बनाए रखें: मजबूत पारिवारिक संबंध भावनात्मक समर्थन और स्थिरता प्रदान करते हैं। नियमित रूप से परिवार के सदस्यों के संपर्क में रहना मुख्य चिंता का विषय है। यह न केवल आपके घरेलू बंधनों को मजबूत करता है बल्कि यह भी सुनिश्चित करता है कि कठिन समय के दौरान आपके पास भरोसा करने के लिए एक सहायता प्रणाली है।

8. नकारात्मक प्रभावों से दूर रहें: आप जिस संगत में रहते हैं, वह आपके व्यवहार और जीवन के प्रति दृष्टिकोण को प्रभावित कर सकती है। ऐसे लोगों के साथ बाहर जाने से बचें जो नकारात्मकता लाते हैं या खतरनाक व्यवहार को बढ़ावा देते हैं। ऐसे दोस्त चुनें जो आपको मज़बूती दें और आपके मूल्यों को साझा करें, जो आपके समग्र कल्याण को सराहनीय रूप से प्रभावित कर सकते हैं।

9. खुद की तुलना करने से बचें: दूसरों से अपनी तुलना करने के जाल में फंसना आसान है, खासकर जब सोशल मीडिया वास्तविकता का एक आदर्श संस्करण प्रस्तुत करता है। दूसरों द्वारा निर्धारित मनमाने मानकों को पूरा न करने के लिए खुद को दोष न दें। important thing to learn in trading हर किसी की यात्रा अनूठी होती है, और किसी दूसरे व्यक्ति से अपनी तुलना करना, चाहे उनके कई रिश्ते हों या कुछ और, केवल असंतोष की ओर ले जाता है।

10. प्रामाणिक बनें, सोशल मीडिया की नकल न करें: सोशल मीडिया अक्सर वास्तविकता के संशोधित संस्करण दिखाता है जो वास्तविक तस्वीर को प्रतिबिंबित नहीं कर सकता है। आप जो ऑनलाइन देखते हैं उसका अनुसरण करने की कोशिश करने से दूर रहें। इसके बजाय, खुद के प्रति वास्तविक और सच्चे होने पर ध्यान केंद्रित करें। अपने व्यक्तित्व को अपनाना और अपने मूल्यों और लक्ष्यों के आधार पर राय बनाना एक अधिक पूर्ण और वास्तविक जीवन की ओर ले जाएगा।

निष्कर्ष 2024 - 25 में पढ़ाई के अलावा सीखने के लिए सबसे महत्वपूर्ण बात यह है कि याद रखें कि सफलता और विशेष विकास अकादमिक उपलब्धियों से परे है। what is the most important thing to learn in life  व्यावहारिक कौशल विकसित करना, साइबर सुरक्षा को समझना, सार्थक संबंधों को बढ़ावा देना और वित्तीय स्थिरता बनाए रखना सभी संतुलित जीवन के महत्वपूर्ण तत्व हैं। अपने समग्र कल्याण को बढ़ाने और सफल भविष्य के लिए एक ठोस आधार तैयार करने के लिए इन क्षेत्रों को प्राथमिकता दें। इन पहलुओं पर ध्यान केंद्रित करके, आप एक अधिक पूर्ण और अच्छी तरह से गोल जीवन का निर्माण कर सकते हैं।

What is most important to learn in 2024 apart from studying?

 What is most important to learn in 2024 apart from studying?

As we move into 2024, it's essential to recognize that success and well- being are not solely determined by academic achievements. While studying remains pivotal, there are other vital aspects of particular development that can significantly impact your life. Then a guide to what you should prioritize learning in 2024

1. Develop Practical Skills : In today’s fleetly evolving world, practical skills are decreasingly precious. Beyond traditional education, focus on acquiring skills that can enhance your employability and particular growth. This might include digital knowledge, coding, graphic design, or indeed practical skills like cooking or financial l planning. These skills not only make you more protean but also prepare you for a range of opportunities in both professional and particular surrounds.

2. Understand Cyber Fraud : With the growing reliance on digital platforms, awareness of cyber fraud is pivotal. Learn about different types of online scams, phishing attacks, and ways to protect your particular information. Understanding how to safeguard your digital presence helps in avoiding financial l loss and maintaining your online security.

3. Evaluate Your Friendships : the people you surround yourself with can have a significant impact on your life. Assess who your friends are and how they influence you. Surrounding yourself with probative, positive individuals can contribute to your internal well- being and particular growth. Cultivate friendships that encourage your development and align with your values.

4. Master Money- Saving Techniques : financial l knowledge is a foundation of a stable future. Learning how to manage and save money effectively is essential. Explore budgeting ways, understand the basics of investing, and create a savings plan. These skills help you build a secure financial l foundation and avoid gratuitous stress related to money.

5. Recognize and Avoid False Love : Navigating relationships can be complex. It’s important to recognize genuine love versus superficial connections. knowledge to differentiate between the two helps in forming important and healthy relationships, which are essential for emotional well- being?

6. Avoid Useless Chatter : In today’s world, it’s easy to get fixed up in unimportant conversations that do not add value to your life. Focus on engaging in meaningful dialogues that contribute to particular growth or make stronger relationships. Time is precious, and investing it in productive conversations can be more satisfying.

7. Maintain Regular Communication with Family : Strong family connections provides emotional support and stability. Make it a main concern to stay in touch with family members regularly. This not only strengthens your domestic bonds but also ensures that you have a support system to rely on during grueling times.

8. Stay Away from Negative Influences : the company you keep can influence your behavior and outlook on life. Avoid execution out with individuals who bring negativity or encourage dangerous behaviors. Choose friends who strengthen you and share your values, which can appreciatively affect your overall well- being.

9. Avoid Self- Comparison : it’s easy to fall into the trap of comparing yourself to others, particularly when social media presents an idealize version of reality. Do not blame yourself for not meeting arbitrary standards set by others. Everyone’s journey is unique, and comparing you to someone differently, whether they've multiple relationships or else, only leads to dissatisfaction.

10. Be Authentic, Not a Social Media Copy : Social media frequently showcases curetted versions of reality that may not reflect the true picture. Keep away from trying to follow what you see online. Rather, focus on being genuine and true to yourself. Embracing your individuality and making opinions based on your own values and goals will lead to a more fulfilling and genuine life.

Conclusion As most important to learn in 2024 apart from studying , remember that success and particular growth extend beyond academic achievements. Developing practical skills, understanding cyber safety, fostering meaningful relationships, and maintaining financial l stability are all pivotal elements of a balanced life. Prioritize these areas to enhance your overall well- being and set a solid foundation for a successful future. By focusing on these aspects, you can build a more fulfilling and well- rounded life.

Why Do Medical Representatives Negotiate rather of Offering Fixed Salaries?

 In the pharmaceutical industry, medical representatives play a pivotal role in promoting and selling medications to healthcare professionals. still, a common question arises why do medical representatives  frequently engage in bargaining rather than providing a straightforward sales pitch or offering products at fixed prices aligned with their salary expectations?

 This practice stems from several crucial reasons that are natural to the nature of the industry and the roles of the representatives.

1.       Complex and Competitive Market Dynamics 

 The pharmaceutical market is largely competitive, with multitudinous companies offering similar products. Medical representatives frequently face the challenge of unique their products from those of competitors. By engaging in negotiations, they can adapt their move toward to the specific needs and budgets of healthcare providers, thereby increasing the likelihood of securing a sale. This flexibility is pivotal in a request where pricing, rebates, and discounts play a significant role in decision- making. 

2.       Relationship Building and Trust 

 In the healthcare industry, relationships and trust are complete. Medical representatives aren't just selling products; they're building long- term partnerships with healthcare professionals. Accommodation allows representatives to show flexibility, responsiveness, and a enthusiasm to meet the wants of their guests. This personalized approach can lead to stronger relationships, fostering loyalty and repeat business. 

3.       Variable Product Value and Perception  

The value and insight of pharmaceutical products can vary considerably depending on the healthcare provider's specialty, patient demographics, and clinical outcomes. Medical representatives frequently need to navigate these variables and present their products' unique value propositions. Bargaining allows them to adjust pricing and terms based on the perceived value to the customer, making it easier to align the product's benefits with the customer's expectations and budget.  

4.       Incentive Structures and Sales Targets  

The compensation and incentive structures for medical representatives are generally tied to their sales performance. Representatives frequently have specific sales targets and proportions to meet, which can drive them to negotiate deals that will close the sale. The ability to offer abatements or adjust terms gives them the flexibility to achieve these targets, potentially increasing their earnings and career advancement prospects.

  Conclusion

 Here Why Do Medical Representatives Negotiate rather of Offering Fixed Salaries ? While the practice of bargaining might seem unconventional compared to fixed salary models; it's an essential aspect of the pharmaceutical sales process. It allows medical representatives to navigate a complex and competitive request, build strong relationships, and align product offerings with the specific needs of healthcare providers. In this industry, where trust and value perception are critical, the flexibility afforded by negotiation isn't just salutary but necessary for success.