Usually, the first thought that comes to mind when entering a hospital is how much lighter your wallet will be when you leave. In a high-tech world, medicine is at the forefront, and technology comes with a cost. It’s not uncommon for routine check-up bills to run into the thousands of dollars. A lengthy hospital stay will inevitably set you back hundreds of thousands of dollars. Having reliable comprehensive health insurance can save you a day and your wallet, at least if you’re in the hospital for treatment.

What is health insurance?

If you choose health insurance, your medical expenses will be covered by your insurance company and you will instead have to pay an annual membership fee called a “premium”. This can also be paid in monthly installments. Depending on which policy you choose and who provides it, health insurance protects your wallet by covering medical bills, hospital bills, ambulance bills, test bills, and other related costs. Some policies also cover lost earnings compensation.

Why should you have health insurance?

A WHO report outlines the need for expanded health insurance coverage in India, which is staggering as 68% of India’s healthcare costs are out-of-pocket (OOP). Also, only 18% of urban and 14% of rural India have health insurance. Getting health insurance at a young age is a wise decision as premiums are much lower. Please note that many policies do not cover pre-existing illnesses or illnesses that occur within 30 days of obtaining the policy, except for accidents.

If you do not yet have health insurance or are considering it, here is a list of reasons why you should recognize the importance of health insurance.

• Cashless treatment: All major health insurance companies have many popular hospitals in their networks, so-called network hospitals. When you get treatment at one of these hospitals, all you have to do is present your health insurance card (or just your insurance number), fill out a few forms if necessary, and then you’re all set. However, if you decide to go to an out-of-network hospital, you will have to pay for treatment and later apply for a refund. Cashless treatment is therefore one of the biggest benefits of health insurance. Because few people can arrange a large amount of money in a short period of time for medical purposes.

• Rising health care costs and illnesses: According to cancer statistics in India, there were 11,57,294 registered cancer patients in 2019. In the last 26 years, cancer incidence has almost doubled in India. Other life-threatening diseases such as tuberculosis and diabetes are also on the rise. With medical and treatment costs continuing to rise, look no further than why health insurance is a must.

• Free Health Checks and Additional Benefits: Many insurers offer their customers free health checks every year (but only if you haven’t filed a claim in the last few years). Some companies do). You are also eligible to receive a No Claim Bonus (NCB). H. If you do not have insurance other than outpatient insurance during the insurance period, the insurance amount will increase by a certain amount. In addition, ambulance costs, pre-hospital and post-hospital costs are some of the other benefits offered by insurance companies.

• Tax Incentives: Section 80D of the Income Tax Act provides tax incentives for health insurance premiums. Under the age of 60, INR 50,000 for parents under the age of 60 (INR 25,000 for self-employed persons, spouses and dependent children and INR 25,000 for parents), for parents over the age of 60 can claim a deduction of Rs 75,000. (Self-employed person, spouse and dependent children Rs 25,000 for her and Rs 50,000 for parents). In total he can claim a deduction of Rs 1,00,000 if both the individual and the parents are above her 60 years of age.

• Peace of Mind: Well-planned back insurance can be a great peace of mind, especially when life-threatening diseases have increased at an alarming rate in recent decades. It can save you and your family during a medical emergency, and most importantly, one less thing to worry about in your busy daily schedule.

Now that you understand the importance of health insurance, let’s take a look at what to consider when choosing health insurance.

Points to note when looking for health insurance 

• As mentioned above, it is better to get health insurance when you are young. Insurance premiums tend to increase with age, as does the risk of health problems.

• Look for insurance that covers terminal illness. These are the things that weigh most on our finances, so it makes no sense not to include them in the covered list.

• Do not choose insurance with expensive copay clauses. Your copay is the part of your bill that you have to pay out of your own pocket in the event of a claim. The insurance company will pay the rest according to the terms of the policy.

• You may select passenger/additional features related to health insurance to contribute to the overall insurance coverage network.

Types of Health Insurance

Compensation Plan: In this case, the patient pays a fixed amount for hospital expenses and the insurance company pays the rest of the bill. You can choose the doctor you want to see, and your insurance company doesn’t have to decide which hospital or whether you need to see a doctor. But this autonomy is only up to a point. In an emergency, emergency room admission still requires insurance clearance unless you are incapacitated. If you choose a coverage plan, first pay the full amount out of your own pocket and then request a refund. is needed.

Exclusive Provider Organization (EPO): Members of the EPO plan must use a defined network of physicians and primary care physicians (PCPs) who issue referrals to the network’s specialists for treatment. However, this condition does not apply in emergency situations. You will also be required to make a small donation yourself.

Point of Service (POS): Similar to EPO Pan, POS also offers PCP with a choice of network providers. In such cases, higher compensation is available. However, if you choose to go to an out-of-network hospital, you may be subject to a deductible (out-of-pocket) and have less insurance coverage. You may also need to prepay and then request a refund.

In summary, the importance of health insurance cannot be overestimated. Get health insurance for yourself, your spouse, your children, and your parents early.

 Health Insurance 

Usually, the first thought that comes to mind when entering a hospital is how much lighter your wallet will be when you leave. In a high-tech world, medicine is at the forefront, and technology comes with a cost. It’s not uncommon for routine check-up bills to run into the thousands of dollars. A lengthy hospital stay will inevitably set you back hundreds of thousands of dollars. Having reliable comprehensive health insurance can save you a day and your wallet, at least if you’re in the hospital for treatment.

 What is health insurance?

 If you choose health insurance, your medical expenses will be covered by your insurance company and you will instead have to pay an annual membership fee called a “premium”. This can also be paid in monthly installments. Depending on which policy you choose and who provides it, health insurance protects your wallet by covering medical bills, hospital bills, ambulance bills, test bills, and other related costs. Some policies also cover lost earnings compensation.

Why should you have health insurance?

 A WHO report outlines the need for expanded health insurance coverage in India, which is staggering as 68% of India’s healthcare costs are out-of-pocket (OOP). Also, only 18% of urban and 14% of rural India have health insurance. Getting health insurance at a young age is a wise decision as premiums are much lower. Please note that many policies do not cover pre-existing illnesses or illnesses that occur within 30 days of obtaining the policy, except for accidents.

If you do not yet have health insurance or are considering it, here is a list of reasons why you should recognize the importance of health insurance.

• Cashless treatment: All major health insurance companies have many popular hospitals in their networks, so-called network hospitals. When you get treatment at one of these hospitals, all you have to do is present your health insurance card (or just your insurance number), fill out a few forms if necessary, and then you’re all set. However, if you decide to go to an out-of-network hospital, you will have to pay for treatment and later apply for a refund. Cashless treatment is therefore one of the biggest benefits of health insurance. Because few people can arrange a large amount of money in a short period of time for medical purposes.

 • Rising health care costs and illnesses: According to cancer statistics in India, there were 11,57,294 registered cancer patients in 2019. In the last 26 years, cancer incidence has almost doubled in India. Other life-threatening diseases such as tuberculosis and diabetes are also on the rise. With medical and treatment costs continuing to rise, look no further than why health insurance is a must.

 • Free Health Checks and Additional Benefits: Many insurers offer their customers free health checks every year (but only if you haven’t filed a claim in the last few years). Some companies do). You are also eligible to receive a No Claim Bonus (NCB). H. If you do not have insurance other than outpatient insurance during the insurance period, the insurance amount will increase by a certain amount. In addition, ambulance costs, pre-hospital and post-hospital costs are some of the other benefits offered by insurance companies.

 • Tax Incentives: Section 80D of the Income Tax Act provides tax incentives for health insurance premiums. Under the age of 60, INR 50,000 for parents under the age of 60 (INR 25,000 for self-employed persons, spouses and dependent children and INR 25,000 for parents), for parents over the age of 60 can claim a deduction of Rs 75,000. (Self-employed person, spouse and dependent children Rs 25,000 for her and Rs 50,000 for parents). In total he can claim a deduction of Rs 1,00,000 if both the individual and the parents are above her 60 years of age.

 • Peace of Mind: Well-planned back insurance can be a great peace of mind, especially when life-threatening diseases have increased at an alarming rate in recent decades. It can save you and your family during a medical emergency, and most importantly, one less thing to worry about in your busy daily schedule.

 Now that you understand the importance of health insurance, let’s take a look at what to consider when choosing health insurance.

 Points to note when looking for health insurance 

 • As mentioned above, it is better to get health insurance when you are young. Insurance premiums tend to increase with age, as does the risk of health problems.

 • Look for insurance that covers terminal illness. These are the things that weigh most on our finances, so it makes no sense not to include them in the covered list.

 • Do not choose insurance with expensive copay clauses. Your copay is the part of your bill that you have to pay out of your own pocket in the event of a claim. The insurance company will pay the rest according to the terms of the policy.

 • You may select passenger/additional features related to health insurance to contribute to the overall insurance coverage network.

Types of Health Insurance

Compensation Plan: In this case, the patient pays a fixed amount for hospital expenses and the insurance company pays the rest of the bill. You can choose the doctor you want to see, and your insurance company doesn’t have to decide which hospital or whether you need to see a doctor. But this autonomy is only up to a point. In an emergency, emergency room admission still requires insurance clearance unless you are incapacitated. If you choose a coverage plan, first pay the full amount out of your own pocket and then request a refund. is needed.

 Exclusive Provider Organization (EPO): Members of the EPO plan must use a defined network of physicians and primary care physicians (PCPs) who issue referrals to the network’s specialists for treatment. However, this condition does not apply in emergency situations. You will also be required to make a small donation yourself.

 Point of Service (POS): Similar to EPO Pan, POS also offers PCP with a choice of network providers. In such cases, higher compensation is available. However, if you choose to go to an out-of-network hospital, you may be subject to a deductible (out-of-pocket) and have less insurance coverage. You may also need to prepay and then request a refund.

In summary, the importance of health insurance cannot be overestimated. Get health insurance for yourself, your spouse, your children, and your parents early.

Why students need career guidance?

Today, there are more than 250 profession alternatives, and we need career assistance to determine which one is ideal for us. Here are some reasons why it’s crucial for pupils.

A counselling service called career guidance was created to assist students in selecting the best career path based on their academic and professional preferences. It is a qualitative and quantitative evaluation of the potential job alternatives based on the knowledge, skills, information, and experience.

There is a lack of awareness and knowledge about the many profession opportunities available to children in India once they graduate from high school. The practise of consulting a career advisor is seldom ever practised.

A recent poll found that 93 percent of pupils were only aware of ten or fewer professional alternatives, such as engineering, medical, law, finance, and information technology. In contrast, there are currently over 250 different professional paths available. In other words, the majority of students have very little knowledge of a wide range of professional alternatives.

Get help from a career counsellor

A career advisor or counsellor is skilled at analysing students’ skill sets and areas of interest and making thoughtful recommendations that take the best of both worlds into account.

In order to determine the elements impacting a person’s professional interests, abilities, and values, the career adviser uses career interest or aptitude tests as part of the discovery process. In essence, a career advisor helps each student develop attainable professional goals.

Finding resources and sources of career information, tips for writing resumes, methods for preparing for interviews, and the fundamentals of networking are all advantages for students who seek out professional assistance from a career counsellor.

India needs more than a million counsellors.

The ratio of counsellors to students, which is generally thought to be 1:250, is 1:3,000 in India, which represents a significant gap.

However, it also creates a significant potential for career counsellors, especially given that 93 percent of Indian schools lack a specialised professional counsellor.

The 350 million students in India require at least 1.4 million career counsellors to match the ratio of students to counsellors that is considered to be appropriate around the world, according to the Annual International Career and College Counseling Conference, which was held in 2018.

In order to address the gap left by counsellors, we must immediately develop policy, systemic, and infrastructure alignment. This is crucial to help students choose the correct careers, resulting in a productive, diverse, and distributed workforce that supports the development of the country.

Here, innovations and technical advancements will be crucial.

Counsellor education and licencing

To develop more than a million counsellors in India, training and certification of counsellors is another essential component.

This will solve the acute deficit as well as quality and uniformity. If school administrators, principals, and instructors are included as part of the training strategy’s surrounding ecology, it may be more successful.

What’s way ahead?

One of the most important adjustments that can be made to our educational system is to include career counsellors who are knowledgeable in guiding candidates towards their ideal profession in all career guidance programmes.

The mainstreaming of counselling should emphasise a 360-degree, “future-ready” approach outfitted with cutting-edge tools and technologies to include all stakeholders in the counselling process, including teachers, students, and parents.

By giving young people the opportunity to contact with industry specialists who can serve as the greatest “practical” career advisers, the industry may also play a significant role in assisting young people with their career aspirations.

As an illustration, a doctor may meet the students at the school and discuss the advantages and disadvantages of being a doctor with them. Experts from other industries, such as engineering, retail, or even the military forces, can also visit schools to inform children about the advantages and difficulties of their respective fields.

As an alternative, student visits to businesses can be quite helpful in giving them a perspective on various industries. Additionally, it makes it possible for educational institutions to easily engage with business.

In India, the moment is right to spread the word about career counselling and coaching. Every school and institution should have qualified career counsellors on staff who can plan company visits and hold frequent sessions with students about various career options.

The future success and happiness of kids, families, schools, and the community depend on career guidance and counselling in this area!

A professional learning opportunity known as an internship provides students with relevant, hands-on work that is connected to their area of study or career interest. A student can explore and enhance their career while learning new skills through an internship. It gives the business the chance to cultivate talent, bring in fresh perspectives and vigour, and perhaps even create a pipeline for future full-time workers.

An excellent internship:

– Consists of a part- or full-time work schedule with no more than 25% of the time spent on administrative or clerical tasks.

– Gives a detailed account of the work experience’s job or project.

– Introduces the student to the company, its culture, and the suggested job (s).

– Assists students in setting and achieving learning objectives.

– Offers the learner continuous feedback.

What distinguishes a research experience from an internship and cooperative education (co-op)?

Internships are professionally supervised, structured learning opportunities that give you the chance to get useful job experience in the area of study that you have selected. For internships, a minimum of 120 hours are needed (typically, at least 10 hours per week during the fall and spring and either part-time or full-time during the summer).

Co-ops are compensated positions that mandate full-time work during the academic term and full-time academic study for at least two semesters on alternate semesters. After graduation, students are frequently—but not always—offered full-time employment with the company. Although co-ops are uncommon at UMBC, some students are interested in them as practical learning opportunities. We advise communicating with a member of our staff if you are interested in a co-op so that you can create a structure for the experience that will be the most practical for our students.

Opportunities for research exist both on and off campus. These experiences provide a special approach to learn more about a student’s academic interests and to take into account the potential role that graduate school might play in future career paths. These encounters might be financially supported by institutions like the National Science Foundation (NSF).

Internships for students:

– To develop actual work experience and give the company useful support. They reject being gophers!

– Must have a mentor who offers advice, feedback, openness, and professionalism as an example.

– To advance one’s knowledge and abilities in a certain profession.

– To establish business relationships.

to become more visible to senior management.

– To be given an introduction to the organisation they are interning for. The student is given information on the company’s policies, rules, and procedures as well as its mission and goals. The intern is also introduced to other workers that they might ask questions of in the future.

Advantages of Employing an Intern:

– Reduce the regular employees’ workload.

– Allow staff to concentrate on higher-level responsibilities.

– Fill temporary staffing gaps.

– Deliver “Priority C” tasks and projects.

– Use an economical employment approach

gaining access to kids with strong motivation who can satisfy staffing needs Finish finite projects.

– Create a funnel for potential workers.

– Prepare the workforce of tomorrow.

– Bring energy and new thoughts to your company.

– Give pupils opportunity for real-world learning.

– Take advantage of students’ knowledge of technology and social media.

 key skills for professionals

people in India always looking for a high-paying job but they struggle with it because of deprived of skills that are in demand as demanding skills pays more than the old one because the company searches also looked for new talent with updated skills so here the difference comes between the salary and in growth opportunities so today we will discuss some skills which are in demand and can opt as a professional.

High-paying skills  to have in 2022

1: Digital content creation:

As a digital marketer, you can work in any kind of niche and can create content for that . mostly work do by content creator is generating unique and plagrism free content which attract the users to read it and keep them engaging.

work done by digital content creator:

How to become digital content creator:

if you want to excel in this field then fistly you should choose the kind of content you want to adopt and then take course in audio production.

earning of digital content creator:

it depends with kind of content you are dealing with but a video editor earn around $120000 manually and as a podcast creator can expect around $75000 anually.

2: website design:

 every online business basic requirement is to have a good website which is well designed and functioning here the skills of website design comes . the web designer are the responsible for creating attractive and functional website which helps in build a business so if you are creative one and don’t occpy skills of coding don’t then its a good career option.

how to become web designer:

if you possess any degree in graphic design , computer science so you can easily opt this career .

earning of web designer:

3: Graphic designer:

if you have skills of graphic designing then it can give you a high paying salary. as a graphic designer you are responsible to designing the visual element in  offline and online ads. what are the common things a graphic designer do.

• create company profile
• logos
• website graphics
• ad graphics

how to become graphic designer:

you just need to enroll in a graphic designing course from any university. it  don’t need any kind of degree . if you can not afford the course then there are lots of free online course available where you can learn too.

earning of graphic designer:

Around $40000 after having experience $45000 .