Medical inflation, lifestyle diseases make critical illness insurance a must: Here's how to buy it

THE ECONOMIC TIMES Tue, May 30, 2017 | 06:33 AM IST ET Wealth Newsletter

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Medical inflation, lifestyle diseases make critical illness insurance a must: Here's how to buy it Rising incidence of lifestyle diseases and high medical costs make it imperative to buy critical illness cover. Here's how you can keep yourself safe. Your personality impacts how your money grows ET Wealth looks at the traits of each personality type to understand how investors behave in the market and how that behaviour impacts their money. Are you financially prepared to face a medical emergency? Are you financially prepared to fund a medical exigency? Take this quiz to find out if you are well prepared in case critical illness strikes. From our Partners Is your company making an impact on society? Read to find out How 2Good4Good establishes gold standard in ratings for CSR programs From our Partners Why is everyone talking about affordable housing? India's urban population is growing at an average 2.1% every year since 2015. How GST impacts FMCG firms The FMCG companies, whose tax incidence has come down under the GST regime, are likely to pass it on to the consumers in the form of lower prices. 7 big screen smartphones on a budget While there are other options in the sub Rs 10,000 range that come with 6-inch screens, most are older models that run Android 5.1 or below. Why employers are not keen on 'work from home' A survey finds that 90% of employees are keen on such policy at work whereas 40% employers feel it leads to lack of control. HSBC survey finds out why retirement is worrying millennials and what they are doing about it As per the survey 65% of the millennials are concerned that they will run out of money in their twilight years. From our Partners Toshiba, committed to 'Make in India' and 'Export from India' Toshiba, committed to 'Make in India' and 'Export from India' From our Partners How Mumbai's Dabbawalas are leveraging tech by offering digital services With the world and India taking digital leaps, the dabbawalla's too have found the need to embrace technology and offer click-based services.

Financial Calculators Tax Impact Calculator This tax calculator will help you estimate your tax liability. Just input your personal income details and know how much you would be liable to pay. Home Loan Refinance Should you refinance your home loan? Use this calculator to find out if it is worthwhile to shift your home loan to another bank? Just enter the data and click next. It's that easy. More Calculators

Dreaming of an exotic vacation? Learn to save for it first We all dream of exotic travel experiences, but it costs money. A sensible budget and some judicious asset allocation can fund your holidays year after year. Should the EPFO reveal its investment portfolio? Here are 3 expert views ET Wealth asks three experts if the EPFO should revamp its investment disclosure norms and declare details of its portfolio on a regular basis. Don't be misled by false impressions about NAVs, dividends of mutual funds If someone tries to sell you a fund with the lure that it pays a lot of dividends, you can be sure that they are trying to misguide you. Fourth quarter corporate results better than expected Since the remonetisation exercise was completed only in second half of the 4th quarter, market participants were expecting a bigger negative impact. Stock pick of the week: Why analysts feel PI Industries will grow fast Strong fundamentals, impressive revenue and net profit growth over past six years, strategic tie-ups, and moderate valuations have made it analysts' top pick. HDFC Tax Saver Fund: Lagging its peers The fund has outperformed benchmark and category average returns in 10 year period while lagging behind in 3 and 5 year periods. Financial sector IPOs to look out for in FY 2017-18 UTI Mutual Fund, SBI Life, New India Assurance and General Insurance Corporation of India and HDFC Life are among the companies that are looking to go public. Tax optimizer: How Prakash can cut tax further in tax-friendly salary structure Prakash,31, should invest in NPS and opt for aggressive lifecycle fund to plan for retirement and minimize his tax outgo by almost Rs 48,000. Should you choose women-only banking products? Carefully read the literature on women-oriented products to see if there are any special benefits available to them compared to standard accounts. GST likely to reduce inflation: Siddhartha Bothra, Motilal Oswal AMC Most primary articles and food categories have been assigned lower tax rates, which would reduce CPI inflation, Siddhartha Bothra tells ET Wealth. How to transfer EPF online A not-so-good hike may prompt you to look for greener pastures elsewhere. When you move to another company, you'll need to transfer your EPF as well. Family Finance: Noida couple need to invest aggressively to meet their goals For Noida based Rajat & Shweta Gupta, 33 & 31, Salaried, aggressive savings and investment will make them reach the goals with ease. 5 smart things to know about risk-return trade-off Asset allocation is the formal process of constructing a portfolio that meets the risk and return requirements of the investor. Startup Nodd helps professionals network online and offline Mumbai-based Nodd is an app-based networking platform helping people discover and meet like-minded people through curated experiences, using data analytics. Upskilling could help techies survive layoffs: 5 case studies tell you how There are courses and certification programmes such as data science and analytics, machine learning that can help you acquire the latest technological skills. Alternative investment returns monitor: For the week ending May 25, 2017 The scope and attractiveness of alternative investments is increasing. Here's a weekly tracker of returns from such investments.

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News Digest: Naga accord framework cannot be disclosed: CIC

		THE TIMES OF INDIA
		Tuesday, May 30, 2017
		Today's Headlines

		India
		Naga accord framework cannot be disclosed: CIC Information seeker Nayak claimed that a press release after the agreement was signed had said the "details and execution plan" would be released shortly.But even after 18 months, the information was still not out. 'Development, equity, transparency driving reforms' Congress self-goal gives BJP advantage in slaughter row Reacting angrily to the public slaughter of a calf in Kerala by Youth Congress leaders, BJP launched a scathing attack on the opposition party and termed the act "shameful and provocative". More India News»

		Business
		RCOM seeks deferment in loan re-payments till Sept Anil Ambani's Reliance Communications (RCOM) has approached lenders and bond holders to defer loan re-payments till at least September 30 so that it can finalize two deals. RCOM is also seeking buyers for two prime office complexes as it looks to tackle a mounting debt pressure. India will grow at 7.2% in 2017-18, says World Bank World Bank expects India, the fastest growing major economy in the world, to grow at 7.2 per cent in the current fiscal and further up to 7.7 per cent by 2019-20 on strong fundamentals, reform momentum and improving investment scenario. Market at new closing highs, Nifty ends above 9,600 Extending its record-breaking run for the third day, the benchmark Sensex on Monday surged to close at a new life high of 31,109 while the Nifty ended above 9,600 for the first time ever as ample liquidity pushed up buying. More Business News»

		Environment
		South Africa's 'lion whisperer' gets up close with big cats Richardson hopes his hands-on stunts with lions will highlight the plight of the African predator, whose numbers have dwindled. It also thrusts him into a sensitive debate about human interaction with lions; some conservationists say Richardson's message is sound and sincere, but note the limits of what he can do to address big-picture problems facing the vulnerable species. New species of 'see-through' frog discovered Public aquaria, dog breeding registry now a must All aquaria in public areas or shops selling fish for aquariums anywhere in the country will have to get registered and follow certain do's and don'ts to ensure that these aquatic creatures are kept in hygienic conditions. More Environment News»

		World
		Trump has 'weakened' the West, hurt EU interests: German FM "Anyone who accelerates climate change by weakening environmental protection, who sells more weapons in conflict zones and who does not want to politically resolve religious conflicts is putting peace in Europe at risk," German Foreign Minister Sigmar Gabriel said. Putin visits France, hopes to mend strained ties with West French President's invitation for Putin was a surprise after his tough stance on Russia during the French presidential campaign, which contrasted with his rivals, who both backed ending Western sanctions against Moscow over the Ukrainian crisis. Donald Trump: Different strokes More World News»

		Entertainment
		It's time for 'Baahubali: The Lost Legends' The highest grossing films ever in the history of Indian cinema is now set to make its television debut as an animated series Pic: Lisa Haydon shares a glimpse of new-born son Zack ‘Queen’ actress Lisa Haydon took the standards set up by yummy mummy Kareena Kapoor Khan to an all new level as she posed for a bikini photoshoot with her baby bump. Salman has yet again created a masterpiece More Entertainment News»

		Science
		5 cups of coffee daily may keep liver cancer at bay The study, published in the journal BMJ Open, showed that the more coffee consumed, the greater was the protection against hepatocellular cancer (HCC) - the second leading cause of cancer death globally. June 5 launch of 'fat boy' to pave way for manned mission The launch of indigenous rocket GSLV Mk III, which is said to be as heavy as 200 fully grown elephants, on June 5 would pave the way for India’s first manned mission as it would make Isro capable of sending humans into space. Get ready! India's own GPS set to hit the market early next year From next year, if you ever lose your way in any part of the country or anywhere in the Arabian sea, 'NavIC' will come to your rescue and help you find your bearings. Yes, India's very own desi Global Positioning System is operational and is set to hit the market for public use in early 2018. More Science News»

		Sports
		In English conditions, all-out aggression may not work: Kedar Kedar Jadhav is naturally excited about featuring in his first ICC event but is fully aware that his all-out aggressive approach won't work in English conditions. No outcome from meet; BCCI unlikely to pay PCB The meeting between the top BCCI and PCB officials in Dubai ended without any conclusive outcome after the Indian government on Monday refused to give clearance for any bilateral series with Pakistan. Djokovic makes winning French Open start on Agassi's watch Defending champion Novak Djokovic enjoyed a winning French Open start under new coach Andre Agassi on Monday, cruising past Spain's Marcel Granollers 6-3, 6-4, 6-2 in the first round. More Sports News»

		Technology
		Migration to 5G will be challenging for India: Experts Even if 5G is available by 2020, a good network cannot be expected unless there is a reliable and strong system called backhaul in India, say experts. 10 smartphones set to launch in India soon So, all those planning to buy a new smartphone there's will be choices galore. For many of these smartphones are set to hit Indian shelves in the coming months. Here are 10 from the list ... Indian IT industry is alive and kicking: Tata Group chief N Chandrasekaran Indian investment in tech is only set to rise with number of initiatives like Digital India, which the government estimates will swell to $1 trillion by 2024. More Technology News»

		Education
		CBSE not to mention grace marks on marksheets CBSE students, who are short of a mark or two to pass and are awarded grace marks, have a reason to rejoice as the board has decided not to mention it on the marksheets. Last month, it decided to mention grace marks on the marksheets besides scrapping the moderation policy. Study less but be dedicated, say this year's CBSE Class XII toppers CBSE 12th Result 2017: CBSE Class XII pass percentage dips, Noida girl Raksha Gopal tops with 99.6% The Central Board of Secondary Education (CBSE) announced the results for Class XII after uncertainty prevailed for over a week leaving students anxious. Raksha Gopal, a student of Amity International School, Noida has topped the Class 12 exams 2017 with 99.6%. More Education News»

		Mumbai
		Mumbai boy bags 2nd rank at ICSE, more students score above 90% At 99.25%, Mumbai girl gets second rank at ISC Rishika Dhariwal, a humanities student of Jamnabai Narsee School, Juhu, bagged the second position in the country, along with three other students, in the ISC exams. The results were announced on Monday. Woman, paramour, 4 others cleared of killing her boyfriend Three years after being accused of killing her 31-year-old boyfriend with the help of others, a woman and her five co-accused, including another paramour, were acquitted as the prosecution could not prove that the victim, whose body was recovered from the Manor river in 2014, had been murdered. More Mumbai News»

		Delhi
		Cops hunt for e-rickshaw driver's killers as relief pours in More than forty-eight hours after an e-rickshaw driver was lynched by a group in north Delhi for allegedly protesting against a couple of them urinating in public, police are yet to identify the culprits. With cops on his trail, teen kidnapper ends life Scared of going to jail, Akshay allegedly hung himself from the ceiling at his friend’s house just before the cops were to arrest him. His body was later found by his friend’s mother, who the alerted the cops. Four vehicle thieves arrested, 11 sedans, SUVs recovered More Delhi News»

		Bangalore
		Four houses damaged near JC Road as well 70 families move out of their homes as apartment blocks develop cracks Why a well drying up has Bengaluru-Mysuru worried More Bangalore News»

		Hyderabad
		Tiff over TV remote: School girl ends life Tiff over TV remote: School girl ends life Following a tiff with her brother over the TV remote, a 13 year old girl hung herself at their house in Nizampet on Sunday night. Trying to win over a woman, engineer had a fatal fall More Hyderabad News»

		Chennai
		University of Madras hikes exam fee IIT-M students hold beef festival No stamping of cabin bags at Chennai airport from June 1 More Chennai News»

		Ahmedabad
		'Victims initiated attack' Two secret witnesses in the 2002 Naroda Gam massacre case testified in court on Monday that two victims - a man and his son, had chased the mob while brandishing a pipe and a knife on the day of the incident on February 28, 2002. After that, the mob gathered again at Naroda Gam and killed both of them by pelting stones at them. NSE to inaugurate its global exchange at GIFT IFSC on June 5 NSE IFSC Limited, a subsidiary of the National Stock Exchange of India (NSE), will inaugurate its international exchange in Gandhinagar on June 5. Ramodiya brothers' case transferred to NIA Nearly three months after two ISIS suspects, Waseem and Naeem Ramodiya, were arrested by Gujarat ATS from Rajkot and Bhavnagar, the Union home ministry has transferred the probe to National Investigation Agency (NIA). Sources said NIA’s Mumbai unit has registered an FIR and will shortly take charge of the probe. More Ahmedabad News»

		Allahabad
		75% examinees passed this year Among the students who appeared for the examination, 75.06% managed to pass this year.15,340 students will have to appear for compartment examination and 14,079 were unable to pass the examinations. Do things differently: Mantra for success Doing things differently and not doing different things was the success mantra for the toppers of CBSE, the results of which were announced here on Sunday. Roads shrink as vendors eat into footpaths, dividers A roadside vendor calls out to a customer, who just moved on to the other shop, after a series of negotiations. His two-wheeler parked in the middle of the road in a haphazard manner, brazenly flouts all traffic norms. More Allahabad News»

		Bhubaneswar
		Hundreds of CBSE class XII students allege marks goof up after results withheld in Odisha A day after results of over 13,000 students remained withheld by the Central Board of Secondary Education (CBSE), hundreds of students on Monday alleged major goof up in marks in class XII. Girls outshine boys in ICSE and ICS results in Odisha Girls outshone boys in Odisha in the Indian School Certificate (ISC) class-XII and the Indian Certificate for Secondary Education (ICSE) class-X results declared by the Council for Indian School Certificate Examination (CISCE) on Monday. Sunstroke toll rises to 16 in Odisha Sunstroke toll climbed to 16 in Odisha on Monday even as rains and a nor'wester in some areas brought respite from intense heat in the state. More Bhubaneswar News»

		Bhopal
		Toppers stayed focus, took drop to crack CLAT Major rejig in state bureaucracy on cards 2 held with 54 fine quality Rs 2000 fake notes in Gwalior More Bhopal News»

		Chandigarh
		Mining row: Captain orders probe, Rana Gurjeet Singh offers to quit The government has ordered a judicial inquiry by Justice (Retd) J S Narang into allegations that the bidders were fronts for Gurjeet.Justice Narang has been asked to complete the probe in a month. Manish Tewari sets eyes on Chandigarh Congress comeback This is an important development also because Chandigarh Congress's internal polls are due in September where a new team of president, vice-presidents and other office-bearers will be appointed. Congress out to trigger communal unrest in country: Punjab BJP More Chandigarh News»

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