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<ul><li><keyword id="6354446" type="General" weightage="20" keywordseo="BHEL" source="Orion">BHEL</keyword> is hiring ten young professionals in the area of Corporate Strategy Management Group.</li><li>The last date to apply for the opportunity is November 30, 2021.</li><li>Candidates selected for the post will be entitled to a monthly salary of ₹80,000 with reimbursement of the annual premium of ₹3,500 plus GST for mediclaim policy of the family.</li></ul><keyword id="534703" type="General" weightage="20" keywordseo="Bharat-Heavy-Electricals-Limited" source="Orion">Bharat Heavy Electricals Limited</keyword> (BHEL), a Delhi-based government-owned engineering and manufacturing enterprise is inviting applications for ten young professionals in the area of Corporate Strategy Management Group. The last date to apply for the opportunity is November 30, 2021. Candidates selected for the post will be entitled for a monthly salary of ₹80,000 with reimbursement of the annual premium of ₹3,500 plus GST for mediclaim policy of the family. The period of engagement will be one year from the date of joining, which can further be extended to one more year depending upon the completion of the assignment. However, the maximum tenure shall be limited to three years. Eligibility criteria for the role — <ol><li>Applicants should not be more than 30 years of age as of November 1, 2021. </li><li>Candidates should possess a postgraduate (PG) degree or two years of postgraduate diploma in management/engineering , which should be obtained from any of the IIMs or top 50 management institutes as per rankings released by MHRD under the National Institutional Ranking Framework (NIRF), with minimum 70% aggregate or CGPA of 7.0 out of 10. </li><li>The applicants should have a minimum of two years of work experience (as of 01st day of November 2021), which can be either prior or post to attaining a PG degree or a two-year PG diploma in management. </li></ol>The applications received by the company will be scrutinized by a committee and the shortlisted candidates may be then called for an interaction/interview, if required, by a duly constituted selection board. Job description <ol><li>Selected candidates shall assist the corporate strategy management group in supporting business incubation efforts by providing inputs regarding necessary study/research in new technological areas, the latest development taking place in advanced countries, and feasible technologies. </li><li>Scanning business opportunities in line with the country's investment plans and incentive schemes. </li><li>Monitor and evaluate progress in key targeted initiatives and need for modification in current policies/ practices of the company to achieve success in these initiatives. </li><li>Provide inputs for review meetings between top management for feedback and further implementation. </li></ol>How to apply for the opportunity? <ol><li>Candidates shall fill the online application form given at the official website of <a href="https://www.bhel.com/recruitment">BHEL</a>. </li><li>The application form should consists of the following:</li></ol>a) Letter of Interest (LoI) for the said position.b) Necessary documents to substantiate eligibility details as referred in the application form, including date of birth proof, PG &amp; graduation qualification, final mark sheet of PG (mentioning %ge or CGPA), and experience certificates. Other general rules and regulations — <ol><li>The applicant must ensure that the application form has the necessary documents/attachments. </li><li>No hard copy application shall be entertained. </li><li>Candidates/applicants, who have undergone any major punishment shall not be eligible </li><li>The attached documents shall be in legible form- i.e. the contents should be readable. Attachment of blurred/edited images will lead to disqualification of the candidature. </li><li>Applicants must keep their registered email ID active for at least 6 months as any important intimation/notice with regards to this notification shall be provided by the company through mail only. They are further requested to check their email for any communication from the company in this regard.</li></ol> SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/startups/news/used-car-startup-cars-24-not-in-a-hurry-for-ipo-like-droom-and-cartrade-com/slidelist/87743891.cms">INTERVIEW: The CEO of the biggest startup in the used car e-tail explains why he is skipping the 2021 IPO frenzy</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/tech/news/apple-is-reportedly-developing-sportskit-framework-to-bring-sports-content-on-its-tv-platform/articleshow/87750762.cms">Apple is reportedly developing “SportsKit” framework to bring sports content on its TV platform</a>

BHEL is looking for ten post grads under 30 for jobs with salary upto ₹80,000 per month

<keyword id="2747429" type="PERSON" weightage="20" keywordseo="Pradhan-Mantri-Suraksha-Bima-Yojana">Pradhan Mantri Suraksha Bima Yojana</keyword> (PMSBY) is a part of the three <keyword id="546206" type="PERSON" weightage="20" keywordseo="social-security-schemes">social security schemes</keyword> announced by the central government as part of the 2015 budget. This is an accident insurance scheme that provides an accident and disability cover for a period of one year and this can be renewed annually. Enrolment for the program This cover is for a period of one year between June 1 and May 31 of the subsequent year. The subscriber must give the option of joining the scheme by opting for auto renewal by May 31 of every year. Those who wish to keep the policy alive for more years must give their assent for auto debit before May 31 for the further years. Coverage offered by Pradhan Mantri Suraksha Bima Yojana (PMSBY) The PMSBY provides a risk cover of Rs 2 lakh in case of accidental death or permanent total disability. Rs one lakh is provided towards permanent partial disability. Permanent partial disability can be understood as the permanent loss of two eyes or both hands or feet or loss of an eyesight or the ability to use a hand or foot. The cover provided under PMSBY can be used in addition to any other insurance plan the subscriber has got. This is not a mediclaim kind of policy as it does not cover hospitalization expenses after suffering an accident which can result in a disability or injury. What it includes and excluded The PMSBY scheme covers accidents, death and disability due to natural calamities and other reasons. Death due to suicide is not covered by this scheme. Death due to murder is however covered. Partial disability without a permanent disability or loss of one hand or foot is not covered. Eligibility criteria All those persons who have a single or joint bank account and belonging to the age group of 18 and 70 years can join PMSBY <keyword id="6406875" type="UNKNOWN" weightage="20" keywordseo="life-insurance">life insurance</keyword> scheme. If the individual has multiple bank accounts with different banks, they can join the scheme through a single account only. A joint account entails all the account holders to join the scheme. Even NRIs can join the scheme. In the event of a claim by such persons, the benefit will only be settled in Indian currency. Premium amount payable The premium amount for this policy is only Rs 12 per person per year. This will be deducted from the individual’s bank account through auto-debit facility in a single installment on or before June 1 in a year. If the auto debit happens on any other date after June 1, the cover will start from the date of auto debit of the premium. If an individual has joined the scheme through multiple accounts, the benefit will only be disbursed through a single account with the other premiums being forfeited. Validity of the cover The accidental cover will automatically terminate in the following cases. The subject attaining the age of 70. Insufficient funds to keep the policy alive or closure of the bank account.

What you should know about the government’s accident and disability scheme

New Delhi, Feb 3 () The new lower income tax rates offered in the Budget 2020-21 will leave more cash in the hands of those who do not wish to make compulsory investments to save tax, said Revenue Secretary Ajay Bhushan Pandey.
 In an interview with , he said the Budget gives an option to individuals to migrate to a new regime by foregoing their existing exemptions and deductions for a lower tax rate.
 "We are not saying which one is beneficial, which one is not beneficial. We have provided an option. We have not put restrictions on anyone. This proposal can only benefit somebody and not harm anybody," he said. "So, in this whole proposal, not a single person will be loser."
 He said taxpayers have an option to stay with the current regime of getting a standard deduction of Rs 50,000 and investing Rs 1.5 lakh in saving schemes and pay 5 per cent, 10 per cent or 30 per cent tax depending on income levels.
 Alternatively, they can migrate to the new regime and pay lower tax rates without having to invest in any instrument to claim exemption, he said.
 In the new regime, 5 per cent tax is levied on an annual income between Rs 2.5 lakh and Rs 5 per cent. The tax rate rises to 10 per cent, 15, per cent, 20 per cent and 25 per cent for every Rs 2.5 lakh addition. A 30 per cent tax is charged for income over Rs 15 lakh.
 "Because the proposal is that we will continue the old scheme and if you find the new scheme attractive, you come or else you don't come. Therefore, there is no scope of confusion or worry," he said.
 Pandey said the taxpayer will have to choose between old and the new regime at the time of filing return for the next financial year, sometime in July 2021.
 "When you file I-T return, there will be a choice. If you say choice 1 then the return form in the new system will open and most of your application will be pre-filled. Then, you make appropriate changes and file I-T (return). If you choose the old system, then only that form will open. It is easier to pre-fill the form under new tax structures," he said.
 He said data show that out of the 5.8 crore individuals who filed income tax returns in the financial year 2018-19, 90 per cent claimed tax deductions of less than Rs 2 lakh, including deductions under Section 80C of the Income Tax Act (for provident fund, PPF, life insurance premium), Section 80D (mediclaim insurance), Section 80CCD(1B) (additional deduction for National Pension Scheme), deduction for housing loan interest and standard deduction.
 "I am not saying it (new scheme) will benefit everyone. It might benefit 30-40 per cent people. But, even if it is benefiting 30 per cent people then also it is a big thing," he said. "We are giving option to those people who are unable to avail exemptions or deductions. Who are these people -- somebody who has just joined job market, someone who has not decided to buy a house, he does not know how much will be savings, he might be putting little money in PF (provident fund) and insurance. He may find that depending on his income, this new scheme is better."
 Similarly, for senior citizens living on a pension and who do not have to buy a house or put money in PF, the new regime would be beneficial, he said.
 The new tax regime is also beneficial for small businessmen and shopkeepers who do not get the benefit of LTC or HRA. 
 "It is not that our objective was to provide benefit to each and every section of the taxpayer. We have provided option and that should be fine," he said adding the new tax rates would lead to a Rs 40,000 crore dent in government revenues in the next financial year.
 Individuals having an annual salary income of over Rs 13 lakh and availing deductions of up to Rs 2 lakh will save on their tax outgo if they opt for the new tax regime proposed in the Budget, government sources said on Sunday.
 For those earning a salary of Rs 12 lakh and less and availing deductions of up to Rs 2 lakh, the old tax system will be beneficial as the tax outgo will be less compared to the proposed new structure.
 While individuals with an annual salary income of Rs 13 lakh and above will pay Rs 1.43 lakh tax under the proposed tax structure; in the old regime, they would have paid a tax of Rs 1.48 lakh, thereby saving Rs 5,200, a source said.
 On a salary of Rs 14 lakh a year, savings would be Rs 10,400; and for those with an income of Rs 15 lakh and above, savings would be Rs 15,600, provided the deductions claimed are up to Rs 2 lakh.
 In the case of non-salary earners, who do not get a standard deduction of Rs 50,000, the new tax structure is beneficial for those earning Rs 9.5 lakh annually and availing deductions up to Rs 1.5 lakh. They would save Rs 5,200 in their annual income tax outgoing. JD ANZ HRS

New tax structure gives option to save tax: Revenue Secy

<keyword id="6355291" type="ORGANIZATION" weightage="20" keywordseo="Cancer">Cancer</keyword> is a word that we don’t like. It is a gruesome thought that you or your loved ones could get affected by this critical illness that dishevels the life of the affected. In a world where cancer is not limited to genes but can be attributed to any lifestyle vice, it is better to be safe than sorry in the future. There are now over 100 types of cancer that have been recognized to affect any part of your body. In India currently ten lakh people are diagnosed with cancer each year and around six lakh people lose their lives due to this incurable disease. It doesn’t end there- the fight against cancer is inflicted with high treatment costs that have increased substantially in the past few years. Many people spend all their life savings and take up loans to fulfill the cancer treatment costs. While a <keyword id="6354750" type="CITY" weightage="20" keywordseo="health">health</keyword> insurance is advised to combat against high health treatment costs, a comprehensive medical insurance against cancer is strongly recommended. A general health policy isn't enough A general health policy will usually pay only for inpatient hospitalization and for treatment at hospitals in India and the entire treatment cost is not covered. The end amount henceforth would not suffice for the high costs of cancer treatment. To overcome such financial limitations, the <keyword id="382096" type="PERSON" weightage="20" keywordseo="Critical-illness-insurance">critical illness insurance</keyword> is designed to cover medical expenses that your normal health insurance doesn’t cover. In case, you already have a health plan, a cancer plan would complement your existing health policy perfectly to ensure both hospitalizations and out of hospital expenses, which can be overwhelming. Some of the differentiated features of the critical illness insurance are: Affordable premium Amongst multiple EMIs and insurance premiums, you might be worried about how this policy will make a huge dent in your monthly budget. The good news is that a decent policy is quite affordable with high cover sum for relatively low premium. For example, a non-smoking 35-year-old male can get a Rs. 10 lakh cover for cancer for a monthly premium of about Rs. 287. You also have the option to opt for a larger cover cost which relieves you from additional hospital expenses like medication, doctor visits, et. al. A cancer treatment can spread over a few years and it makes sense to buy a policy while you're young because then the policy can run upto 40 years. This ensures that you're insured in all life stages and also reap more benefits from the policy. No sub-limits A cancer insurance policy provides the insurance amount on the first diagnosis of illness irrespective of actual amount spent on treatment to help you recover without worries, as opposed to a mediclaim or any reimbursement plan. This also prevents the hassle of applying for a cashless claim or getting reimbursements for what you've already paid, reducing inconvenience. The decision of which hospital to get treated in also becomes easier when you've got the entire cover at the time of detection. Planning smartly with a specialized insurance can help avoid a situation where the patients get treated at subpar facilities because of lack of funds. Now that you acquainted with the benefits of buying a dedicated cancer insurance policy, here are a few things you should consider while purchasing one: Increased cover Do extensive research and opt for a plan that helps you combat the rising medical costs by increasing you Sum Assured every year. There are many plans in the market that provide a 10% increase in Sum Assured each year and your cover can increase up to 200% of the cover from commencement of the plan until the time of claim. For example, when you choose a health cover of Rs. 30 Lakhs for Cancer for a term of 10 years and choose the increasing cover benefit, every claim free year adds a 10% to your cover. Hence, by the 5th year, your health cover would have increased to Rs. 45 Lakhs. (10% of 30 Lakhs = 3 Lakhs, 3*5 years = 15 Lakhs increase). Major and minor stages of cancer Opt for a plan that continues after the first payout for a minor condition is made. This way you don't have to pay any further premiums and it helps cover you from any future major expenses. Family Discounts You have the option of opting for a floater plan for an all-inclusive coverage for your loved ones, for example if you get your spouse insured as well, you could get a 5% discount on the combined premium for the first year. The cover of your spouse would be independent of yours and will not be affected by the claim you make, in this case. Tax Benefits Another great benefit of cancer insurance plans is that they provide you with a tax benefit under section 80D of the <keyword id="6354751" type="COMPANY" weightage="20" keywordseo="Income-Tax">Income Tax</keyword> Act 1961. Buying a specialized cancer insurance isn't even difficult where you can buy it online, directly from a trusted insurer's website all in ten minutes. Calculate your premium here: 
<iframe src="https://www.iciciprulife.com/health-insurance-plans/cancer-insurance-calculator-times.html?UID=6027&amp;utm_source=TimesInternet&amp;utm_medium=BI&amp;utm_campaign=CancerArticle&amp;cid=Display:Article:TimesInternet:Calculator:DM-TI-Article:HnC:CancerArticle-BI:CancerArticle::Eng::6027:cpc" width="100%" height="400" scrolling="no" frameborder="0">
</iframe>
Disclaimer: The quotes are indicative and TIL bears no legal liability for the calculation.

Here’s how a standalone critical illness plan can protect you in a health crisis

Have you ever missed your bus but got your booking amount back? You might have thought that this never happens in this country. But mobile wallet and ecommerce company Paytm is here to prove you wrong. So the next time you miss your bus, you will most definitely get your money back. The Delhi based startup, which has forayed into various kinds of businesses is now planning insurance covers for bus passengers against a range of risks, such as accidents, missed travel, cancellation of ticket and loss of baggage.

	“We are in talks with (insurance) companies to provide insurance cover for bus passengers," said Shankar Nath, Paytm's senior vice-president. "At the same time, we are talking to various private bus hiring services like AP travels." <o:p></o:p>

	Just like domestic air travel comes insured, the passengers in this case would be a given an option to choose the insurance, if they desire. The bus fare will be bundled with the premium. <o:p></o:p>

	Around 30,000 tickets are booked daily on Paytm's platform. The average fare is 500.<o:p></o:p>

	Travel insurance business in India is worth Rs 400-500 crore and the cover is mostly taken by those who travel abroad. While the government is talking to insurance companies to introduce personal accident and baggage loss cover to railway passengers, the bus travel segment is yet to open up to the idea.<o:p></o:p>

	"There is not enough education and the risk perception is very low," Sanjay Datta, head of motor insurance underwriting at ICICI Lombard General Insurance told the ET. "Domestic travel insurance is a negligible business."<o:p></o:p>

	For domestic air travel, the premium is around 150 and the policy is valid for 30 days or till the date of return journey for passengers between the age group of 1 and 70.<o:p></o:p>

	When travelling overseas, people usually see travel insurance as a short-term medi-claim, to cover treatment towards any injury or illness suffered while they are abroad.<o:p></o:p>

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BHEL is looking for ten post grads under 30 for jobs with salary upto ₹80,000 per month

Vaamanaa Sethi

What you should know about the government’s accident and disability scheme

BI India Bureau

New tax structure gives option to save tax: Revenue Secy

PTI

Here’s how a standalone critical illness plan can protect you in a health crisis

BI India Bureau

Paytm is introducing insurance for bus travel

BI India Bureau

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