<ul><li>Jawaharlal Nehru University (JNU) administration partially rolled back the hostel fee that it had hiked. </li><li>According to the revised fee structure, the charges of a single room have been reduced to ₹200 per month against ₹600 proposed earlier and ₹100 for a shared double room against ₹300. </li><li>However, the student union has called the move a ‘trap’ as they continue to protest. </li></ul> After days of massive student protest, the Jawaharlal Nehru University (JNU) administration partially rolled back the hostel fee hikes. R Subrahmanyam, secretary of the Ministry of Human Resource and Development (MHRD) confirmed the same on Twitter. <div type="twitter" handle="subrahyd" handlename="R. Subrahmanyam" image="http://pbs.twimg.com/profile_images/1028304137820098561/HeLLqqV__normal.jpg" favoritecount="604" retweetcount="237" status="#JNU Executive Committee announces major roll-back in the hostel fee and other stipulations. Also proposes a scheme… https://t.co/2P31WDNShM" createdat="1573642824000" id="1194570703174918144"></div>

 According to the revised fee structure, the charges of a single room have been reduced to ₹200 per month against ₹600 proposed earlier and ₹100 for a shared double room against ₹300. The old charges for single and double rooms were ₹20 and ₹10, respectively. The move comes in the back of the ongoing protests by university students who were rallying against the fee hike, dress code and hostel curfews that the top university has now mandated. However, the student union has called the move a ‘trap’ and they continue to protest. The university administration had <a href="https://www.news18.com/news/india/jnu-students-say-academic-emergency-at-varsity-demand-vcs-removal-as-teachers-extend-support-2382953.html">hiked</a> the hostel mess security fee from ₹5,500 to ₹12,000, adding a service charge worth ₹1,700. Added to this, hostel curfews and a dress code also did not resonate well with the students. The university mandated 11 pm as a curfew for hostel students. "While we were paying ₹2,500 a month earlier, we will now have to pay ₹7,000. We are compelled to protest because our issues have not been addressed,” JNU students <a href="https://www.ndtv.com/delhi-news/protest-breaks-out-at-jnu-over-fee-hike-on-convocation-day-2130632">told</a> NDTV. The protest also coincided with the institute’s third convocation ceremony. The student body called for a boycott as they demanded a complete rollback. See also: <a href="https://www.businessinsider.in/rajmal-meena-jnu-guard-help-from-neo-stencil-to-become-ias/articleshow/70275974.cms">Meet Rajmal Meena, a security guard from JNU who cleared university’s entrance examination, and is now aiming to become an IAS officer</a> <a href="https://www.businessinsider.in/ca-aspirants-want-icai-to-amend-regulation-that-allows-re-valuation/articleshow/71308772.cms">CA aspirants want ICAI to amend regulation that allows re-valuation</a> <a href="https://www.businessinsider.in/hundreds-of-indias-aspiring-chartered-accountants-are-furious-and-protesting-on-the-streets/articleshow/71286881.cms">Hundreds of India's aspiring chartered accountants are furious and protesting on the streets</a>

JNU announces a partial rollback in hostel fee hikes amid massive protests

<ul><li>India’s prestigious <keyword id="55119" type="ORGANIZATION" weightage="20" keywordseo="Indian-Institute-of-Technology">Indian Institute of Technology</keyword> (IIT), Madras will host the <keyword id="8150706" type="UNKNOWN" weightage="20" keywordseo="Singapore-India-Hackathon-2019">Singapore India Hackathon 2019</keyword>. </li><li>It is a 36-hour long hackathon, focussed on three themes — good health and well-being, quality education, and affordable and clean energy. </li><li>Prime Minister <keyword id="6354477" type="PERSON" weightage="20" keywordseo="Narendra-Modi">Narendra Modi</keyword> will award prizes to the winning teams. </li><li>Six teams will receive the ‘Prize of Encouragement,’ along with prizes worth $2,000 (₹141,425). </li></ul>India’s prestigious Indian Institute of Technology (IIT) Madras will host the second joint competition — <a href="https://pib.gov.in/PressReleseDetail.aspx?PRID=1586294#">Singapore India Hackathon 2019</a>. The three-day long event will commence on September 28 and Prime Minister Narendra Modi will preside over the awards ceremony on September 30. Ong Ye Kung, Minister of Education, Singapore will also be present at the function. This will be a 36-hour long hackathon, focussed on three themes — good health and well-being, quality education, and affordable and clean energy. Each of the 20 participating teams will have three students, each from both countries for exchange of culture and ideas. The winning team will be awarded a prize money of $10,000 (₹707,125), while the three runner ups will get $8,000 (₹565,700), $6,000 (₹424,275) and $4,000 (₹282,850) respectively. The Human Resource and Development Ministry (MHRD) of India will also award the ‘Prize of Encouragement of,’ $2,000 each to six teams for ideas with potential. “The Singapore India Hackathon, an initiative of Prime Minister Narendra Modi, is the first of its kind joint <keyword id="6001248" type="UNKNOWN" weightage="20" keywordseo="international-hackathon">international hackathon</keyword> between India and any other country. It aims to promote engagement and collaboration of student community in India with the rest of the world and to develop innovative and out-of-the-box solutions for the daunting problems faced by our societies,” said R Subrahmanyam, Secretary of the Department of Higher Education. Last year, the Singapore India Hackathon was held at NTU, Singapore in November. The event is organised by MHRD, and its innovation cell (MIC), All India Council for Technical Education (AICTE) jointly with Nanyang Technological University (NTU), Singapore and NTUitive. See also: <a href="https://www.businessinsider.in/american-express-and-techgig-call-for-women-coding-contest-geek-goddess/articleshow/71322227.cms">American Express and TechGig call for women coding contest — Geek Goddess</a> <a href="https://www.businessinsider.in/oyo-enters-the-student-housing-segment-partners-with-iit-delhi-and-plaksha-university/articleshow/71310598.cms">OYO enters the student housing segment, partners with IIT Delhi and Plaksha University</a> <a href="https://www.businessinsider.in/a-bill-to-do-away-with-ugc-and-aicte-will-be-tabled-in-the-parliament-in-october/articleshow/71305689.cms">A Bill to do away with UGC and AICTE will be tabled in the Parliament in October</a>

IIT Madras to host Singapore India Hackathon in the presence of PM Modi

<ul><li>The <keyword id="44734" type="ORGANIZATION" weightage="20" keywordseo="Indian-Government">Indian government</keyword> has directed all the higher educational institutions to link social media handles of students with the institute and Ministry of Human Resource &amp; Development (MHRD). </li><li>The move is aimed to “connect the students” and share positive achievements by the students and institutions. </li><li>This will include nearly 30 million college students and 900 universities across the country. </li><li>Each institute has been asked to appoint a “Social Media Champion(SMC),” to publicise the accomplishments and communicate with the ministry. </li></ul>In a move to “connect the students,” the Indian government has directed all the higher educational institutions to<a href="https://www.telegraphindia.com/india/centre-set-to-link-up-with-students-on-facebook/cid/1693978"> link the social media accounts</a> of students with their respective institute and Ministry of Human Resource &amp; Development (MHRD). The <keyword id="51613" type="ORGANIZATION" weightage="20" keywordseo="hrd-ministry">HRD Ministry</keyword>, in its official release, stated that the students’ social media accounts including Twitter, Facebook and Instagram handles will be linked to those of the ministry and the respective institutes, to share positive achievements and “good work done by the institution.” The move to track social handles, which is expected to target nearly 30 million college students and 900 universities, has fueled debates among the institutions due to student privacy concerns. “This is ridiculous, and it is a clear attempt by the government at implementing surveillance on even the personal spaces of students,” Ayesha Kidwai, Professor at JNU<a href="https://www.thequint.com/news/politics/modi-govt-connect-fb-twitter-insta-of-all-students-to-hrd-ministry"> told </a>The Quint on the merger of personal information with government bodies. The academic institutions have shown displeasure, given that the information accessed through the social portals may be misused in certain ways. “If your intention is to facilitate communication, all stakeholders of institutions should have been made a part of it. Why should only students’ accounts be linked?” N. Raghuram, faculty member at Guru Gobind Singh Indraprastha University told The Telegraph. In addition to this, the higher institutions have been asked to appoint a “social media champion(SMC)” from their institute, who will be a medium of communication with the HRD Ministry and other institutions. Having said that, the then appointed SMC will have access to the institute’s social media profiles, which may also impact the institute. The SMC is expected to publicise “one positive story” by their institution and retweet “success stories” of the students, <a href="https://www.thequint.com/news/politics/modi-govt-connect-fb-twitter-insta-of-all-students-to-hrd-ministry">according to the official letter</a>. The deadline to submit the details of the SMC candidate is 31 July, as per R. Subrahmanyam, Secretary of the Department of Higher Education. See also: <a href="https://www.businessinsider.in/whatsapp-curbed-by-indian-army-to-stop-foreign-intelligence/articleshow/70138133.cms">Indian Army fears that foreign intelligence may be using WhatsApp to profile its officers</a> <a href="https://www.businessinsider.in/union-budget-2019-for-education-study-in-india-program-announced-by-nirmala-sitharaman/articleshow/70083474.cms"> Study in India program to turn the country into an education hub for foreign students</a> <a href="https://www.businessinsider.in/budget-2019-nrf-announcement-reforms-in-education-sector-by-nirmala-sitharaman/articleshow/70087654.cms">A new government body will funnel research grants based on whether they are of 'national importance'</a>

The Indian government wants a handle on students' social media profiles —and that has sparked an outrage

<ul><li>The five businesses that made the most <keyword id="6355005" type="UNKNOWN" weightage="20" keywordseo="news">news</keyword> in the year are <keyword id="6355199" type="ORGANIZATION" weightage="20" keywordseo="reliance-industries">Reliance Industries</keyword>, <keyword id="6358200" type="ORGANIZATION" weightage="20" keywordseo="jet-airways">Jet Airways</keyword>, Amazon India, <keyword id="46894" type="PERSON" weightage="20" keywordseo="Tata-Sons">Tata Sons</keyword> and <keyword id="6354706" type="DEFINITION" weightage="20" keywordseo="IndiGo">Indigo</keyword> Airlines.</li><li>A report made by the technology led PR platform Wizikey shared insights into what made these companies the newsmakers of 2019. </li><li>From Reliance’s AGM to Jet Airways downfall, it was a mix of good and bad that brought these companies in the news.</li></ul>2019 was a year of headlines – from Indian general elections to the economic slowdown. Businesses have been at the receiving end – from those which shut shop to those that opened new doors to success. The top five businesses that generated the most news are Reliance Industries, Jet Airways, Amazon India, Tata Sons and Indigo Airlines, according to a report by the technology-led PR platform Wizikey. They stayed in the news for both good and bad reasons. Reliance Industries Mukesh Ambani-led Reliance recently created history in the stock market with its market cap crossing ₹10 lakh crore. It was the first Indian company to do so. But that wasn’t the only news that caught everyone’s attention. The stock and the company has been buzzing especially during the second half of the year. According to the Wizikey report, Reliance holds the credit for one-third of the total news created by the top 5 companies. The busiest news month for the company was in August, when it held its annual general meeting. At the AGM, Ambani made major announcements -- like fundraising apart from unveiling next-gen technology. <div type="Article" hostid="261" msid="70638299" title="Mukesh Ambani's speech at the Reliance Industries AGM had ten big takeaways" mstype="2" mssubtype="0"></div>

 Jet Airways The Indian airlines shut shop in April this year and not surprisingly, that was the month it was mentioned the most. The report said that the most common buzzwords around Jet Airways were “flight cancellation, aircraft grounding, insolvency proceedings, debt resolution and management takeover”. <div type="Article" hostid="261" msid="69878191" title="It’s official-- Jet Airways is bankrupt, declares a Indian court on the same day the share price jumped 93%" mstype="2" mssubtype="0"></div>

 IndiGo Accompanying Jet Airways in the newsmakers sector, was one of India’s largest airlines – IndiGo. Having gained from the collapse of Jet Airways, with more bookings coming its way, IndiGo too had its fair share of trouble. A feud between its founders Rahul Bhatia and Rakesh Gangwal over company’s control took an ugly turn. Both of them had landed in the courts in July 2019, after Gangawal’s sensational expose on the workings of the airline. <div type="Article" hostid="261" msid="71740625" title="Indigo debt has swollen by seven times in one year" mstype="2" mssubtype="0"></div>

 Amazon India Amazon India has been generating both good and bad news this year. “Amazon saw itself being mentioned the most throughout the year - for all the wrong reasons,” said the Wizikey report. October was the month of most mentions, after the Department for Promotion of Industry and Internal Trade called in the e-commerce giant for its <a href="https://www.businessinsider.in/business/ecommerce/news/headline-amazon-dismisses-deep-discounts-and-says-sellers-set-their-own-pricesamazon-dismisses-deep-discounts-and-says-sellers-set-their-own-prices/articleshow/72450155.cms">deep discounts</a> and possible foul play. But it was also the festive month, where Amazon’s great sales kept it in the news. <div type="Article" hostid="261" msid="70222978" title="Amazon India sets up ‘war rooms’ to handle Prime Day pressure" mstype="2" mssubtype="0"></div>

 Tata Sons Tata Sons owe their “newsy” year to one person – Dr Subrahmanyam Jaishankar, when he was appointed the Minister for External Affairs. Jaishankar held the post of President, Global corporate affairs at Tata Sons, which is why his appointment in the ministry shared the spotlight on the company. But that’s not all. “Rumours around Jaguar being sold to BMW saw Tata mentioned in the news early in the year,” said the report. Tata’s interest in Jet Airways too got them a lot of space in the papers. <div type="Article" hostid="261" msid="71802900" title="Not just Tata Motors, a lot of other companies are excited by Jaguar Land Rover numbers" mstype="2" mssubtype="0"></div>

Mukesh Ambani’s Reliance, Jet Airways and other top newsmakers of 2019

New Delhi, Feb 21 () India's organic food market is growing at 17 per cent annually and has the potential to grow at a faster pace on rising demand for health and wellness food products across the world, Union Food Processing Minister Harsimrat Kaur Badal said on Friday.Badal and Minister for Women and Child Development (WCD) Smriti Irani jointly inaugurated an organic food festival for women entrepreneurs at Jawahar Lal Nehru Stadium here. The festival with a theme ''Unleasing India's Organic Market Potential'' has been organised by both the ministries with CII as the industry partner.More than 180 women entrepreneurs, self-help groups (SHGs) and co-operatives are taking part in this three-day exhibition organised in the national capital during February 21-23.Addressing the event, Badal said the two ministries have come together to give women entrepreneurs in the organic sector "wings to fly and reach the sky". She said this festival would be organised six times a year across India, and the plan is to make it an international exhibition in the near future. She said the entire world is looking towards organic and wellness food, which is required for both physical and mental health."In organic and health foods, India is a power house," Badal said, adding that there are many parts of India which are naturally organic such as Sikkim, hilly states and tribal belts.This organic festival provides a platform to women entrepreneurs to connect with consumers as well as retailers, Badal said."The organic sector in India is growing by almost 17 per cent every year... In times to come, the trend is going to grow much faster," the minister said.Earlier this month, Badal had said the organic food market will touch Rs 75,000 crore in the next five years. Badal said food processing, value addition and organic food would be instrumental in the government's target to double farmers' income."Under the able leadership of Minister of Food Processing, we celebrate the entrepreneurial potential of over 180 women in this segment of organic food under the aegis of this festival," said Irani, who is also the Textile Minister.The government has ensured that women entrepreneurs get Mudra loans to start their venture, Irani said.She said foreign direct investment (FDI) in the food processing sector has increased substantially under the government led by Prime Minister Narendra Modi.The government is providing sustainable environment not only to farmers but also to entrepreneurs by engaging them with latest technology in food processing, the WCD minister said.Irani stressed on providing access to latest food processing technology available globally to entrepreneurs, especially women.Apart from women entrepreneurs, the minister suggested that Divyang citizens should be part of this organic food festival from next year. Tribal produce and nutritious food supported by Poshan Abhiyan should also be included. Food Processing Secretary Pushpa Subrahmanyam highlighted that India is ranked number one in organic producers and ninth in area under cultivation for organic products.The country produced around 1.7 million tonnes of certified organic products in 2017-18. It exported organic products worth USD 515 million in the same year.To boost organic products and women entrepreneurship, the two ministries had signed a memorandum of understanding last year to help them get connect with government's financial schemes.The overall effort is targeted towards strengthening organic branding for India by enhancing direct linkage of local producers with buyers as well as boosting processing potential of organic output.During the festival, training programmes will be organised for women entrepreneurs in the area of packaging, storage, marketing, innovations on renewable energy, food safety regulations and organic certifications. MJH MJH ANSANSANS

India's organic food mkt growing at 17 pc annually: Harsimrat Kaur Badal

<ul><li>Former diplomat Rajiv Bhatia believes that neither side wants a “real escalation in terms of <keyword id="1978906" type="PERSON" weightage="20" keywordseo="military-conflict">military conflict</keyword>.”</li><li>Using its diplomatic toolkit, India could delay the Russia-India-China (RIC) meeting scheduled for June 23 and convene a special QUAD meeting instead to send a strong signal. </li><li>The current conflict could strengthen the ties between the QUAD members — India, US, Japan and Australia — since all of them have been the target of Chinese aggression.</li></ul>Public pressure is mounting on both sides as India and China remain locked in conflict along the Line of Actual Control (LAC) in the Galwan Valley. Even after a telephonic conversation between India’s Foreign Minister Subrahmanyam Jaishankar and his Chinese counterpart Wang Yi, a lot remains up in the air. “The next few days are going to be stormy,” former diplomat and distinguished Gateway House fellow, Rajiv Bhatia told Business Insider India. Agreeing with him, Retired Lieutenant General DS Hooda — who was the Northern Army Commander during the surgical strike against Pakistan in September 2016 — told <a href="https://www.youtube.com/watch?time_continue=584&amp;v=j0P-t_U4FJk&amp;feature=emb_logo">HW News</a> “We’re in for some very tough and hard negotiations.” Amid the rising tensions, the Russia-India-China (RIC) meeting is scheduled for June 23. While India doesn’t wish for armed conflict, it could send a strong signal by delaying the conference. “Delhi should actually postpone the <keyword id="9420945" type="UNKNOWN" weightage="20" keywordseo="RIC-meeting">RIC meeting</keyword> and call a convene special QUAD meeting, which will send a very clear signal to our friends in Beijing,” suggests Bhatia. According to him, India’s international connections are strong and Prime Minister Narendra Modi has invested a great deal in partnership around the world — and now would be the time to bank on that goodwill. The difference in perception of what happened on June 15 The Indian side has unequivocally said that the Chinese attack was “premeditated and planned” resulting in the death of 20 Indian soldiers. China, on the other hand, believes that India needs to “control its frontline troops.” “The Indian unit went to check whether the particular part had actually been vacated by the Chinese,” said Bhatia. He explains that when the military actually reached the location instead of finding empty barracks — the troops were ambushed instead. Nobody wants another India-China war The statement issued by India’s Foreign Ministry indicated that the “violent face-off” on June 15 will “have a serious impact on the bilateral relationship.” On the other hand, China’s Foreign Ministry has asked India to “immediately cease all provocative actions.” But, one thing that both sides have agreed on is that things need to de-escalate. “We would just have to stick to a rational view and presume that neither side wants a real escalation in terms of military conflict across the border,” said Bhatia. However, since the agreement reached on June 6 didn’t hold and the foreign ministers were unable to reach a total reconciliation — the level of diplomatic parlays now needs to be escalated to special representatives, which would involve Wang from China’s side and national security advisor AK Doval on India’s behalf. “I don’t think we’ll get a solution out of military-to-military dialogue,” said Hooda even though another attempt is set to take place today on June 18 at 10:30 am at a Major General-level to resolve the issues related to the violent face-off in Galwan area on June 15 according to Indian Army sources that spoke to ANI. “Solutions will have to be found in the diplomatic and political sphere,” he explains that for militaries, on the ground, it’s unlikely that either side will step back that when it’s about territory. “China will inform some of their key friends like Russia and we’ll be doing the same with our QUAD partners and ASEAN. In our own neighbourhood, of course, we probably aren’t going to brief Nepal and Pakistan,” explained Bhatia. He adds that the current crisis could strengthen the solidarity between the QUAD countries — India, US, Japan and Australia — because all of them “are victims of Chinese aggression,” According to him, it will be a couple of days of back-and-forth between India and China before the special representatives reach a consensus. SEE ALSO: <a href="https://www.businessinsider.in/defense/news/not-only-india-hong-kong-taiwan-vietnam-and-japan-also-facing-chinese-army-aggression-on-border-issue/slidelist/76418800.cms">China’s aggression isn’t only aimed at India — but at least four other countries in the region</a> <a href="https://www.businessinsider.in/defense/news/china-and-pakistan-have-more-nuclear-weapons-as-compared-to-india/articleshow/76420350.cms">The total nuclear arsenal between India and China can destroy the world many times over</a> <a href="https://www.businessinsider.in/defense/news/difference-between-india-and-china-military-expenses-soldiers-number-aircrafts-tanks-and-missiles/articleshow/76421399.cms">The strength of India and China’s defence forces compared</a>

The next few days are going to be stormy for India and China say a former diplomat and retired lieutenant general

<ul><li>The Indian Army confirmed today that soldiers from both India and China’s sides were killed in action in violent clashes on June 15.</li><li>So far, 20 Indian soldiers have been killed in action. There is no official confirmation about casualties on the Chinese side.</li><li>The clashes erupted at a time when both sides had met in <keyword id="9241086" type="UNKNOWN" weightage="20" keywordseo="Galwan-Valley">Galwan Valley</keyword> in Ladakh to de-escalate.</li><li>The Indian Army has issued a statement saying senior officials from both the sides are meeting to defuse the situation.</li></ul>The Indian Army confirmed today that soldiers were killed on both India and China’s sides on Monday night (June 15) after violent clashes erupted during the de-escalation that is underway in Galwan Valley in Ladakh. In its <a href="https://www.businessinsider.in/defense/news/indian-army-confirms-officer-two-soldiers-killed-in-clashes-with-chinese-soldiers-in-ladakh/articleshow/76401402.cms">first confirmation</a>, the Indian Army revealed that three soldiers, including a commanding officer were killed in action. However, it has now <a href="https://twitter.com/ANI/status/1272804137114021888">amended</a> its statement to confirm that there have been casualties on both the sides. The Indian Army has <a href="https://twitter.com/PTI_News/status/1272936922785038336" data-type="tilCustomLink">updated</a> the casualty number to 20 soldiers now. The Chinese side has not revealed any number so far. <div type="twitter" handle="ANI" handlename="ANI" image="http://pbs.twimg.com/profile_images/1497864299/ani_mic_logo_normal.jpg" favoritecount="1810" retweetcount="426" status="Army amends statement, says &quot;casualties suffered on both sides&quot; in &quot;violent face-off&quot; during de-escalation process… https://t.co/yjYMs2rMwY" createdat="1592295128000" id="1272804137114021888"></div> The Indian Army has <a href="https://twitter.com/ShivAroor/status/1272810618953895937/photo/1">issued</a> a statement saying senior officials from both the sides are meeting to defuse the situation. <div type="image" title="PM Narendra Modi" msid="76424755" hostid="261" caption="&amp;lt;p&amp;gt;Prime Minister Narendra Modi on the Galwan Valley clashes.&amp;lt;/p&amp;gt;"></div> "I would like to assure the nation that the sacrifice of our jawans will not go in vain. For us, the unity and sovereignty of the country are important. India wants peace but when instigated, India is capable of giving a befitting reply." Prime Minister Narendra Modi said in a statement on June 17. "On late-evening &amp; night of June 15, a violent face-off happened as a result of an attempt by Chinese side to unilaterally change status quo there. Both sides suffered casualties that could have been avoided had agreement at higher level been scrupulously followed by Chinese side." the Ministry of External Affairs said in a statement. "Given its responsible approach to border management, India is very clear that all its activities are always within the Indian side of the LAC. We expect the same of the Chinese side." the MEA added. “What happened in Galwan was premeditated and planned action by China which was responsible for the sequence of events.” said India's Foreign Minister S Jaishankar during his talks with Chinese Foreign Minister Wang Yi. <div type="image" title="Rajnath Singh Galwan Valley" msid="76420993" hostid="261" caption="&amp;lt;p&amp;gt;Rajnath Singh on the soldiers killed in action in the Galwan Valley clash with Chinese soldiers&amp;lt;/p&amp;gt;"></div> "Nation will never forget their bravery and sacrifice. My heart goes out to the families of the fallen soldiers. The nation stands shoulder to shoulder with them in this difficult hour," Defence Minister Rajnath Singh <a href="https://twitter.com/ANI/status/1273146530468429826" data-type="tilCustomLink">said</a> on June 17. In a statement <a href="https://twitter.com/globaltimesnews/status/1272802583451537408">issued</a> to Global Times, China’s Foreign Minister said, “Indian troops on Monday seriously violated consensus of the two sides by illegally crossing the border twice &amp; carrying out provocative attacks on Chinese soldiers, resulting in serious physical clashes.” The People's Liberation Army's Western Theater Command <a href="https://twitter.com/globaltimesnews/status/1272867549005246464" data-type="tilCustomLink">issued</a> an official statement, saying "the Indian troops crossed the line of actual control (LAC)" and "purposefully launched a provocative attack". According to a <a href="https://www.nytimes.com/2020/06/16/world/asia/indian-china-border-clash.html?smid=tw-nytimes&amp;smtyp=cur">report</a> by New York Times, no bullets have been fired in the clashes between Indian and Chinese armies. The report suggests that the casualties were due to stone pelting on both the sides. Exact details of the clashes have not been revealed yet. <div type="Article" hostid="261" msid="76128454" title="India and China are testing each other at the Ladakh border— but it won’t be another war like in 1962, according to experts" mstype="2" mssubtype="0"></div> Build up of troops amid India-China border dispute <div type="image" title="India China LAC" msid="76407294" hostid="261" caption="&amp;lt;p&amp;gt;Standoff points between India and China at the Line of Actual Control&amp;lt;/p&amp;gt;"></div> The standoff between India and China has been ongoing for nearly 42 days now since the first reports of violence in Galwan Valley on May 5. India’s Defence Minister, Rajnath Nath Singh, told the press that both countries are engaged in dialogue at military and diplomatic levels. <div type="image" title="Galwan Valley" msid="76403104" hostid="261" caption="&amp;lt;p&amp;gt;An overview of the Galwan Valley which is the latest flashpoint in the India-China border dispute&amp;lt;/p&amp;gt;"></div> The central issue is that the India-China border is not demarcated and not defined. “I was there in 1959, 60, 61, 62. The two sides try to play chess at the border but to use the term ‘military stand-off’ is too much,” added former National Security Agency (NSA) advisor, MK Narayanan at a seminar organised by the <a href="https://www.youtube.com/watch?v=HgRhMNIPVu0">Chennai International Centre</a>. The trigger for this <a href="https://www.businessinsider.in/defense/news/experts-believe-that-the-india-china-border-dispute-is-unlikely-to-turn-into-another-war-like-the-one-in-1962/articleshow/76128454.cms">fresh border dispute</a> between India and China is based on China’s opposition to the infrastructure development that India has been carrying out around the Pangong Tso Lake. Brahma Chellaney, professor of strategic studies at the Center for Policy Research in New Delhi, <a href="https://twitter.com/PoulomiMSaha/status/1272796805470666753">told</a> India Today, “This is a watershed moment. India-China relations won’t be the same again.” Citing the example of <a href="https://www.businessinsider.in/defense/tensions-are-still-simmering-a-year-after-the-worlds-2-biggest-countries-almost-clashed-over-a-border-at-the-top-of-the-world/articleshow/65507895.cms">the 73-day standoff at Doklam in 2017</a>, Indian Defence Minister Rajnath Singh said that even at that time India had held firm but the issue was eventually resolved through dialogue. In fact, it seemed like the issue was at least temporarily settled after India started moving workers from Jhark for the border road projects in Ladakh yesterday. However, soon after, the reports of another escalation and the casualties came through. Defence Minister<a href="https://twitter.com/rajnathsingh"> </a>Rajnath Singh has reviewed the current operational situation in Eastern Ladakh, with the Chief of Defence Staff and the Chiefs of three services⁠— Army, Navy, and Air Force. The External Affairs Minister Subrahmanyam Jaishankar was also present during the meeting. SEE ALSO: <a href="https://www.businessinsider.in/defense/news/experts-believe-that-the-india-china-border-dispute-is-unlikely-to-turn-into-another-war-like-the-one-in-1962/articleshow/76128454.cms">India and China are testing each other at the Ladakh border— but it won’t be another war like in 1962, according to experts</a> <a href="https://www.businessinsider.in/defense/news/china-is-a-bully-says-us-representative-on-india-china-border-issue/articleshow/76147159.cms">China is a ‘bully’ says US Representative on India-China border issue</a> <a href="https://www.businessinsider.in/policy/foreign-policy/news/the-fear-of-china-has-put-the-global-spotlight-on-india-its-raked-up-three-comprehensive-strategic-partnerships-in-the-last-24-months/slidelist/76258833.cms">The fear of China has put the global spotlight on India ⁠⁠— its raked up three Comprehensive Strategic Partnerships in the last 24 months</a>

‘Serious clashes’ between India and China⁠ in Galwan Valley —  India says 'Chinese troops had planned this escalation'

Coronavirus cases in India rise to 10,363- leaving 10% cured and 339 dead

<div class="KonaFilter image-container display-table"><div><div class="image on-image">China Daily via ReutersIndian Prime Minister Narendra Modi and Chinese President Xi Jinping at the Hubei Provincial Museum in Wuhan, China, in April 2018.</div></div></div><ul class="summary-list"><li>Muslims in Xinjiang, China, are being surveilled and locked up en masse by regional authorities who see them as terrorists whose religion are akin to a disease or cancer.</li><li>Meanwhile, India revoked the autonomy of the mostly-Muslim region of Jammu and Kashmir, and is building detention camps for ethnic Bengalis - most of them Muslim - in the northeastern state of Assam.</li><li>There are several parallels between these two countries' actions - both claim their projects are to prevent violence and explicitly told other countries to butt out of their affairs.</li><li>The rest of the world is too powerless to stop these economic powerhouses from continuing their mass internment projects.</li><li><a href="https://www.businessinsider.com/?hprecirc-bullet">Visit Business Insider's homepage for more stories</a>.</li></ul>China and India, two economic powerhouses with some of the largest populations in the world, are brutally oppressing their ethnic and religious minorities. But the international community is loathe to rebuke them.In <a href="https://www.businessinsider.com/category/xinjiang">Xinjiang</a>, Chinese authorities have installed the equivalent of a 21st-century police state, with the Uighur ethnic minority monitored by electronic spyware, and locked up en masse in prisons and detention camps. Uighurs call the region East Turkestan.In August, Indian authorities revoked the semi-autonomy of the disputed territories of <a href="https://www.businessinsider.com/category/kashmir">Jammu and Kashmir</a>, and placed the region under an internet and phone blackout that largely remains today.Residents - many of whom are Muslim - have been placed under virtual house arrest, unable to worship on holidays or <a href="https://www.businessinsider.com/india-kashmir-trade-lockdown-ruins-apple-economy-2019-9">harvest crops</a>.In Assam, northeast India, officials are also building internment camps to hold hundreds of mostly-Muslim ethnic-Bengalis, whom the state has declared illegal immigrants because their names are not included on the National Register of Citizens.Many of them have lived in India their whole lives, but their citizenship documents are nonexistent, lost, or riddled with spelling errors. Indian authorities <a href="https://www.aljazeera.com/news/2019/11/india-implement-nationwide-citizenship-count-191120122109336.html">said this week</a> they want to extend the policy throughout the country, making activists grow more fearful for Muslims' safety."In Assam, the camps are currently set up within existing prisons," Angana Chatterji, co-chair of the University of California, Berkeley's Initiative on Political Conflict, Gender, and People's Rights told Business Insider."Reportedly about 600 to 700 people are being held in them," she said, adding that the prisons and camps being built "are being likened to concentration camps."Though Xinjiang, Kashmir, and Assam are hundreds of miles apart, they all seem to follow the same playbook.<div class="KonaFilter image-container display-table"><div><div class="image on-image">Anuwar Hazarika / REUTERSShefali Hajong, a laborer whose name has been excluded from India's National Register of Citizens, at a construction site for a detention center in Goapara, Assam, in September 2019.</div></div></div><h2>Both countries target Muslims to 'prevent violence'</h2>China has repeatedly claimed that its actions in Xinjiang are a <a href="https://www.businessinsider.com/china-tries-to-cite-islamophobia-to-export-model-of-muslim-repression-2018-11">counterterrorism measure</a>, and even <a href="https://www.businessinsider.com/china-tries-to-cite-islamophobia-to-export-model-of-muslim-repression-2018-11">cites Islamophobia</a> to justify its actions. <a href="https://www.businessinsider.com/china-uighur-detention-camps-cleanse-religion-leaked-documents-nyt-2019-11">Leaked Communist Party documents</a>, published last week by <a href="https://www.nytimes.com/interactive/2019/11/16/world/asia/china-detention-directive.html">The New York Times</a>, shows authorities referring to Uighurs' religion as a cancer, disease, or drug addiction.Meanwhile, India's External Affairs Minister <a href="https://www.spiegel.de/international/world/indian-external-affairs-minister-on-kashmir-climate-trump-a-1296790.html">Subrahmanyam Jaishankar</a> has said the country cut off Kashmir's internet and communications to fight radicalization and "prevent the loss of life." Locals and law-enforcement officials <a href="https://www.businessinsider.com/kashmir-villagers-allege-beatings-abuse-electric-shock-india-denies-2019-8">have been involved</a> in <a href="https://www.businessinsider.com/kashmir-man-blinded-pellets-police-insist-no-major-injuries-2019-8">violent clashes</a>, and thousands of people have been detained.Prime Minister Narendra Modi's government, which is built on Hindu supremacy, has also capitalized on local Hindu suspicion in Assam of ethnic Bengalis, who have different ethnic identities, religions, and languages, said Meenakshi Ganguly, the South Asia director of Human Rights Watch.Amit Shah, the country's home minister, has referred to illegal Muslim immigrants in India as "<a href="https://www.reuters.com/article/india-election-speech/amit-shah-vows-to-throw-illegal-immigrants-into-bay-of-bengal-idUSKCN1RO1YD">termites</a>" and threatened to throw them into the Bay of Bengal. The government has justified its actions in Assam as a matter of national security.<div class="KonaFilter image-container display-table"><div><div class="image on-image">Anuwar Hazarika / REUTERSLaborers at a school building at a construction site for a detention center in Goalpara district, Assam, in September 2019.</div></div></div><h2>Ethnic tensions are an 'internal matter'</h2>Both China and India have batted away international criticism by <a href="https://www.businessinsider.com/us-lawmakers-bill-punishing-china-over-uighur-muslim-persecution-2018-11">insisting that those issues</a> are <a href="https://www.businessinsider.com/china-tells-un-to-back-off-after-alleging-xinjiang-has-1-million-in-camps-2018-9">internal matters</a> - and to an extent, their tactics are working.The Chinese government forbids foreign journalists from entering Xinjiang to report, opting instead to organize <a href="https://uk.reuters.com/article/uk-china-xinjiang-usa/u-s-official-denounces-choreographed-visits-to-chinas-xinjiang-idUKKCN1R503T">heavily-choreographed</a> and chaperoned tours to the region that involve bizarre performances of Uighurs dancing or learning Chinese in classrooms. At least two such trips have taken place.Beijing has repeatedly dismissed reports of physical and psychological torture in those camps, claiming instead that they are "<a href="https://www.businessinsider.com/china-calls-xinjiang-uighur-detention-camps-free-vocational-training-2018-10">free vocational training</a>" - even though many of the detainees doctors, journalists, or other professionals.<div class="KonaFilter image-container display-table"><div><div class="image on-image">ReutersA perimeter fence constructed around a detention camp for Uighurs in Dabancheng, Xinjiang. China calls this a "vocational skills education center."</div></div></div>India, meanwhile, has repeatedly said that the Kashmir issue can only resolved bilaterally between India and Pakistan, citing <a href="https://www.businessinsider.com/trump-negotiate-in-kashmir-pakistan-india-2019-7">two historic agreements</a> on the matter. The issue of illegal immigration in Assam and elsewhere is <a href="https://www.aljazeera.com/news/2019/11/india-implement-nationwide-citizenship-count-191120122109336.html">a matter of national security</a>, according to Indian politicians. In October, Indian authorities took a group of mostly right-leaning Members of the European Parliament on a tightly-controlled trip to Kashmir, which included a stay in a luxury hotel and a peaceful boat ride, <a href="https://www.bbc.co.uk/news/world-asia-india-50231022">the BBC reported</a>. The delegation did not witness any clashes or detentions.But Sen. Chris Van Hollen, a vocal critic of Indian policy in Kashmir, was barred from entering Kashmir during a trip to India in early October."I was told it was not a good time" by Indian authorities, Van Hollen told Business Insider. "India's actions are fueling the more extreme elements on the ground," he added, referring to anti-India militants in the region, many of whom are funded by Pakistan.<div class="KonaFilter image-container display-table"><div><div class="image on-image">Adnan Abidi/ReutersSmoke rises from teargas shells fired by Indian security forces in Srinagar, Jammu and Kashmir state, in August 2019.</div></div></div>Darren Byler, a Uighur expert and University of Colorado researcher, said the Chinese and Indian government tours are likely helping quell foreign criticism."I think the people that go on those tours, they understand that this is being staged for them, at least to some extent," he told Business Insider."But they also see it as a way of justifying, saying they've done their due diligence, and they've taken a look at what's happening on the ground - so they can sign off, check the box, to say they've looked into the box, and say there's nothing there."<div class="KonaFilter image-container display-table"><div><div class="image on-image">Thomas Peter / REUTERSA Chinese police officer armed with an automatic weapon gestures towards reporters in Yining, Xinjiang, in September 2018.</div></div></div><h2>Criticism will not be tolerated</h2>China has repeatedly batted away criticism over Xinjiang, saying that its policies helped clamp down on terrorism and violence in the region. Shortly after The Times published the leaked Uighur files, the Chinese foreign ministry <a href="https://www.fmprc.gov.cn/web/wjdt_674879/fyrbt_674889/t1716742.shtml">said</a> its tactics in the region were "worth learning from."India, meanwhile, has <a href="https://www.businessinsider.com/kashmir-crisis-india-accuses-media-fake-news-using-trump-playbook-2019-9">embarked on a disinformation campaign</a> regarding Kashmir, accusing the BBC and Reuters of lying about massive protests in the region <a href="https://www.businessinsider.com/kashmir-india-accuse-bbc-reuters-lying-about-protests-despite-video-2019-8">even though they were recorded on video</a>.While both China and India's actions are driven by nationalism, it's important to note that they're not coordinating on tactics - the two countries have an <a href="https://thediplomat.com/2019/06/modi-2-0-and-indias-complex-relationship-with-china/">extremely complicated relationship,</a> due in part to China's encroachment near Indian territory and its friendly relationship with India's main rival, Pakistan.<div class="KonaFilter image-container display-table"><div><div class="image on-image">REUTERS/Adnan AbidiA signboard on the Indian side of the Indo-China border at Bumla in the northeastern Indian state of Arunachal Pradesh, in 2009. China calls the state South Tibet.</div></div></div><h2>Too big to punish</h2>Another similarity between the Xinjiang, Kashmir, and Assam crises is the lack of tangible, international action against them.<a href="https://www.businessinsider.com/islamic-world-stopped-calling-out-chinas-muslim-persecution-2019-4">Not a single Muslim country is standing up to China over its actions,</a> either to preserve existing economic ties or in response to Chinese threats to suspend future investment. Many Western countries have publicly criticized China's actions in Xinjiang - but have taken limited steps to stop the atrocities.The European Union, for example, has told China to "<a href="https://www.france24.com/en/20190509-eu-urges-china-change-situation-xinjiang">change</a>" its actions but has not taken any tangible steps to ensure it. The 28-nation bloc lacks a coherent view toward China - and Beijing has capitalized on this disunity by <a href="https://www.businessinsider.com/inside-china-playbook-to-pit-eu-countries-against-each-other-2019-3">pitting EU countries against each other to prevent a united policy</a> that could hamper its plans.<div class="KonaFilter image-container display-table"><div><div class="image on-image">Philippe Wojazer/ReutersEuropean Commission President Jean-Claude Juncker, French President Emmanuel Macron, and German Chancellor Angela Merkel with Chinese President Xi Jinping at the Elysée Palace in Paris in March 2019.</div></div></div>Last month the <a href="https://s3.amazonaws.com/public-inspection.federalregister.gov/2019-22210.pdf">US Commerce Department blacklisted</a> 28 Chinese companies, <a href="https://www.businessinsider.com/us-blacklists-china-ai-startups-2019-10">including eight highly-valued AI startups</a>, in response to their role in the "implementation of China's campaign of repression, mass arbitrary detention, and high-technology surveillance" against Muslims in Xinjiang.The sanctions were hailed as a good first step, but there is no evidence of change in China's activities, or any indication that the US will take further measures.An executive at Dahua, one of the sanctioned tech firms, even <a href="https://ipvm.com/reports/dahua-strong-sanction">appeared to celebrate</a> after the announcement, telling <a href="http://www.nbd.com.cn/articles/2019-10-18/1379375.html">a business newspaper</a>: "The fact that we are under the US control list shows that we indeed have a strong technological capability."<div class="KonaFilter image-container display-table"><div><div class="image on-image">Associated Press/Andy WongXi and US President Donald Trump at the Great Hall of the People in Beijing during Trump's state visit in November 2017.</div></div></div>"I think there's a lot of rhetoric - people want to care, they want to project that they're caring, but when it actually comes down to some kind of human or economic cost, they're not willing to take that step," Byler, the Uighur expert, said."They also point a finger at the Muslim-majority countries, saying: these countries aren't even taking a stand at all, or they're supporting the Chinese state," he added. "So that helps them feel justified in saying, 'at least we're condemning it, we've taken that step.'"Aside from written statements of concern, the US has not taken any concrete action against India over its crackdown in Kashmir and Assam either.The House Asia subcommittee <a href="https://sherman.house.gov/media-center/press-releases/asia-subcommittee-to-hold-a-hearing-on-human-rights-in-south-asia-on">held hearings</a> on human-rights violations in the region in late October, and the US Commission on International Religious Freedom <a href="https://www.uscirf.gov/sites/default/files/2019%20India%20Issue%20Brief%20-%20Religious%20Freedom%20Implications.pdf">issued a report</a> this week noting their concern over India's using the citizenship list to tacitly set a religious requirement on citizenship and oppress Muslims.<div class="KonaFilter image-container display-table"><div><div class="image on-image">Mukhtar Khan / Associated PressA Kashmiri woman walks past paramilitary soldiers in Bijbehara, south of Srinagar, Kashmir, in October 2019.</div></div></div>The US is also "highly unlikely" to impose economic sanctions on India over Kashmir, a former US diplomat specializing in South Asia told Business Insider, noting that Washington hasn't sanctioned Pakistan for harboring militants in Kashmir either. The source had declined to be named due to the sensitivity of the issue.But "that doesn't mean that it's okay to apply a communications blockade on an entire region, and put a bunch of people who are mainstream politicians and who used to be in alliances with the ruling Indian government, into preventive detention," the person said.An appropriate venue to raise India's actions in Kashmir would be at the UN Human Rights Council (UNHCR) the diplomat said. But the fact that the US, the most powerful country in the world, quit the UNHCR - <a href="https://www.bbc.co.uk/news/44537372">calling it "hypocritical and self-serving"</a> - has effectively neutered its leadership in human rights and leverage to condemn India's human rights abuses.<div class="KonaFilter image-container display-table"><div><div class="image on-image">Denis Balibouse/ReutersThe UN Human Rights Council in Geneva, Switzerland, in March 2019. The US quit the council in June 2018.</div></div></div>There is also evidence to suggest that UNHCR condemnations don't work: Earlier this year 22 mostly-Western countries <a href="https://www.businessinsider.com/china-joint-letter-condemn-muslim-oppression-no-islamic-signatories-2019-7">wrote a joint letter</a> slamming China's "arbitrary detention and restrictions on freedom of movement of Uighurs, and other Muslim and minority communities in Xinjiang."The harsh language of the letter was outweighed <a href="https://www.businessinsider.com/syria-saudi-nk-support-china-uighur-prison-camps-xinjiang-2019-7">by 37 other countries</a> - including Syria and North Korea - standing up for China.And in September, amid the Kashmir blackout and Assam's citizenship crisis, Trump <a href="https://www.washingtonpost.com/politics/trump-plays-unusual-role-of-warm-up-act-at-massive-rally-for-modi-in-houston/2019/09/22/18cf7a2a-dd50-11e9-8dc8-498eabc129a0_story.html">hosted Modi at a rally in Houston, Texas</a>, where Modi defended his government's actions in Kashmir.What China and India are doing to their Muslim minorities is bleak. But without powerful countries and international bodies willing to take a stand, these persecutions are likely to continue unimpeded. <div class="margin-top"> <h3>NOW WATCH: <a href="https://www.businessinsider.com/secret-service-boot-camp-training-academy-president-security-2019-11">We went inside Secret Service boot camp where recruits get top secret training for their 'zero-fail mission'</a></h3> <div> </div> </div>

China and India are using the same playbook to trample on their minorities, and the rest of the world is too powerless to stop them

To ensure that you are not taken for a ride or lose out on benefits, go through these clauses in your life and health <keyword id="35450" type="COMPANY" weightage="40" keywordseo="insurance">insurance</keyword> policies. 
 
Health insurance 
 
Contribution clause 
 
The health insurance regulations have done away with the contribution clause. So, if you have multiple health covers, you can choose any policy to make a claim. 
 
“While the contribution clause was earlier an inconvenience for the customer, Irda has given the policyholder the right to select a plan of his choice while making a claim,” says Mukesh Kumar, member, executive management and head, HR, marketing and strategy planning, HDFC ERGO. 
 
Earlier, if you had more than one policy, your approved claim amount had to be split in the ratio of the sums insured. Now, you can decide which insurer to approach for the entire claim amount. 
 
Renewability clause 
 
Many senior citizens had complained about insurers refusing to renew policies on grounds of adverse claim experience at a stage when they needed the cover the most. Now, Irda has made it mandatory for insurers to renew a policy except on grounds of fraud, moral hazard or misrepresentation. 
 
“The insurer has to renew a policy on identical terms and conditions on which the first policy was issued. Any variation requires obtaining the specific written consent of the insured,” says consumer activist Jehangir Gai. Claim-based loading, where premiums were hiked because of a claim made in the previous year, too, stands obliterated. 
 
Insurers can load premium only on the basis of overall age-wise and ailment-wise claims experience, among other parameters. 
 
Reasonability clause 
 
According to insurers, this is one of the most common causes of disputes on claim settlement. The clause states that only ‘reasonably and necessarily’ incurred expenses will be eligible for a claim. Clearly, this is a grey area open to interpretation. 
 
“Reasonable charges are arrived at by insurers by comparing the standard billing by a hospital and comparing the same with the prevailing charges in the same geographical area for similar or identical services. Thus, the primary purpose of the reasonable charges clause is to ensure fair billing by hospitals,” says Subrahmanyam B, senior vice-president and head, health, commercial lines and reinsurers, Bharti-AXA General. 
 
For instance, if your hospital charges Rs 1 lakh for a surgery that typically costs Rs 70,000, the insurer will pay the lower amount. Since insurers use their discretion, it can cause heartburn to policyholders. However, independent industry watchers say customers should not accept the company’s decision blindly. 
 
“The new regulations say any denial of claim has to be accompanied by a medical reason. Hence, reasonability clause must not be accepted by the policyholders,” says civic activist Gaurang Damani. 
 
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Exclusions, sub-limits and co-payment clauses 
 
Before signing up for any health policy, you need to check what is not covered. All policies exclude certain expenses, impose sub-limits within the overall sum insured and insist on the claimant sharing a part of the claim burden. 
 
In case of exclusions—expenses that insurers need not pay for—the scope for ambiguity has shrunk, thanks to the Irda putting out a list of 199 such expenses as part of standardisation norms. You also need to watch out for the waiting period for various conditions. 
 
For instance, policies do not entertain any claims, except the ones related to accidents, in the initial 30 days. “A general waiting period of 24 months is applicable for named surgeries or illnesses, such as cataract, gall bladder stones, kidney stones, and so on. 
 
For all pre-existing conditions declared and accepted at the time of application, the waiting period is 48 months,” says Kumar. 
 
Sub-limits and co-payment clauses limit the insurer’s liability. In case of a co-payment clause, which is typically part of senior citizens’ policies, insurers could agree to pay, say, 80% of the approved claim, with policyholders having to chip in with the rest. 
 
<keyword id="6406875" type="COMPANY" weightage="40" keywordseo="life-insurance">Life insurance</keyword> 
 
Indisputability clause 
 
This ensures that insurers do not arbitrarily dismiss claims on grounds of inaccurate declaration by the policyholder. 
 
According to Section 45 of the Insurance Act, insurers cannot question a policyholder’s declaration after two years of the date of issuing the policy, citing inaccurate or false statement made in the application or any report of the medical officer. 
 
Free-look clause 
 
The proposition is simple: if you are not happy with the policy that you have been sold, you can choose to return it and get a refund. The clause is meant to be an antidote to mis-selling of policies. Under this rule, you have the option of returning the policy within 15 days of receiving the policy document. 
 
Remember, the period starts from the day you receive the policy documents and not the date of issue. It is applicable to life and health insurance policies with a tenure of three years or more.

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China and India are using the same playbook to trample on their minorities, and the rest of the world is too powerless to stop them

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Clauses You Must Read Before Buying An Insurance Policy

Economic Times