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Does Top-up Health Insurance Depend on Primary Cover?




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Health insurance has become a must for everyone owing to the ever-rising expenses of medicines, hospitals, ICU, etc., who wants to have at least one medical insurance plan in place for the security of him and his/her entire family. If you wish to one health insurance plan that covers your family’s financial, medical needs, you must go for the Family Floater Health Insurance Plan. However, several other plans can help you cover other medical conditions such as critical illnesses, high individual cover, group insurance, and more.  

To cover your varying needs, there are numerous other medical insurance plans such as Individual Health Insurance Plan, Critical Illness Health Insurance Plan, Senior Citizens Health Insurance Plan, Top-Up Health Insurance Plan, and more. All the plans provide some standard benefits like giving cover for pre-and-post hospitalization, cashless transactions, cover for medical check-ups, etc. To know more about these plans, you can visit Bajaj Finserv’s website. The plans can be procured online at affordable premiums, and high sum insured. 

What is a Top-up Health Insurance Plan?

One of the plans that provide added benefits over your already existing medical insurance cover is the Top-up Health Insurance cover which provides additional cover other than the existing one. So, for instance, you have an Individual Health Insurance Cover in place. You can also avail of a Top-up insurance cover which will provide an additional sum insured of anything between Rs. 5,00,000 to Rs. 50,00,000 based on your preference.

A Top-up health insurance plan can cover up to 6 family members, helping you have more comprehensive coverage over your already existing insurance plan. One of the significant benefits is that a Top-up cover allows you to lower the waiting period for a pre-existing health cover to 12 months. It covers maternity expenses, organ donor expenses and also provides an ambulance cover. 


Is Top-up Health Insurance Dependent on Primary Cover?

A Top-up health insurance cover has two main things considered while raising claims- (a) sum insured (b) deductible limit. While we all know what the sum insured is, a deductible limit is the set limit to which the insurer is not liable to pay. So, whether the additional claim over your already existing plan will be covered or not is dependent on the deductible limit of your plan. 

Every claim is taken into consideration independently against the deductible threshold. This means that every time you raise a claim, the deductible threshold will be the lower limit always. Only after your claim amount exceeds the deductible threshold, that the claim will be settled. However, if you do not want this to happen, you can consider procuring health insurance that does not have a generic deductible threshold. The yearly claims aggregate is considered the deductible threshold within the policy year in such a cover. 

Top-up plans are not reliant on the primary cover

This means that irrespective of whether you have exhausted your primary insurance claim or not, you can still opt for a top-up health insurance cover. The only thing to consider is the deductible threshold amount as mentioned above. It is always advisable to buy a top-up insurance cover with a low deductible threshold limit and then divide your claim between primary and top-up insurance plans. 

A top-up insurance plan works as an additional cover for the enormous medical/hospital expenses incurred in treatments for long-term illnesses. While your regular insurance covers may be sufficient, they still cannot cover the extensive medical expenses that can arise anytime due to a medical complication or otherwise. But with a top-up plan, you are entirely safe against extra costs as well. 


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Health benefits of Walking after eating




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Health benefits of Walking after eating :The advantageous effects of workout on fitness have been verified time and time again. But if you could’t suit exercising or hitting the gym in your time table, then some thing as simple as strolling simply is probably the solution.   

In current years, a developing trend in the health and fitness network is to take a brief walk after dinner to yield diverse health advantages. According to the National Center for Biotechnology Information (NCBI), strolling burns energy, activates your digestive system and facilitates get the ones vitamins absorbed higher.    

It must be noted that the proper stroll duration advocated with the aid of the Centers for Disease Control and Prevention (CDC) is 30 minutes. However, if someone can not manage this, they could spoil the quantity into shorter walks and gradually growth the period when they experience extra relaxed.   

We’ve indexed for you a few capability blessings of on foot after ingesting, as recommended by means of the National Institute of Health (NIH), take a look! 

Health benefits of Walking after eating

 Improves digestion 

Walking offers a boost to the manner your digestive device works. When you walk after having dinner, your frame produces greater gastric enzymes and your stomach works efficiently to assimilate the vitamins it has absorbed. Better digestion also method you’ll be less at risk of constipation, bloating, heartburn and acid reflux symptoms. 

  Boosts metabolism   

If you need to enhance your metabolism, don’t lay on that couch after consuming. Go out for a walk as an alternative! Walking helps you burn more energy and stay healthy. If you need to burn that cussed stomach fats, this might be the great answer.  

  Regulates blood sugar stage 

Walking after dinner for diabetics works wonders and facilitates in prevention too. Your glucose degrees height 30 minutes after a meal. When you cross for a walk, you come to be making use of a number of the glucose to your blood. Thus, strolling after having a meal continues your blood sugar in test and eliminates the threat of hyperglycemia.  

 Supports mental health 

Walking is a probable manner to improve intellectual health. This is as it reduces pressure hormones, consisting of adrenaline and cortisol. When someone goes for a stroll, the frame releases endorphins that act as natural painkillers. These decrease soreness, raise mood, lessen pressure and result in feelings of relaxation.   

Reduces cravings  

If you’re the type who reaches out for late-night time snacks and bad meals earlier than going to mattress, take a stroll. It will help you feel extra satiated after your meal and reduce cravings evidently. 

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It’s All About The FIELD ASSISTANT JOB Guide




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The title of “field assistant” incorporates a few sorts of occupations, however, as a rule, these experts go with more elevated level representatives to aid fieldwork, everything being equal. They frequently work for natural or agrarian organizations, going out into the field (now and again in a real sense) to gather tests and record information. Planned field associates ought to hope to invest a lot of energy outside, working in occasional positions. There are many government job opportunities where you can grab the field assistant job like village field assistant.

Field Assistant Job Duties

Field assistants working for natural and horticultural organizations regularly follow alongside field professionals to give help as experts take care of their responsibilities. Field specialists typically direct tests to decide the sources and ecological effects of toxins with an end goal to forestall general wellbeing dangers, natural corruption, and infringement of natural and general wellbeing laws. Field associates might help professionals in taking soil and water tests, performing research center tests, examining contamination sources, getting ready reports, and discussing their discoveries with customers.




Day by day assignments for a field assistant might include:


  • Visiting fields to screen weeds, sickness improvement, and bug development.
  • Collecting soil, tissue, and tests from fields for examination.
  • Recording test information for research.
  • Attending gatherings.
  • Providing help with the information section.
  • Assisting with research work and different activities.
  • Field planning.
  • Leading examinations to distinguish and resolve issues.


Filling in as a field partner permits these passage-level experts the chance to hone their logical abilities and even discover mentorship from more experienced researchers and other talented workers. Field collaborators should look for criticism, cut out a specialty in each work in which they need to hone their aptitude, and exercise abilities and qualities that enhance and supplement their bosses’.

Read More: Know your basics from School to Prepare for Government Exams

Bonus:  There are not only field assistant jobs available, but you can start your career as High Court Assistant. It is a perfect job if you want an indoor job. You can read Kerala High Court Assistant Syllabus and then apply for this wonderful job.

Expertise and Education Requirements

Since field collaborators frequently work with recording and dissecting information, they ought to have solid observational, numerical, scientific, and record-keeping abilities. Field official obligations and obligations additionally remember working with PCs and capability for programmings like Microsoft Outlook, Word, and Excel. These experts ought to exhibit abilities in association and correspondence, and adaptability with their work prerequisites and area. Most managers incline toward these experts to hold a partner degree, and some may expect them to have extra information –, for example, of natural cultivating and ecological laws – relying upon the sort of organization.



Planned field colleagues ought to appreciate working outside and on an occasional premise. Most businesses require field collaborators to hold a substantial driver’s permit since their work might call for the movement to and inside different field areas. These experts ought to be genuinely equipped for strolling over lopsided surfaces and openness to open-air conditions. These conditions might incorporate chilly climate and openness to mosquitoes or ticks, contingent upon the current environment. Other actual prerequisites might incorporate conveying weighty items, slouching throughout for extensive stretches of time or in any event, paddling, whenever appointed to gather and test information in-stream conditions.

Also Read: Tips to Help You Crack the UPSC Exam

The most effective method to Become a Field Assistant

In case you’re keen on turning into a field assistant, one of the primary interesting points is how much schooling you need. Not set in stone that 67.9% of field associates have a four-year college education. As far as advanced education levels, we tracked down that 6.3% of field associates have graduate degrees. Despite the fact that most field associates have a higher education, it’s feasible to become one with just a secondary school degree or GED.

Picking the right major is consistently a significant advance while investigating how to turn into a field assistant. At the point when we investigated the most widely recognized majors for a field colleague, we found that the most ordinarily acquire four-year college education degrees or partner degree degrees. Different degrees that we regularly see on-field right-hand resumes incorporate secondary school confirmation certificates or graduate degree certifications.

You might find that involvement with different positions will assist you with turning into a field partner. Indeed, many field partner occupations require insight in a job like an entry-level position. In the meantime, many field assistants likewise have past vocation experience in jobs, for example, research right hand or volunteer.



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