Get subscribed to our newsletter
Get interesting updates to your email inbox.
March 10, 2017: Rising costs of medical care and increasing instances of illnesses have made the need of health insurance clear across the country. To ensure that your medical costs are taken care of, a health insurance cover is essential. From young adults to senior citizens, everybody should have a health insurance plan.
With a wide range of health insurance companies offering an insurance cover for your health, it requires research for you to choose the one that is most suitable. A health insurance plan provides a cover for medical expenses arising out of hospitalisation and certain other medical expenses. The premium for the same depends on various factors that include age, previous medical history, profession, gender and whether you are a new policyholder. A good health insurance plan provides you with the best treatment for your disease and will also ensure that the expenses are covered.
There are two variants in a health insurance policy:
- Regular Mediclaim Policy: A plan that reimburses hospital bills up to the sum insured chosen.
- A Top-Up Health Plan: You can either pick a top-up health plan or choose a regular plan with the option of top-ups.
A top up health insurance coverage is like a regular mediclaim policy, albeit with high deductibles rendering the policy much cheaper than regular plans. This can be purchased as a separate policy. The aim behind the top up plan is to provide an extra cover at a reasonable price. You can get an additional health cover without having to pay a large sum. It is very important to check the deductible criteria for a single illness.
Some private insurers like Apollo Munich offer the option to even convert your top-up plan into a regular plan at certain life stages, like retirement. This is a useful feature considering the Healthcare inflation of 20% per annum in India.
A top-up plan offers health insurance coverage for the insured over and above the regular health insurance policy he/she already has. It is a cover which will reimburse the expenses once you have exhausted your limit for the policy. A top-up health insurance coverage is ideal when you want to expand your plan and not pay a huge amount. Small illness or diseases will exhaust the amount of your regular policy while a top up will help you cover additional expenses which exceed the limit.A top-up health plan will play its role for the same instance of illness or hospitalization when you have exhausted your specified limit in the basic plan. This means that if you have an insurance of Rs. 2 lac, and your cost of treatment is exceeding that, the top-up plan will come into action once your primary health cover is exhausted.
Follow NewsGram on Facebook
No Medical Check-up Required
Another benefit of a top up health plan is that most insurance companies do not require a medical check-up up to the age of 55 years.
Covers All Types of Hospitalisation Costs
When you take a normal health insurance policy, there will also be a choice of rider for you. A rider, such as a critical illness rider, will provide a cover for a few serious illnesses which have been previously specified. In contrast, a top up will cover hospitalisation costs arising out of all treatments covered by the basic policy.
When Top-up is Not Used
The characteristic of a top-up plan is to provide a cover for one single hospitalization incident. This means during a single hospitalization incident, if your bill exceeds the deductible amount, only then the top-up plan will be used. Now, if an individual has a top up plan and is hospitalized twice in a year, but does not exceed the deductible amount in a single instance, then the top up plan will not be applicable. You should also be clear on what the policy deems as a single illness, etc.
A top-up plan is an ideal and easy way to expand your insurance cover without having to spend a huge sum of money. It being an independent policy, you do not need to purchase a regular policy to activate the top-up plan. It will help you cover additional expenses and provide for the rising costs of medication. Depending on your age, medical condition, and requirement of the plan, you can choose the appropriate top-up plan.
As robots evolve to do more work around us, the UK-based humanoid robot manufacturer Engineered Arts has infused more human-like facial expressions into one of its robots, which may leave you with an eerie feeling.
In a video posted on YouTube, the robot called 'Ameca' displays various human expressions, like appearing to "wake up" from sleep, as its face shows confusion and frustration when it opens its eyes.
Follow NewsGram on Twitter to stay updated about the World news.
Once awake, 'Ameca' starts looking at its hands and arms, opens its mouth and raises its eyebrows, just like a human does.
At the end of the video, Ameca smiles and holds a welcoming hand out towards the viewer.
According to Engineered Arts, the humanoid bot is currently unable to walk and it is working towards giving it the ability in the near future.
"Designed specifically as a platform for development into future robotics technologies, 'Ameca' is the perfect humanoid robot platform for human-robot interaction," says the company.
The 'Ameca' hardware is a development based on its own research into humanoid robotics and built on its advanced 'Mesmer' technology.
Ameca' on display at the CES 2022 conference in Las Vegas in the US in January.Unsplash
Also read: NASA humanoid robot dances to technology
Engineered Arts is slated to put 'Ameca' on display at the CES 2022 conference in Las Vegas in the US in January.
"Human-like Artificial Intelligence needs a human-like artificial body. Artificial Intelligence and Machine Learning systems can be tested and developed on Ameca alongside our powerful 'Tritium' robot operating system," the company posted on its website. (IANS/PR)
(Keywords: Humanoid Robot, Ameca, Technology)
Microsoft has disrupted the activities of a China-based hacking group, gaining control of the malicious websites the group used to attack organisations in the US and 28 other countries around the world.
The Microsoft Digital Crimes Unit (DCU) said in a statement that a federal court in Virginia granted its request to seize websites of the hacking group called 'Nickel', enabling the company to cut off Nickel's access to its victims and prevent the websites from being used to execute attacks.
Follow NewsGram on LinkedIn to know what's happening around the world.
"We believe these attacks were largely being used for intelligence gathering from government agencies, think tanks and human rights organisations," said Tom Burt, Corporate Vice President, Customer Security and Trust at Microsoft.
Obtaining control of the malicious websites and redirecting traffic from those sites to Microsoft's secure servers will help the company protect existing and future victims while learning more about Nickel's activities.
Also Read : Fortnite : A Gold Mine for Hackers
"Our disruption will not prevent Nickel from continuing other hacking activities, but we do believe we have removed a key piece of the infrastructure the group has been relying on for this latest wave of attacks," Burt said late on Monday.
To date, in 24 lawsuits - five against nation-state actors -- Microsoft has taken down more than 10,000 malicious websites used by cybercriminals and nearly 600 sites used by nation-state actors.
"We have also successfully blocked the registration of 600,000 sites to get ahead of criminal actors that planned to use them maliciously in the future," the tech giant informed.
"We believe these attacks were largely being used for intelligence gathering from government agencies, think tanks and human rights organisations."Unsplash
In some observed activity, Nickel malware used exploits targeting unpatched on-premises Exchange Server and SharePoint systems.
"However, we have not observed any new vulnerabilities in Microsoft products as part of these attacks. Microsoft has created unique signatures to detect and protect from known Nickel activity through our security products, like Microsoft 365 Defender," the company noted.
Nickel has targeted organisations in both the private and public sectors, including diplomatic organisations and ministries of foreign affairs in North America, Central America, South America, the Caribbean, Europe and Africa. (IANS/SP)
(Keywords : hacking, China, Microsoft, website, victim, intelligence, attack, malicious, traffic, server, company, disruption, lawsuits, cybercriminals, vulnerability.)
- Chinese Cyber Operations Scoop Up Data For Political, Economic ... ›
- Hackers Steal $120mn In Crypto From Blockchain-based DeFi ... ›
Chip manufacturer MediaTek on Monday announced that it is focused on making 2022 a year aimed at rapid growth, business success, substantial expansion in Research and Development capabilities.
MediaTek's plans to boost technology democratisation and enable access to disruptive connectivity with its range of mainstream to flagship 5G chips.
"We at MediaTek are focused on making 2022 a year aimed at rapid growth, business success, and substantial expansion in our R&D capabilities. For 2022, we are focused on further strengthening our presence in India, offering incredible experiences to customers, and supporting the country's technology initiatives with our expertise and collaboration with leading OEMs," Anku Jain, Managing Director, MediaTek India said in a statement.
Follow NewsGram on LinkedIn to know what's happening around the world.
In the flagship segment, MediaTek recently announced the Dimensity 9000 chip, which is a milestone of innovation and a rise to the incredible, built-to-power flagship 5G smartphones in the world, the company claims.
MediaTek Dimensity 9000 features a single Cortex-X2 performance core clocked at 3.05GHz, three Cortex-A710 cores at 2.85GHz and four Cortex-A510 efficiency cores at 1.8GHz.
It packs a 10-core Arm Mali-G710 that takes care of graphics processing, the report said.
The chipset also comes packed with MediaTek's fifth-generation APU with six total cores for AI processing.Unsplash
Also read: Realme Unveils First 5G Smartphone
The chipset also comes packed with MediaTek's fifth-generation APU with six total cores for AI processing.
The chipset can handle screens with up to a 180Hz refresh rate at Full HD+ resolutions. It is also the first chipset to have an 18-bit image signal processor, offering the ability to capture 4K HDR video using up to three cameras at the same time, or still photos using up to a massive 320MP sensor. (IANS/PR)
(Keywords: 5G, smartphones, Mediatek)