71201X Avaya Aura Core Components Implement Certified exam plan | http://babelouedstory.com/

71201X exam plan - Avaya Aura Core Components Implement Certified Updated: 2023

Precisely same 71201X questions as in real test, WTF!
Exam Code: 71201X Avaya Aura Core Components Implement Certified exam plan June 2023 by Killexams.com team
Avaya Aura Core Components Implement Certified
Avaya Components exam plan

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Question: 38
Which statement about Branch Session Manager in Avaya Aura® 7.x is true?
A. It is a combined Avaya Aura® Communication Manager (CM), Branch Session Manager (BSM) and Utility Server
(US) Template in OVF format.
B. It is a solution template.
C. It is a standalone OVA Open Virtualization Application (OVA).
D. It is a combined Avaya Aura® Communication Manager (CM) and Branch Session Manager (BSM) Template.
Answer: C
Question: 39
Which communication Manager Reset level takes less than 10 seconds, and preserves stable calls as well Error and
Alarm logs?
A. Reset System 4
B. Reset System 3
C. Reset System 2
D. Reset System 1
Answer: A
Question: 40
Which two options represent a function of a Digital Signal Processor (DSP)? (Choose two.)
A. Convert from Signaling to Audio.
B. Convert between two different Codecs.
C. Analyze and route SIP Signaling.
D. Convert between Analogue speech & Digital Audio.
E. Perform Gatekeeper functions.
Answer: B
Question: 41
Under which circumstance would an Avaya Aura®Session Manager (SM) alarm be automatically cleared?
A. After 24 hours of the alarm’s first report occurrence
B. When the alarm condition has been resolved
C. If an automatic alarm clearing rule has been specified
D. During the automatic nightly Avaya Aura® System Manager (SMGR) alarm clearing
Answer: B
Question: 42
Which product enhances the SIP User experience by providing a multitude of end-user features?
A. Avaya Aura® Communication Manager
B. Avaya Aura® Session Manager
C. Avaya Aura® System Manager
D. Application Enablement Services (AES)
Answer: A
Question: 43
Which product from the Communication Bundle provides security for the solution addressing issues in SIP-based
A. Avaya Aura® Conferencing (AAC)
B. Avaya Aura® Messaging (AAM)
C. Avaya Session Border Controller (SBCE)
D. Avaya Aura® Application Enablement Services (AES)
Answer: C
Question: 44
Avaya has a range of servers available (both virtualised and non-virtualised) .
What are these servers called?
A. Avaya Engagement Platform (AEP)
B. Avaya Solutions Platform (ASP)
C. Avaya Server Platform (ASP)
D. Avaya Enterprise Platform (AEP)
Answer: C
Question: 45
Which Communication Manager feature deals with the routing of Public Calls?
A. Uniform Dial Plan
B. Automatic Alternate Routing (AAR)
C. Automatic Route Selection (ARS)
D. Dial Plan Parameters
Answer: B
Question: 46
The Avaya Aura® Communication Manager Duplex Cluster has a key IP address that applications and H.323
endpoints will communicate directly with.
What is this IP address more commonly known as?
A. CM Application address
B. Duplex IP address
C. Communication address
D. Alias IP address
Answer: C
Question: 47
Which communication application product is a multi-protocol Application Platform that can add advanced
functionality through the use of snap-ins?
A. Avaya Aura® Application Enablement Services (AES)
B. Avaya Session Border Controller (ASBCE)
C. Avaya Breeze®
D. Avaya IX Messaging
Answer: C
Question: 48
Which two backup methods are available for Avaya Aura® Communication Manager (CM) through the SMI Web
Interface? (Choose two.)
A. local (to CM own local Hard-Disk)
B. remote via RAS protocol onto an external file server
C. remote via SCP protocol onto an external file server
D. remote via SMS messages
E. remote via FTP onto Avaya Aura® Media Server’s data storage
Answer: A,C
Question: 49
Which two products are Avaya Aura® Core components? (Choose two.)
A. Avaya Aura® System Manager
B. Avaya Aura® Communications Manager
C. Avaya Session Border Controller
D. Avaya Aura® Conferencing
E. Avaya Aura® Multimedia Messaging
Answer: A,B
Question: 50
In Avaya Aura® Communication Manager (CM), to create new codes to activate/deactivate
call forwarding, which SAT command must you use?
A. new feature-code
B. add feature call-forward
C. change fac
D. change feature-access-code
Answer: D

Avaya Components exam plan - BingNews https://killexams.com/pass4sure/exam-detail/71201X Search results Avaya Components exam plan - BingNews https://killexams.com/pass4sure/exam-detail/71201X https://killexams.com/exam_list/Avaya Components of a Sales Plan

In increasingly complex markets, an effective sales plan will help your company prosper, leading to long-term improvements in profitability. A great plan will help your sales force identify better prospects, close more deals, secure more repeat business and ultimately deliver greater value to your business. There are five key steps in an effective sales plan that together build a potentially lasting bond between your company and your customers.

Prospecting for Customers

  1. Prospecting for business is an ongoing process of market assessment designed to identify and target key purchasing decision makers and set target sales volumes based on past performance and current market knowledge. An effective salesperson will focus on identifying targets for further sales from current customers, as well as looking for ways to extend reach into new territories. A good sales plan will set out key areas identified for potential development to help provide focus to the salesperson. Depending on the nature of the business and its products, prospecting may involve a wide range of activities from cold calling to trade shows and networking events.

Qualifying Leads

  1. Not all leads will result in meaningful business and this stage of the plan should set out how to progress potential leads. Your sales force must be able to assess customer needs and position the offer in such a way that it makes economic and business sense. A successful outcome at this stage would be for a prospect to request further information and detail on the offer; this may be simple clarification on price or volume, or may require a more detailed specification against specific requirements. Either way your salesperson must be able to convey your company's exclusive selling proposition and be conscious of market competitors.

Business Proposals

  1. This is the point at which your salesperson sets out the offer and financial deal in the clearest, most beneficial terms. The decision maker, must at this stage, be able to evaluate the offer and become convinced your company is able to deliver on promises if a deal is to be concluded. Incorporating an evaluation plan into your proposals can help clarify detailed outputs for a potential customer, facilitating an easier decision making process.

Decision Making

  1. Decision making is deceptively difficult and an important part of a strategic approach to sales. For example, agreeing on the final details of a product or service specification and determining the value of the contract requires careful consideration. Agreeing to deliver too much for too little revenue will harm your company's profitability, while walking away from a deal for the sake of a minor consideration is equally damaging. Whatever the outcome at this stage, both parties must be happy with the deal.

Getting Repeat Business

  1. It is often said that getting repeat business from your existing customer base is far easier than generating new business. This truism means that once you've concluded a deal it's important to maintain a positive working relationship with your customers. Keep in touch with them and check on a regular basis whether they have further needs you can help them with while bearing in mind that they can be powerful advocates for your company.

Mon, 23 Jul 2018 17:09:00 -0500 en-US text/html https://smallbusiness.chron.com/components-sales-plan-46507.html
Final exam Policy

To protect and strengthen the academic integrity of the final examination week at the University of Dayton, the following policy on final examination week has been adopted effective for the 2004-05 academic year[1]

  • Final examination week is defined as the sum of one full week of scheduled examinations, the weekend immediately preceding, and a minimum of one study day. Multiple study days are preferred.
  • Every course of study, undergraduate and graduate, must conclude with an academically rigorous culminating learning experience, normally a final examination. A culminating learning experience may involve traditional in-class examinations, presentations, performances, critiques, portfolios or other similar experiences. Laboratory, studio, or similar courses may be regularly exempt from this requirement, with the approval of the department chair and a designated administrator in the office of the dean.
  • No new material may be introduced in a course after the last scheduled class meeting. No final examination may be scheduled at a time other than the time prescribed by the Registrar during final examination week, with the sole exception of block examinations. No final examination of any kind may be given prior to final examination week. Any exceptions must receive the approval of the department chair.
  • A block examination is a common examination that covers several sections of the same class, taught by different instructors, for the purpose of establishing a uniform scale of achievement. Such examinations are scheduled through the registration office. Multiple sections of a class, taught by the same instructor, are not eligible to provide block examinations unless they are part of a class taught by more than one instructor.
  • Grades for all students, including graduating students, will be reported by a single deadline, as determined by the Registrar.
  • When a student has three or more final examinations scheduled for the same day, faculty are encouraged to accommodate the individual student on an alternative day agreeable to both the student and the instructor. The student must make the request by the last scheduled class meeting.
    • When a student with a disability has two or more final exams scheduled for the same day, faculty are encouraged to accommodate the individual student on an alternative day agreeable to both the student and the instructor which may include use of an alternative testing site. The student must make the request by the last scheduled class meeting.[2]
  • Students must have access to graded examinations for a period of six months after the examination has been given.
  • Any on-going or regular exception to the final examination policy requires the approval of the department chair and a designated administrator in the office of the dean.
  • The School of Law is exempt from this policy, due to its independent academic calendar.

[1] Approved by the Academic Senate December 12, 2003, document number I-03-10, Final Examination Week

[2] Amendment to Academic Senate document number I-03-10, Final Examination Week, approved February 6, 2004

Sun, 14 May 2023 13:03:00 -0500 en text/html https://udayton.edu/fss/_resources/components/registrar/final-exam-policy.php
How To Write A Business Plan

There are a few best practices to keep in mind when you are creating your business plan.

Do your best. You may not have all the answers your first time through your business plan, and that’s ok. Just do your best and include the information you have. The activity of writing your business plan will help you identify where the holes are. As you pursue your business, you will gain more knowledge, information, and insight that you can continue to add to your business plan over time and fill in the holes.

Use a template. You don’t have to reinvent the wheel when writing your business plan. Choose an easy-to-follow, standard business plan template, such as the MOBI Free Business Plan Template provided in this course and on our website. Using a template can help ensure that you include all the important topics. A template will also keep you organized as you research and document information about your business. Using a template can help you see what information you have and what information you need.

Tell a story. Even though your business plan will describe very different aspects of your business, all of the information you include should be cohesive and tie together. Think of your business plan as the story of your business. This story should be present in every aspect of your business plan, and it should be clear to your audience how each part fits into the whole to create and support the story.

Be thorough, detailed, and specific. Be as detailed, specific, thorough, and accurate as possible. Use clear, concise language and be realistic in the information you provide. Allow yourself plenty of time, and dedicate yourself to producing your best effort. When conducting research, try to look at several different sources of information. When studying your industry, look at more than one business. Be realistic about your financial situation and the needs of your business, as well as the opportunities.

Make it visually appealing. If you are sharing your business plan with others, be mindful of the presentation. While the information included in your business plan is most important, if the presentation is messy or filled with errors your audience may not read it. Does your business plan look nice? Is it organized? Is there a title page, table of contents, or section headlines, and page numbers? In case you leave it behind with someone to review, does it have your name and contact information? Have you proofread to make sure there are no errors, typos, or messy formatting mistakes? Have you included graphic elements like your logo, graphs, perhaps photos or drawings, things that provide interest and well as information. Your business plan can be a valuable selling tool, so be sure it’s visually appealing.

Keep it current. As mentioned earlier, industry and economic trends change all the time and can impact your business and business plan. Take your business plan out once a month, or in a frequency that works for you, and read it. If anything has changed, update it. This way you can be sure you are ready when an opportunity arises, for example to talk with a potential investor, customer, partner, or employee.

Set realistic goals. It would be nearly impossible to sit down and write your business plan in one afternoon or one day. Set a realistic goal for yourself to complete different parts as it works for your schedule. Perhaps you break it down by week or month? For example, next month you could devote to researching all the financial information required for your business, and then you write that part of your business plan.Then perhaps you focus on marketing after that. It’s also helpful to just get your ideas on paper. You’ve got to start somewhere, and it’s often easier to start with words already on a page than with a blank page.

Get feedback. Share your business plan draft with trusted advisors or experts in your intended industry to get their advice and use their input to revise and Strengthen your plan.

Start at the beginning, again. Once you have completed your first draft of your business plan, go back and reread your Executive Summary. After having done all the research and deep thinking to populate all of the other sections, did you learn anything new that changes your overall summary? If so, make those changes while the ideas are fresh in your mind.

Thu, 30 Jun 2011 10:52:00 -0500 en text/html https://www.scu.edu/mobi/business-courses/starting-a-business/session-2-the-business-plan/
What Are the Components of a Global Business Plan?

An executive summary describes the owner's goals and targets. An executive summary includes components, including but not limited to, a business overview, which describes the company, the projected market and the intended product or service. Include financial results, such as capital growth and profits, advises Allegro Invest. Provide any investment requirements for business operations. In an example offered by the website, BPlansWest, Pacific Marketing opens its Executive Summary, "West Pacific Marketing Consultants aims to provide marketing services to targeted business environments in Indonesia, Asia, and the west Pacific region."

Thu, 19 Jul 2012 22:16:00 -0500 en-US text/html https://smallbusiness.chron.com/components-global-business-plan-1070.html
How to create a bulletproof estate plan

Your executor will remember you more fondly if you organize your estate-planning paperwork and financial records, and store them in a safe yet accessible place. Keep the original documents in your lawyer's vault or in a bank safe-deposit box or home safe. Be aware that if your spouse or someone else is not the co-owner of your safe-deposit box, your executor may have to file a petition with the court for permission to open it.

Pull together any of the documents your executor will need, such as the deed to your burial plot; insurance policies; statements from your bank, brokerage house, and mutual-fund accounts; and pension and other employee-benefit information. Maintain an up-to-date list of your assets, the names and telephone numbers of your legal and financial advisers, and an inventory of the items in your safe-deposit box. Store such documents at home in a locked, waterproof, and fireproof metal box, file cabinet, or safe.

Do not forget about your digital assets, such as an online stock-trading account. "Keep a separate list of your accounts and passwords and put it in a safe-deposit box or a vault, or provide it to a person you trust," David A. Shulman, an estate-planning attorney in Fort Lauderdale, Fla., said.

And finally, review your estate plan at least every five years. Make sure all of your documents still reflect your desires, and that your beneficiaries and financial and health care proxies are still willing and able to serve. In addition, you should revisit your estate plan if Congress revises the estate-tax law or whenever there is a major change in your life, such as a birth, death, marriage, or divorce.

Fri, 03 Mar 2023 06:18:00 -0600 en-US text/html https://www.consumerreports.org/cro/2013/11/how-to-create-a-bulletproof-estate-plan/index.htm
Exam plan: needs more

A COLLEGE principal who advised the Government on radical changes to the exam system believes plans announced this week do not go far enough.

Bury College principal Dr Helen Gilchrist wanted GCSEs and A-levels to be scrapped in favour of a new academic and vocational diploma system.

Dr Gilchrist was part of a working group that helped to compile the Tomlinson Report into education for 14 to 19 year-olds.

As part of a White Paper published as a response on Wednesday, Education Secretary Ruth Kelly announced that present qualifications would be retained.

However, she added that pupils would be able to study vocational subjects from the age of 14, alongside basic subjects such as maths and English.

The plans include new grades to stretch more able students, and a new general diploma for students who gain five A* to C-grade GCSEs.

Dr Gilchrist, who spent 18 months on the working group, welcomed some changes but maintained that more were needed.

She said: "I am delighted that the White Paper includes a lot of the recommendations made in the report.

"However, it does not take on our recommendation for an overarching system of diplomas for academic as well as vocational qualifications.

"We felt that would put an end to the academic and vocational divide.

"We were asked to be radical, and I think that the Government has backed away from the final radical step that was needed."

However Mr Frank McCarron, headteacher at St Monica's RC High School in Prestwich, said the present system was fundamentally correct but needed to be expanded.

He said: "For the last ten years we have put a lot of hard work into building up quite a respected system.

"I don't think that you should destroy everything just to cater for vocational skills.

"There is a good exam and assessment system in place for the majority.

"It doesn't cater for all the students but we are working hard in the present system to cater for those children.

"We should provide them greater access to the curriculum by adding new courses that are vocational and that young people can use to get a job."

Sun, 28 Mar 2021 10:00:00 -0500 en text/html https://www.lancashiretelegraph.co.uk/news/5793412.exam-plan-needs/
Components of a financial plan?

In the last few years, financial planning has emerged as the gateway to your financial future. Here we look at the components of financial planning and what it entails. We also look at the components of a financial plan in terms of the steps to achieve your financial goals in life. Where does financial planning start? Every person has goals in life and these goals have financial implications so they have to be planned for. For example, your retirement has to be planned, the education of your children in premier universities has to be planned, your home loan margin has to be planned and even a foreign holiday needs to be planned. Let us go ahead and look at are components of a financial plan?

Components of a financial plan?

Financial planning is not a one-time activity but a continuous process. One way to understand financial planning is to look in detail at the components of financial planning. The genuine financial planning can be done with your advisor or you can also adopt a do-it-yourself DIY model using Robo-advisors. That choice is yours. However, that does not in any way change the components of financial planning. Here is a quick look at 7-steps that act as the components of financial planning.

  1. Needless to say, there is no plan without clear financial goals so start with your financial goals. If you don’t know where you want to reach, it does not matter how fast you run or what strategy you adopt. The next thing about goals is to break up these goals into short-term goals and long-term goals. Typically, short-term goals are the ones you have to achieve in the next 3-5 years while long-term goals stretch from 10 to 25 years.

  2. Once you have done the goals part, the next step is to look at your net worth, monthly budgets, and cash flows. They are the key inputs for your plan. Among the various components of financial planning, this is a preliminary but very important stage. Net worth is the total of your assets less your liabilities. Cash flows are your current earnings from salary, business, dividends, interest and break them into predictable and unpredictable sources.

  3. You can never work your financial plan successfully if you are living under a mountain of debt. Having 7 credit cards and 4 personal loans is not the way to start. Too much debt also impacts your credit score, so keep avoiding high-cost debt and only borrow for creating assets like your mortgage loans.

  4. We all dream of a comfortable life in our sunset years and therefore retirement planning has assumed a lot more important in the current context. Here you need to consider factors like health costs, cost of living, inflation, your ability to earn, life expectancy, etc. With better medical facilities, people are living longer and that is resulting in the need to make your corpus last much longer.

  5. Do you have a contingency fund to fall back upon? There are so many contingencies you need to put up with. You could lose your job or get hit with an unexpected medical bill or may have to support an old relative. In such cases, an emergency fund can help you avoid tapping your long-term savings. It always makes sense to start by putting aside about 5-6 months of monthly spending in liquid assets like a liquid fund or a money market fund for safety, liquidity, and returns that are better than a savings account.

  6. Don’t underestimate the need for insurance. Insurance is not just about life covers, but also about covering your health, assets, and even liabilities. As you get older, you may also want to consider long-term care insurance as well as disability insurance to protect you and your family if you are unable to work.

  7. In India, estate planning is not given too much importance but with growing wealth and complexity, it is best to have an estate plan for the future. It covers how your assets would be distributed among your dependents and who will administer the estate.

Why Should you Make a Financial Plan

Having understood the components of financial planning, let us also look at why you should make your financial plan at the earliest. Here are some strong reasons.

  • The financial plan helps you to stretch your money and achieve your long-term goals in life. It is best to do this with professional support to articulate goals and invest.
  • Financial planning is timeless in the sense it is applicable at all stages of life. Irrespective of whether you are just getting started in your career or starting a family or you are in the middle of your career or approaching retirement, you need a plan to move things smoothly.
  • Finally, remember that financial planning helps protect your family from the unexpected because you want them to be in a position to reach their financial goals if something untoward happens to your income or your investments.

What is Goal-Based Investing?

Whether you buy equities, bonds, insurance, or mutual funds, all these need to fit into a larger plan. In short, they need to fit into your financial goals; both short-term and long-term. You must not make random investments and instead map these with your various financial goals. Ensure that all your actions of buying equities, bonds, mutual funds, insurance, and even tax saving instruments are driven by your financial goals. That is goal-based investing.

Sat, 02 Apr 2022 02:53:00 -0500 en text/html https://www.indiainfoline.com/knowledge-center/financial-planning/components-of-a-financial-plan Board exam results 2023: Plan your education stream as per your zodiac sign

Astrology has been practiced for centuries as a tool to understand our personalities, strengths, weaknesses, and potential. But did you know that it can also help guide you in choosing the right education stream? Yes, you read that right! Your zodiac sign can provide insights into which field of study aligns with your natural abilities and interests. Read on to discover how astrology can assist you in selecting the perfect education path for your future success.

Read on to discover how astrology can assist you in selecting the perfect education path for your future success.(HT)
Read on to discover how astrology can assist you in selecting the perfect education path for your future success.(HT)

Aries: You are known for your boldness, leadership skills, and competitive nature. Consider fields that allow you to take charge and showcase your individuality. With a natural talent for athletics and physical activities, you can excel in sports-related courses or degrees in kinesiology. You thrive on challenges and enjoy taking risks which makes you well-suited for studying subjects like law enforcement or military service.

Taurus: You are known for practicality and determination, making you excellent candidates for careers in finance or business. However, you also have a creative side that can lead you to pursue subjects in the arts or design. Your attention to detail means you can excel at tasks requiring precision and accuracy. Your love for worldly pleasures makes you suited to study management or hospitality as well as fashion designing or interior decoration.

Gemini: When it comes to choosing the right education stream, you should consider careers that allow you to use your natural talents. Your curiosity can make you great researcher or journalist while your strong communication skills make you well-equipped for studying sales, marketing and public speaking. However, you may struggle with sticking to one thing for too long as you tend to get bored easily. Therefore, choose subjects that allows room for growth and change.

Cancer: You have a high sense of sensitivity and caring nature towards others. You are usually drawn to fields that involve helping people or working in creative industries. Due to your nurturing skills, you excel in fields such as nursing, teaching, social work or counselling. You have an innate ability to connect with people on an emotional level and offer comfort during difficult times.
Your creativity can also lead you down paths of artistry, music or writing.

Leo: In terms of education streams, you would excel in fields that allow you to take charge such as business management or politics. You also have a flair for creativity and would do well in fields like fashion designing or acting. However, avoid subjects that require you to work behind-the-scenes or take orders from others. You thrive on attention and need recognition for hard work.
You can also make study entrepreneurship.

Virgo: You have a natural ability to break down complex information into smaller parts and analyse them thoroughly. You should consider pursuing streams that require precision and attention to detail such as medicine, law or engineering. Your critical thinking skills will also make you an excellent researcher or analyst. You can also excel in creative subjects such as writing or graphic design where your desparate eye for detail can be put into practice.

Libra: When it comes to choosing an education stream, you should focus on subjects that allow you to use your communication skills and work with others. Some ideal education streams for you include law, public relations, marketing, psychology, counselling, or even event planning. These fields all require excellent communication skills and the ability to work well under pressure.
In addition, you are well-suited for creative fields like fashion design or interior decorating.

Scorpio: As far as education streams go, you have varied interests ranging from science to psychology to law. Your analytical skills make you an excellent researcher while your curiosity makes you a great problem solver. You are drawn towards streams where you can use your investigative abilities such as criminology or forensic sciences. However, you also possess a creative streak which makes you excel in fields like art and music.

Sagittarius: You are always looking for new experiences and learning opportunities, which makes you a perfect candidate for studying subjects related to travel or education. You have a passion for exploration and finding meaning in life. You often pursue higher education or seek out spiritual guidance to deepen understanding of the world around you. Look for careers in the field of teaching, spiritual learning or writing and study subjects related to them.

Capricorn: When it comes to choosing the right education stream, you should consider programs in business administration, accounting or economics. These fields align with your natural abilities and will provide you with ample opportunities to climb the corporate ladder. Another area of interest for you can be law. Your logical thinking skills coupled with sense of responsibility can make you successful judge or lawyer. Additionally, engineering or medicine also suits you well.

Aquarius: When it comes to choosing an education stream, you should consider pursuing degrees in fields that align with your values of innovation and social justice. Some examples include environmental studies, sociology, psychology, or any other discipline that promotes individuality while serving the community at large. Your innovative mindset also makes you a good fit for studying subjects related to technology, science, or research.

Pisces: When it comes to choosing an education stream or field of study, you thrive in areas that allow you to express your imaginative and compassionate nature. Pursuing studies in fine arts, literature, theatre, music, or philosophy can provide an outlet for your creative expression and emotional depth. Further, studying sociology, anthropology, or political science can provide you with a deeper understanding of societal dynamics.

Neeraj Dhankher

(Vedic Astrologer, Founder - Astro Zindagi)

Email: info@astrozindagi.in, neeraj@astrozindagi.in

Url: www.astrozindagi.in

Contact: Noida: +919910094779

Sat, 13 May 2023 05:43:00 -0500 en text/html https://www.hindustantimes.com/astrology/horoscope/board-exam-results-2023-plan-your-education-stream-as-per-your-zodiac-sign-101683979548140.html
What to Expect From AP Exams in 2022 No result found, try new keyword!Prepare for AP exam Season With This One-Month Study Plan. Create a personalized schedule. Students who keep a calendar may best manage the challenges of AP exam week if they set aside time to ... Tue, 28 Apr 2020 15:51:00 -0500 text/html https://www.usnews.com/education/blogs/college-admissions-playbook/articles/what-to-expect-from-ap-exams Factors To Consider Before Deciding On A Health Insurance Plan

The rising incidence of illnesses coupled with the increasing medical inflation has made health insurance plans a must. In India, there are more than two dozen companies offering a plethora of best health insurance plans. Each plan has its set of unique selling propositions that sets it apart from the rest. In such a scenario, if you are in the market for a health plan, the choices might overwhelm you.

First, let’s understand how to zero in on the right insurance company. Then, the next step would be to explore and find the right policy.

Step 1: Finding the Right Insurance Company

Here are some factors that you can use in deciding on the right health insurance company –

1. The range of plans offered

Check out the different types of plans that a company offers as well as the plan USPs. Some companies offer a range of products to suit the varied coverage requirements that you have. Choose a company with a diverse range of plans so that you can find the right policy suiting your needs.

2. The network of hospitals

The network of hospitals is extremely important for availing cashless claims. The wider the network that an insurer has, the better it would be. This would allow you to locate the nearest cashless hospital with ease.

3. Claim settlement ratio

The claim settlement ratio points to one thing – what percentage of claims did the company settle in a financial year. A higher ratio indicates that the company is steadfast in settling its claims. A factor that works in favour of the insurer.

4. Claim-based loading

Some companies tend to increase the renewal premium if you made claims in the previous years. This converts to higher premium expenses. As such, avoid companies that follow this practice.

5. Premium rate

Pricing policy is how much premium the company charges vis-Ă -vis its competitors. You can check the pricing policy by comparing similar plans across different companies.

For instance, the Aarogya Sanjeevani policy offers uniform coverage features across all insurers. Its premiums, however, depend on the insurer’s pricing policy. Compare the premium of the plan across insurers to find the insurer that charges the least. Chances are, its pricing policy would be fair across all its plans.

6. Ease of claim settlement

Insurers have revolutionised their claim process and made it simpler. The following concepts are gaining traction: 

  • AI-enabled claim processing
  • WhatsApp intimation
  • Digital documentation
  • Quicker approvals
  • App-based claim intimation and tracking, etc.

Such facilities speed up the claim process and make it hassle-free. Thus, look for insurers that provide such facilities for quicker claim settlements.

7. Reviews 

Lastly, don’t ignore customer testimonials and reviews. Most insurers showcase their customers’ reviews on their websites. You can check them out. Alternatively, you can talk to your friends and relatives about their insurers. If they have made a claim, find out their claim experience to know which company follows the best practices.

Step 2: Finding the right plan

Once you have zeroed in on the right insurance company, the next, and also the most important, step would be to select the plan. With multiple insurers offering multiple plans, you have a lot of choices. However, choosing the right policy is important.

As such, here are some factors that would help you with the same –

1. Coverage benefits

The first thing that you need to check is the coverage benefits that are offered by different plans. While most plans offer the basic coverage benefits, look for plans that have unique features.

First, assess your coverage needs and then look for plans that offer those. For instance, if you are planning to have a child in the near future, look for plans that offer maternity coverage. Alternatively, if your family is complete, skip such plans.

Second, look for other additional features that might enhance the scope of coverage. For instance, sum insured restoration, high no claim bonus, value-added benefits, annual health check-ups, etc. are some of the features to look for.

Choose a plan which has the most comprehensive scope of coverage. This would minimise your out-of-pocket expenses during claims and provide you better financial security.

2. Customization option

Look for plans that allow you to customize the coverage features as per your requirements. This is possible through add-ons that health insurance plans offer. The add-ons help you to opt for additional coverage features as per your needs and make customisation possible.

3. Premium amount

Of course, the premium amount is important. Check the premium charged vis-Ă -vis the coverage offered. To get a better idea, compare. Compare the premium across other plans of different insurers that have similar coverage benefits. See if the premium is competitive or inflated given the coverage.

Choose a plan with the most competitive premium rate for the same coverage benefits, even if it means selecting another insurance company.

4. Sub-limits

Health plans might have sub-limits on different expenses like room rent, ICU room rent, AYUSH coverage, domiciliary treatments, etc. These sub-limits limit the scope of coverage and might result in out-of-pocket expenses.

As such, choose a policy that has no sub-limits so that you can enjoy the maximum possible coverage.

5. Co-payment clauses

Health insurance plans might have co-payment clauses for different reasons. Co-payments mean that in every instance of a claim, you are supposed to pay the specified part of the claim from your pockets. For instance, a co-payment of 10% means that 10% of every claim would be borne by you.

Common co-payment clauses are applicable in the following instances: 

  • If the insured is aged 61 years and above at the time of buying the policy
  • If you buy the policy in a city belonging to a lower Tier and avail of treatments in a city in a higher tier
  • In the case of specified illnesses and/or treatments

Look for health insurance plans that do not have the co-payment clause. Even if the clause is unavoidable, like in the case of senior citizen plans, opt for plans with a lower co-payment rate.

6. Waiting periods

The waiting period is when specific coverage is not allowed by the health insurance policy. Once the waiting period is over, coverage is allowed.

Health insurance plans impose waiting periods in various instances. These include the following: 

  • First 30 or 60-day waiting period for the coverage of illnesses. This is also called the cooling-off period during which illnesses are not covered. Accidental injuries, however, are covered from day 1
  • Waiting period for specific illnesses or treatments like hernia, fissures, hydrocele, tonsillectomy, cataract, joint replacement, etc. This waiting period is generally 24 months. In some plans, however, the tenure might vary
  • Pre-existing waiting period ranges from 12 months to 48 months. This waiting period is for illnesses or medical conditions that you might have when buying a fresh policy. Complications arising out of existing conditions are not covered during this period.
  • The maternity waiting period might range from 9 months to 48 months
  • Waiting period for the coverage of OPD expenses, bariatric treatments, etc.

Waiting periods are inevitable. However, you can find a plan where the period is low. This is especially relevant if you are looking for maternity coverage or if you have pre-existing conditions and you want coverage for them at the earliest.

7. Discounts available 

Health insurance plans allow various types of discounts to lure customers. Some of the commonly available discounts include the following: 

  • Discount for buying a two or three-year policy
  • Discount for covering two or more members under the policy on an individual basis
  • Discount for buying the policy online
  • Discount for paying the premium in a lump sum rather than in instalments
  • Discount for the existing customers of the company
  • Discount for maintaining a healthy lifestyle
  • Renewal discount if you have not made a claim in the last policy year
  • Discount for choosing a voluntary deductible
  • Discount for availing of treatments at a network hospital 

Look for the available discounts. Choose a plan that offers the highest discount so that you can get the best deal on the premium. 

Now that you have found the best company and the most suitable plan, you might think that your work is done. It is not. You should keep in mind another aspect – choosing the right sum insured.

Step 3: How To Find the Right Coverage Amount?

An optimal sum insured is important to ensure that your health plan sufficiently covers your medical expenses. A low sum insured defeats the whole purpose of investing in health insurance and is a strict no-no.

Selecting the right sum insured is easier than you think. You just have to consider the following factors: 

  1. The number of members being insured under the policy
  2. Whether you or any other member suffers from any pre-existing condition
  3. The basic cost of hospitalisation and medical treatments
  4. The rising medical inflation 

Most insurers help you calculate the ideal sum insured based on your income, expenses, existing coverage and members to be insured. You can also estimate the optimal requirement through a simple formula which is as follows: 

Sum insured = 50% of your annual income + total hospitalisation costs incurred during the last 3 years

For instance, say your annual income is INR 15 lakh and in the last three years you have incurred a hospital bill of INR 5 lakh. In this case, the optimal sum insured would be calculated as follows: 

50% of INR 15 lakh + INR 5 lakh = INR 12.5 lakh

Step 4: How To Afford a Health Plan

The premiums of health insurance plans are affordable. Moreover, insurers offer you the facility of installment premiums wherein you can pay the premium monthly, quarterly or half-yearly. This makes the health plans affordable.

Furthermore, if affording a high sum insured poses a challenge, you can opt for super top-up health plans. Super top-up plans help in enhancing the coverage while keeping the premium low.

For instance, say you want coverage of INR 15 lakh but the premiums are unaffordable. In such cases, you can opt for a comprehensive health plan of INR 5 lakh or INR 10 lakh and add a super top-up plan of INR 10 lakh or INR 5 lakh respectively.

The super top-up plan would help you enjoy an aggregate coverage of INR 15 lakh. However, the aggregate premium would be lower compared to buying a health plan of INR 15 lakh.

Best Health Insurance In India

Health insurance is a must for every individual or family, but choosing the right one is not an easy option. We’ve picked the health insurance policies designed to be most helpful to our readers.

Bottom Line

Just buying health insurance is not enough. You need to ensure that you have picked the right insurer and the right plan. So, keep the aforementioned points in mind and do your research to select the right health insurance plan.

Wed, 24 May 2023 06:04:00 -0500 Dhirendra Mahyavanshi en-GB text/html https://www.forbes.com/advisor/in/health-insurance/factors-to-consider-before-deciding-on-a-health-insurance-plan/

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