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Centre Considers Lowering GST to 12% for Health Insurance Premiums, Aiming to Expand Coverage

Leave a Comment / / Health & Wellness Community

The Centre is contemplating a reduction in the Goods and Services Tax (GST) rate on health insurance premiums from the current 18% to 12%, particularly for premiums up to Rs 30,000. This move aims to make health insurance more affordable and accessible, potentially widening coverage across the population. Currently, with the prevailing market rates, a health insurance premium of up to Rs 30,000 could secure coverage of approximately Rs 10 lakh per annum for a family of four members. The proposed reduction in the GST tax rate could result in decreased premium rates or the introduction of additional health coverage options tailored to the needs of individuals and families. An official stated that this proposal, among others, is pending and may be discussed in the GST Council following the general elections. The initiative aligns with the recommendations of the Parliamentary Standing Committee on Finance, chaired by BJP MP Jayant Sinha, which emphasized the need to rationalize the GST rate on insurance products, especially health and term insurance. The committee suggested lowering GST rates on health insurance products, particularly for retail policies targeting senior citizens and microinsurance policies, along with term policies. Since the implementation of GST, individuals purchasing health insurance policies have been subject to an 18% GST rate, marking a 3% increase compared to the previous Service Tax rate of 15%, including applicable cess. Furthermore, the report underscores the importance of extending health coverage to vulnerable populations, as highlighted by the Niti Aayog’s recommendation to extend the Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (PMJAY) scheme to the ‘missing middle’ on a paid basis. PMJAY currently provides free health coverage of up to Rs 5 lakh per year to 107 million economically disadvantaged households, constituting 40% of the population. The potential reduction in GST on health insurance premiums reflects a broader effort to enhance healthcare accessibility and affordability, aiming to mitigate financial risks associated with medical expenses and promote comprehensive health coverage across India’s diverse population.

Centre Considers Lowering GST to 12% for Health Insurance Premiums, Aiming to Expand Coverage Read More »

Karnataka Government to End Four-Year Honours Degree Programme Implemented Under NEP

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The Karnataka state government has announced its decision to discontinue the option for students to pursue a four-year honours degree programme, which was implemented under the National Education Policy (NEP). An official order to this effect is scheduled to be issued on May 8, following the completion of the second phase of polling in Karnataka on May 7. The higher education department, awaiting the conclusion of the state’s elections, will issue the order, effectively ending the four-year honours courses. This decision will impact the current batch of students admitted under the NEP, who are currently in their third year and will be the last to have the option to continue into the fourth year. During a recent meeting, officials from the higher education department communicated this decision to the vice-chancellors of all state-run universities. The vice-chancellors have been instructed to inform students during the admissions process for the academic year 2024-25 that there will be no four-year honours programmes available, and to admit students only for three-year degree courses. The decision is based on the interim report submitted by the State Education Policy (SEP) commission, led by former chairperson of the University Grants Commission, Sukhadeo Thorat. While the commission requested until August 2024 to submit its final report, it submitted the interim report on the four-year honours programme to address the confusion among students admitted under the NEP. As students are currently in their final year, universities need to clarify whether they will receive a degree certificate or be allowed to continue for the fourth year. The issuance of an official order after the state elections aims to provide clarity on this matter and streamline the higher education system in Karnataka.  

Karnataka Government to End Four-Year Honours Degree Programme Implemented Under NEP Read More »

Australia Captain Clarifies IPL Star’s Absence from T20 World Cup Selection

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Australia’s newly appointed T20I captain, Mitch Marsh, has shed some light on why explosive batter Jake Fraser-McGurk missed out on selection for the upcoming ICC Men’s T20 World Cup, despite his stellar performances in the Indian Premier League (IPL). Fraser-McGurk, who has been in scintillating form for the Delhi Capitals in the ongoing IPL, was widely expected to be included in Australia’s squad for the T20 World Cup. However, his omission, along with former captain Steve Smith, surprised many cricket enthusiasts. Marsh acknowledged Fraser-McGurk’s outstanding talent and impressive performances in the IPL but emphasized that incumbent openers Travis Head and David Warner have been consistent performers for Australia and deserve their spots in the squad. While speaking on an Australian radio station, Marsh praised Fraser-McGurk’s contributions and expressed confidence in Australia’s current squad composition, stating, “We feel like we’ve got all bases covered within our team. Heady and David Warner have been fantastic for us, not only for a long period of time but over the last 18 months building towards this (T20) World Cup.” Fraser-McGurk’s remarkable strike rate and prolific run-scoring in the IPL have showcased his potential as a top-order performer in T20 cricket. Marsh acknowledged his rapid progress and predicted a bright future for the young talent, expressing optimism about his eventual return to the national team. With three half-centuries and a striking batting strike rate of 233.33 in the IPL, Fraser-McGurk’s dynamic batting style has caught the attention of cricket fans worldwide. Marsh highlighted his aggressive approach to the game and anticipated his continued success in the white-ball format. Despite missing out on the T20 World Cup selection this time, Fraser-McGurk’s impressive performances in domestic and franchise cricket suggest that he is a player to watch out for in the future, with Marsh expressing confidence in his potential to make a significant impact on the international stage.  

Australia Captain Clarifies IPL Star’s Absence from T20 World Cup Selection Read More »

Modi’s Photo Removed from Covid Vaccine Certificates; Health Ministry Responds

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The Union health ministry has recently made a significant alteration to Covid-19 vaccination certificates issued through CoWIN, removing the image of Prime Minister Narendra Modi. Previously, these certificates prominently featured PM Modi’s image alongside a quote affirming India’s collective resolve to combat the coronavirus pandemic. While the quote remains intact, PM Modi’s name has been omitted, and his image has been replaced by a QR code. This change has caught the attention of many citizens, particularly on social media platforms like X (formerly Twitter). Users have observed the absence of PM Modi’s photograph on the updated vaccination certificates, sparking discussions and speculation regarding the reasons behind this alteration. Health ministry officials have clarified that the removal of PM Modi’s image from the vaccination certificates is due to the Model Code of Conduct (MCC) currently in place for the ongoing Lok Sabha elections. This move aligns with past instances where PM Modi’s photograph was removed from vaccination certificates issued during state assembly elections in 2022. The controversy surrounding Covishield, AstraZeneca’s vaccine manufactured in partnership with the Serum Institute of India, has also resurfaced following discussions about its potential association with Thrombosis with Thrombocytopenia Syndrome (TTS), a rare side effect involving blood clotting. The opposition Congress has demanded compensation for the relatives of individuals who died due to heart attacks or similar reasons after receiving the Covishield vaccine, alleging that the BJP government at the Centre did not adhere to WHO guidelines. Despite these concerns, doctors associated with the Gujarat BJP have emphasized that a study conducted by an expert panel in the state found no direct link between Covid-19 vaccines and blood clotting leading to heart attacks. As discussions around Covid-19 vaccines continue, the removal of PM Modi’s photo from vaccination certificates adds another layer to the ongoing dialogue surrounding vaccine distribution and public health policies in India.  

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Google Urges US Government to Update Immigration Rules for AI Talent

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Google is urging the US government to modernize its immigration policies, particularly focusing on the Schedule A list, to attract and retain top artificial intelligence (AI) and cybersecurity talent from around the world. In a letter addressed to the Department of Labor, the tech giant expressed concerns that outdated policies could lead to a loss of valuable talent in these critical sectors. The Schedule A list, last updated in 2005, identifies occupations with insufficient American workers. Google argues that this list needs to be expanded to include AI and cybersecurity-related fields and should be updated more frequently to reflect changing labor needs. The company emphasized the growing demand for AI talent within its ranks and stressed the importance of addressing the talent shortage to fully harness the potential of AI advancements. Google also highlighted the lengthy process of obtaining permanent labor certification (PERM) and called for a more efficient system to attract and retain top talent. Karan Bhatia, head of government affairs and public policy at Google, underscored the global shortage of AI talent and emphasized the need for the US to adapt its immigration policies accordingly. This call for immigration reform comes amid fierce competition among tech companies to attract AI talent, with Meta CEO Mark Zuckerberg reportedly making personal offers to AI researchers. Google CEO Sundar Pichai has also expressed concerns about losing key talent to rivals like Apple. The strict immigration policies in the US have exacerbated these concerns, making it challenging for companies to attract and retain AI talent from abroad. While President Joe Biden’s executive order on AI aims to increase AI talent in the country, Google’s letter suggests that more comprehensive reforms are needed to ensure the US remains competitive in the global race for AI dominance.

Google Urges US Government to Update Immigration Rules for AI Talent Read More »

Previewing the 11th New Normal Education Leadership Summit & Awards 2024 to be held on 3rd May 2024 in Coimbatore, Tamil Nadu

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In a world constantly evolving, education stands as the cornerstone of progress, shaping minds, and molding futures. As we navigate through the complexities of the 21st century, the need for innovative, forward-thinking education has never been more pressing. Embracing this spirit of change and advancement, ArdorComm Media Group proudly presents the 11th New Normal Education Leadership Summit & Awards 2024, set to take place in the vibrant city of Coimbatore, Tamil Nadu, on May 3rd, 2024. Pioneering Education in Tamil Nadu Tamil Nadu, renowned for its rich cultural heritage and historical significance, emerges as a beacon of educational excellence within India. With Coimbatore, a bustling educational hub in South India, as its backdrop, the summit promises to be a melting pot of ideas, innovations, and insights. Students flock to Coimbatore from every corner of the nation, drawn by its esteemed educational institutions and unwavering commitment to quality education. A Convergence of Minds The summit serves as a Knowledge Forum, bringing together luminaries from various spheres of the education ecosystem. Academicians, educators, edupreneurs, innovators, industry experts, and government dignitaries will converge to share their experiences, expertise, and accomplishments. With over 50 speakers, representing a diverse range of perspectives, the event promises enriching discussions and thought-provoking insights. Our Sponsors and Partners The 11th New Normal Education Leadership Summit & Awards 2024 is proud to announce its esteemed partners, each contributing to the event’s success and impact. LinkedIn, as the Presenting Partner, brings its unparalleled networking platform to foster connections and collaboration. Samsung, the Powered By Partner, infuses the summit with cutting-edge technology and innovation. D2L, the EdTech Partner, provides expertise in learning management systems, driving continuous improvement in education. Intercell, the Mentoring Partner, offers guidance and support to empower future leaders. Teachmint, the Connected Classroom Technology Partner, facilitates seamless integration of technology into the learning experience. DigitalEd India and SAS, as Associate Partners, bring their respective expertise to enrich discussions and insights. Finally, Kalorex, the School Partner, represents excellence in education, embodying the summit’s mission to pioneer educational advancements. Together, these partners form a formidable alliance dedicated to shaping the future of education. Celebrating Excellence Central to the summit is the ArdorComm Education Leadership Awards 2024, a testament to the tireless dedication and innovation driving the education community forward. This prestigious accolade honors individuals, educational institutions, EdTech pioneers, and startups whose unwavering commitment has propelled the sector to new heights. Through recognition and celebration, the awards aim to inspire further excellence and foster a culture of continuous improvement within the education landscape. The ArdorComm Education Leadership Awards 2024 will recognize excellence across six segments, including Higher Education, School Education, Preschools, Skills & Training, Corporate, and Startups. By honoring the trendsetters, innovators, and education leaders of today, the awards aim to inspire future generations and catalyze positive change within the sector. Exploring the Key Discussion Points The summit will delve into a myriad of key discussion points, addressing the evolving needs of the 21st-century learner. Innovation in Teaching and Learning: Leveraging technology and innovative teaching methods to enhance student engagement and outcomes. Skills for the Future Workforce: Strategies for integrating employability skills and career readiness into educational programs. Sustainable Education Practices: Integrating sustainability education into the curriculum to foster responsible citizenship. Digital Literacy and Cybersecurity in Education: Building digital literacy skills among educators and students to navigate the digital landscape safely and responsibly. Global Collaboration and Partnerships in Education: Harnessing the power of international collaboration and partnerships to enrich teaching and learning experiences. The summit will also witness two insightful Leadership Talk Sessions Samsung Sponsored: Leadership Talk Session – A Roundtable Discussion  Topic: Experience unlimited learning possibilities with Samsung: Future trends and  innovations in technology to ensure education institutions represent the future of classrooms. D2L Sponsored –  Leadership Talk Session – A Roundtable Discussion Topic: Adapting to Change: Future-Proofing Education with Innovative Technologies and Continuous Improvement in Learning Management Systems A Call to Action As we stand on the cusp of a new era in education, the 11th New Normal Education Leadership Summit & Awards 2024 serves as a rallying cry for progress and transformation. Together, let us unlock the boundless potential of education, shaping a future where every learner has the opportunity to thrive and succeed. Join us tomorrow, 3rd May’24 in Coimbatore as we embark on this transformative journey, charting a course towards a brighter, more inclusive tomorrow. Stay tuned for live updates and highlights from the summit. For more details, visit https://ardorcomm-media.com/elsacoimbatore/ Follow #ELSATamilNadu #ELSACoimbatore #ArdorComm #NewNormal for the latest updates and insights.

Previewing the 11th New Normal Education Leadership Summit & Awards 2024 to be held on 3rd May 2024 in Coimbatore, Tamil Nadu Read More »

Pakistan Plans Four-Year Education Emergency to Tackle Challenges in Education Sector

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Pakistan is grappling with a staggering 26.2 million out-of-school children, prompting the government to plan a four-year education emergency to address pressing issues in the sector. Prime Minister Shehbaz Sharif is expected to announce this groundbreaking initiative soon, highlighting the urgent need to tackle challenges such as the high number of out-of-school children and deficiencies within the education system. Originally scheduled for Tuesday, a conference chaired by Prime Minister Shehbaz Sharif to discuss the education emergency was postponed due to prior commitments. However, the importance of the matter remains significant, driving a strong push for transformative change in the education landscape. Pakistan’s education sector faces significant challenges, including a low literacy rate of 62 percent and inadequate allocation of resources, with only 1.7 percent of the Gross Domestic Product (GDP) dedicated to education. Disparities in access to essential facilities, such as sanitation and potable water, further exacerbate challenges, particularly in marginalized communities. Addressing these deficiencies is crucial for fostering an inclusive learning environment. Federal Education Minister Khalid Maqbool Siddiqui has been advocating for declaring a national education emergency, emphasizing the need for concerted action to mitigate the crisis. Recent statistics from Pakistan Education Statistics reveal that 39 percent of children in the country are out of school, highlighting the urgency of overhauling the education system. The proposed National Conference on Education Emergency aims to mobilize collaborative efforts from stakeholders to devise holistic strategies and initiatives. Attended by chief ministers, development partners, diplomats, and educationists, the conference seeks to address the root causes of educational inequities.

Pakistan Plans Four-Year Education Emergency to Tackle Challenges in Education Sector Read More »

UK Regulator Questions Vodafone and Three Merger Plans

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The Competition and Markets Authority (CMA) in the UK has cast fresh doubt on the likelihood of approving a merger between Vodafone and Three, questioning the necessity of such a move despite the operators’ arguments for consolidation. Vodafone and Three have been advocating for a merger, claiming that the UK telecom landscape would benefit from consolidation, but the CMA’s Phase 1 findings suggest otherwise. The regulator found that both Vodafone and Three are viable and competitive businesses on their own, contradicting the operators’ assertions about their financial predicaments. While Vodafone and Three have highlighted their weaknesses, including financial losses and operational challenges, the CMA’s investigation indicates a strong commitment to long-term growth and investment from both operators. Additionally, the CMA raises concerns about potential anticompetitive effects, particularly regarding network-sharing arrangements. The CMA’s detailed report questions the necessity of the merger and highlights potential risks, including limitations on competition and negative impacts on consumers. Despite promises of increased investment and accelerated 5G rollout, the regulator remains skeptical about the benefits of consolidation. Overall, the CMA’s findings paint a vivid picture of the challenges and potential consequences of a Vodafone-Three merger, suggesting that major remedies may be necessary for approval. As the investigation progresses to Phase 2, the operators may need to reconsider their merger plans in light of the regulator’s concerns.  

UK Regulator Questions Vodafone and Three Merger Plans Read More »

UGC Directs Higher Education Institutions to Restrict Enrolment of Foreign Nationals in Online Programs

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The University Grants Commission (UGC) has issued a notice to all higher education institutions, instructing them to avoid admitting foreign nationals into open and distance learning (ODL) programs. This directive aligns with the eligibility criteria outlined in UGC regulations Annexure III, which specify that only students residing in India are eligible for enrolment in ODL programs. According to regulation 23 of the UGC ODL Programmes and Online Programmes Regulations, 2020, learners residing in any part of the country may enrol in programs offered by recognized higher educational institutions. However, all activities related to learners, including admissions, contact programs, and examinations, must be conducted strictly within the territorial jurisdiction of the institution. The notice also references a notification from the Ministry of Home Affairs, which states that no student visa will be issued to foreign nationals sponsored by certain educational institutes, including franchise educational institutes, off-campus centers, and study centers of open universities offering distance learning programs without statutory sanction from regulatory authorities. As a result, higher education institutions recognized to offer ODL programs are directed not to enrol any foreign nationals in such programs. Only learners residing in India are permitted to be enrolled in ODL programs, in compliance with the territorial jurisdiction defined in UGC regulations.  

UGC Directs Higher Education Institutions to Restrict Enrolment of Foreign Nationals in Online Programs Read More »

Apollo 24/7 Secures Rs 2,475 Crore Investment and 12.1% Advent Stake in Mega Merger with Keimed

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Apollo HealthCo Limited, a subsidiary of Apollo Hospitals Enterprise Limited, has unveiled a major development with plans to raise Rs 2,475 crore ($339 million) in equity capital from Advent International, a prominent private equity investor. This strategic move is part of a merger initiative that will also integrate Keimed Private Limited, India’s leading wholesale pharmaceutical distributor, within the next two years. The merger deal entails Advent International acquiring a 12.1% stake in the merged entity, while Apollo HealthCo and Keimed will hold 59.2% and 25.7% stakes, respectively. The combined entity is valued at an impressive enterprise value of Rs 22,481 crores ($3 billion). Dr. Prathap C Reddy, Chairman of Apollo Hospitals Group, emphasized the mission to provide high-quality healthcare to all Indians at an affordable cost. He highlighted the significant outreach achieved by Apollo 24/7, which has positively impacted over 33 million Indians. Dr. Reddy expressed confidence that with Advent’s investment and the merger with Keimed, the combined entity will emerge as one of the leading retail health companies in India. The integration is poised to deliver substantial industry benefits and capitalize on potential business synergies. With a pan-India presence, the merged entity aims to become a frontrunner in the retail health sector. Shobana Kamineni, Executive Vice Chairperson of Apollo Hospitals, underscored the enhanced accessibility to genuine medicines for 1.4 billion Indians within 24 minutes to 24 hours, 7 days a week, facilitated by the merged supply chain. Suneeta Reddy, Managing Director of Apollo Hospitals, described the merger with Keimed as a pivotal step towards building a comprehensive supply chain. She outlined the revenue projections and emphasized the collaborative strengths that will drive exponential value for Apollo Hospitals and its shareholders. Advent International sees this partnership as an opportunity to invest in India’s rapidly growing healthcare sector and contribute creatively to value creation. The merger positions Keimed at an enterprise value of Rs 8,003 crores, with Keimed shareholders holding a maximum of 25.7% stake in the combined entity, while Apollo Hospitals remains the largest controlling shareholder with at least 59.2% stake. The merger is subject to further corporate approvals.  

Apollo 24/7 Secures Rs 2,475 Crore Investment and 12.1% Advent Stake in Mega Merger with Keimed Read More »