Pravasi Raksha Insurance Scheme

Government of Kerala launches Health Insurance Scheme for Expatriates for just Rs 550. Norka Roots has introduced health insurance for expatriates and their families living abroad. This is being implemented under the name Pravasi Raksha Insurance Scheme.

Expatriates between the ages of eighteen and sixty and those living abroad with them will be covered under the scheme. The premium is Rs 550 per year. Diseases can be covered up to Rs 1 Lakh. The scheme is being implemented in association with New India Assurance Company.

You can join the scheme online from the Pravasi ID Card section in the service section of Norca Roots’ website www.norkaroots.org. Fees can also be paid online. Detailed information is available on the Norka Roots website and via email at [email protected]. Information is available on 91-417-2770543, 91-471-2770528 and 18004253939 and 00918802012345 (Missed call service from abroad).

Chief Minister Pinarayi Vijayan said that health care is one of the major problems facing the expat community and the project is being implemented keeping that in mind. The government is implementing various schemes for the welfare of the expat community. The Chief Minister requested all expatriates to avail the benefits of Pravasi Raksha Insurance.

About NORKA

The Non Resident Keralites Affairs abbreviated as NORKA is a department of the Government of Kerala formed on 6 December 1996 to redress the grievances of Non-Resident Keralites (NRKs). It is the first of its kind formed in any Indian state. The department was formed in an attempt to strengthen the relationship between the NRKs and the Government of Kerala and to institutionalise the administrative framework. The field agency of NORKA is known as the NORKA Roots, which was set up in 2002 to act as an interface between the NRKs and the Kerala Government. It also acts as a forum for addressing the NRKs problem, safeguarding their rights and rehabilitating the returnees.

Amidst the Covid-19 outbreak, the Norka-Roots portal facilitated registration from people all around the world to request to return to Kerala. The portal also allowed people stuck in different states of the country to register on their site from 29th April 2020.

PRAVASI INSURANCE: CLICK HERE

PRAVASI ID CARD: CLICK HERE

PRAVASI PENSION: CLICK HERE

You can Apply Pravasi Id Card or Norka Id Card Online

Pravasi Id Car or Norka Id Card is a connection point between parvasi & Government of kerala.
This multi-purpose photo identity card entitles every NRK to avail all services and facilities offered by NORKA Roots, now and in future.

PRAVASI ID card comes with an add-on of Personal Accident Insurance coverage of upto a maximum of Rs. 4 Lakhs. The card has a validity of 3 years.

Pay Just 315 Rupees and Get 4 Lakh Pravasi Insurance Benefit from Kerala Government

The Pravasi, Students who possess the identity card provided by norka roots now will have to pay Double Insurance according to the new law. In case of accidental death the insurance issuance would be from a range of 2 lakh to 4 lakh. In case a person is disabled then the insurance issuance has increased from a range of 1 lakh -2 lakh.

If in an individual is accidentally dead or fully or partially disabled then he or she would get this insurance. This benefit is on going from April 1 2020. Those who have been a part of it from April 1 or before that would be provided with the benefits after they have completed one year of membership.

From the reports of last year’seconomy it is found that for 28 Pravasi family 54.64 lakh have been distributed by Norka. The people who are working with there six month visa, passport, etc I have completed the age of 18 would be provided with Norka roots Pravasi identity card.

The students from KERALA who have applied for admission and also those who are studying in foreign countries can apply for Norka student identity card.
Although the benefits have been increase still the application fee for this is not increase. The fee is 315 rupees.

Eligibility
1) Should have completed 18 years of age
2) You should be a Pravasi residing or working abroad with a valid passport and visa for at least 6 months.

Documents Needed
Before applying make sure that all the required documents are scanned and prepared in JPEG formats

1) Copies of front and address page of the passport
2) Copy of Visa Page/ Ikkama/ Work Permit/ Residence Permit
3) Photo and Signature of the applicant
4) Registration fees Rs. 315 per card
5) Renewal of the Pravasi Id Card
6) You can apply for renewal 3 months before the date of expiry
7) Copies of prescribed documents and renewal fee should be submitted

Apply Online for Pravasi Card
1) Register on Norka Website.
2) Login to Norka Roots website.
3) Click on Pravasi ID Card.
4) Click on Apply.

FOR PRAVASI ID CARD APPLY ONLINE: CLICK HERE

FOR PRAVASI INSURANCE : CLICK HERE

FOR PRAVASI PENSION : CLICK HERE

A CIBIL score is a three-digit number that reflects an individual’s creditworthiness. It is calculated by credit bureaus, including CIBIL, based on an individual’s credit history. The credit history includes factors such as credit utilization, repayment behavior, credit mix, length of credit history, and recent credit inquiries.

Importance of CIBIL Score

A CIBIL score plays a crucial role in an individual’s financial life. It is used by lenders to assess an individual’s creditworthiness and make lending decisions. A high CIBIL score indicates a lower risk of default, making it more likely for the lender to approve a loan or credit application with favorable terms and interest rates.

A low CIBIL score, on the other hand, indicates a higher risk of default, making it more difficult to get approved for credit, and the terms and interest rates may not be as favorable. Therefore, maintaining a good CIBIL score is essential for individuals to have access to credit and to get favorable terms and interest rates.

How is CIBIL Score Calculated?

CIBIL score is calculated based on an individual’s credit history, which includes various factors. These factors and their weightage are as follows:

1. Payment History (35%): This factor considers an individual’s repayment behavior and whether they have paid their credit obligations on time or not. Late payments or missed payments negatively impact the CIBIL score.
2. Credit Utilization (30%): Credit utilization refers to the percentage of credit limit used by an individual. A higher credit utilization ratio can negatively impact the CIBIL score.
3. Credit Mix (10%): Credit mix refers to the types of credit an individual has, such as secured loans, unsecured loans, and credit cards. A good credit mix can positively impact the CIBIL score.
4. Length of Credit History (15%): The length of credit history refers to the duration for which an individual has held credit accounts. A longer credit history can positively impact the CIBIL score.
5. Recent Credit Inquiries (10%): This factor considers the number of credit inquiries made by an individual in the recent past. Multiple inquiries can negatively impact the CIBIL score.

CIBIL Score Range

The CIBIL score ranges from 300 to 900, with a score above 750 considered as a good score. The score range and the interpretation are as follows:

• 750 and above: Excellent Credit
• 700-749: Good Credit
• 650-699: Fair Credit
• 600-649: Poor Credit
• Below 600: Bad Credit

How to Improve CIBIL Score?
Here are some tips to improve the CIBIL score:

1. Pay bills on time: Make sure to pay credit obligations on time as late payments can negatively impact the CIBIL score.
2. Keep credit utilization low: Keep credit utilization below 30% to maintain a good CIBIL score.
3. Maintain a good credit mix: Have a mix of secured and unsecured credit accounts to maintain a good CIBIL score.
4. Avoid too many credit inquiries: Limit the number of credit inquiries made in the recent past to maintain a good CIBIL score.

• Why is the CIBIL score important?
  The CIBIL score is important because it helps lenders assess an individual’s creditworthiness and make lending decisions. A high CIBIL score indicates that an individual is likely to repay their credit obligations on time, making them less risky to lend to. As a result, individuals with high CIBIL scores are more likely to get approved for loans and credit with favorable terms and interest rates. In contrast, individuals with low CIBIL scores may find it difficult to get approved for credit or may be offered credit with less favorable terms and higher interest rates.
• Who calculates the CIBIL score?
  CIBIL is one of the credit bureaus in India that calculates the CIBIL score. Other credit bureaus in India include Experian, Equifax, and CRIF High Mark. These credit bureaus collect credit-related information from various sources, such as banks and other financial institutions, and use this information to calculate an individual’s credit score.
• How often is the CIBIL score updated?
  The CIBIL score is updated periodically, typically every 30 to 45 days. This means that changes to an individual’s credit history, such as missed payments or new credit accounts, can impact their CIBIL score relatively quickly. Individuals can check their CIBIL score online or through other channels to see their current score and monitor any changes over time.
• How does credit utilization affect the CIBIL score?
  Credit utilization refers to the amount of credit an individual is using compared to their total credit limit. High credit utilization can negatively impact the CIBIL score because it suggests that an individual is relying heavily on credit and may be at risk of defaulting on their credit obligations. As a result, it’s generally recommended that individuals keep their credit utilization below 30% of their total credit limit.
• What is a credit report, and how does it relate to the CIBIL score?
  A credit report is a detailed record of an individual’s credit history, including information about their credit accounts, payment history, and credit inquiries. Credit bureaus like CIBIL use this information to calculate an individual’s credit score. Checking one’s credit report regularly can help identify any errors or inaccuracies that may be negatively impacting their credit score. It’s also a good way to monitor for any signs of identity theft or other fraudulent activity. In India, individuals are entitled to one free credit report per year from each of the four credit bureaus mentioned earlier.

I hope this additional information helps clarify some of the key aspects of the CIBIL score and its importance in the Indian financial system.

In conclusion, a CIBIL score plays a crucial role in an individual’s financial life. It is used by lenders to assess an individual’s creditworthiness and make lending decisions. Maintaining a good CIBIL score is essential for individuals to have access to credit and to get favorable terms and interest rates. It is important to pay

The Reserve Bank of India (RBI) has authorized four credit information companies (CICs) in India to provide credit reports and credit scores to individuals and businesses. These four CICs are:

• Credit Information Bureau (India) Limited (CIBIL)
• Equifax Credit Information Services Private Limited
• Experian Credit Information Company of India Private Limited
• CRIF High Mark Credit Information Services Private Limited

All of these CICs are authorized and regulated by the RBI, and are considered reliable sources of credit information.

here are step-by-step instructions on how to obtain your credit report and score from CIBIL:

1. Visit the CIBIL website at www.cibil.com
2. Click on “Get Your CIBIL Score” button on the homepage
3. You will be redirected to a new page where you can see the different subscription plans offered by CIBIL
4. Choose the subscription plan that suits your requirement and click on “Subscribe Now”
5. On the next page, you will be required to fill out a form with your personal information such as name, address, date of birth, PAN card number, etc.
6. After filling out the form, click on “Proceed to Payment”
7. Choose the payment method and complete the payment process
8. Once the payment is successful, you will be redirected to a page where you can view your CIBIL score and credit report
9. Download your credit report and score for future reference.

It’s important to note that you can obtain one free credit report per year from each of the four authorized credit information companies in India, including CIBIL. To obtain your free credit report, you can visit the website of any of the four authorized CICs and follow the instructions provided. You will be required to provide your personal information and ID proof to verify your identity.

Traveling is a great way to experience new cultures and see new places, but it can be expensive. If you’re looking for a way to travel on a budget, then Couchsurfing is the perfect solution. Couchsurfing is a community of travelers who offer free accommodations to each other, allowing you to stay in someone’s home for free while you explore a new city or country. In this blog post, we’ll take a closer look at how Couchsurfing works and how you can use it to travel the world on a budget.

Couchsurfing is a social networking website that connects travelers with locals who are willing to host them for free. The website has a simple registration process, and you can create a profile for yourself, including your travel preferences and the places you want to visit. Once you’ve created a profile, you can search for hosts in the city or country you want to visit.

When you find a host that you like, you can send them a message and request to stay with them. Hosts can review your profile and decide whether or not to accept your request. If they do, then you can arrange the details of your stay with them, including the dates you’ll be staying and any other details you need to know. Couchsurfing also has a mobile app that you can use to connect with hosts and manage your stay while you’re on the go.

One of the great things about Couchsurfing is that it’s more than just a way to find free accommodations. It’s a community of like-minded travelers who share a passion for exploring new places and meeting new people. Couchsurfing hosts often offer to show their guests around the city or take them to local events, giving travelers a unique insider’s perspective on their destination.

How to Use Couchsurfing:

1. Create a profile on the Couchsurfing website or mobile app.
2. Search for hosts in the city or country you want to visit.
3. Send a message to your preferred host and request to stay with them.
4. Arrange the details of your stay with your host.
5. Enjoy your free accommodations and explore your destination with a local insider’s perspective!

Additional Information:

Couchsurfing is a safe and secure community, and the website and mobile app have features to help ensure your safety while you travel. The community also has guidelines and best practices for hosts and guests to ensure that everyone has a positive experience.

Features of Couchsurfing:

• Free accommodations
• Insider’s perspective on your destination
• Safe and secure community

Benefits of Couchsurfing:

• Save money on accommodations
• Meet new people and make new friends
• Get a local’s perspective on your destination

Limitations of Couchsurfing:

• Hosts may not always be available
• Availability of hosts may vary by location
• Not suitable for travelers who prefer more privacy and independence

Couchsurfing is an excellent way to travel the world on a budget, and it’s also a great way to meet new people and experience new cultures. With a simple registration process and a wide network of hosts around the world, Couchsurfing is a must-try for any budget traveler. So why not give it a try on your next trip and see where your adventures take you?

WEBSITE: CLICK
ANDROID APPS: CLICK
IOS APP: CLICK

മലയാളത്തിലുള്ള വിവരണം

Are you tired of staying in the same old hotels during your travels? Do you crave a more authentic and personalized travel experience? Look no further than Airbnb! This popular online marketplace connects travelers with local hosts who offer unique and affordable accommodations around the world. From cozy apartments to luxurious villas, Airbnb has something for everyone. In this post, we’ll explore the benefits and limitations of using Airbnb, how to use it step by step, and some special mentions and features of the platform.

Airbnb has become a go-to option for travelers seeking a more authentic and affordable way to experience new destinations. Instead of booking a traditional hotel room, Airbnb allows travelers to stay in unique accommodations offered by local hosts. This includes everything from apartments and houses to castles and treehouses. Not only do these accommodations offer a more immersive travel experience, but they are often more affordable than hotels, especially for larger groups or longer stays.

Using Airbnb is easy and straightforward. To get started, simply create an account on the Airbnb website or mobile app. Once you’ve signed up, you can browse through the various listings in your desired destination. Each listing includes information about the property, the host, the location, and reviews from previous guests. You can filter your search results by price, location, amenities, and other factors to find the perfect accommodation for your needs.

When you find a listing you’re interested in, you can book it directly through the Airbnb platform. The host will then receive your booking request and can accept or decline it. If the host accepts your request, you will be charged the full amount of the booking plus any applicable fees. Airbnb offers various payment options, including credit card and PayPal.

How to use it step by step instructions:

• Create an account on Airbnb
• Browse listings in your desired destination
• Filter your search results by price, location, and amenities
• Select a listing and check its availability
• Book the accommodation directly through the Airbnb platform
• Wait for the host to accept or decline your request
• If the host accepts, you will be charged the full amount of the booking plus any applicable fees
• Communicate with your host to coordinate check-in and other logistics

Special Mentions and Features:

Airbnb offers various features that make it a unique and valuable platform for travelers. These include:

1. A wide variety of accommodations, from budget-friendly options to luxury villas
2. Local experiences and activities hosted by residents of the destination
3. Airbnb Plus, a program that verifies the quality and comfort of select listings
4. Superhosts, hosts who have a proven track record of providing exceptional hospitality
5. A 24/7 customer service team available to help with any issues or questions

Benefits and Limitations:

The benefits of using Airbnb include the ability to experience new destinations in a more authentic and personalized way, as well as potentially saving money on accommodations. However, there are also some limitations to consider, such as the potential for miscommunication with hosts, the lack of consistent standards across listings, and the possibility of unexpected fees or additional costs.

Airbnb is a great option for travelers looking to unlock unique and authentic travel experiences. By connecting with local hosts and staying in their properties, you can get a more immersive and personalized experience compared to traditional hotels. While there are some limitations to using Airbnb, the benefits outweigh the risks for many travelers. So the next time you’re planning a trip, consider using Airbnb to find your perfect accommodation!

DOWNLOAD APP: ANDROID

DOWNLOAD APP: IPHONE

Airbnb WEBSITE: CLICK

Some additional information about Airbnb includes:

Airbnb was founded in 2008 and is headquartered in San Francisco, California.
The platform operates in over 220 countries and regions and has over 7 million listings.
In addition to traditional accommodations, Airbnb also offers experiences and activities hosted by locals, such as cooking classes, city tours, and outdoor adventures.
Airbnb has faced criticism and controversy in some locations due to concerns about its impact on local housing markets and regulations around short-term rentals.

Find and book great deals on flights, hotels, car hire. Your trip starts here.

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In today’s fast-paced world, it’s easy to get caught up in the hustle and bustle of everyday life. We often find ourselves overwhelmed with work, family obligations, and the constant stimulation of technology. As a result, it can be challenging to find a sense of calm and inner peace.

One solution to this problem is mindfulness meditation. This ancient practice involves paying attention to the present moment, without judgment, and with an attitude of openness and curiosity. By practicing mindfulness, we can learn to tune out distractions and focus on what really matters.

Research has shown that mindfulness meditation can have numerous benefits for both physical and mental health. Here are just a few of the ways that mindfulness can help:

Reducing stress and anxiety: Mindfulness has been shown to decrease the production of the stress hormone cortisol, which can lead to lower levels of anxiety and better coping skills in stressful situations.

Improving mood: By focusing on the present moment, mindfulness can help us to cultivate a sense of gratitude and appreciation, which can improve our overall mood and sense of well-being.

Boosting cognitive function: Studies have found that mindfulness can improve working memory, attention span, and decision-making skills.

Lowering blood pressure: Mindfulness has been shown to have a positive effect on blood pressure, reducing the risk of heart disease and other health problems.

Improving sleep: Practicing mindfulness before bed can help to calm the mind and promote restful sleep, which can lead to improved energy levels and overall health.

In short, mindfulness meditation can be a powerful tool for improving both physical and mental health. If you’re interested in trying it out, there are many resources available online and in-person to help you get started. Whether you’re looking to reduce stress, improve your mood, or simply find a sense of inner peace, mindfulness meditation may be just what you need.

Here, I suggest you some of the FREE mobile applications and websites, which will help you more to improve your happiness level.

Insight Timer – A free meditation app that offers a variety of guided meditations, music, and talks from leading mindfulness experts:

DOWNLOAD APP (Android): CLICK

DOWNLOAD APP (iPhone): CLICK

UCLA Mindful Awareness Research Center – A free online resource that offers guided meditations, audio talks, and other resources to help you learn and practice mindfulness: OPEN

Mindful.org – A website dedicated to mindfulness and its benefits, offering articles, videos, and guided meditations: OPEN

Headspace – While Headspace is a paid service, they do offer a free trial period that provides access to their guided meditations and other resources: CLICK

Stop, Breathe & Think – A free meditation app that offers guided meditations, personalized recommendations, and other resources to help you build a mindfulness practice: CHECKOUT

These resources offer a variety of options for incorporating mindfulness meditation into your daily routine, from guided meditations to educational resources and more. Best of all, they are all available for free, so you can begin practicing mindfulness without breaking the bank.