Insurance Companies and their ‘No Medical Test’ Policies

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Such policies are nothing less than hidden attempt to reject most claims. Many policy conditions are written in such ambiguous fashion that the TPA and/or Insurance companies can reject any claim at their will and discretion. Before signing for any policy, one needs to go through and understand all conditions laid down in the policy/prospectus. Unfortunately, these conditions of the policies are written in such a language that these can be turned and twisted by the TPA/ Insurance Companies. If someone requests them to send a ‘rejection letter’ , for that also TPA insists that all their procedures must be completed.

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Self-appraisal Interpersonal Skill; Answer 14 Questions

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7 Reasons for Respecting Others

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  1. Respect is a key element for creating a good bond between people, whether it is family, friends, work zone or any other surrounding.
  2. One of the best ways to respect is to listen. Listen to what the person is trying to say. First listen, then understand, then say something if you have something to say. Listen to understand, not to reply. Sometimes, you may not understand what that person is trying to say or express. But respecting them by listening to their words might be excellent for them. It may not be anything to you, but for them it could be everything.
  3. We owe respect and give love. If someone has done something nice to us, then we owe them respect. We need to thanks them. But love is without expectation.
  4. If you have done something good, then you need not beg for respect and compromise your dignity. Remember, respect is for those who deserve it, not those who demand it.
  5. Show respect to people who don’t deserve it, not as their character’s reflection but of yours. Show them how you treat them.
  6. Sometimes, the way people treat you is your own reflection. They just show us the mirror. So, treat them the way you want them to treat you. It’s a give and take business. Give respect earn respect.
  7. But, is respecting others the only thing? The answer is – NO. While respecting others, you have to create respect for yourself. First respect yourself. The person who doesn’t respect himself can’t expect respect from others. The famous scientist Albert Einstein has once said, “Everyone should be respected as an individual, but no one idolized.”

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2 Faces of the same coin – Jealousy

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A soap opera telecasted on a South Korean TV channel called “Jealous Incarnate” depicts that jealousy is a part and parcel of human personality. Yes, jealousy is interconnected with the human emotions, thoughts and feelings and it occurs due to insecurity, fear, concern, and anxiety over an anticipated loss of status or something of great personal value, particularly in reference to a human connection. In short, the resentment against rival success is called jealousy.

Many people fall prey to this negative emotion. A recent study shows that insecurity and inferiority complex is the main aspect behind jealousy. And person who suffers with these feelings tends to have jealousy.

Jealousy has two faces. The first face is that you are jealous of somebody and the second face is that you are getting disturbed just because someone else is jealous of you. In both the cases, analysis of the problem is required. Let’s now witness the opinions stated by certain individuals regarding jealousy.

Quotes on jealousy  

As expressed by some individuals “ Jealousy indicates the lack of self-confidence in oneself”. As it is already stated above “It is a kind of hatred built upon insecurity”. “When you develop a hatred for a person, then they possess something which you are in need of. If a person hates you then you possess something which they are in need of” is a definition given by another set of individuals for jealousy.

There’s another saying which goes like this “Never hate a person who is jealous of you instead respect their jealousy towards you because they are the ones who consider you better than themselves”. But it isn’t quite agreeable that one should respect the jealousy shown on them because out of jealousy the person can execute something that is harmful. Therefore you need to have an eye on your interest.

There was a movie last back in 70’s titled “Blow Hot Blow Cold”. The story isn’t important but the climax matters. The climax was set in an idyllic natural background in which there were 2 couples. One couple was young and the other one was middle aged. The young couple were passionately making love and at that point of time the middle aged man is shown to be extremely jealous. And in the climax the middle aged man kills the young man due to jealousy. Hence, jealousy can go to the extent of committing a crime. Therefore, we cannot afford to forgive or forget the people who are jealous and it is advisable to be cautious about them.

Some people say “I don’t give people a reason to hate me, but they create their own drama out of jealousy”. This is absolutely true. Even though you aren’t in a need to attract the jealousy of the people around you, still there are people jealous of you. There is a low-key comment given by individuals on jealousy “Never flaunt anything. You are giving a reason for others to get jealousy.”

As it is explained above we cannot respect the person who is jealous and we have to be watchful over them. Likewise, it isn’t logical how a person can be unhappy and unsatisfied in their life that they have to illustrate a drama just to get noticed among the crowd. Yes, it’s very true that many people are unhappy in their life and it’s due to various reasons. Consequently, they find out an exhaust. They vent out there bottled-up feelings and suffer from jealousy.

The next set of individuals, are those who were close to you once upon a time have now become just invert strangers. For example, there are two friends. Whereas one becomes rich and feels below his dignity to approach his poor friend and acts like he doesn’t recognize him. And even if they pass on the same ground and face each other, they will pose as though they haven’t met each other in their

lifetime. This is so true and everybody would have come across this situation atlaest once in a lifetime.

Another group of people are the people who are intimidated by you. Hence they start badmouthing about you with an expectation that others don’t find you appealing. Yes, they don’t wish the other people or the common friends, associates or relatives to like you. So, therefore they badmouth you in whatever way possible.


Jealousy is indeed the worst characteristic in any person but the fact is that every human at one point of time experience jealousy. Jealousy may create problems or conflicts for the people on whom they are jealous with. You may not be jealous of others but on the other side you shouldn’t show magnanimity simply to please others so that they don’t create any harm to you. Instead you need to

find your own ways to guard yourself and be cautious.

Jealousy is a disease. If it has infected you, then get well soon!!

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Empathy is the critical need of Humanity!

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Teenage Girl Visits Doctor's Office Suffering With Depression

“I believe empathy is the most essential quality of civilization.” – Roger Ebert

An interesting study in the field of human nature suggests that humans are soft wired to experience another’s plight as we are experiencing it ourselves. Empathy has its roots deeper in human nature. Mirror neurons, as the scientists call it are behind the chemistry that is needed to experience what others are going through. Mirror neurons make you go through the same feeling as others just by seeing them. Empathy is a human reaction which arises after having an illusion of being in the same situation as you see the other person. Being civilized, it is utmost important for you to stand in someone else’s shoes before being judgmental.

“Empathy is about standing in someone else’s shoes, feeling with his or her heart, seeing with his or her eyes. Not only is empathy hard to outsource and automate, but it makes the world a better place.” Daniel H. Pink

Empathy is being able to feel what others are feeling. While working with customers, peers, boss, one has to develop empathetic skills by respecting their work. Through this you can advance social progress, because empathizing is more like the process of connecting. Empathy essentially means understanding people, animal or the natural surroundings thus making the world a better place.

We, the civilized people do not bother while hurting others. We never revisit the agony which is caused to other people by us. If the same harm is done to us we behave quite differently. This deficit in empathy can be called as self absorption. In order to change your perception about the reaction to different situation others are in, you need to expand your consciousness. Thus, walking the spiritual path in other person’s shoes refraining from passing a judgment. Treading this path, you can easily feel other’s pain as if its your own.

“Empathy is really the opposite of spiritual meanness. It’s the capacity to understand that every war is both won and lost. And that someone else’s pain is as meaningful as your own.” – Barbara Kingsolver

 “Movies that encourage empathy are more effective than those that objectify problems.” – Roger Ebert

Media has profound effect on civilized mind. It is one of the powerful tool which can create revolution. When mirror neurons in humans can create exactly same effect as other person, visualizing an actor crying triggers crying response from the audience. In order to create a generation which is empathetic, it is important to create media which encourages empathy instead of objectification of the problem. Here, bringing out the humane side of the problem is necessary.


“If you find yourself saying ‘But I’m just being honest’, chances are you’ve just been unkind. Honesty doesn’t heal. Empathy does.”- Dan Waldschmidt 

As per one famous Sufi saying it is necessary to let the words which you want to speak pass through three gates. The first one would ask whether those words are true? The second would ask are those words necessary to be spoken and the third gate would ask are those words kind?

The words by now would have already become empathetic. Honesty is a good trait to have but while being honest, you cannot lose kindness.

“Could a greater miracle take place than for us to look through each other’s eyes for an instant?” – Henry David Thoreau

Religion, Institutions, Nationalism are just reasons for not being empathetic. The fellow human beings, the creatures and the surroundings have one thing in common, their connection with each other. An instance of looking into each other’s eyes and understanding the pain, can be a miracle. It is mainly because that would invoke the natural connection which you have with the fellow human being.

Judging is easy, but understanding other person’s perspective requires a painstaking effort. We must understand before we judge.

Once your spirituality takes you to the level of understanding other person’s point of view, you are practicing empathy.

“Have compassion and empathy in your heart. Many people are suffering deep emotional anguish beneath the surface of their lives, and smile even as they hurt inside”. – Jim Palmer

Compassion and empathy are at the center stage of a happy life. Deep emotional anguish can be devastating but it’s the compassion which would bring the lives together. Words can hurt but the actions showing empathy would heal anyone’s life who is deeply suffering emotionally.

“Traits like humility, courage, and empathy are easily overlooked – but it’s immensely important to find them in your closest relationships.” – Laura Linney

Relationships are very difficult to handle when there is no humility, courage or empathy left in them. In the world where human beings are just a part of some superficial race to earn money, these important traits have been overlooked. When relationships go beyond repair, instead of identifying the underlying problems, empathy, humility and courage would help a great deal in healing it.

 I have a great deal of empathy for anyone who is having a hard time. I believe this ability to see another’s view point has served me well as a writer – Alex Flinn

What is that you would offer when you see a person suffer emotionally? The best thing to be offered is your empathy. Seeing the world from his viewpoint and understanding his emotional state would be the most appropriate thing to be done at that point. It would help you as a person. It would give you immense satisfaction as you have understood a fellow human being, made a connection with him without judging him. This particular act of empathy would take you a different level, it would make you more HUMANE.

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Speech Spells Your Style

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Speech is, perhaps, one of the most important aspects of communication, today. Speech comprises the words that you speak and more importantly how you speak these words. Speech is not taught in schools and colleges. We just pick it up – from our parents, teachers, friends and others in the society with whom we interact. Some of the mistakes that people make in our circle are also adopted by us, though unknowingly. When we set out to improve, we have to unlearn many things. Just because we have been committing these mistakes again and again these form a part of our speech habits. Speech blemishes can be corrected with knowledgeable guidance and a lot of practice. In this regard let’s deal with the following six items:

  1. Knowledge of language grammar.
  2. Your vocabulary in that language.
  3. How you construct your sentences.
  4. Clarity in your voice.
  5. Your knowledge and ability to pronounce the words correctly and clearly.
  6. Pace, pause and tone of your speech.

Knowledge of grammar Normally, it is assumed that knowledge of grammar is only bookish ability and it’s useful only for written communications. This is a fallacy and totally incorrect. You can make nice sentences easy to understand only if you are adequately comfortable in the grammar of the language.

Learning or building of vocabulary is a lifelong process. It should never cease. Difficult, fancy or fashionable words need not be a part of your vocabulary. In fact, simple is beautiful.

Your construction of sentences, in a way, defines your speech. The efficacy of your speech depends on it. Short sentences of varying length may be intertwined to bring out a beautiful style.

Voice plays a major role in your speech. Voice need to be pleasing to the ears of your listeners. Voice can be made very attractive by proper breathing and desirable use of the speech organs.

Pronouncing the words correctly and clearly shows your style. Importance of clear and correct pronunciation should never be undermined.

How you speak is as important in conversation and speech as the content and language, if not more. Power of your speech depends on the judicious use of changing pace, pause and tone etc.    

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Exploit Your Talent to shine!

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Show Us Your Talent

Lucius Annaeus Seneca quotes “ Shun no toil to make yourself remarkable by some talent or other”!

Talent is an innate ability which one is gifted with. Everyone, indeed, has been bestowed upon with some talent. But some people can identify it and some people take it unidentified to the grave. In short, identification of your talent is what makes the whole difference. Mere identifying it is not enough and it should be further developed by consistent efforts. Sometimes your talent may be of immense use in your career field and if you develop it proactively, then success is just a  cakewalk for you.

Sydney Smith has convincingly brought forward the fact by saying,” Whatever you are by nature, keep to it; never desert your line of talent. Be what nature intended you for, and you will succeed.”

So this is the simplest way to achieve success!! Then why many can’t make it up to that success? Because the problem lies in identifying: what is your talent! The task of identifying talent becomes difficult given the number of influences  one has from one’s childhood. The parents wish their children to achieve something without knowing what the child is good at. The teachers also imprint the minds of the pupils by their perception of good & bad. Peer pressure, further, adds to the influence which a person is exposed to in an impressionable age.

Thus, talent gets hidden somewhere in the routine life and one tends to be ugly duckling.

But once you know what you are good at and polish the same, life takes you to places.

One can transform oneself and understand one’s true self only when one has  the ability to ward off these influences.

A mentor is the one who can help you identify your flair. If you do not have one, then it is essential to find one who can guide you to find your competence  and further to enhance the same. A mentor is a consultant who may not be related to you though he will be interested to see your growth. Mentor could be a friend, a teacher or your parent.It is not only the individuals who get benefited by the mentors but many progressive companies are seen to hire mentors in order to help them grow.

Strong conviction in your ability makes you shine out in the crowd. You should eye million opportunities which you come across; given your inclination. Once you focus all your energies on your talent, you can make the best of any smallest opportunity you encounter. You should not let go any opportunity rather turn it into the golden one.

It is often said” When opportunity knocks, don’t let the fear hold you back.Open the door and embrace the opportunity which has come forth”!

Once you identify your talent ,it is more important to master it. In this fast growing competitive world you can’t relax with mere inherent talent. You should master the art to fortify it further  with all the necessary efforts. You should have an action plan to exploit your talent and have to  follow up the plan, diligently . A close monitoring of your action plan with the help of a written record is also a must while mastering your talent. Once a master of your talent, you can master success.

Keep yourself updated with the field of your inclination. Keep yourself equipped with the technological advancement in the field of your choice else you will be left behind. Identify the people who have made it great in the world, with the talent same as yours. Reading their life stories and experiences will also make you understand what it took them to reach their and how best you can have an edge. Get inspired from their stories.

Written reports of your journey at taming your talent helps in a long way, too. Always have a journal which helps you understand where you stand. Monitoring day to day progress towards mastering your talent is a continuous process. Create milestones and verify yourself against those. If your lag behind ,push harder to mitigate those.

No wonder with your continuous efforts you would transform the ugly duckling into a beautiful swan.