Aprajita Sharma

New Delhi

Journalist at Freelance

Financial Journalist at Mint

Financial journalist @livemint; Co-author, Big Bull of Dalal Street; AJF Fellow, 2021

Articles

Is it time to ditch your health insurance? The dilemma facing senior citizens

3 weeks ago | livemint.com | Aprajita Sharma

She has been considering discontinuing the policy and building a medical emergency fund instead. “Even as I am paying such a huge premium, I had to sue my insurer thrice to get my claim settled. I won twice," she said. “Damned if you do and damned if you don’t,"she says. Yet, she suspects she’ll keep renewing it, simply because there seems to be no alternative. Thane-based Sameer Deshpande, 58, took a different path.
Is it time to ditch your health insurance? The dilemma facing senior citizens

3 weeks ago | flipboard.com | Aprajita Sharma

2 hours agoEngland have recalled Jacob Bethell for the first Test against India and responded to a lengthy pace-bowling injury list by naming Jamie Overton in the squad. Bethell, 21, makes an immediate return after not featuring in the victory over Zimbabwe because of Indian Premier League (IPL) commitments, …
Your EPF makes you eligible for ₹7 lakh life insurance. Here's what you need to do

3 weeks ago | livemint.com | Aprajita Sharma

In other words, if an EPF member passes away while in service, the Employees Provident Fund Organisation (EPFO) will give their nominees or legal heirs up to ₹7 lakh, depending on the employee’s service period and last 12 months of salary. Also, unlike with EPF, in which employees contribute 12% of their basic salary and dearness allowance (PF wages), you don’t have to pay any premium for EDLI.
Your EPF entitles you to ₹7 lakh life insurance. Here's what you need to know

3 weeks ago | flipboard.com | Aprajita Sharma

5 hours agoWhat if wealth wasn’t a driveway full of cars—but the freedom to not need them? There’s a financial crisis hiding in plain sight: the American household vehicle fleet. Families are hemorrhaging money through car payments, insurance, fuel, maintenance, depreciation, parking, and registration. In many …
PF withdrawn but no idea about EPS? You can still access it.

1 month ago | livemint.com | Aprajita Sharma

Summary A major part of employer contribution goes into EPS. Ignoring it is your loss. This is a Mint Premium article gifted to you. Subscribe to enjoy similar stories. Mr. A worked with employer 1 for a couple of years before joining employer 2. There was a gap of two months before he joined the second company, which made Mr. A eligible for withdrawing his employee provident fund (EPF). He did so. But he was not aware of the employee pension scheme (EPS).
HT Syndication: PF withdrawn but no idea about EPS? You can still access it.

1 month ago | htsyndication.com | Aprajita Sharma

New Delhi, May 29 -- Mr. A worked with employer 1 for a couple of years before joining employer 2. There was a gap of two months before he joined the second company, which made Mr. A eligible for withdrawing his employee provident fund (EPF). He did so. But he was not aware of the employee pension scheme (EPS). An employee's 12% basic salary goes into EPF as the employee contribution. The employer matches the employer contribution.
Is your PF money stuck? Here’s how you can get it back

1 month ago | livemint.com | Neil Borate |Aprajita Sharma

Long Story Summary Worked multiple jobs only to see your hard-earned money stuck with the EPFO with no way of getting it out? Well, help may be at hand. Read on to see how you may finally be able to claim what is rightfully yours. This is a Mint Premium article gifted to you. Subscribe to enjoy similar stories. Pune/New Delhi: Mumbai-based Abhishek Shenoy (38) started his first job in 2008 but quit after a couple of years to study further.
Why that deluxe hospital room could cut your insurance cover by 50%

1 month ago | livemint.com | Aprajita Sharma

Most policyholders—and even some professionals—overlook this critical fine print, assuming it’s a minor cost difference. But that assumption can cost you lakhs. Mint breaks down how this clause works, why it’s so dangerous, and how you can avoid financial shock. Also read: In charts | The health insurance puzzle: 83% Indians aware but only 19% covered What is a room rent limit?
Four issues you may face if you switched jobs but did not transfer your provident fund

1 month ago | livemint.com | Aprajita Sharma

NEW DELHI : When we switch jobs, we are told to transfer our employee provident fund (EPF) to the new employer. This requires filling out Form 13. Some people ignore this, and in some cases, it doesn't happen even after they apply for it. We have compiled five reasons why you must transfer your EPF to avoid challenges that you may face later.
Can you combine two health plans in a single claim? Yes-here's how

1 month ago | livemint.com | Aprajita Sharma

You must first settle the claim with one insurer. Get a claims settlement letter from the first insurer and submit the same to the second insurer along with bills. The documents include copies of bills already settled by the insurer and original bills of unsettled amount, hospital receipts and KYC documents. If both insurers are involved, you can use the first policy for a cashless claim up to its sum insured.