Author name: Chinnagounder Thiruvenkatam

Editor leads the Tipsclear editorial process. Our team studies real pricing, real policies, and real terms and conditions so we can explain money decisions in plain English. We focus on practical steps you can take today: lowering bills, understanding credit, choosing insurance, and avoiding avoidable fees. Before we publish, articles go through internal review for accuracy and transparency. We do not sell “secret tricks,” we do not recommend anything that looks abusive or misleading, and we clearly mark any financial risks readers should know. Tipsclear is reader-first. The information on this site is educational and should not be treated as personal financial advice.

downloading board exam mark sheets and migration certificates
Education & Scholarships

How to Download Board Exam Mark Sheet and Migration Certificate Online

Who Needs This Service? Eligibility: Students who have passed Class 10th or 12th board examinations from CBSE, state boards (like UP Board, Maharashtra Board, Bihar Board, etc.), or other recognized educational boards in India Former students who need duplicate mark sheets or migration certificates for higher education admission, job applications, or overseas education Students switching […]

Finance

ESI Benefits for Workers: How to Use ESI Card in Hospital

Who Needs This Service? Eligibility: All employees registered under the Employees’ State Insurance (ESI) scheme earning up to ₹21,000 per month (gross salary) and their dependents can use ESI medical facilities. The ESI card is valid for insured persons (IP), their spouse, dependent children (up to 25 years), and dependent parents. Required Documents for ESI

Health & Insurance Services

How to Find Nearest Jan Aushadhi Generic Medicine Store and Price List

Who Needs This Service? Eligibility: All Indian citizens can access Jan Aushadhi Kendras (generic medicine stores) to purchase quality generic medicines at affordable prices, typically 50-90% cheaper than branded alternatives. No eligibility criteria required – these stores are open to everyone, with a special focus on economically weaker sections, senior citizens, and rural populations seeking

Health & Insurance Services

How to Use Online OPD Registration in Government Hospitals (Where Available)

Who Needs This Service? Eligibility: Any Indian citizen or resident seeking outpatient department (OPD) consultation at government hospitals that have implemented online registration systems. Patients requiring specialist consultations, routine check-ups, or follow-up visits at central government hospitals (AIIMS, CGHS), state government hospitals, and select district hospitals offering digital appointment booking. Note: Online OPD registration availability

Health & Insurance Services

How to Check Your Name in State Health Scheme Beneficiary List Online

Is your family eligible for ₹5 Lakh free medical treatment? Here is the exact way to check the official government lists online. India’s public health assurance landscape is massive, primarily anchored by Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY), but also supported by powerful state-specific schemes like Swasthya Sathi (West Bengal), Aarogyasri (Andhra Pradesh/Telangana),

Health & Insurance Services

Major State Health Insurance Schemes for Families: Simple Overview Guide

Who needs this service? Low to Middle-Income Families: Households earning less than ₹5 Lakhs/year (limits vary by state). Ration Card Holders: Families with White, Yellow, Orange, or Antyodaya Anna Yojana (AAY) cards. Unorganized Workers: Farmers, construction workers, and street vendors. Senior Citizens: Those needing critical care coverage (Cancer, Kidney, Heart issues) without cash payments. 1.

Health & Insurance Services

How to Use Ayushman Card at Hospital: Step by Step Patient Experience

Who needs this service? Indian citizens listed in the SECC 2011 database (Socio-Economic Caste Census) who fall under deprivation categories (e.g., households with no adult male member, SC/ST households, landless labourers). Active Ration Card holders (Antyodaya Anna Yojana/Priority Households) in states that have integrated their databases. Workers in the unorganized sector (ragpickers, domestic workers, street

Health & Insurance Services

How to Find Ayushman Bharat Empanelled Hospital Near Your Home

Who needs this service? Eligible Families: Low-income families listed in the SECC 2011 database (Rural/Urban) and families with valid Ayushman Cards. Senior Citizens (70+): All senior citizens aged 70 years and above (newly added) irrespective of income. Emergency Patients: Beneficiaries needing urgent cashless treatment for secondary or tertiary care (hospitalization). Required documents To avail free

Health & Insurance Services

Ayushman Bharat Card: How to Check Eligibility and Apply Online

Who needs this service? Families listed in SECC 2011: Low-income households identified in the Socio-Economic Caste Census. Senior Citizens (70+ years): ALL citizens aged 70 and above are now eligible for ₹5 Lakh coverage (separate from family) regardless of income. Frontline Workers: ASHA workers, Anganwadi workers, and helpers. Categories: Households with no adult male member

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