Latest news with #Niraj
Scottish Sun
4 days ago
- Health
- Scottish Sun
Major holiday warning to any Brits who take skinny jabs over ‘serious breach' that could cost you £1,000s
Scroll down for more details on weight-loss drugs HOL NO Major holiday warning to any Brits who take skinny jabs over 'serious breach' that could cost you £1,000s Click to share on X/Twitter (Opens in new window) Click to share on Facebook (Opens in new window) UK TOURISTS have been warned about a potential travel insurance issue in the lead up to summer. Travel experts revealed that failure to list skinny jabs on the documentation could cost you thousands. Sign up for Scottish Sun newsletter Sign up 2 British holiday-makers have been warned not make a common error when applying for travel insurance (stock image) Credit: Alamy Any Brits holidaying abroad have been reminded to list their skinny jabs on official documents. Failure to do so could potentially jeopardise the validity of your travel insurance, reports Birmingham Live. Experts at Forum Insurance have detailed how not declaring usage of weight management drugs such as Ozempic could cause you problems on holiday. Niraj Mamtora, director at the company, explained that weight-loss drugs must be declared when taking out travel insurance, as it could be deemed as a breach of contract. 'Weight-loss medications are transforming lives across the UK, but too many travellers don't realise the insurance implications," he said. "If you're using these drugs, you must declare both the medication and the condition it's prescribed for. 'Failure to do so is not a minor oversight - it's a serious breach of your travel insurance contract." He broke down how this can impact your coverage when travelling abroad. "If you need medical help overseas and haven't declared your medication, your claim can be refused and your policy cancelled," Niraj explained. "The financial consequences can be severe.' I was sick of trying fad diets and not losing weight but now I've shed FIVE STONE without fat jabs or silly eating plans This means you could be faced with an insurer who is "within their rights" to refuse a claim. "Non-disclosure is a gamble that's simply not worth taking," the expert continued. "If you don't declare your medication or the underlying condition, your insurer is within their rights to refuse any claim, even if it seems unrelated. 'Many travellers only discover too late that their travel insurance claims are rejected, leaving them without support and facing potentially huge bills." He revealed that the average medical claim abroad now exceeds £1,700, with costs rising significantly with age. What are the other side effects of weight loss jabs? Like any medication, weight loss jabs can have side effects. Common side effects of injections such as Ozempic include: Nausea: This is the most commonly reported side effect, especially when first starting the medication. It often decreases over time as your body adjusts. Vomiting: Can occur, often in conjunction with nausea. Diarrhea: Some people experience gastrointestinal upset. Constipation: Some individuals may also experience constipation. Stomach pain or discomfort: Some people may experience abdominal pain or discomfort. Reduced appetite: This is often a desired effect for people using Ozempic for weight loss. Indigestion: Can cause a feeling of bloating or discomfort after eating. Serious side effects can also include: Pancreatitis: In rare cases, Ozempic may increase the risk of inflammation of the pancreas, known as pancreatitis, which can cause severe stomach pain, nausea, and vomiting. Kidney problems: There have been reports of kidney issues, including kidney failure, though this is uncommon. Thyroid tumors: There's a potential increased risk of thyroid cancer, although this risk is based on animal studies. It is not confirmed in humans, but people with a history of thyroid cancer should avoid Ozempic. Vision problems: Rapid changes in blood sugar levels may affect vision, and some people have reported blurry vision when taking Ozempic. Hypoglycemia (low blood sugar): Especially if used with other medications like sulfonylureas or insulin. According to the firm, there appears to be a "growing trend" in people looking to use Ozempic, or other types of weight-loss drug. Niraj cited NHS data between March 2024 and February 2025, which showed that more than 83,000 "unique patients" in England were dispensed Ozempic. He also revealed over 344,000 individuals possessed a prescription for weight-loss medications in the past year. 'With new drugs entering the market and millions more eligible for these treatments, the number of Brits travelling with prescription weight-loss medication is set to rise further," the director said. If you're taking weight-loss drugs and planning a holiday abroad, make sure you have declared all pre-existing medical conditions and any other drugs to your travel insurance provider. If you are taking medication which has not been prescribed or for "off-label" usage, this must also be disclosed as it can affect your travel cover. "Carry a copy of your prescription or a doctor's letter when travelling with medication, and check the rules of your destination country regarding bringing in prescription drugs," the pro advised. "Remember that insurance claims related to undeclared conditions or medications can be refused, even if the issue seems unrelated."
The Irish Sun
4 days ago
- Health
- The Irish Sun
Major holiday warning to any Brits who take skinny jabs over ‘serious breach' that could cost you £1,000s
UK TOURISTS have been warned about a potential travel insurance issue in the lead up to summer. Travel experts revealed that failure to list skinny jabs on the documentation could cost you thousands. 2 British holiday-makers have been warned not make a common error when applying for travel insurance (stock image) Credit: Alamy Any Brits holidaying abroad have been reminded to list their skinny jabs on official documents. Failure to do so could potentially jeopardise the validity of your travel insurance, reports Experts at Niraj Mamtora, director at the company, explained that weight-loss drugs must be declared when taking out travel insurance, as it could be deemed as a breach of contract. 'Weight-loss medications are transforming lives across the UK, but too many travellers don't realise the insurance implications," he said. "If you're using these drugs, you must declare both the medication and the condition it's prescribed for. 'Failure to do so is not a minor oversight - it's a serious breach of your travel insurance contract." He broke down how this can impact your coverage when travelling abroad. Most read in News Travel "If you need medical help overseas and haven't declared your medication, your claim can be refused and your policy cancelled," Niraj explained. "The financial consequences can be severe.' I was sick of trying fad diets and not losing weight but now I've shed FIVE STONE without fat jabs or silly eating plans This means you could be faced with an insurer who is "within their rights" to refuse a claim. "Non-disclosure is a gamble that's simply not worth taking," the expert continued. "If you don't declare your medication or the underlying condition, your insurer is within their rights to refuse any claim, even if it seems unrelated. 'Many travellers only discover too late that their travel insurance claims are rejected, leaving them without support and facing potentially huge bills." He revealed that the average medical claim abroad now exceeds £1,700, with costs rising significantly with age. What are the other side effects of weight loss jabs? Like any medication, weight loss jabs can have side effects. Common side effects of injections such as Ozempic include: Nausea : This is the most commonly reported side effect, especially when first starting the medication. It often decreases over time as your body adjusts. Vomiting : Can occur, often in conjunction with nausea. Diarrhea : Some people experience gastrointestinal upset. Constipation : Some individuals may also experience constipation. Stomach pain or discomfort : Some people may experience abdominal pain or discomfort. Reduced appetite : This is often a desired effect for people using Ozempic for weight loss. Indigestion : Can cause a feeling of bloating or discomfort after eating. Serious side effects can also include: Pancreatitis : In rare cases, Ozempic may increase the risk of inflammation of the pancreas, known as pancreatitis, which can cause severe stomach pain, nausea, and vomiting. Kidney problems : There have been reports of kidney issues, including kidney failure, though this is uncommon. Thyroid tumors : There's a potential increased risk of thyroid cancer, although this risk is based on animal studies. It is not confirmed in humans, but people with a history of thyroid cancer should avoid Ozempic. Vision problems : Rapid changes in blood sugar levels may affect vision, and some people have reported blurry vision when taking Ozempic. Hypoglycemia (low blood sugar) : Especially if used with other medications like sulfonylureas or insulin. According to the firm, there appears to be a "growing trend" in people looking to use Ozempic, or other types of weight-loss drug. Niraj cited NHS data between March 2024 and February 2025, which showed that more than 83,000 "unique patients" in England were dispensed Ozempic. He also revealed over 344,000 individuals possessed a prescription for weight-loss medications in the past year. 'With new drugs entering the market and millions more eligible for these treatments, the number of Brits travelling with prescription weight-loss medication is set to rise further," the director said. If you're taking weight-loss drugs and planning a holiday abroad, make sure you have declared all pre-existing medical conditions and any other drugs to your travel insurance provider. If you are taking medication which has not been prescribed or for "off-label" usage, this must also be disclosed as it can affect your travel cover. Read more on the Irish Sun "Carry a copy of your prescription or a doctor's letter when travelling with medication, and check the rules of your destination country regarding bringing in prescription drugs," the pro advised. "Remember that insurance claims related to undeclared conditions or medications can be refused, even if the issue seems unrelated." 2 Weight-loss drugs such as Ozempic should be disclosed on forms when applying for travel insurance (stock image) Credit: EPA
Indian Express
07-05-2025
- Politics
- Indian Express
‘Good work': Family of 33-year-old Jaipur man killed in Pahalgam attack praises Army for strikes in Pakistan, PoK
Prakash, the uncle of Jaipur's Niraj Udhwani, 33, who was killed in the Pahalgam terror attack on April 22, said that 'good work' has been done, while calling for more attacks from the Indian armed forces. India on Wednesday hit nine sites in Pakistan and Pakistan-occupied Kashmir, targeting terrorist infrastructure there. The strike came two weeks after the Pahalgam terror attack. 'Good work has been done by the Indian Army in attacking their hideouts, but not all of them have been demolished. They (terrorists) can come over (to the Indian side) again so they should be properly razed,' Prakash told The Indian Express on Wednesday. Another uncle, Bhagwan Das Udhwani, also said that 'what is happening is right. The government is acting honestly and knows better than us.' Niraj worked in Dubai and had come to India with his wife Aayushi and some friends to attend a wedding in Shimla. After the wedding, while the others left, Niraj and his wife went to Pahalgam to holiday for a couple of days and were supposed to head back to Dubai from Chandigarh. However, Niraj was among the 26 people shot dead by terrorists in Pahalgam. 'There have been other incidents in the past too. What was our fault? What was the fault of the innocents? Today my son has gone, tomorrow it could be someone else. The government should ensure the safety of the people,' his mother Jyoti had said earlier. Niraj and Aayushi got married in February 2023, and had no children. He studied at The Indian High School in Dubai, returned to India for his undergraduate and accounting courses, before heading to the UAE again for a job. He worked as the finance manager at Cognita Schools in Dubai.
Time of India
05-05-2025
- Business
- Time of India
New ITR-2 form notified for income tax return filing AY 2025-26: What's new for taxpayers? Check top points
notified: The (CBDT) has notified the updated ITR-2 Form for AY 2025-26, which includes key changes such as separate reporting of , allowance of capital loss on share buybacks from October 1, 2024, and a raised threshold for reporting assets and liabilities to Rs 1 crore. Tired of too many ads? go ad free now The revised form also mandates reporting of section codes and enhanced disclosures for deductions like 80C and 10(13A). ITR-2 Form FY 2024-25: Top points Capital gains must now be reported separately for transactions before and after July 23, 2024, following changes in the Finance Act, 2024. Capital loss on share buybacks will be allowed if corresponding dividend income is disclosed as 'Income from Other Sources,' effective from October 1, 2024. The threshold for reporting assets and liabilities has been raised from Rs 50 lakh to Rs 1 crore of total income. Reporting requirements for deductions under sections like 80C and 10(13A) have been expanded. A new column has been introduced under Schedule-TDS to specify the section under which TDS was deducted (e.g., 194I, 194J). What does the new ITR-2 mean for taxpayers? Tax experts have expressed mixed opinions on the new ITR-2 form, noting both the simplifications and the added complexity. CA Ashish Niraj, Partner at A S N & Company Chartered Accountants, welcomed the relief for non-business taxpayers from burdensome disclosure requirements: 'If we see till last year, Schedule AL, which was for assets and liabilities, was applicable if total income exceeded Rs 50 lakhs. But now, it's applicable if total income exceeds Rs 1 crore. Preparing details of assets and liabilities as of March 31st every year is a tedious task for non-business entities for which 2 is applicable. By increasing the limit to Rs 1 crore, taxpayers in the bracket of Rs 50 lakh to Rs 1 crore will get relief from preparing the details,' he told TOI. Niraj added that the requirement aims to resolve some of the earlier inefficiencies: 'Earlier, while entering TDS details in ITR 2, it was not required to mention the section under which TDS was deducted, such as Section 194I, 194J, etc. Now, a separate column is provided for the section. Sometimes, when TDS returns were not filed in time by the deductor or were filed with incorrect particulars, taxpayers used to enter TDS details such as TAN, Name, and amount manually. As there was no 'section' column, the tax department faced issues in processing and cross-verifying. Now, this new column will bring clarity in reporting.' The changes to capital gains reporting also reflect recent shifts in tax policy: 'Before July 23, 2024, the Long-Term Capital Gain rate was 20% with indexation. Tired of too many ads? go ad free now After July 23, 2024, a new rate of 12.5% without indexation was introduced. In the newly notified ITR 2, separate columns are added to report transactions before and after July 23, 2024, separately.' Niraj also pointed out the government's tightening of compliance around disability-related deductions: 'In recent years, the department has caught many fake claims for claiming refund or reducing tax liability under Section 80U, 80DD etc for disability. Now, disability certificate details etc. are required.' CA Gopal Bohra, Partner – Direct Tax at N. A. Shah Associates LLP, explained the updates regarding capital gains taxation: 'Considering the two tax rates applicable on capital gains for the FY 2024-25 (i.e. gains accrued up to July 22, 2024, and gains accrued on or after July 23, 2024), CBDT has introduced a split in Schedule Capital Gains to report separately the capital gains where transfer was before July 23, 2024, and where transfer was on or after July 23, 2024. Similarly, separate computation mechanisms are provided in ITR in relation to capital gains from transfer of land or building by resident individuals where such land or building was acquired prior to July 23, 2024. These changes in ITR will help the individual taxpayer to compute the correct tax liability on capital gains while filing the ITR.' Bohra also explained the impact of the Finance Act (No. 2) of 2024, which will affect share buybacks: 'As amended by Finance Act (No. 2) 2024 with effect from October 1, 2024, the buyback receipt will be taxed in the hands of the recipient as dividend under the head 'Income from Other Sources,' and the cost of such shares will be allowed as capital loss under the head 'Capital Gains.' Accordingly, in ITR-2, separate line items are added under Schedule 'Capital Gains' and Schedule 'OS' to disclose capital loss on buyback of shares on or after October 1, 2024, and receipt from such buyback taxable as dividend under section 2(22)(f) of the Act,' he told TOI. Sonam Chandwani, Managing Partner at S Legal & Associates, termed the new form a mixed experience for taxpayers. 'The ITR-2 form for AY 2025-26, feels like a mixed bag compared to last year's version. The new split in Schedule Capital Gains for pre- and post-July 23, 2024, gains is a smart move to align with the Finance Act's tax tweaks, but it's a headache for taxpayers juggling multiple transactions. Allowing capital losses from share buybacks after October 1, 2024, is a win for investors, though tying it to dividend income reporting feels like a bureaucratic trap waiting to trip people up. Bumping the asset and liability reporting threshold to Rs 1 crore is a relief for middle-income filers, sparing them tedious paperwork, but the beefed-up deduction reporting for 80C and 10(13A), plus mandatory TDS section codes, screams overreach. Honestly, while the form tries to balance clarity and compliance, it's tilting toward complexity, likely forcing salaried folks and HNIs to lean harder on CAs to avoid errors.'
Gulf News
24-04-2025
- Business
- Gulf News
Pahalgam terror attack: Rich tributes paid to Indian expat in Dubai gunned down in Kashmir
Dubai: Rich tributes have been pouring in for Niraj Udhwani, an Indian expat in Dubai who was one of the 26 people killed in the Pahalgam terror attack in Kashmir, India on Tuesday. Niraj, a 33-year-old finance professional, was on a holiday with his wife Aayushi when gunmen opened fire in the popular tourist zone. A finance manager with a school group in Dubai, Niraj had a big circle of friends here since he grew up in the city. On Thursday, The Indian High School Dubai, where he did his schooling, paid rich tributes to the former student. 'With profound grief and heavy hearts, we mourn the tragic loss of our esteemed alumnus, Niraj Udhwani, who lost his life in the recent terror attack in Pahalgam, Kashmir,' Punit MK Vasu, CEO of The Indian High Group of Schools said in a statement to Gulf News. He said the entire school observed a minute of silence, praying for strength and solace for his loved ones as they navigate this profound loss. They also prayed for Niraj's soul and extended condolences to his family. 'May Niraj's soul rest in eternal peace, and may his memory always remain a blessing to all who knew him. On behalf of The Indian High Group of Schools, we extend our deepest condolences to Niraj's family in this unimaginable time of grief.' Class of 2011 member Punit said Niraj was a proud member of the Class of 2011. 'He joined The Indian High School, Oud Metha campus Dubai, in Grade 5 and completed his schooling in the academic year 2010–11, graduating from the Commerce stream. Over nine meaningful years, he became a cherished part of our school community—fondly remembered for his sincerity, warmth, and gentle spirit.' An earnest student with a keen interest in Accounting, Niraj was deeply committed to academic growth and always eager to contribute to school programmes. His teachers in the Commerce stream remember him vividly for his enthusiasm and active participation. 'His untimely and tragic demise has left our entire school family in shock. A promising life full of hope and dreams was cruelly taken in an act of unspeakable violence—an affront to all who believe in peace, humanity, and the sanctity of life. Violence can never be justified,' he added. Many friends of Niraj have shared their shock and grief on social media as well. Some of his school friends recalled the good old school days they spent together and remembered him a fun-loving person full of life. Loved travel, adventures According to their friends, Niraj and Aayushi were inseparable. The couple, who got married in 2023 after a magical proposal in 2021, loved travelling. They decided to visit Kashmir for a trip when they had travelled to India to attend a friend's wedding. Niraj had shared several social media posts about their trips and adventurous activities including his skydiving session in Dubai. The couple had also shared pictures and videos of a new family member they welcomed home in March—a puppy called Truffle. The final rites of Niraj were performed on Thursday at Mokshadham crematorium in his native town Jaipur in the north Indian state of Rajasthan. Reports from India said his elder brother, Kishore Udhwani, lit the funeral pyre, surrounded by grieving family members, an inconsolable Aayushi, friends, and a heavy police presence.
