Such cover is common in the West and has been around for a while. In the UK, there are over two million mortgage payment protection insurance (MPPI) covers — policies that pay loan instalments if the borrower loses her job. Claims under the policies have jumped 200% on unemployment spurting to a 12-year high in Britain. This has compelled insurers to hike renewal premium on MPPI covers.

Under the newly-introduced cover, the insurer pays three EMIs of the policy holder in the event of job loss. The job loss may be as a result of closure of a division or a department due to financial limitations or action of any public authority resulting in the closure of the employer’s company. The job loss also covers the EMIs in the case of termination from employment due to illness. However, there’s a catch: the policy does not cover retrenchment due to underperformance, voluntary resignation or early retirement.

The validity of the job loss cover is five years. In other words, if a borrower wants the cover throughout the term of a 15-year loan, he will need to renew the job loss cover thrice.

“If the individual uses the job loss cover option, she can renew it only after five years. If she doesn’t use it, the premium is not refundable,” says ICICI Lombard head (customer service, health & accident) Sanjay Datta.ICICI Lombard is reviewing the possibility of increasing the three-month clause given the slowdown in the country. “We are evaluating the possibility. Since this is an in-built feature in the mediclaim product, we have to seek Irda approval before making changes to the features of the product,” Mr Datta adds.

As of now, there is no standalone job loss cover in the country. Even as job loss insurance has picked up in developed countries, it’s still testing waters in India. And even as other general insurers are mulling bundling their products with job loss covers, they aren’t confident of launching a standalone product to cover the risk of retrenchment. “The products come with low premia. Despite recessionary expectations, they haven’t seen significant demand in the market. Unless we see significant volumes, there is no incentive to roll out standalone job loss insurance covers,” an insurance broker said.

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And that lack of desire increases self-consciousness, the research added.

According to Stanford University School of Medicine study, women with hypoactive sexual desire disorder (characterised by a continual lack of sexual interest or fantasies) use more brainpower than sexually healthy women in monitoring their reactions and performance during sex.

To reach the conclusion, researchers used functional magnetic resonance imaging and tracked brain response to sexual stimuli in 16 HSDD women and 20 women who don’t suffer the condition.

In the study, volunteers were shown clips of erotic films, women’s sporting events, and relaxing nature scenes. In addition to the brain scans, the women subjectively rated their levels of arousal while an instrument objectively measured vaginal response.

Their brains lit up in very different ways, the research found.

“Many of the HSDD subjects spent their time monitoring their experience, or lack thereof,” Live Science quoted Leah Millheiser, one of the lead researchers of the study, which was published in the journal Neuroscience, as saying.

“For example, they may have been asking themselves, ‘Am I responding correctly?’, ‘Is this how I am supposed to be feeling?’, ‘Should I be experiencing more arousal than I currently am?’, instead of actually allowing themselves to integrate the information being presented to them in the erotic video,” the expert added.

Millheiser says these women may be cheating themselves out of the ability to associate positive emotional memories with sex.

In addition, the results pointed to a disconnect between both groups’ subjective ratings and the arousal measurements taken by the vaginal instrument — results that are consistent with those found in other studies.

“Women can experience little subjective arousal, but still have a genital response, meaning vaginal engorgement and lubrication. The reason behind this phenomenon is not well understood. There is a popular theory that women could have developed this response during the evolutionary process to protect the pelvic floor during forced sexual acts for procreation or childbirth,” Millheiser said.

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The electric car Lampo of Protoscar at the E’Mobile stand is seen at the 79th Geneva International Motor Show in Switzerland

The new Audi S5 Cabriolet is showcased at the 79th Geneva International Motor Show in Switzerland. More than 1,000 barnds are being displayed at the motor showprotscar

The New Rinspeed iChange is shown during the press day at the 79th Geneva International Motor Show in Switzerland.

rinspeedThe new BMW Z4 is displayed during the media day of the 79th Geneva Car Show in Switzerland. The first European automobile rendezvous of the year runs from March 5 to 15 and is expected to attract some 7 lakh visitors.

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The channel showed footage of two gunmen opening fire using Kalashnikovs. At least 12 gunmen were involved in the attack.

Five security personnel are reported dead, three more are seriously injured and have been rushed to the hospital.

The attackers – who came in a white car – lobbed two grenades at the van and the men then started firing at a police van which was providing security to the Lankan team.

The gunmen, reportedly surrounded the team van and opened fire indiscriminately. They reportedly continuously for two to three minutes.

Rocket launchers used in the attack as well.

The incident happened at Liberty Chowk in Lahore.

According to the Pakistan Cricket Board seven players have been reported injured. Five of them are seriously injured – Thilan Samaraweera, Kumar Sangakara, Ajantha Mendis, Mahela Jayawardene and Tharanga Paranavithana.

The tour has been officially cancelled.

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A Mangalorean by birth, Anushka aka Sweety, grew up in Bangalore and learnt Yoga while she was graduating in Computer Applications.Anushka taught Yoga in Bangalore and Bombay before venturing into filmdom. She believes that Yoga brings out the ability to see yourself from another person’s perspective.Anushka entered films after she met director E Nivas through her Yoga guru. It was Nivas who recommended her to Puri Jagan.She has already made her mark in Kollywood with the film, Rendu opposite Madhavan in 2006

Anushka`s favourite stars include Abhishek Bachchan, Madhuri Dixit, Kajol, Rani Mukherjee and Sushmita Sen.
Anushka makes a return to Kollywood opposite Vijay in his 49th movie, Vettaikaaran. “I’m glad that I’m back with a bang this time. My role in Vettaikaaran will be something that will show me as a capable actress as well. I play a medical student in the movie opposite Vijay,” says Anushka

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