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Future Generali India Life Insurance Company Limited is now Generali Central Life Insurance Company Limited. Generali Central Life Insurance Company Limited – A joint venture between Generali – one of the world’s leading insurers and Central Bank of India, India’s finest nationalised bank.

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How does 'herd immunity' work and can we deal with it?

read-time2 mins
views1.7K
Posted on: Mar 13, 2022

Rakesh Wadhwa:

How does the concept of herd immunity work and is that a plausible solution who adopt?

Dr. Ramanan Laxminarayan:

So herd immunity is not a strategy. Herd immunity is an inevitable consequence of a disease spreading to a population. It is not that we actively seek out herd immunity. Herd immunity simply means that you don't have to vaccinate a hundred percent of our population to protect everyone.

Hundred percent of the population will not get the disease in order to be protected. In your mind Think of a hundred people in a room. Okay. Think of a hundred people on there and they're all playing passing the parcel. They are passing the parcel someone else.

But let us say that 65 people in the room was standing where they are, are people who if you give the parcel to, they will not pass anymore because they are immune they can take the virus. They can't give it to anyone else. So imagine that you have a hundred people and 65 of them cannot pass the parcel anymore. You can understand that that passing the parcel game will come to an end pretty quickly because. The virus is going to hit these dead-ends or these immune people and won't transmit further. So herd immunity is a simple concept which basically says that the disease dies out not when everyone is infected but when some proportion like 65% and why 65% because it's a pretty exact mathematical formula for herd immunity. And across the country, ICMR said that 0.73% was impacted except for the containment areas back in early May.

So including those areas might've been about 1-1.5% today. We may already be at 5% - 6% - 7% of people who are already exposed to the virus. So I d know. I don’t want to sound casual but getting from 5-6% to 55-60% is not that far and we might get there very soon.

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Generali CentralFEATURED

Generali Central Long Term Income Plan

With this life insurance policy, get life cover & guaranteed growth with regular payouts to keep things steady.

Product UIN: 133N054V05

  • Get Guaranteed income for up to 50 years.
  • Optional riders to enhance protection
  • Maximize your returns with Tax Benefits
  • Life cover during the policy term

Generali Central

Generali Central Money Back Super Plan (POS Variant)

A plan that supports your dreams with timely payouts while keeping your family protected through every stage.

Product UIN: 133N090V03

  • Get money back at key life stages
  • Receive a lump sum at maturity
  • Stay protected throughout the policy term
  • Save on taxes while you plan your future

Generali Central

Generali Central New Assured Wealth Plan (NON-POS Variant)

A guaranteed plan that helps you build wealth with confidence while securing your future.

Product UIN: 133N085V03

  • Lump sum maturity payout for future goals
  • Life cover up to 10× your annual premium
  • Pay for 6, 8, 10 years, benefits up to 20 years
  • Tax Benefits under Section 80C & 10(10D)

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Life insurance is a financial safety net that supports your loved ones in your absence. If something happens to you, it provides them with funds to help cover everyday expenses, repay debts, and achieve future goals. It gives you peace of mind, knowing your family’s financial future is secure— no matter what.

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Start by assessing your life stage, financial goals, and the needs of your family. Consider factors like your income, outstanding loans, future expenses and goals (like children’s education, foreign travel, study abroad), and desired coverage amount. We offer a wide range of plans that cover multiple goals and budgets. To get a better idea and make a confident choice consult with a financial advisor or call us on 1800 102 2355.

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This Product is not available for online sale. Life Coverage is included in this Product. For detailed information on this plan including risk factors, exclusions, terms and conditions etc., please refer to the product brochure and consult your advisor, or, visit our website before concluding a sale. Tax benefits are as per the Income Tax Act 1961 and are subject to any amendment made thereto from time to time. If you have any request, grievance, complaint or feedback, you may reach out to us at care@generalicentral.com For further details please access the link: www.generalicentrallife.com/customer-service/grievance-redressal-procedure.

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