Tuesday, July 12, 2011

How to pay electricity bill online

Several times I have searched myself for the options to pay utility bills online. Especially Electricity/Power Bill. Electricity Bill is something everyone has to pay as it is one of the basic needs now, without which we cannot have our day to day life.

Power Saver Home- Save 25% on Your Electric Bill!


Required Information
Inorder to pay the electricity bill online, you need the following

1. Register and create a profile with username and password (keep these details safely you need this every time you pay your bill)
2. Service Number
3. Circle/Billing Unit/Division (for e.g. For Chennai city, there are multiple circles - Chennai South, Chennai North etc)
4. Credit Card/Net Banking Details while paying the bill (required each time in some cases)

Important: Please note that when you provide Service number and circle information some of the details like  registered person name and address should be pre-populated to make sure whether you got the right service number and site correctly. Also remember to take the screenshot of the bill receipt at the end of the payment so that you can have a proof of your online payment.

Here are some of the sites which allows users to pay your electricity bill online.

Chennai and TamilNadu 

Hyderabad and AndhraPradesh:

Karnataka

Bangalore: Recenty BESCOM updated its online portal covering more division/sub-divisions


If the above link not covering your division/sub-division you can continue to use the below links.
http://www.bescom.org/
www.bangaloreone.gov.in/ (for bangalore only)



Himachal Pradesh (Shimla only) : http://www.hpseb.com/mybill/

South Haryana (Bhiwani, Faridabad, Gurgaon, Hisar, Narnaul, Sirsa) 

North Haryana (Ambala, Yamunanagar, Kurukshetra, Kaithal, Karnal, Panipat, Sonepat, Rothay, Jhajjar, Panchkula and Jind) : http://124.124.217.158/epay/




Note: This links provides the procedure to enable the ECS through banks.

Madhya pradesh:



Thiruvanthapuram, Kerala: Can be payed through Akshya e-centers.counters


Electronic Payment Systems for E-Commerce

How to pay multiple utility bills?
Following are some of the websites which you can connect and pay multiple utility bills through single username and password details but may charge some additional service charges for the paying online and this may be limited to some major cities only.


Hyderabad


Online Bank Bill Payments
Last but not the least. Most of the banks allows you to pay your bills through Online banking facility (like Bill Payers etc). For this you need to explicitly subscribe to Billers(using the Essential details listed above)

Benefits:
There are few benefits if you pay the electricity/utility bill online. 
  • In some states and cities, they offer about 1% discount in the total bill amount. (e.g. BSNL payment gives 1% discount in Hyderabad, Andhra Pradesh).
  • Banks also provide reward points for the payments done through the credit card/debit card/Electronic Clearance Service(ECS) which you can claim as gift vouchers or cash back over the period of time.
  • Of all, it gives a convenience of paying bills from any place(with internet) and at any time.
  • Standard Chartered, ICICI banks are providing a rewards and cash backs for using there Internet Banking, Credit Cards

Disclaimer: The above listed websites are collected from various sources and consolidated here in this blog. Neither the owner of this blog/blog will take responsibility for the any financial loss due to mislead online transaction payments. 

Thursday, July 7, 2011

How to get online medical consultation/healthcare

Introduction to Online Medical Consultation
Have you ever tried or seen people getting second opinion on small problems like body pains, headache for which normally people use over-thecounter medicines (e.g. Paracetamol, ibuprofen etc). In-case of minor-to-major surgical procedures, I'm sure we would be cautious enough to consult multiple doctors to confirm the need for surgical procedure and to find out alternative ways to avoid surgery (that would be last option people will go for).

Medline Consultation Coat - White, Size 58 - Model MDT10WHT58E 
Just think how it would be if you can get the consultation/second opinion from specialist who sits in different geography and diagnosis your problem and recommends a different view point of your/someone problem which can be solved with a simple medication instead of surgical needs.

For e.g.
 "If someone had seen three doctors in multiple places for the pain and was told he had a clot and needed surgery, Two experts from online consultation website doctor's panel - a cardiologist and an orthopaedic surgeon, neither of whom was based in the same geography - reviewed the patient case online after his test reports, including results of his ECG , stress test, and on the orthopedics's advice, an X-ray of his shoulder, on the website. The experts examines the reports and diagnosis as : a frozen shoulder".

Just think how useful this form of online consultation will be to get the second opinion for the above example?


Online Medical Consultation:
Some of the below sites which offer Medical consultation/provides some medical help:
http://www.mediangels.com/
http://www.healthcaremagic.com/
http://www.webhealthcentre.com/
http://www.webmd.com/
http://wacky5.com/
some sites also allows the user to register and store the medical profile in their sites (Storing the medical profile online is not recommended). Web MD (http://www.webmd.com/) is one website which I am aware of that helps you identify the problem based on your symptoms. Help you to get aware of the medicine such as what it is used for, various foms its available (liquid, tablets, etc), dosage, and side-effects.

How online medical consultation works?
Patient has to submit the query/detailed medical problem. These website will then assign the query to corresponding doctor (general or specialized based on the description of the problem). Doctor may provide the answers if they are simple or may request for more information(

How much it would cost to get online medical consultation/second opinion??
General queries: Rs.250 or $10 based on the doctors geographical presence
Detailed consultation: Rs. 500 or $100 where it would required detailed study of your medical reports
Doctors will also be available to give you second opinion on the medical consultation for which it would cost  Rs.150-500 (approx) based on the problem.


Closing comments: Online medical consultation is at very preliminary stage in India compared to US/UK. Most of the above listed websites have more number of registered users outside India only. With highly specialized doctors with good track record would be of great help through this online consultations, but without physical examination with doctor, the online consultation may not be helpful in some cases. At this stage, I would say we can take the second opinion from this online medical consultation websites and to get some answers to general medical related queries but not for the full fledged healthcare services.

Disclaimer: Online medical consultation is not to substitute for any existing form of healthcare delivery such as physical visits to doctors, examinations or hospitals and the above websites have elaborate disclaimers on this too. 

Important Note: This article does not recommend any specific online medical consultation/healthcare sites. Main purpose of this article is to give insight on the online medical consultation as an option and to provide some information around online medical consultation from different online or print media.

Friday, July 1, 2011

e-Challan: How to pay your traffic e-challan and how to search Lost Vehicle?

Do you want to check whether you/someone have done any traffic violations.?
You can check that using the below link by providing your vehicle registration number without spaces.


Hyderabad, Andhra Pradesh, India.
http://59.90.212.185:8080/publicview/


Vijayawada, Andhra Pradesh, India.
http://59.90.186.136:7171/publicview/


Bangalore, Karnataka, India
http://125.17.140.50/bpsfinedetails/bpsfinedetails.aspx


Delhi
There is no e-Challan system for Delhi. People will get the challan by post to the address.(address according to the Vehicle Registration number). Challan can be payed by Cash or Cheque/ DD. You can pay the fine at any of the following 7 places:

  • Teen Murthy Traffic lines, Mother Teresa crescent
  • RK Puram Police Station, Sector 12
  • Office of DCP Traffic northern region, Court Road
  • Shakarpur Police Station
  • Keshav Puram Police Station
  • Traffic training park
  • Office of DCP Traffic Southern region, Sadiq nagar
You can get more details from their website:  www.delhitrafficpolice.nic.in

Beat the Cops: The Guide to Fighting Your Traffic Ticket and Winning


These links takes you to the E-Challan System. Enter your vehicle registration number you will get the list of violations and e-Challan payment amount.


How to pay your challan/e-challan?
Most of the times, you need to enter the challan/notice number along with the registration number.
You will find the links to online payment options (like esevaonline, aponline, bangalore one portals to pay your e-Challan).


How to Fight Your Traffic Ticket and Win!: 206 Tips Tricks and Techniques


What happens if you don't pay the e-challan?
Traffic Clearance Certificate for RTA transactions like Duplicate RC, Sale ' purchase ' transfer, other state NOC, will not be issued henceforth to the violators. The vehicle may be seized and Court proceedings may be initiated. In extreme cases, the criminal case of cheating may be registered apart from steps to cancel the Driving Licence of the vehicle owner or even getting the RC of the vehicle suspended.

You can also search for the lost vehicle online
Hyderabad :  http://apps.appolice.gov.in/ips/HyderabadSearchForms/InvSearchVehicleNew.aspx?ID=14
Madhya Pradesh: http://www.mppolice.gov.in/static/vehicle_enquiry.aspx
Delhi: http://delhipolice.nic.in/home/searchengine_stolen.htm


You can also retrieve details of the vehicle online by entering vehicle registration number




"Safe Driving... Follow Traffic Rules....."

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