tag:blogger.com,1999:blog-81900391404215698882024-02-20T06:49:39.476-08:00Health and InsuranceAll about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.comBlogger26125tag:blogger.com,1999:blog-8190039140421569888.post-84159972090963128672012-11-05T23:08:00.000-08:002012-11-05T23:15:39.718-08:00Diwali Party: The Healthy Way<div dir="ltr" style="text-align: left;" trbidi="on">
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The festive season is just around the corner and it is party
time everywhere. Good food, liquor and dance are the key ingredients of a
happening party. But with all the fun and frolic, most people take their health
for granted and go out and out to enjoy every bit of it including binging and
boozing. Festivals are surely a great way to enjoy but they can be even more
memorable if you are in your best of shape and health. So here are some easy
tips:<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span> <!--[if gte mso 9]><xml>
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<ul style="text-align: left;">
<li>Follow
a regular meal pattern on the day of the party. People who deliberately skip
meals to save the calories tend to overeat all the food they see at once and
add plenty to their waistline.</li>
<li>Munch
on a big bowl of raw salad in the evening prior to the party as it keeps you
full and helps to reduce the urge to binge.</li>
<li>When
at the party, take your time to get comfortable with the surrounding and
scrutinize the food choices available. Opt for non fried, steamed or roasted
starters.</li>
<li>Buffet
is an invitation to eat all that is available, but resist temptations and stick
to a few favorite food options rather than taking little servings of all 20
different dishes. Start with a liberal helping of low fat salads with curd,
lemon or vinegar dressings.</li>
<li>Choose
foods high in protein such as chicken/ fish (steamed, roasted or grilled) or
dal and rice combo for vegetarians. Avoid biryanis and creamy and rich gravies
and sauces. Go easy on full fat paneer. Opt for stewed rice rather than fried
rice, pasta in red sauce rather than the white cheesy sauce and tandoori roti
over roomali roti</li>
<li>Do
not overdo on alcohol as it is the easiest way to increase your fat stores. 1-2
drinks of red wine are a great source of antioxidant. </li>
<li>To
help digestion, have a glass of fresh lime water(less sugar) or jaljeera after
a heavy dinner.</li>
<li>Party
hard, but exercise harder.<span style="mso-spacerun: yes;"> </span>Make sure to spare
one hour of the day to burn all the additional calories and keep your BMR high
to avoid piling on that unwanted fat. Let 1 hour of brisk walk or resistance
activity do all the magic.</li>
<li>Aim
at leaving the party satisfied and not stuffed.</li>
</ul>
<div class="MsoListParagraphCxSpMiddle">
</div>
<div class="MsoNormal">
<span style="line-height: 18px;"><span style="font-size: xx-small;">By</span></span></div>
<div class="MsoNormal">
<span style="line-height: 18px;"><span style="font-size: xx-small;">Neha Chandna</span></span></div>
<div class="MsoNormal">
<span style="line-height: 18px;"><span style="font-size: xx-small;">Nutritionist</span></span></div>
<div class="MsoListParagraphCxSpLast">
<br /></div>
</div>
All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com2tag:blogger.com,1999:blog-8190039140421569888.post-43593451795096812182012-10-12T20:15:00.004-07:002012-10-12T20:15:58.010-07:00Diet- its true meaning<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="text-align: justify;">The word ‘dieting’ has gained
much importance in the past few years. Everyone around is following some or the
other diet which is famous or fad because dieting is in fashion. Very few of us
realise that the word “DIET” has a much deeper meaning than just weight loss.
Diet means attaining and maintaining health in order to carry out your day to
day activities without getting fatigue or famished. It means feeling energetic,
active, focused and happy. It means eating balanced nutritious meals in small
quantities and often to pump up your BMR and helping you burn you fat, and not
melt it. (There is nothing called as melting fat). It’s as simple as eating the
right thing at the right time in the right quantity.</span></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="text-align: justify;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
Most of the people pick up one of
the fad diets available on the net and start believing that it is the best diet
to lose weight because some of their friends/ colleagues have told them about
it. But that is absolutely incorrect because there is no authenticity to it.
Also these diets are very extreme like rice diet, soup diet, cabbage diet etc
which are not holistic and do not help you meet your daily nutrient
requirements. For example, rice is rich in carbohydrates and some B-complex
vitamins but what about your protein, good fats, calcium, iron etc. Another
vast sector of society thinks that starving or skipping meals will help them
get trimmer. This is again wrong because when you starve your BASAL METABOLIC
RATE crashes down and your body stores whatever you eat next as fat. So you
initially lose water weight but when you go back to your routine diet, you are richer
with greater fat stores than before. This is called the YO-YO effect (losing
weight and gaining back double of it in no time).</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
I had a male businessman client
who came to me with 109 kgs, with the most unacceptable eating habits and
desperate to lose weight and get healthy. In 3 months, he was down to 93 kgs
with 8 inches less on his waist. All he had to say is “Neha I am very happy, but
I had to spend double my money because of you”, I asked surprisingly,” why?” He
said,” I had to redo my entire wardrobe again”, and I laughed with joy.
Similarly, another young female client had a Polycystic ovarian syndrome at the
age of 16 and weighed 78kgs because of wrong eating habits and inactive
lifestyle. In 2.5 months she lost 9 kgs and had got rid of her PCOS problem
completely just with the right food and moderate exercise.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
So friends it is really not a
rocket science to maintain health and weight together. It is just slightly
tweaking your lifestyle for the better. What better than eating enough and achieving
your goals? </div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: x-small;">By Neha Chandna</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: x-small;">Nutritionist</span></div>
</div>
All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com0tag:blogger.com,1999:blog-8190039140421569888.post-58054714969370915902012-10-10T22:26:00.003-07:002012-10-10T22:26:25.509-07:00Time to stock some snack!!<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<div class="MsoNormal">
<span style="font-size: 12pt; line-height: 115%;">Most of the
people in India follow the 3 meal pattern and think of mid meal snacking as a
sin. But the truth is that small meals eaten every 2-3 hours can not only
increase your BMR and help you burn fat but also keep you energetic and active
for your routine chores. Benefits of mid meal snacks:</span></div>
<div class="MsoNormal" style="margin-left: .25in;">
</div>
<ul style="text-align: left;">
<li><span style="font-size: 12pt; line-height: 115%;">Helps to keep your weight under check</span></li>
<li><span style="font-size: 12pt; line-height: 115%;">Boosts energy</span></li>
<li><span style="font-size: 12pt; line-height: 115%;">Improves concentration and focus</span></li>
<li><span style="font-size: 12pt; line-height: 115%;">Provides vitamins, minerals and important nutrients</span></li>
<li><span style="font-size: 12pt; line-height: 115%;">Controls appetite</span></li>
<li><span style="font-size: 12pt; line-height: 115%;">Reduces craving for sweets and fried foods</span></li>
</ul>
<br />
<div class="MsoNormal" style="margin-left: .25in;">
<span style="font-size: 12.0pt; line-height: 115%;">Reduces hunger as the day passes by and thereby food intake,
keeping your digestive system at its best<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"> Whether at work, home or on field snacking is
a very easy task and not cumbersome as people consider it to be. Healthy mid
meal snacking does not mean making something authentic or exotic. It means
small meals which are easy to pack, carry with you and store for a longer time.
Here are a few options you can consider as snacks:<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: .25in;">
</div>
<ul style="text-align: left;">
<li><span style="font-size: 12pt; line-height: 115%;">Fruits</span></li>
<li><span style="font-size: 12pt; line-height: 115%;">Salads</span></li>
<li><span style="font-size: 12pt; line-height: 115%;">Nuts (almomds/walnuts)</span></li>
<li><span style="font-size: 12pt; line-height: 115%;">Roasted chana</span></li>
<li><span style="font-size: 12pt; line-height: 115%;">Kurmura (puffed rice)</span></li>
<li><span style="font-size: 12pt; line-height: 115%;">Roasted khakras/chivdas</span></li>
<li><span style="font-size: 12pt; line-height: 115%;">Peanut butter sandwich</span></li>
<li><span style="font-size: 12pt; line-height: 115%;">Sprout salad</span></li>
<li><span style="font-size: 12pt; line-height: 115%;">Egg whites</span></li>
<li><span style="font-size: 12pt; line-height: 115%;">Moong dal chila/ nacnhi pancakes</span></li>
<li><span style="font-size: 12pt; line-height: 115%;">Wraps/ rolls</span></li>
</ul>
<br />
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">As per you
convenience, budget and feasibility you can choose any of the above options
which do not require too much preparation, yet give you all the benefits they
are meant to.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">So enjoy
snacking and stay fit!!!<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="line-height: 18px;"><span style="font-size: x-small;">By</span></span></div>
<div class="MsoNormal">
<span style="line-height: 18px;"><span style="font-size: x-small;">Neha Chandna</span></span></div>
<div class="MsoNormal">
<span style="line-height: 18px;"><span style="font-size: x-small;">Nutritionist</span></span></div>
</div>
All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com0tag:blogger.com,1999:blog-8190039140421569888.post-1149968693510695292012-10-10T22:24:00.002-07:002012-10-10T22:24:30.513-07:00Monsoon workout<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<div class="MsoNormal">
</div>
<div class="MsoNormal">
Rains bring a sense of relief after the scorching sunny
heat. But for walk/jog lovers it can be a great disappointment when they see
heavy showers pouring down especially when they are all geared up for their
workout. The gloomy weather adds to the laziness forcing you to miss your gym
and get into your quilt. So does this mean you have to give a toss to your
workout regime? Ofcourse not. All you have to do it shift your outdoor workouts
indoor. So how can you go about it? Check it:</div>
<div class="MsoNormal">
Always do a 45 minutes – 1 hour workout:</div>
<div class="MsoNormal" style="margin-left: .25in;">
</div>
<ul style="text-align: left;">
<li>Warm up: you can start your warm
up with basic stretches of the neck, head, shoulder, arms and legs followed by 5 minutes spot jogging,</li>
<li>Cardio: after warm up you can do
15 minutes of rigorous cardio to get your heart beat up and start your fat
burning process. You can opt for skipping, stair climbing, hopping, jumping
jacks etc. You can do any 1 or choose a combination of any of the above.</li>
<li>Strength: after a good cardio
spree, you need to strengthen your muscles for toning the body and preventing
joints from injury. You can do a combination of 20 squats + 20 lunges( each
leg)+ 20 push ups. You repeat this set 2-4 times as per your capacity.</li>
<li>Abs: start with a plank position
for 30 seconds and repeat it again. Then lie down on your back and do 20
crunches + 20 reverse crunches + 20 alternate leg raises. Repeat this set 2
times.</li>
<li>Cool down: do 5 minutes of full
body stretches and relax.</li>
</ul>
<br />
<div class="MsoNormal">
This kind of regime gives an overall body workout including
all the components like strength, cardio, stretches.</div>
<div class="MsoNormal">
If you want to do a fun workout, you can just play music and
dance like no one is watching you. You can also purchase workout DVD’s
available in the market to assist you with aerobics, dance, zumba very much at
your home.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
So now the rains cannot damper your exercising spirit!!!</div>
<div class="MsoNormal">
<br /></div>
<div style="text-align: left;">
<span style="font-size: x-small;">By </span></div>
<div style="text-align: left;">
<span style="font-size: x-small;">Neha Chandna</span></div>
<address style="background-color: white; font-family: Calibri; font-size: 14px;">
Nutritionist</address>
<br />
<br />
</div>
All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com0tag:blogger.com,1999:blog-8190039140421569888.post-63730792490383431202012-10-10T22:20:00.002-07:002012-10-10T22:20:34.420-07:00Health Insurance: Investment Or Expense<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<div style="background-color: white; color: #171f26; font-family: tahoma, arial; font-size: 12px;">
<u><strong>Hello Mumbai | Business, 02 Sept 2012:</strong></u> A friend of mine once called up to say he wanted to buy 10 lacs of Health Cover for his parents. I calculated the cost to be approximately 30,000. Aware of his financial condition, I asked him if he could afford that, to which he replied ‘I might not be able to afford Rs 30,000 today but I definitely cannot afford Rs 10 lacs if there is a medical need tomorrow’.</div>
<div style="background-color: white; color: #171f26; font-family: tahoma, arial; font-size: 12px;">
<br /></div>
<div style="background-color: white; color: #171f26; font-family: tahoma, arial; font-size: 12px;">
I guess the above incident is self –explanatory as to health Insurance is an investment not an expense.</div>
<div style="background-color: white; color: #171f26; font-family: tahoma, arial; font-size: 12px;">
Buying Health Insurance, simply put, is limiting your expenditure on health care by providing proactive-a type of safeguard against the high costs of medical care. It covers those unfortunate and unpredictable moments in life to which we all are vulnerable every passing second. It is thus an investment and as such a dire need. As an investment we may not get regular returns on it, but when it provides us with better access to medical services and reduces the amount of money we must be out of our pockets for medical needs, it makes an important asset. Its need can’t be under-emphasized either, considering the tough ordeal one undertakes on being diagnosed with an illness and having the need to be hospitalized.</div>
<div style="background-color: white; color: #171f26; font-family: tahoma, arial; font-size: 12px;">
<br /></div>
<div style="background-color: white; color: #171f26; font-family: tahoma, arial; font-size: 12px;">
Heart problems, diabetes, stroke, renal failure, cancer- the list of lifestyle diseases just seem to get longer and more common these days. The costs, we all know, are sky-rocketing. Again because of high-stressed jobs, bad eating habits, more and more cars in the city, pollution etc, the younger generation has become as prone to the diseases and accidents as the older one. Those who have health insurance get more preventive care and see a doctor when needed, with those without health insurance may delay necessary medical care out of fear of the high cost. Investing in health insurance means investing in your quality of life. If you have good health now, you may feel that you will never fall sick. This mindset needs to be changed. One visit to nearby hospital may help you feel contrary. Fortunately we have many good hospitals and specialist doctors – but these services come at a cost an average man can hardly afford. Only a right Health Insurance policy can adequately finance such expenses. Yes, preventive care helps and it may prolong the need for insurance. But there is nothing better than knowing that you are fully protected.</div>
<div style="background-color: white; color: #171f26; font-family: tahoma, arial; font-size: 12px;">
<br /></div>
<div style="background-color: white; color: #171f26; font-family: tahoma, arial; font-size: 12px;">
Overall, uninsured people get about half as much care as the privately insured, as measured in terms of money spent on their care. This discrepancy holds true even when spending is adjusted for age, income, health status and other factors. In the recent past, even the financial planners are focusing on medical policies and suggesting that when one should get his health insurance first after taking the term cover and then look at other investments.</div>
<div style="background-color: white; color: #171f26; font-family: tahoma, arial; font-size: 12px;">
<br /></div>
<div style="background-color: white; color: #171f26; font-family: tahoma, arial; font-size: 12px;">
With our government eternally facing the fiscal crisis at both the central and state level, the already inadequate public health budgets are further shrinking. This coupled with rising healthcare cost in wake of the demand for its services and lack of easy access of people, especially from the low income group, to quality healthcare, increases our dependency on healthcare coverage. Thus, every individual, or the family as a whole, should invest in a quality health plan. </div>
<div style="background-color: white; color: #171f26; font-family: tahoma, arial; font-size: 12px;">
<em><br /></em></div>
<div style="background-color: white; color: #171f26; font-family: tahoma, arial; font-size: 12px;">
<em><br /></em></div>
<div style="background-color: white; color: #171f26; font-family: tahoma, arial; font-size: 12px;">
<em>Rahul Agarwal<br />Founder Director<br />rahul@idealinsurance.in</em></div>
</div>
All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com4tag:blogger.com,1999:blog-8190039140421569888.post-45699635002834464482012-07-18T21:52:00.001-07:002012-07-18T21:52:09.263-07:00Plan a Smart Kitchen Health<div dir="ltr" style="text-align: left;" trbidi="on">
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<span lang="EN-IN" style="font-size: 12.0pt; line-height: 115%;">Healthy
eating is all about changing your shopping habits before bringing a change in
your eating habits. We are well aware of the brain storming behind it, so we
thought; why not make the entire process time & money saving for you. This
is how you begin.....</span></div>
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<br /></div>
<ul style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif; text-align: left;">
<li><span lang="EN-IN" style="font-size: 12.0pt; line-height: 115%;">Set a fixed monthly budget to be spent on food items &
commodities as per the number of members in your family.</span></li>
<li><span lang="EN-IN" style="font-size: 12pt; line-height: 115%;"><span style="mso-list: Ignore;"><span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><span lang="EN-IN" style="font-size: 12.0pt; line-height: 115%;">From that budget, set apart a certain amount to be spent on
dry stuff like sugar, oil, cereals, pulses etc.</span></li>
<li><span lang="EN-IN" style="font-size: 12pt; line-height: 115%;"><span style="mso-list: Ignore;"><span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><span lang="EN-IN" style="font-size: 12.0pt; line-height: 115%;">Divide the remaining budget into 4 for each week, to purchase
all the perishable items such as fruits, veggies, dry snacks etc.</span></li>
<li><span lang="EN-IN" style="font-size: 12pt; line-height: 115%;"><span style="mso-list: Ignore;"><span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><span lang="EN-IN" style="font-size: 12.0pt; line-height: 115%;">Every week, before setting out for shopping, make a list of
all the food stuff required for that week depending on your weekly schedule for
example guests coming over or dining out etc.</span></li>
<li><span lang="EN-IN" style="font-size: 12pt; line-height: 115%;"><span style="mso-list: Ignore;"><span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><span lang="EN-IN" style="font-size: 12.0pt; line-height: 115%;">Avoid visiting a very fancy super mart, as it may tempt you
to pick up unnecessary expensive & calorie loaded stuff such as chips,
cakes, cookies etc.</span></li>
<li><span lang="EN-IN" style="font-size: 12pt; line-height: 115%;"><span style="mso-list: Ignore;"><span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><span lang="EN-IN" style="font-size: 12.0pt; line-height: 115%;">Always buy perishable food like fruits & vegetables in
amounts just enough to last for the entire week or else it would be a waste of
money for fancy garbage.</span></li>
<li><span lang="EN-IN" style="font-size: 12pt; line-height: 115%;"><span style="mso-list: Ignore;"><span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><span lang="EN-IN" style="font-size: 12.0pt; line-height: 115%;">Do not stock your kitchen with chocolates, sweets, cream
biscuits, butter cookies as it could urge you to munch on, instead buy roasted
snacks like soya nuts, granola bars etc.</span></li>
<li><span lang="EN-IN" style="font-size: 12pt; line-height: 115%;"><span style="mso-list: Ignore;"><span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><span lang="EN-IN" style="font-size: 12.0pt; line-height: 115%;">Eating leftovers is not a very healthy idea, so avoid cooking
in excess.</span></li>
<li><span lang="EN-IN" style="font-size: 12pt; line-height: 115%;"><span style="mso-list: Ignore;"><span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><span lang="EN-IN" style="font-size: 12.0pt; line-height: 115%;">Do not buy frozen, pre- made meals as they are loaded with
salt, sugar, chemicals & fat.</span></li>
<li><span lang="EN-IN" style="font-size: 12pt; line-height: 115%;"><span style="mso-list: Ignore;"><span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><span lang="EN-IN" style="font-size: 12.0pt; line-height: 115%;">Avoid taking your kids with you for shopping as you may land
up spending a major chunk of your budget on unnecessary items like candies,
sweets, chocolates etc.</span></li>
</ul>
<span style="font-size: x-small;"><i><span lang="EN-IN" style="line-height: 115%;">Written by:</span></i></span><br />
<span style="font-size: x-small;"><i><span lang="EN-IN" style="line-height: 115%;">Ms. Neha Chandna</span></i></span><br />
<span lang="EN-IN" style="font-size: 12.0pt; line-height: 115%;"><span style="font-size: x-small;"><i>Dietician </i></span></span>
</div>All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com0tag:blogger.com,1999:blog-8190039140421569888.post-85532848045496435352012-06-18T22:28:00.001-07:002012-06-18T22:30:06.898-07:00Heal Your Gut<div dir="ltr" style="text-align: left;" trbidi="on">
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<div style="font-family: Georgia,"Times New Roman",serif;">
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<div align="center" class="MsoNormal" style="font-family: Georgia,"Times New Roman",serif; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="color: red; font-size: 24pt; line-height: 115%;"></span></b></div>
<div class="MsoNormal" style="font-family: Georgia,"Times New Roman",serif; text-align: justify;">
<span style="font-size: 12pt; line-height: 115%;">People say, ‘<b>The way to a man’s heart is through his
stomach</b>’. But actually, it is not only the way to the heart but, an ultimate
route to a person’s health. Your gut (gastrointestinal tract) is a dynamic
organ and if not taken good care of, it can lead to a volley of health
problems. Imagine your body as a car, your stomach as a petrol tank of your car
and the food you eat as the petrol. If you refill your tank with low quality or
adulterated petrol, your car is bound to give you problems. So below given are
5 foods which can help keep your stomach and body healthy and fit:</span></div>
<ul style="font-family: Georgia,"Times New Roman",serif; text-align: left;">
<li><span style="color: black; font-size: 12pt; line-height: 115%;"><b><span style="color: #38761d;">Yoghurt:</span></b> It
is an excellent source of probiotics which are friendly bacteria that
strengthen your immune system, protect against disease causing bacteria and
infections and help in proper digestion and absorption of food thereby
relieving gas and bloating. Yoghurt can be relished
with fruits, in the form of raita or buttermilk. </span></li>
</ul>
</div>
<div style="color: black; text-align: left;">
<span style="font-size: 12pt; line-height: 115%;"></span></div>
<div style="color: black;">
<ul style="font-family: Georgia,"Times New Roman",serif; text-align: left;">
<li><span style="font-size: 12pt; line-height: 115%;"><b style="color: #38761d;">Oats:</b>
It is rich in soluble fiber which is fermented in the large intestine to
produce beneficial bacteria and reduce the levels of harmful ones. This helps
to resist infections and improve overall well being. The soluble fiber in oats
also helps to reduce cholesterol levels. You can add
oats to your soup, idli, dosa to add to the fiber in your diet.</span></li>
</ul>
<span style="font-size: 12pt; line-height: 115%;"></span><br />
<ul style="font-family: Georgia,"Times New Roman",serif; text-align: left;">
<li><span style="font-size: 12pt; line-height: 115%;"><span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span><span style="font-size: 12pt; line-height: 115%;"><b style="color: #38761d;">Chicken and fish</b>:</span><span style="font-size: 12pt; line-height: 115%;"> They contain very high amount of an important amino acid GLUTAMINE.
Glutamine is the preferred fuel source for cells lining the small intestine. It
prevents the absorption of harmful molecules and helps in the production of
antioxidants that protect all the organs of the body. Enjoy
them in steamed, roasted or grilled form to gain maximum health benefits.</span></li>
</ul>
<span style="font-size: 12pt; line-height: 115%;"></span><br />
<ul style="font-family: Georgia,"Times New Roman",serif; text-align: left;">
<li><span style="font-size: 12pt; line-height: 115%;"><span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span><span style="font-size: 12pt; line-height: 115%;"><b style="color: #38761d;">Whole grains</b>: </span><span style="font-size: 12pt; line-height: 115%;">Such
as whole wheat, jowar, ragi, brown rice etc have good amount of insoluble fiber
which increases your fecal bulk and reduces constipation, gas and bloating. Add wheat bran to your whole grains for additional fiber.</span><span style="font-size: 12pt; line-height: 115%;"><span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></li>
</ul>
</div>
<div style="color: black; text-align: left;">
<span style="font-size: 12pt; line-height: 115%;"><span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></div>
<div style="color: black;">
<ul style="font-family: Georgia,"Times New Roman",serif; text-align: left;">
<li><span style="font-size: 12pt; line-height: 115%;"><span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span><span style="font-size: 12pt; line-height: 115%;"><b style="color: #38761d;">Aloevera juice</b>: </span><span style="font-size: 12pt; line-height: 115%;">It is an amazing de-toxifier. It prevents heartburn and acidity, soothes
the digestive system, helps in irritable bowel syndrome, and improves digestion
and absorption of nutrients. Consume 100 ml aloevera
juice empty stomach early morning for its best effects. </span></li>
</ul>
</div>
<div style="color: black; font-family: Georgia,"Times New Roman",serif;">
<span style="font-size: x-small;"><span style="line-height: 115%;">Written by</span></span></div>
<div style="color: black; font-family: Georgia,"Times New Roman",serif;">
<span style="font-size: x-small;"><span style="line-height: 115%;">Neha Chandna</span></span></div>
<span style="font-size: 12pt; line-height: 115%;"><span style="color: red;"><span style="font-size: x-small;"><span style="color: black; font-family: Georgia,"Times New Roman",serif;">Nutritionist</span></span></span></span>
</div>All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com0tag:blogger.com,1999:blog-8190039140421569888.post-22189883579442672642012-05-25T00:29:00.000-07:002012-05-25T00:36:49.145-07:00Indian Consumer: Awareness about Health Insurance<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="font-family: Times,"Times New Roman",serif;">
</div>
<div class="MsoNormal" style="font-family: Times,"Times New Roman",serif;">
<span lang="EN-IN" style="font-size: 12pt; line-height: 115%;">Despite the projections of a high growth in the
health insurance sector, India still lags behind when it comes to awareness
about the same. The general public are by and large ignorant about the benefits
of availing healthcare insurance policies and there lies an urgent need to
educate the masses regarding the importance of Health Insurance and the
benefits derived on account of it. </span></div>
<div class="MsoNormal" style="font-family: Times,"Times New Roman",serif;">
<br /></div>
<div class="MsoNormal" style="font-family: Times,"Times New Roman",serif; line-height: normal; margin-bottom: 0.0001pt;">
<span lang="EN-IN" style="font-size: 12pt;">Health insurance sector is very
much in a formative stage still. There are health insurance products for more
than 20 years now but still the penetration level is barely 2-3 per cent of the
population. Though the general public is concerned about surging health care
costs, they don’t realize that health policies can save them monetary losses.
They often looks to purchase health insurance only when he or she needs medical
treatment or at an older age. It is advisable to purchase insurance beforehand
and preferably at a younger age as the premiums are cheaper, and customers will
have no ‘pre-existing ailment exclusions’ as they grow older. Another factor
that should encourage Indians to purchase health insurance is that they can
avail of tax benefits under Section 80D of the Income Tax Act for most health
insurance plans.</span></div>
<div class="MsoNormal" style="font-family: Times,"Times New Roman",serif; line-height: normal;">
<br /></div>
<div class="MsoNormal" style="font-family: Times,"Times New Roman",serif; line-height: normal;">
<span lang="EN-IN" style="font-size: 12pt;">There is
an irrationalfear among people that insurance is wastage of money and that they
are never going to be awarded the claim money. In this sense, the role of
intermediaries becomes vital who can assuage them comfortably. Again the
distribution channels in India are very weak. Considering that Indian market is
largely retail, consumers should be reached out not specifically for each need
but through an intermediary who will look comprehensively into their needs.</span></div>
<div class="MsoNormal" style="font-family: Times,"Times New Roman",serif; line-height: normal;">
<br /></div>
<div class="MsoNormal" style="font-family: Times,"Times New Roman",serif; line-height: normal;">
<span lang="EN-IN" style="font-size: 12pt;">In most
cases, the insured is not even aware of his rights and duties. Most insurance
purchasers do not have any clue as to what they should do if they have a
disagreement on any issue with their insurance company - whether it is a simple
thing as repeatedly asking for a change of address or receiving the policy
itself or a slightly more difficult one that involves a dispute/ difference of
opinion on the claim settlement. They need to be aware that there is an
insurance ombudsman who looks into such grievances and resolves the matter.</span></div>
<div style="font-family: Times,"Times New Roman",serif;">
</div>
<div style="font-family: Times,"Times New Roman",serif;">
<span lang="EN-IN" style="font-size: 12pt; line-height: 115%;">Against this backdrop, IRDA has taken the
responsibility to launch a multi-media, multi-level awareness campaign to
address the issues related to the above mentioned problems. The insurance
regulator is leaving no stone unturned to increase insurance awareness among
prospective and existing policyholders in India. Given that the regulatory
framework is improving and that many new players including foreign companies
are willing to come in, things might be at a take-off stage.<br style="mso-special-character: line-break;" />
<br style="mso-special-character: line-break;" />
</span></div>
</div>All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com0tag:blogger.com,1999:blog-8190039140421569888.post-34308660900162469712012-05-25T00:28:00.001-07:002012-05-25T00:38:14.807-07:00Astonishing facts about Indian Health<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<ul style="text-align: left;">
<li><span lang="EN-IN" style="font-family: Symbol; font-size: 12pt;"><span style="font: 7pt "Times New Roman";"></span></span><span lang="EN-IN" style="font-family: "Times New Roman","serif"; font-size: 12pt;">The Indian healthcare sector is expected to become
a US$ 280 billion industry by 2020 with spending on health estimated
to grow 14% annually. </span></li>
<li><span lang="EN-IN" style="font-family: Symbol; font-size: 12pt;"><span style="font: 7pt "Times New Roman";"></span></span><span lang="EN-IN" style="font-family: "Times New Roman","serif"; font-size: 12pt;">India is the diabetes capital of the world. It is
estimated that currently there are 40 million people with diabetes in India and
by 2025 this number will swell to 70 million. This would mean every fifth
diabetic in the world would be an Indian.</span></li>
<li><span lang="EN-IN" style="font-family: Symbol; font-size: 12pt;"><span style="font: 7pt "Times New Roman";"></span></span><span lang="EN-IN" style="font-family: "Times New Roman","serif"; font-size: 12pt;">A study by Ernst & Young says that India will
require another 1.75 million hospital beds by the end of 2025. The public
sector is likely to contribute only around 15-20% of the required US$ 86
billion investment.</span></li>
<li><span lang="EN-IN" style="font-family: Symbol; font-size: 12pt;"><span style="font: 7pt "Times New Roman";"></span></span><span lang="EN-IN" style="font-family: "Times New Roman","serif"; font-size: 12pt;">There is an acute shortage of supply of services in
rural areas. Not only is there non-availability of hospitals for simple
surgeries, but several parts of the country have barely one or two hospitals
with specialist services.</span></li>
<li><span lang="EN-IN" style="font-family: Symbol; font-size: 12pt;"><span style="font: 7pt "Times New Roman";"></span></span><span lang="EN-IN" style="font-family: "Times New Roman","serif"; font-size: 12pt;">The rising graph of ailments in India is directly
proportional to the rapidly changing traditional food habits, believe experts.</span></li>
<li><span lang="EN-IN" style="font-family: Symbol; font-size: 12pt;"><span style="font: 7pt "Times New Roman";"></span></span><span lang="EN-IN" style="font-family: "Times New Roman","serif"; font-size: 12pt;">In about a decade’s time, India has earned the
dubious distinction of being the capital for diabetes, hypertension and heart
ailments. And, steadily even obesity is sneaking into the Indian households.
The prevalence of coronary artery disease has reached to 14% in contrast to 11%
in 2003 and just 1% in 1960.</span></li>
<li><span lang="EN-IN" style="font-family: Symbol; font-size: 12pt;"><span style="font: 7pt "Times New Roman";"></span></span><span lang="EN-IN" style="font-family: "Times New Roman","serif"; font-size: 12pt;">According to the World Health Organisation (WHO),
mortality due to cardiovascular diseases has decreased by 60% in Japan and
Finland, 50% in the US, and 25% in Canada and Australia. But, on the other
hand, it is projected that by 2015, mortality due to cardiac ailments will
increase by 100% in India. This is mostly due to wrong diet, which is bringing
down the immunity massively.</span></li>
<li><span lang="EN-IN" style="font-family: Symbol; font-size: 12pt;"><span style="font: 7pt "Times New Roman";"></span></span><span lang="EN-IN" style="font-family: "Times New Roman","serif"; font-size: 12pt;">Over the past few years medical tourism has gained
momentum in India. An increase in the number of patients from developed
countries getting quality health services for less than half the price is
making India a popular medical tourist hub in Asia. Which in turn is pushing
the Health care costs to rise rapidly.</span></li>
</ul>
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</div>All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com0tag:blogger.com,1999:blog-8190039140421569888.post-58525907812720764652012-05-25T00:26:00.004-07:002012-05-25T00:31:03.979-07:00Health Insurance: Investment or Expense<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="font-family: Georgia,"Times New Roman",serif;">
</div>
<div class="MsoNormal" style="font-family: Georgia,"Times New Roman",serif;">
<span style="font-size: small;"><span lang="EN-IN">A friend of mine once called up to say he
wanted to buy 10 lacs of Health cover for his parents. I calculated the cost to
be approximately Rs 30,000. Aware of his financial condition, I asked him if he
could afford that, to which he replied ‘I might not be able to afford Rs 30,000
today but I DEFINITELY cannot afford Rs 10 lacs if there’s a medical need
tomorrow.”</span></span></div>
<div class="MsoNormal" style="font-family: Georgia,"Times New Roman",serif;">
<span style="font-size: small;"><br /></span></div>
<div class="ecxmsonormal" style="font-family: Georgia,"Times New Roman",serif;">
<span style="font-size: small;"><span lang="EN-IN">I guess, the above incident is
self-explanatory as to Health Insurance is an Investment not an Expense. </span></span></div>
<div class="ecxmsonormal" style="font-family: Georgia,"Times New Roman",serif;">
<span style="font-size: small;"><span lang="EN-IN">Buying Health insurance, simply put, is limiting
your expenditure on Health care by being proactive - a type of safeguard
against the high costs of medical care. It covers those unfortunate and
unpredictable moments in life to which we all are vulnerable every passing
second. It is thus an investment and as such a dire need. As an investment we
may not get regular returns on it, but when it provides us with better access
to medical services and reduces the amount of money we must pay out of our
pocket for medical needs, it makes an important asset. Its need cannot be
underemphasised either, considering the tough ordeal one undertakes on being
diagnosed with an illness and having the need to be hospitalized. </span></span></div>
<div class="ecxmsonormal" style="font-family: Georgia,"Times New Roman",serif;">
<span style="font-size: small;"><br /></span></div>
<div class="ecxmsonormal" style="font-family: Georgia,"Times New Roman",serif;">
<span style="font-size: small;"><span lang="EN-IN">Heart problems, diabetes, stroke, renal
failure, cancer – the list of lifestyle diseases just seem to get longer and
more common these days. The costs, we all know, are skyrocketing. Again because
of high stress jobs, bad eating habits, more and more cars in the city,
pollution etc. the younger generation has become as prone to the diseases and
accidents as the older one. Those who have health insurance get more preventive
care and see a doctor when needed, while those without health insurance may
delay necessary medical care out of fear of the high costs.</span></span></div>
<div class="ecxmsonormal" style="font-family: Georgia,"Times New Roman",serif;">
<span style="font-size: small;"><br /></span></div>
<div class="ecxmsonormal" style="font-family: Georgia,"Times New Roman",serif;">
<span style="font-size: small;"><span lang="EN-IN">Investing in health insurance means
investing in your quality of life. If you have good health now, you may feel
that you’ll never fall sick. This mind set needs to be changed. One visit to a
nearby hospital may help you feel contrary. Fortunately we have many good
hospitals and specialist doctors – but their service comes at a cost an average
man can hardly afford. Only a right health insurance policy can adequately
finance such expenses. Yes, preventive care helps and it may prolong the need
for insurance. But there is nothing better than knowing you are fully
protected.</span></span></div>
<div class="ecxmsonormal" style="font-family: Georgia,"Times New Roman",serif;">
<span style="font-size: small;"><br /></span></div>
<div class="ecxmsonormal" style="font-family: Georgia,"Times New Roman",serif;">
<span style="font-size: small;"><span lang="EN-IN">Overall,
uninsured people get about half as much care as the privately insured, as
measured in terms of money spent on their care. This discrepancy holds true
even when spending is adjusted for age, income, health status, and other
factors. In the recent past, even the financial planners are focusing on
medical policies and suggesting that one should get his health insurance first
after taking the term cover and then look at other investments.</span></span></div>
<br />
<span style="font-size: small;"><span lang="EN-IN" style="font-family: Georgia,"Times New Roman",serif; line-height: 115%;">With our government eternally facing the fiscal
crisis at both the central and state levels, the already inadequate public
health budgets are further shrinking. This, coupled with rising health care
costs in wake of the demand for its services and lack of easy access of people,
especially from the low income group, to quality health care, increases our
dependency on healthcare coverage. Thus, every individual, or the family as a
whole, should invest in a quality health plan.</span></span></div>All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com0tag:blogger.com,1999:blog-8190039140421569888.post-67545088379209708432012-05-25T00:25:00.004-07:002012-05-25T00:25:43.318-07:00Changing Health Insurance Scenario<div dir="ltr" style="text-align: left;" trbidi="on">
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<div class="ecxmsonormal" style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif; text-align: justify;">
<span lang="EN-IN">Today
Healthcare is one of the most progressive and the largest service sector
in India, defined by ground breaking innovations, flexible business models, new
tech-trends and high investments. HealthInsurance thus cannot be far behind,
further up bolstered by increase in public awareness, rising state-level
participation, growth of health infrastructure, expanding choices of insurance
products, etc. All these have not only increased the coverage of insurance
sector multifold but also ensured its reach to the masses residing in remote
areas.</span></div>
<div class="ecxmsonormal" style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif; text-align: justify;">
<br /></div>
<div class="ecxmsonormal" style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">
<span lang="EN-IN">Since the liberalization of the
insurance industry India has been promoting private players to enter the health
insurance sector. This was followed by another landmark decision of establishing
Third Party Administrators (TPAs) to facilitate speedier expansion by providing
an administrative– intermediary structure to the insurance industry.
Expenditures that cover outpatient treatment, including medicines for all
serving and retired CGHS beneficiaries and inpatient/diagnostic services
availed by retired beneficiaries, has thus grown between 12% and 25% per year
over the past several years. </span></div>
<div class="ecxmsonormal" style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">
<br /></div>
<div class="ecxmsonormal" style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">
<span lang="EN-IN">Social Security for medical emergencies
dates far back in the Indian community. For e.g. villagers used to collect
donation to support a household with a sick patient even earlier. Only the form
has been improvised keeping in mind the changing social patterns.</span></div>
<div class="ecxmsonormal" style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">
<br /></div>
<div class="ecxmsonormal" style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif; text-align: justify;">
<span lang="EN-IN">Use of
Internet and Mobile for service sectors including insurance is seen as a
fast-emerging trend in India. This is supported by exponential growth in the
country’s information and communications technology (ICT) sector, and
plummeting telecom costs. Gone are the days when time and hassles involved to
conclude a deal were herculean. Today everything is at the click of a mouse or
an icon. One can compare quotes from various insurers from the cosy comforts of
his home. Claim settlement is also more transparent with growing public
awareness and reduced documentation.</span></div>
<div class="ecxmsonormal" style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif; text-align: justify;">
<br /></div>
<div class="ecxmsonormal" style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif; text-align: justify;">
<span lang="EN-IN">Agents have
thus taken a backseat, allowing Brokers to cater to the varied but specific
needs of the clients. Dental and diabetes treatment, doctor consultation,
maternity benefits, etc. are also seen to be included in customised policies.
Senior citizens have finally been awarded special care and attention with
specific policies to their needs. </span></div>
<div class="ecxmsonormal" style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif; text-align: justify;">
<br /></div>
<div class="ecxmsonormal" style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif; text-align: justify;">
<span lang="EN-IN">The single
largest change in the previous year was Portability of policies from one
insurer to the other without losing the accrued benefits. This has jolted the
reluctant insurance companies and kept them on their feet lest they lose their
valued insured. Several other schemes and changes are under deliberations and
are hoped to see the light of the day soon. </span></div>
<div class="ecxmsonormal" style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif; text-align: justify;">
<br /></div>
<div class="ecxmsonormal" style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif; text-align: justify;">
<span lang="EN-IN">Realizing the
increasing need for growth of health insurance, Govt. is also escalating its
projects. For instance, the Rashtriya Swasthya Bima Yojana (RSBY) has
been extended to cover unorganised sector workers in hazardous mining
and associated industries, like slate and slate pencil, dolomite, mica and
asbestos. The Yojana has emerged as an effective instrument for providing
a basic health cover to poor and marginal workers. Presently it is being
extended to MGNREGA beneficiaries, beedi workers and others.</span></div>
<div class="ecxmsonormal" style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">
<br /></div>
<div class="ecxmsonormal" style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">
<span lang="EN-IN">However,
there are lot of challenges ahead. Global experience and economic theory show proof
of widening inequity, over utilization, adverse selection, upsurge in
inappropriate care, inadequate risk selection, etc. thus increasing overall
cost of care and insurance. Also, such highly competitive, voluntary markets
will lead to high administrative costs, unviable risk pools, undercutting and
unrealistic pricing, eventually paving the way for market instability and
bankruptcies. Despite its expanding reach, the penetration of health insurance
in India has been low. It is estimated that only about 3% to 5% of Indians are
covered under any form of health insurance. </span></div>
</div>All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com0tag:blogger.com,1999:blog-8190039140421569888.post-71490921382344549532011-11-17T03:08:00.000-08:002011-11-17T03:08:43.202-08:00Rightful Claim and Speedy Settlement<div dir="ltr" style="text-align: left;" trbidi="on"><br />
<div class="MsoPlainText">Any insurance policy is taken out with the sole motive of availing the claim when it arises. To ensure that insurance co.s do not find a way to go around this on the pretext of delayed submission of documents, the Irda has sent a circular to all insurers clarifying that they cannot deny any claims if the delay is due to unavoidable circumstances. The regulator said that the insurers' decision to reject a claim should be on sound logic and valid grounds. Rejection of claims on purely technical grounds in a mechanical fashion resulted in policyholders losing confidence in the insurance industry, giving rise to excessive litigation.</div><div class="MsoPlainText"><br />
</div><div class="MsoPlainText">At present the claim to be considered valid, has to be intimated to the insurance company in a prescribed form within 7days. After the claim is registered, the company will give a reference number that needs to be referred to in all future communications. The insurance company will then, carry out investigations, loss assessment and provisioning and make the final settlement.</div><div class="MsoPlainText"><br />
</div><div class="MsoPlainText">The circular says insurers need to develop a sound mechanism of their own to handle such claims with utmost care and caution. It does not put any penalty on the insurer for rejecting the claim. The regulator also mentioned that the insurers are advised to incorporate additional wordings in the policy documents and must not repudiate claims unless the reasons for the delay are specifically ascertained and recorded. </div><div class="MsoPlainText">The insurers should satisfy themselves that the delayed claims would have otherwise been rejected even if reported in time.</div><div class="MsoPlainText"><br />
</div><div class="MsoPlainText">To make claim settlement faster, the policyholder is to fill the claim form, which has details like basic information such as policy number, name of the insured, date, place and reason of hospitalisation or death and the name of the claimant, and submit all relevant documents such as hospitals bills, original death certificate, policy bond, police FIR, postmortem report, certificate and records from the treating doctor/hospital, etc. to the insurer as soon as possible. One should always keep a photocopy of all the bills and the filled claim form for records. Under the regulation 8 of the Irda (Policy holder's Interest) Regulations, 2002, the insurer is required to settle a claim within 30 days of receipt of all documents including clarification sought by the insurer. If the claim requires further investigation, the insurer has to complete its procedures within six months from receiving the written intimation of claim. However, some complicated third-party claims can take years for settlement. The claim amount is either sent through a cheque or remitted to the bank directly.</div></div>All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com7tag:blogger.com,1999:blog-8190039140421569888.post-84584683219282724962011-11-07T23:39:00.001-08:002011-11-07T23:39:29.703-08:00Basal Metabolic Rate<div dir="ltr" style="text-align: left;" trbidi="on"><br />
<div style="background-color: white; font-family: Arial, Verdana, sans-serif; font-size: 12px; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 5px; padding-left: 5px; padding-right: 5px; padding-top: 5px;">BMR is an estimate of how many calories you would burn if you were to do nothing but rest for 24 hours. It represent the minimum amount of energy required to keep your body functioning. Here’s the formula for calculating your BMR:<br />
<i>BMR = 655 + (9.6*weight in kg) + (1.8*height in cm) (4.7*age in years).</i><br />
So your daily calorie intake to maintain your weight should be: BMR*1.15. To lose weight, cut down on this calorie count significantly.<br />
<br />
<b>WHAT IS METABOLISM?</b><br />
Metabolism is the rate at which your body burns calories. Calories are burnt even when you’re sleeping and eating, because you need energy to keep you going. It differs for everyone. Factors such as muscle mass, genetics, overall weight, age and fat content determine how fast or slow your metabolism is.<br />
<br />
<b>HOW CAN YOU REV IT UP?</b><br />
<ul><li>Eat sensible, Eat healthy. Most people think that the thinner a person, the better her metabolic rate, and that this gives her a license to go on a junk food binge. Junk, oily and spicy food can slow down metabolism because these foods are tougher to digest and they add more to the fat content than to energy levels.</li>
<li>Exercise will hike your metabolism levels simply because your body needs to burn more calories to sustain itself during and after a workout. “People must exercise for at least 30 minutes daily,” says a dietician. “An increased metabolism also helps in faster digestion, so even an occasional heavy meal does not make you feel bloated like it normally would if you work out.”</li>
<li>Sleep like a baby. People who sleep less than seven hours a night cause their systems to slow down the next day-reflexes become sluggish and food is digested slower.</li>
<li>“People do more cardio exercises because they think only these help in weight loss,” says a gym trainer. “But lifting weights and building muscle mass also causes calorie burn and weight loss.”</li>
</ul><br />
<b>DON’T TAKE YOUR METABOLISM FOR GRANTED</b><br />
A common misconception among people is that thin people have a high metabolism. People with high metabolism aren’t necessary thin. If you have a high metabolism, it only leads to a bigger appetite and higher calorie intake. Even the fastest metabolism hardly burns a maximum of 3000 calories in a day. So a high metabolism is of no use if you are eating more than what your body is burning.<br />
<br />
<b>WHAT FACTORS INFLUENCE YOUR METABOLISM?</b><br />
There are some factors that you can control and change, and some factors that you can’t.<br />
<br />
<b>Age:</b> Metabolic rate decreases by 5% with each decade.<br />
<b>Gender:</b> Men generally burn calories more quickly than women because they have more muscle tissue.<br />
<b>Heredity:</b> You can inherit your metabolic rate.<br />
<b>Thyroid disorder:</b> Hypothyroidism and hyperthyroidism can slow down or speed up metabolism, but only 3% and 0.3% of the population have them respectively.<br />
<br />
<small>Source : Femina, oct 2011</small></div></div>All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com0tag:blogger.com,1999:blog-8190039140421569888.post-57571689781226495632011-11-07T23:38:00.001-08:002011-11-07T23:38:47.177-08:00Choosing the Right Health Plan<div dir="ltr" style="text-align: left;" trbidi="on"><br />
<div style="background-color: white; font-family: Arial, Verdana, sans-serif; font-size: 12px; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 5px; padding-left: 5px; padding-right: 5px; padding-top: 5px;">Are you caring for any dependents? Do you have any pre-existing conditions? How comprehensive do you want your plan to be? Do you need dental and vision plans? Do you have a chronic illness that requires monthly treatment? What are your month-to-month medical expenses, like prescription drugs? What could happen should you require surgery? What if you were injured in an accident? How much preventative care do you want?<br />
<br />
Given the plethora of questions and options in the health insurance space, it is difficult to make a rational choice.<b> One person who can rationally help you find the right health insurance plan is your insurance broker</b> since he would be aware of the latest health insurance products in the market and he has your best interest in mind. It is finally up to you to make an informed decision based on his suggestions.<br />
<br />
With insurance going online, getting health insurance quotes has become even simpler. No longer do you need to call up several insurance companies or fill out various different applications for getting health insurance quotes. On sites like <b>healthandinsurance.in</b>, all that you need to do is – enter in your requirements and you will be easily able to compare benefits and costs from different insurers.<br />
<br />
Selecting a health plan is a matter of balancing the <b>cost</b> of a plan with the amount of <b>coverage</b> you need, the degree of<b> choice</b> you want and the trade-offs you are willing to make. Fueled by the skyrocketing costs of health care, revolutionary changes have been taking place in the design of health plans to reduce costs while maintaining quality care. There can thus be no dispute over the need for health insurance. Some points that specially needs to be noted are -<br />
<div><b> </b></div><u><b>Cashless & reimbursement plans</b></u><br />
There are two options available. The first is the cashless policy where you don’t need to pay while getting the medical treatment done.The payments are generally done by hospitals through their tie-ups with third party administrators (TPAs). Then there are reimbursement plans where you have to pay at the time of getting the treatment done and then are supposed to apply for reimbursement from the insurance company.<br />
<br />
<u><b>Difference in premium</b></u><br />
How much health insurance will cost you depends on your age, the condition of your health, where in the country you live, your income, your job status and the like. When comparing policies, make sure you are comparing the same benefits and coverage. Also check the co-pays or coinsurance, deductibles and waiting period.<br />
The deductible is the amount you must pay out-of-pocket before any medical charges are eligible for reimbursement. Plans with the highest premiums usually have low deductibles. When you choose a plan with a higher deductible, the premiums are usually lower.<br />
Co-insurance is the percentage of covered expenses that you will pay. For example, co-insurance on office visits may be 70/30. This means the insurance company will pay 70% after the deductible, and you will pay 30%.<br />
You will have to serve a waiting period when you start a new health insurance policy or increase your level of cover. There are also waiting periods for particular diseases.<br />
<br />
<u><b>Tenure of the cover</b></u><br />
The mediclaim has to be renewed annually and within the specified time.<br />
<br />
<br />
<u><b>Size Matters</b></u><br />
You should look at the annual limit of your health insurance policy. According to experts, if you hail from a small- or mid-sized town you should look at a cover of Rs 2-3 lakh. If you reside in a metro, then you should not look at covers less than Rs 4-5 lakh.<br />
<br />
<u><b>Clause On Sub-Limits</b></u><br />
There are sub limits in mediclaim policies, the most common of them being room rents, doctors’ fees and diagnostics. If you have a sum insured of Rs 1 lakh and the insurer has capped your room rent at 1-1.5% of the sum insured then your room rent cannot exceed Rs 1,000. If it exceeds the specified amount, then you have to pay the balance from your pocket.<br />
<br />
<div><u><b>Other Clauses</b></u></div>There are mediclaim covers which do not cover pre-existing diseases for four years whereas some which do not cover it for three years. Similarly, ensure there is no ambiguity in the renewal clause of the policy. Another clause is the limit on Pre-Post i.e.expenses which include commuting to the hospital, buying medicines post hospitalisation and so on.<br />
<br />
<div><u><b>Other Information</b></u></div>Go through the list of hospitals and other facilities you would be able to use under the insurance plan. Equally important is to understand the plan’s procedures for handling claims and complaints.<br />
<br />
<div><u><b>The Ideal Choice</b></u></div>Keep in mind that there is no one-size-fits-all health insurance plan. The needs of a healthy 20something are vastly different from the needs of a family of four, which are vastly different from a baby boomer entering retirement. Right health insurance can save you from multiple expenses when it comes to paying for emergency or long term health services. Once you’ve settled on a plan, it is imperative to thoroughly understand it and follow its guidelines. And don’t forget you always have the option of claiming a tax benefit of up to Rs 15,000 under Section 80D.</div></div>All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com2tag:blogger.com,1999:blog-8190039140421569888.post-26462504254753310112011-10-02T23:57:00.000-07:002011-10-02T23:57:05.695-07:00Health Insurance Portability<div dir="ltr" style="text-align: left;" trbidi="on"><br />
<div class="MsoNormal">After mobile numbers, it is time now for the health insurance policies to turn portable. Uptil now, only motor insurance policies enjoyed this benefit in the insurance industry. With its new set of guidelines, IRDA has finally kicked <b>Health Insurance Portability</b> in from OCT 1<sup>st</sup> this year. A much talked about phenomenon but scarcely understood! As is the literal meaning, your policies can now be <b>carried/moved with ease</b> from one insurance provider to the other. The system to share and transfer data of the policyholders is at last in place, clearing the deck for regulator, companies and customers to begin the process. Dissatisfied policyholders, for long, have had no choice but to stick to their existing insurance provider for the fear of losing benefits. They can now continue enjoying the existing benefits while relocating -</div><div class="MsoNormal"></div><ul style="text-align: left;"><li>Credit for the waiting period benefits accrued with the previous insurer for the pre-existing disease.<span class="apple-converted-space"><span style="background: white; color: black; font-family: "Arial","sans-serif"; font-size: 9.0pt;"> </span></span></li>
<li>No claim bonus carried forward.</li>
<li><span style="font-size: 7.0pt;"> </span>Possibility to convert from Group mediclaim, such as the one provided by the employer, to individual health policy. A year after such migration, transfer to any other non-life insurer.</li>
</ul><br />
<div class="MsoNormal">All you have to do is apply to the new health insurer at least 45 days before the premium renewal date of the existing policy. This ensures that the new insurer has reasonable time to verify history of claims which shall be available on common database to all insurers<span class="apple-style-span"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 9.0pt;">. </span></span>Strictly adhere to this rule, for the insurer will not be liable to offer portability if the policyholder fails to do so in the prescribed time. However, you can switch your health insurance policy to another insurer only if you have held the policy for a minimum of one year. It is important for everybody to be clear as to how the system will work as there are more than 50 companies who are engaged in health - which includes life, general and specialist health insurance companies. This step will not only help policyholders by giving them a wider choice and providing the insurance providers the impetus to focus more on customer value and engagement, but will also benefit the insurance industry in the long run by bringing in more transparency and allowing them to assess the risk and provide underwriting at the point of sales.</div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><b> PROCESS :</b> On receipt of application for portability, the new health insurer shall furnish the portability form along with proposal form and other relevant product details. The policyholder has to fill in all the forms and submit the same to the new insurer. Within 7 days of receipt of the completed portability and proposal form, the new insurer, if required, can ask the existing insurer additional information about the policyholder in the prescribed format. The existing insurer is bound to provide such data within 7 days of receipt of such request. Based on the information received, the new insurer shall decide to issue health cover to the policyholder. In case, the new insurer does not communicate its decision within 15 days, then it is assumed that the application has been accepted and later on it cannot reject such application.</div><div class="MsoNormal"><br />
</div><div style="margin-bottom: 12.0pt; margin-left: 0in; margin-right: 0in; margin-top: 0in;"><span style="font-size: 11pt;"><span class="Apple-style-span" style="font-family: inherit;"><u>Where on the date of renewal of existing insurance policy, the outcome of acceptance of portability is still pending with the new insurer:</u></span></span></div><div style="margin-bottom: 12.0pt; margin-left: 0in; margin-right: 0in; margin-top: 0in;"></div><ul style="text-align: left;"><li>If requested by policyholder, the existing policy shall be allowed to be extended for a short period (at least one month) by accepting pro-rata premium for such period.</li>
<li>The existing policy shall not be cancelled until such time a confirmed policy from new insurer is received or if otherwise instructed by the policyholder.</li>
<li><span style="font-size: 7.0pt; mso-fareast-font-family: Symbol;"> </span>The date of commencement of risk of the policy issued by new issuer shall match the date of expiry of the short period in such cases, and</li>
<li>In case, for any reason, the policyholder subsequently chooses to continue the cover under existing insurer, it shall be allowed to continue by charging a regular premium and without imposing any new conditions.</li>
</ul><br />
<div class="MsoNormal"><br />
</div><div class="MsoNormal">Thus, it can be seen that ample safeguards are provided in the guidelines to ensure that the policyholder has adequate options and is not without cover at any point of time while the portability is in progress.</div><div class="MsoNormal">This move is expected to increase quality of services and encourage healthy competition among health insurance firms.</div></div>All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com1tag:blogger.com,1999:blog-8190039140421569888.post-63172434523667923672011-09-27T03:31:00.000-07:002011-09-27T03:31:50.165-07:00Avoid getting Trashed<div dir="ltr" style="text-align: left;" trbidi="on"><br />
<div class="MsoNormal"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">The most critical moment in the entire tenure of an insurance policy is when a claim is filed. “Rejection, of any kind hurts.”In an insurance claim, the blow is multitudinal – financial, emotional, physical - thus making it more stressful.</span></div><div class="MsoNormal"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><br />
</span></div><div class="MsoNormal"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">“One of the most common queries we get from people buying a policy is whether the insurance company will honour the claim,” says Rahul Agarwal, founder, Ideal Insurance Brokers (P) ltd., a reputed insurance brokerhouse across the country.</span></div><div class="MsoNormal"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><br />
</span></div><div class="MsoNormal"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">I was diagnosed with vertigo, a type of dizziness, this May. This is not all. The real trouble started after three days of hospitalisation when the TPA of my health insurer deprived me of the cashless claim facility. Though the insurance policy had promised me cashless hospitalisation, I had to pay the bill of Rs. 39,000 from my own pocket.</span></div><div class="MsoNormal"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><br />
</span></div><div class="MsoNormal"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">The TPA refused on absurd grounds like the illness could have been due to some pre-existing ailments and that they needed time to scrutinize the claim. However, when I referred to medical professionals, they told me that my illness had nothing to do with my cardiac ailment which was declared as pre-existing in my health Insurance policy.</span></div><div class="MsoNormal"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><br />
</span></div><div class="MsoNormal"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">While the denial of the cashless facility didn’t necessarily mean repudiation of the claim, it did shake my confidence in the insurance company. I, who has been paying around Rs 18,000 every year since 2009 as premium to the Health Insurance Co., felt cheated.</span></div><div class="MsoNormal"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><br />
</span></div><div class="MsoNormal"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">The figures of claims rejected/ pending as of today would definitely make any policyholder dubious about the efficiency of his insurance cover. But this is only half the picture. The no. of claims settled is no less. The stringent procedure followed to settle Insurance claims is to ensure that only genuine claims are paid. In fact, if Insurance companies show leniency and keep accepting bogus claims, it may cost customers more in the form of higher premiums. It is thus the duty of the policyholder to follow all policies and procedures given in the insurance document and not give the insurer any chance to reject his claim – health or otherwise.</span></div><div class="MsoNormal"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><br />
</span></div><div class="MsoNormal"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Here, I list some broad reasons why our insurance claims may be rejected and ways to steer clear of them – </span></div><div class="MsoNormal"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><br />
</span></div><table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 1184;"><tbody>
<tr> <td style="border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 239.4pt;" valign="top" width="319"> <div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><b><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Reason:<o:p></o:p></span></b></div></td> <td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 239.4pt;" valign="top" width="319"> <div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><b><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Solution:</span></b></div></td> </tr>
<tr> <td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 239.4pt;" valign="top" width="319"> <div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><b>NON-DISCLOSURE, </b>partial<span> </span>disclosures and wrong disclosures of significant facts such as age, nature of occupation, income, existing insurance policies, major ailments or pre-existing medical conditions.</span></div></td> <td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 239.4pt;" valign="top" width="319"> <div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><b>Full Disclosure</b>. When applying for the product, understand the consequences of concealing or giving incorrect information. </span></div></td> </tr>
<tr> <td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 239.4pt;" valign="top" width="319"> <div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><b>LACK OF KNOWLEDGE </b>regarding covers and<b> </b>exclusions under the policy. We are not even aware when breaching a condition mentioned in the policy document.<b><o:p></o:p></b></span></div></td> <td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 239.4pt;" valign="top" width="319"> <div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><b>Go through the policy terms and conditions</b> and understand them well before purchasing. When in doubt, seek clarifications from the advisor.</span></div></td> </tr>
<tr> <td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 239.4pt;" valign="top" width="319"> <div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><b>DISCREPANCY IN PROPOSAL FORM </b>because we<b> </b>often refrain from filling our forms and depend on third parties. They are often not aware of details and an imp fact might be inaccuratly represented.</span></div></td> <td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 239.4pt;" valign="top" width="319"> <div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><b>Fill up the proposal form yourself</b>. Submit genuine documents in an orderly and timely manner to the insurance company with details. If any discrepancy is found in the policy, immediately get it rectified.</span></div></td> </tr>
<tr> <td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 239.4pt;" valign="top" width="319"> <div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><b>SURPLUS EXPENSES.</b> Private hospitals, in their quest to generate maximum revenue, sometimes perform medical procedure which may not be necessary. In motor, usually bills are blown out of proportion. These irregularities, when caught by the insurer, results in rejection of the claim. </span></div></td> <td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 239.4pt;" valign="top" width="319"> <div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><b>Avoid extra costs.</b> Make sure the medical process undergone was necessary. Do not include motor repair charges of pre-existing damages or costs not covered under the policy in the claim.</span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><br />
</div></td> </tr>
</tbody></table><div class="MsoNormal"><br />
</div></div>All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com0tag:blogger.com,1999:blog-8190039140421569888.post-69965031653474729512011-09-08T05:31:00.000-07:002011-09-08T23:54:12.657-07:00Use multiple plans efficiently<div dir="ltr" style="text-align: left;" trbidi="on"><br />
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">It’s not uncommon for an individual to be covered by two, or even three, health insurance policies. One reason for this is the rise in the cost of health-care services in the past decade. Ten years ago, a Rs. 2 lakh health insurance cover was considered fairly sufficient for an entire family. Today, it will barely be enough to pay for a five-day stay in a hospital. Also, medical insurance cover from employers is not sufficient. In both circumstances, one has to buy another policy.</div><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"> But while a larger insurance cover is a good thing, multiple health insurance policies can lead to confusion when making claim. Should a person claim only from one insurer? Does he need to inform his insurer about the additional covers? Will the hospital allow two cashless claims for the same illness? Will he get the no-claim bonus if the second policy is not invoked? It’s all quite confusing for the policy holder, who might be under strain due to the illness.</div><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"> The first things to know is that it pays to inform all insurers whenever there is a hospitalization. This does not mean that one can separately claim the expenses from each of them. “You cannot profit from a medical insurance plan”, says Joydeep Roy, chief executive of L&T General Insurance Company. It’s only that by informing all the insurers, the policyholder is able to optimally utilize the cover available to him. The claim has to be paid by the insurers in the same proportion as their health cover. Say, a policy holder has two policies – one for Rs. 2 lakh and the other for Rs. 1 lakh. If he makes a claim of Rs. 1.5 lakh, the first policy will pay 2/3<sup>rd</sup> of the amount (Rs. 1 lakh) while the second policy will pay the remaining 1/3<sup>rd</sup> (Rs. 50,000).</div><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"> This sharing is subject to the terms of the policies. “There is a contribution clause in most policies. The expenses are shared by the insurers proportionately,” says Sanjay Datta, head of customer service (health and motor insurance) at ICICI Lombard General Insurance.</div><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"> You may want to know why the person would claim from the second policy. After all, isn’t his Rs. 2 lakh cover his expenses. Perhaps not, because unlike in the past, most health plans now have limits on the expenses under different heads, For instance, there is usually a cap of 1% of the sum assured on the room rent per day. So, a Rs. 2 lakh policy will only reimburse up to Rs. 2,000 a day. This means that an insurance plan may not fully cover your medical expense<span style="background-color: white;">s(</span><span style="background: none repeat scroll 0% 0% rgb(255, 255, 255);">see table*</span><span style="background-color: white;">) .</span> It is also a good reason why one should study the policy features in detail, especially the fine print on benefits, before buying one.</div><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"> Financial planners advise that whenever the need for hospitalisation arises, one should inform the third party administrators (TPAs) of all the health policies held by the person. For instance, if you have three policies (one from your employer, one from your spouse’s employer an done bought on your own), you will need to mention that you have additional cover at the time of making a claim. Claim forms require the policyholder to state if he is covered under any other medical policy or group insurance scheme. “ The policyholder can choose to claim from only one insurer. If he has another policy but the claim has been made only with us, we will process and settle the claim as per norms. Later, we can pursue with the other insurer for their share of the claim,” says Subrahmanyam B., vice president & head, health vertical, Bharti AXA General Insurance.</div><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"> However, if one of the policies has been bought recently and still in the waiting period, then the policyholder can claim only from one policy which is already in effect.</div><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"> Insurance companies require you to submit original bills and documents at the time of making claim. Since you will be claiming from more than one insurer, request the hospital to provide you with </div><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><br />
</div><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">certified duplicate copies of the treatment summary, bills and discharge slips. That’s easier said than done because hospitals are fussy about these things. If your hospital is not helpful, submit the originals to the primary insurer and attested photocopies to the others. Like we said, if all insurers are in the loop, you will not face any problem.</div><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><br />
</div><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="background: none repeat scroll 0% 0% rgb(255, 255, 255); font-size: 14pt;">*</span><span style="font-size: 14pt;">Why a Rs 1 – Lakh health plan won’t fully cover a bill of </span></div><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-size: 14pt;">Rs. 65,000</span></div><table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; mso-padding-alt: 0in 0in 0in 0in;"><tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;"> <td style="background: #4F81BD; border-right: none; border: solid #7BA0CD 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><b><span style="color: white; font-size: 10pt;">Expense Head</span></b></div></td> <td style="background: #4F81BD; border-bottom: solid #7BA0CD 1.0pt; border-left: none; border-right: none; border-top: solid #7BA0CD 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><b><span style="color: white; font-size: 10pt;">Expenses Incurred</span></b></div></td> <td style="background: #4F81BD; border-bottom: solid #7BA0CD 1.0pt; border-left: none; border-right: none; border-top: solid #7BA0CD 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><b><span style="color: white; font-size: 10pt;">Limit as % of sum assured</span></b></div></td> <td style="background: #4F81BD; border-left: none; border: solid #7BA0CD 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><b><span style="color: white; font-size: 10pt;">Claim allowed</span></b></div></td> </tr>
<tr style="mso-yfti-irow: 1;"> <td style="background: #D3DFEE; border-bottom: solid #7BA0CD 1.0pt; border-left: solid #7BA0CD 1.0pt; border-right: none; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><b><span style="font-size: 10pt;">ICU charges </span></b></div><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><b><span style="font-size: 10pt;">(Rs. 8,000 x 1 day)</span></b></div></td> <td style="background: #D3DFEE; border-bottom: solid #7BA0CD 1.0pt; border: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-size: 10pt;">Rs. 8,000</span></div></td> <td style="background: #D3DFEE; border-bottom: solid #7BA0CD 1.0pt; border: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-size: 10pt;">2% per day</span></div></td> <td style="background: #D3DFEE; border-bottom: solid #7BA0CD 1.0pt; border-left: none; border-right: solid #7BA0CD 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-size: 10pt;">Rs. 2,000</span></div></td> </tr>
<tr style="mso-yfti-irow: 2;"> <td style="border-bottom: solid #7BA0CD 1.0pt; border-left: solid #7BA0CD 1.0pt; border-right: none; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><b><span style="font-size: 10pt;">Room rent</span></b></div><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><b><span style="font-size: 10pt;">(Rs. 3,000 x 5 days)</span></b></div></td> <td style="border-bottom: solid #7BA0CD 1.0pt; border: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-size: 10pt;">Rs. 15,000</span></div></td> <td style="border-bottom: solid #7BA0CD 1.0pt; border: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-size: 10pt;">1% per day</span></div></td> <td style="border-bottom: solid #7BA0CD 1.0pt; border-left: none; border-right: solid #7BA0CD 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-size: 10pt;">Rs. 5,000</span></div></td> </tr>
<tr style="mso-yfti-irow: 3;"> <td style="background: #D3DFEE; border-bottom: solid #7BA0CD 1.0pt; border-left: solid #7BA0CD 1.0pt; border-right: none; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><b><span style="font-size: 10pt;">Doctor/surgeon/</span></b></div><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><b><span style="font-size: 10pt;">Anaesthesist fee</span></b></div></td> <td style="background: #D3DFEE; border-bottom: solid #7BA0CD 1.0pt; border: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-size: 10pt;">Rs. 20,000</span></div></td> <td style="background: #D3DFEE; border-bottom: solid #7BA0CD 1.0pt; border: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-size: 10pt;">25% per illness</span></div></td> <td style="background: #D3DFEE; border-bottom: solid #7BA0CD 1.0pt; border-left: none; border-right: solid #7BA0CD 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-size: 10pt;">Rs. 20,000</span></div></td> </tr>
<tr style="mso-yfti-irow: 4;"> <td style="border-bottom: solid #7BA0CD 1.0pt; border-left: solid #7BA0CD 1.0pt; border-right: none; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><b><span style="font-size: 10pt;">Surgery, implants, medicines, treatment and diagnostics</span></b></div></td> <td style="border-bottom: solid #7BA0CD 1.0pt; border: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-size: 10pt;">Rs. 20,000</span></div></td> <td style="border-bottom: solid #7BA0CD 1.0pt; border: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-size: 10pt;">50% per illness</span></div></td> <td style="border-bottom: solid #7BA0CD 1.0pt; border-left: none; border-right: solid #7BA0CD 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-size: 10pt;">Rs. 20,000</span></div></td> </tr>
<tr style="mso-yfti-irow: 5;"> <td style="background: #D3DFEE; border-bottom: solid #7BA0CD 1.0pt; border-left: solid #7BA0CD 1.0pt; border-right: none; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><b><span style="font-size: 10pt;">Ambulance</span></b></div></td> <td style="background: #D3DFEE; border-bottom: solid #7BA0CD 1.0pt; border: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-size: 10pt;">Rs. 2,000</span></div></td> <td style="background: #D3DFEE; border-bottom: solid #7BA0CD 1.0pt; border: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-size: 10pt;">Rs. 1,000</span></div></td> <td style="background: #D3DFEE; border-bottom: solid #7BA0CD 1.0pt; border-left: none; border-right: solid #7BA0CD 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-size: 10pt;">Rs. 1,000</span></div></td> </tr>
<tr style="mso-yfti-irow: 6; mso-yfti-lastrow: yes;"> <td style="border-bottom: solid #7BA0CD 1.0pt; border-left: solid #7BA0CD 1.0pt; border-right: none; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><b><span style="font-size: 10pt;">Total</span></b></div></td> <td style="border-bottom: solid #7BA0CD 1.0pt; border: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-size: 10pt;">Rs. 65,000</span></div></td> <td style="border-bottom: solid #7BA0CD 1.0pt; border: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><br />
</div></td> <td style="border-bottom: solid #7BA0CD 1.0pt; border-left: none; border-right: solid #7BA0CD 1.0pt; border-top: none; padding: 0in 5.4pt 0in 5.4pt; width: 119.7pt;" valign="top" width="160"><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-size: 10pt;">Rs. 48,000</span></div></td> </tr>
</tbody></table><div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><br />
</div><ul><li>In the above example, while some of the expenses were fully covered, the limits on certain heads such as ICU charges, room rent and ambulance service reduced the amount of reimbursement.</li>
<li><span style="font-size: 7pt;"> </span>If the policyholder has another health insurance plan, he may be able to get the full claim.</li>
<li><span style="font-size: 7pt;"> </span>In the case of multiple plans, insurers will bear the cost proportionately to the cover they offer.</li>
<li><span style="font-size: 7pt;"> </span>Multiple health plans enlarge your cover but also makes the claim process cumbersome. You can avoid this by getting additional cover from the same insurance company.</li>
</ul><i><span style="font-size: xx-small;">Source: Times of India</span></i> <br />
<ul></ul></div>All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com1tag:blogger.com,1999:blog-8190039140421569888.post-23687664915993893732011-08-10T02:01:00.000-07:002011-08-10T02:01:18.530-07:00Have you used your cashless card yet?<div dir="ltr" style="text-align: left;" trbidi="on"><br />
<div class="MsoPlainText"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">The concept of health insurance in India is seeing a continual improvement in the past few years. One such result is cashless medical insurance which allows the policyholder to be hospitalized without the harassment of immediate payment, especially during emergencies. You just intimate your Third Party Administrator (TPA) of your situation and avail the medical treatment. TPA verifies your policy details, on behalf of the insurer, and gives clearance for the cashless services to be processed. In case of a planned visit, you should first inform the TPA and then avail treatment under the network of hospitals. Thus the most important research here is the number of tie-ups your cashless insurance carrier has with hospitals across the country.</span></div><div class="MsoPlainText"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">Needless to say, the more hospitals your medical insurance provider has in its network, the easier it will be for you to avail its benefits.</span></div><div class="MsoPlainText"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">Though Insurance companies hype cashless settlement policies as customer-friendly and convenient, for many who have bought these policies, the experience has not lived up to the promise. Many-a-times the insured has to either pay the hospital himself and get it reimbursed later, or run from pillar to post for the 'pre-paid'</span></div><div class="MsoPlainText"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">facility, in which case the entire essence of a cashless facility vaporizes. Reasons behind it are many, the primary ones being the ignorance of the user and the hospitals overcharging patients under cashless claims.</span></div><div class="MsoPlainText"><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">It is thus worthwhile to keep the following in mind, when availing cashless -</span></div><div class="MsoPlainText"></div><ul style="text-align: left;"><li><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">For planned hospitalisation, send the pre-authorisation form to the TPA, at least a week before the surgery.</span></li>
<li><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">In case of accidents, make sure the doctor fills in fields like time of accident and evidence of alcohol abuse. A partially filled or illegible form sent to the medical team means it will be sent back to the hospital for clarification and cause more delay.</span></li>
<li><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">If you are accompanying the patient then mention your cell phone number on the pre-authorisation request to ensure that the TPA can get in touch with you immediately.</span></li>
<li><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">Carry your cashless settlement card at all times. This is of significant help in case of an emergency.</span></li>
<li><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">Find out which of the network hospitals is close to your house or place of work.</span></li>
<li><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">Be clear about which expenses and surgeries are covered by your policy.</span></li>
<li><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">Don't forget to renew your policy every year.</span></li>
</ul><br />
</div>All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com0tag:blogger.com,1999:blog-8190039140421569888.post-18646045732846874422011-08-01T06:10:00.001-07:002011-08-01T06:10:40.479-07:00Can the Insurers walk out of contracts mid-term?<div dir="ltr" style="text-align: left;" trbidi="on"><br />
<div class="MsoPlainText">According to the regulations, a policy can be cancelled only if there is a case of fraud, misrepresentation or non-disclosure of material fact from the insured.</div><div class="MsoPlainText">But, few corporate have faced the problem of cancellation in their group health in the mid-term because of high claims, which according to IRDA isn’t allowed. </div><div class="MsoPlainText"><br />
</div><div class="MsoPlainText">There were a series of complaints from group health insurance customers which lead to this move by IRDA. A circular has been issued to all the companies stating that insurance policies cannot be cancelled mid-term. </div><div class="MsoPlainText"><br />
</div><div class="MsoPlainText">Both the insurance industry and the insurance policy holders have their own stand on the decision. According to the people in industry, after giving enough notice to make alternative changes, including cancellation clause has been a regular practice internationally and historically. Plus, in the cases where cover has been provided on the basis of reinsurance, it is important to have a cancellation clause because the reinsurance companies have the similar clause.</div><div class="MsoPlainText"><br />
</div><div class="MsoPlainText">But again, there are different views as well. If we think from the side of the policy holder, he takes the policy trusting that his claims will be settled. Just to increase the top line, insurance companies should not overlook the risk involved with the client. A proper underwriting should be done before the policy is issued to the client.</div><div class="MsoPlainText"><br />
</div><div class="MsoNormal">So, what is your take on the issue? Do you think IRDA did the right thing?</div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span class="Apple-style-span" style="font-size: xx-small;">Source: Times of India</span></div></div>All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com0tag:blogger.com,1999:blog-8190039140421569888.post-76725793825297281322011-07-29T23:58:00.000-07:002011-07-29T23:58:47.830-07:00Good news for those who believe in non-allopathic treatment :)<div dir="ltr" style="text-align: left;" trbidi="on"><br />
<div class="MsoPlainText"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">As we are aware, most of the health insurance policies only cover allopathic treatment but other form of treatments like ayurveda, homeopathy, etc were not covered. And we all know that, now days people are moving to these so called ‘less harmful’ form of treatment esp when it comes to chronic ailments like spondilytis, arthritis and epilepsy but again even these treatments are not very ‘cheap’. </span></div><div class="MsoPlainText"><br />
</div><div class="MsoPlainText"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">So for the relief of those, few insurance companies have included such alternative forms of treatment under their cover, especially ayurveda. Though it has been limited to individual or govt. scheme or corporate policy from company to company but yes the first step has already been taken. And ofcourse, there are limits on the amount which can be claimed.</span></div><div class="MsoPlainText"><br />
</div><div class="MsoPlainText"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Naturopathy treatments are excluded in all policies, while few cover unani and homeopathic. This is because other forms of treatments have no standard treatment protocols and highly varied costs thus making it difficult to actuarially compute the cost to be covered. Even under ayurveda, select procedures are covered to ensure people do not misuse a policy for a basic rejuvenation procedure. </span></div><div class="MsoPlainText"><br />
</div><div class="MsoPlainText"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">It is important to note that there is no standalone cover available for covering alternative treatments. You will have to buy a standard health insurance cover from these select insurers and others who start offering the non-allopathic coverage. </span></div><div class="MsoPlainText"><br />
</div><div class="MsoPlainText"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Before you head for alternative treatment and make a claim, see whether the treatment is listed in the insurance policy document. Insurers are particular about the specific treatments covered. </span></div><div class="MsoPlainText"><br />
</div><div class="MsoPlainText"><o:p><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; font-size: xx-small;">Source: Economic times</span></o:p></div></div>All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com0tag:blogger.com,1999:blog-8190039140421569888.post-57773470668840124822011-07-19T03:05:00.000-07:002011-07-19T03:05:30.199-07:00Waiting period for Health Insurance<div class="MsoNormal"><span style="font-size: 12.0pt;">Did your claim got rejected because your disease was not covered in the first 2 years of the policy??<o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="font-size: 12.0pt;">Are you suffering from some Pre Existing Disease and want to cover the same??<o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="font-size: 12.0pt;">There are many diseases like Appendicitis, Hernia, Cataract, etc for which an individual can delay the treatment. Many people apply for a policy after discovering they are suffering from one of these diseases. So to avoid such intentional claims, the Waiting Period clause is there in All Health Insurance policies in India.<o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="font-size: 12.0pt;">So, when you sign up for a new health insurance policy, it doesn’t get implemented with immediate effect. The policy comes into effect after a ‘waiting period’, which depends on the kind of insurance and factors such as <o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoListParagraph" style="mso-list: l0 level1 lfo1; text-indent: -.25in;"><!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-size: 12.0pt;">The nature of disease<o:p></o:p></span></div><div class="MsoListParagraph" style="mso-list: l0 level1 lfo1; text-indent: -.25in;"><!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-size: 12.0pt;">Your medical history<o:p></o:p></span></div><div class="MsoListParagraph" style="mso-list: l0 level1 lfo1; text-indent: -.25in;"><!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-size: 12.0pt;">The Insurance company<o:p></o:p></span></div><div class="MsoListParagraph" style="mso-list: l0 level1 lfo1; text-indent: -.25in;"><!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-size: 12.0pt;">The Insurance Policy Chosen<o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="font-size: 12.0pt;">In other words, the insurer is liable to entertain any claim amount filed only after this waiting period. If an individual undergoes an accident or undergoes hospitalization during the waiting period, the customer may not be covered for a loss.<b style="mso-bidi-font-weight: normal;"><o:p></o:p></b></span></div><div class="MsoNormal"><span style="font-size: 12.0pt;"><span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div><div class="MsoNormal"><span style="font-size: 12.0pt;">As mentioned before, the concept of waiting period exists across different kinds of insurance policies, and the quantum of waiting period may differ depending upon the insurer and the nature of the insurance policy. However, following are the broad indicators of waiting period.<o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoListParagraph" style="mso-list: l1 level1 lfo2; text-indent: -.25in;"><!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-size: 12.0pt;">There is an initial waiting period of 30 days during which no claims is entertained (except maybe an accident case where it has to be proved the accident happened after issuance of policy)<o:p></o:p></span></div><div class="MsoListParagraph" style="mso-list: l1 level1 lfo2; text-indent: -.25in;"><!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-size: 12.0pt;">There is an initial waiting period of 1-2 years for diseases like Appendicitis, Hernia, Cataract, Gall Bladder or Kidney Stone, Piles, Tonsillitis, etc<o:p></o:p></span></div><div class="MsoListParagraph" style="mso-list: l1 level1 lfo2; text-indent: -.25in;"><!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">3)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-size: 12.0pt;">Pre -existing diseases are normally not covered till 4 years of the policy. Previously pre existing was not covered at all. However, now IRDA has made in mandatory for Insurers to cover pre existing after 4 claim free years. In fact, some insurers are also covering pre existing after 1 year like the <b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;">Varishtha Policy</i></b> of National Insurance<o:p></o:p></span></div><div class="MsoListParagraph" style="mso-list: l1 level1 lfo2; text-indent: -.25in;"><!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">4)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-size: 12.0pt;">Diabetes and Hypertension can be covered in many policies from Day 1 on payment of extra premium. Else Diabetes will fall under the Pre Existing Clause<o:p></o:p></span></div><div class="MsoListParagraph" style="mso-list: l1 level1 lfo2; text-indent: -.25in;"><!--[if !supportLists]--><span style="font-size: 12.0pt; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">5)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-size: 12.0pt;">Maternity can be covered in companies like <b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;">Apollo DKV</i></b> and <b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;">Max Bupa</i></b> after a certain waiting period too<o:p></o:p></span></div><div class="MsoNormal" style="margin-left: .25in;"><br />
</div><div class="MsoNormal"><span style="font-size: 12.0pt;">A pre-existing disease refers to any medical condition of an individual prior to the commencement of the policy. Now the policy may be effective for any other ailments in the first few years of the policy. Buy any claim filed for illness related to the pre-existing disease will not be covered in the first 1-4 years of the policy as stated in the policy document. This feature is most common in insurance policies designed for senior citizens. Also, the insurers may insist that you stick with the same insurer if you want the cover to continue without further waiting periods in future.<o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal">However, when a corporate takes a Group Policy for all its employees, they can customize the policy to remove the “waiting Period” clause and even “pre existing” disease or “maternity” can be covered from the first Day of the Policy.</div><div class="MsoNormal"><br />
</div><div class="MsoNormal">For more details, feel free to mail to our Health Insurance Help Desk at <a href="mailto:health@healthandinsurance.in">health@healthandinsurance.in</a> or call at (+91) 98 30 01 23 88</div>All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com0tag:blogger.com,1999:blog-8190039140421569888.post-6991758351080845692011-07-14T00:38:00.000-07:002011-07-14T00:38:19.774-07:00Healthy lifestyle<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif; font-size: 14px;">It may be easy to forget the importance of living a healthy life when we’re going through the daily grind. It may be even easier to get caught up in what’s convenient instead of what’s good for us. However, the benefits you can enjoy with a healthy lifestyle are worth making healthy living a priority!</span></div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;"><br />
</div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;"><b><span style="font-family: Verdana, sans-serif; font-size: 10.5pt;"><span class="Apple-style-span" style="color: #38761d;">Here are three healthy living tips that can be used along with your adequate health insurance, to better your health, increase your happiness, and enjoy life to its fullest:</span></span></b><span style="color: #274e13; font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;"><br />
</div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; text-indent: -.25in;"><span style="font-family: Verdana, sans-serif; font-size: 10.5pt;">1. <b><span class="Apple-style-span" style="color: #38761d;">Rest and rejuvenate.</span></b> The biggest healthy living tip that many people overlook is the need for sleep.</span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 7.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 13.5pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="color: black; font-family: "Verdana","sans-serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Life can get hectic. When we don't have enough time to get things done, most of us opt to stay up late to make up for the lack of time. Or perhaps our busy minds prevent us from getting a restful sleep in the first place. However, getting less sleep is actually counterproductive to doing anything efficiently, effectively, or well!</span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 7.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; text-indent: -.25in;"><br />
</div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; text-indent: -.25in;"><span style="color: black; font-family: "Verdana","sans-serif"; font-size: 10.5pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Symbol;">· </span><b><span style="font-family: Verdana, sans-serif; font-size: 10.5pt;"><span class="Apple-style-span" style="color: #38761d;">Getting enough sleep enables you to work and pursue your passions vigorously.</span></span></b><span style="color: #274e13; font-family: Verdana, sans-serif; font-size: 10.5pt;"> </span><span style="color: black; font-family: "Verdana","sans-serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">It rejuvenates your body, mind, and attitude. You should have an ergonomically correct mattress and pillow to ensure you get the best sleep possible.</span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 7.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; text-indent: -.25in;"><br />
</div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; text-indent: -.25in;"><span style="color: black; font-family: "Verdana","sans-serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">2. </span><span style="font-family: Verdana, sans-serif; font-size: 10.5pt;"><span class="Apple-style-span" style="color: #38761d;"> <b>Eat nutritious food.</b></span> Another healthy living tip is to eat a healthy, balanced diet. Many people believe that they don’t need to </span><span style="font-family: "Verdana","sans-serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">e<span style="color: black;">at nutritious food or watch their diet because they don’t need to lose weight. This couldn’t be further from the truth! You should put only the best foods in your mouth no matter how much you weigh, what size you wear, or how fit you look.</span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 7.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; text-indent: -.25in;"><br />
</div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; text-indent: -.25in;"><span style="color: black; font-family: "Verdana","sans-serif"; font-size: 10.5pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Symbol;">· </span><span class="Apple-style-span" style="color: #38761d;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: Verdana, sans-serif; font-size: 10.5pt;">What you eat affects your entire body, including your brain.</span></b><span style="font-family: Verdana, sans-serif; font-size: 10.5pt;"> </span></span><span style="color: black; font-family: "Verdana","sans-serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">By </span><a href="http://astore.amazon.com/fitnessweight-20/detail/0762730692"><span style="color: windowtext; font-family: "Verdana","sans-serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman"; text-decoration: none; text-underline: none;">eating nutritious</span><span style="color: blue; font-family: "Verdana","sans-serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><span style="color: windowtext; font-family: "Verdana","sans-serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman"; text-decoration: none; text-underline: none;">foods</span></a><span style="color: black; font-family: "Verdana","sans-serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> YOU CAN think clearer, feel happier, enjoy more energy and avoid illness and pay less medical insurance premium!!. Strive to eat more raw vegetables and fruits instead of processed or packaged foods.</span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 7.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; text-indent: -.25in;"><br />
</div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; text-indent: -.25in;"><span style="font-family: Verdana, sans-serif; font-size: 10.5pt;">3. <b><span class="Apple-style-span" style="color: #38761d;">Affirm the positive.</span></b> Having a positive mindset is the key to living a fulfilling life. Many people don’t realize the importance of living and thinking positively. As a result, they inevitably find themselves allowing negative things to rule their mind and body.</span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 7.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; text-indent: -.25in;"><br />
</div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; text-indent: -.25in;"><span style="color: black; font-family: "Verdana","sans-serif"; font-size: 10.5pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Symbol;">· </span><span class="Apple-style-span" style="color: #38761d;"><span style="font-family: Verdana, sans-serif; font-size: 10.5pt;"> </span><b style="mso-bidi-font-weight: normal;"><span style="font-family: Verdana, sans-serif; font-size: 10.5pt;">Your attitude is one of the most important contributors to both your happiness and health.</span></b></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 7.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; text-indent: -.25in;"><br />
</div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in;"><span style="color: black; font-family: "Verdana","sans-serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Like every other healthy living strategy mentioned, being positive all the time (or even most of the time) may take some effort. However, an easy way to incorporate positive thoughts into your everyday life is to use affirmations.</span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in;"><br />
</div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in;"><span style="color: black; font-family: "Verdana","sans-serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Many people use affirmations to help them think more positively as they go about their daily life. </span><a href="http://fitnessweightlosscenter.com/motivation/affirmations-to-achieve-health/"><span style="color: windowtext; font-family: "Verdana","sans-serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman"; text-decoration: none; text-underline: none;">Positive affirmations</span></a><span style="color: black; font-family: "Verdana","sans-serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> are simply statements you can use to replace the negative thoughts running through your head.</span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in;"><br />
</div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; text-indent: -.25in;"><span style="color: black; font-family: "Verdana","sans-serif"; font-size: 10.5pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Symbol;">· </span><b style="mso-bidi-font-weight: normal;"><span style="font-family: Verdana, sans-serif; font-size: 10.5pt;"><span class="Apple-style-span" style="color: #38761d;">A good affirmation encourages you to live the healthiest lifestyle possible and be the best that you can be.</span></span></b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 7.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; text-indent: -.25in;"><br />
</div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in;"><span style="color: black; font-family: "Verdana","sans-serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Positive affirmations often remind you about how important it is to take care of yourself. An example could be, <i style="mso-bidi-font-style: normal;">"I can neutralize bad habits with good food, exercise, and healthy living."</i></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in;"><br />
</div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in;"><span style="color: black; font-family: "Verdana","sans-serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">This is a simple way to be reminded of how important your body is, and how important your mental health is and hence how to keep it healthy. This is more relevant in country like India. Health insurance in India is yet to reach the mass.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in;"><span style="color: black; font-family: "Verdana","sans-serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Hence self help is the best way to protect your health. <span style="mso-spacerun: yes;"> </span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in;"><br />
</div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;"><span style="color: black; font-family: "Verdana","sans-serif"; font-size: 10.5pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">You have a whole toolbox and support system at your disposal to help make your life happier and healthier. All you have to do is take action!</span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;"><br />
</div>All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com0tag:blogger.com,1999:blog-8190039140421569888.post-51167434371777889492011-06-06T01:40:00.001-07:002011-06-06T01:40:43.940-07:00Insurance Brokers ---- for you!<div dir="ltr" style="text-align: left;" trbidi="on"><br />
<div class="MsoNormal"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Not everyone is aware of the concept of brokerage in Insurance. Well, people are not even aware of benefits of insurance, that’s why only 3% of Indians are insured. Irony is that 2% are insured either by govt. or by employer. If we want to define Insurance in one line, it will be ‘Insurance is all about transferring your risks’. Wow! In an economy where health expenditure can easily make a whole in your pockets, if given a chance why will not anyone go for health insurance or mediclaim? Sometimes…in fact most of the times, we think….this is not the right time….we are healthy enough….but think again…are you really healthy enough and there is no probability that you will fall sick? We feel that adversity will never knock on your door before arriving. </span></div><div class="MsoNormal"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Trust us…<b>BEST TIME to buy a health insurance policy IS NOW</b>! Most of the policies have waiting period of 3/4 years for pre-existing diseases and for certain other diseases; there is a waiting period involved. Think about your parents, your dependent children….giving them a healthy future is the perfect gift. </span></div><div class="MsoNormal"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">So, where brokers come in picture? Brokers are an IRDA (Insurance Regulatory Development Authority) accredited firm who deal with all the insurance companies. The basic difference between an insurance agent and a broker is: broker will represent a client to the insurance company as compared to an agent who represents an insurance company to the client. Brokers under the strict guidelines of IRDA should have sound technical employees to deal with the clients. Brokers take full responsibility for your policy documentation, renewal and claim settlement. </span></div><div class="MsoNormal"><span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><b>HEALTH INSURANCE IS OUR BIRTH RIGHT</b> and we all should avail it. Taking few minutes out of our busy schedules to invest for a healthy future is not at all a bad bargain. </span></div></div>All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com0tag:blogger.com,1999:blog-8190039140421569888.post-6525651823416539482011-05-31T22:17:00.000-07:002011-05-31T22:17:48.910-07:00Some health tips :)<div dir="ltr" style="text-align: left;" trbidi="on">I know, you all must have read lot of <b><span class="Apple-style-span" style="color: #274e13;">health tips</span></b>...and trust me its <b>necessary</b>....definitely...so some of the tips which I follow:<br />
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<div class="MsoListParagraphCxSpFirst" style="text-align: left; text-indent: -0.25in;">1.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> <span class="Apple-style-span" style="font-size: small;"> </span><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif; font-size: small;"> </span></span><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;"><b><span class="Apple-style-span" style="color: #274e13;">Green tea</span></b> is very helpful for preventing tooth decay, foot odor, diarrhea, stress, depression, heart diseases etc.<br />
2.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span>Vegetables should be sliced in <b><span class="Apple-style-span" style="color: #274e13;">bigger pieces</span></b> so that its vitamin content remains intact...can tell your cook to do that<br />
3.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span>Try and <b><span class="Apple-style-span" style="color: #274e13;">avoid excess sugar</span></b> in your drinks like tea, coffee, fresh juice etc.....doable...very easily<br />
4.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span>Mixture of lemon and honey not only helps in cough, but also lowers the cholesterol levels and keeps check on your waist line :) ....this one is the best one :P<br />
5.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span><b><span class="Apple-style-span" style="color: #274e13;">Including basils</span></b> in your diet can be very effective for preventing many diseases like hepatitis, typhoid etc<br />
6.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span>Dehydration is the worst we can do with our bodies since our bodies are made up of 70% of water, hence it’s important to <b><span class="Apple-style-span" style="color: #274e13;">drink sufficient water</span></b> in order to keep your skin and body healthy... I always keep a water bottle handy<br />
7.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span>Laughter is the best medicine as we all know, smiling on simple jokes relaxes your facial muscles.....life is too short to live....I can't afford to loose my time for stress, tension ...<br />
8.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span>Try and take out some time for workout every day. This will not only keep you fit but also bring discipline to your body.....oh yeah<br />
9.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span>The National Sleep Foundation recommends you switch to decaf--or nothing--at least six hours before bedtime to ensure your body is ready for rest<br />
10.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span>Cigarettes contain strong stimulants that can keep you jittery for hours. And while you might feel drowsy after you have a drink or two, alcohol also has a stimulating quality that can keep you up at night<br />
11.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span>Avoid escalators and lift whenever possible, take staircase instead....not when your office is on 15th floor....may be till 3rd floor take the staircase...then lift zindabad :)</span></div></div>All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com0tag:blogger.com,1999:blog-8190039140421569888.post-5925272573898783662011-05-26T22:27:00.001-07:002011-05-26T22:27:39.298-07:00Medicare Change Smooth So Far<div dir="ltr" style="text-align: left;" trbidi="on"><span class="Apple-style-span" style="color: #595959; font-family: Arial, Helvetica, sans-serif; font-size: 12px;">One of the most significant savings envisioned in the new health- care law - limiting payments to the private health plans that cover 11 million older Americans under Medicare - is, so far, bringing little of the turbulence that the insurance industry and many Republicans predicted.<br />
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The law, which sets in motion the broadest changes to the U.S. health-care system in decades, will hold down the amount of money the government gives to Medicare Advantage plans, which are available to patients who prefer a managed-care version of the program. The savings is forecast to amount to $145 billion by the end of the decade.<br />
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Whether the payment changes are warranted was a contentious subplot in the protracted debate over the legislation. Democrats argued successfully that the private plans were being overpaid and could withstand the changes. Republicans warned that such plans would raise prices, lower benefits or cause defections from the program, stranding the elderly people who rely on them. </span></div>All about Health and Insurancehttp://www.blogger.com/profile/12169824748941317494noreply@blogger.com0