Health Insurance FAQ
GWhat is Mediclaim (Health) Insurance? Mediclaim (Health) insurance is insurance coverage for medical treatments. The mediclaim insurance policy is a legal contract between the insured and...
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Reasons to buy life insurance today
As soon as you have a family of your own, you should start considering life insurance. A lot of people even do so before that. They take out life insurance so that their siblings or even parents might have some help from them if they are no longer around. As long as you have people who depend on your help financial, you should be thinking about life insurance and starting to put the pieces of a personal life insurance policy together.
Most people believe that they will live a long and healthy life, but the truth of the matter is that life is very unpredictable. The one thing that is certain about human life is that it is uncertain. And that is why you have to be prepared for the worst. A lot of people do not like to think about the worst. Life insurance often associates people with death and they do not want to think about that, much less talk about it openly and actually plan for it. But you should overcome these feelings, not for you, but for the future of the ones you love and the ones that depend on you.
Another reason that you need to consider life insurance soon is because it is not a very simple process. A lot of people think that life insurance policies are uniform and that all you have to do is pick the one that costs the less, but that is not true at all. In fact, that could not be farther from the truth. All life insurance policies are extremely individual in nature. You have to take all aspects of your life into consideration and think about the future in order to secure what’s best and most important for the people you love.
For example, if you just bought a house, your first life insurance policy could have something in it about paying off the mortgage in the case that you are no longer able to continue paying it once you are gone. But if time goes buy and you end up paying your complete mortgage off, then you can change your policy to focus on something else, for example, have it focus on the college tuition of your children.
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Fitness style
The Various Benefits of Yoga
For one to fully enjoy its benefits, genuineness, self-restraint, compassion and mental strength as well as selflessness are necessary. An individual who embraces this practice will enjoy more fulfillment in both their physical and spiritual lives. Yoga classes are also known for the emotional benefits that they offer. This is through the practice of breathe control and meditation which helps people to achieve inner peace and stability.
This practice also offers a lot of health benefits to individuals. People with back problems can attest to the fact that the pain is less. Individuals who have issues with their nerves also feel better after a class. Furthermore, the practice also helps to increase vitality in individuals as well as their energy levels. The various positions help the body to free itself from ailments. There are even some positions that can help in the prevention of certain diseases. People who take these classes will notice that their blood pressure is normal and that their blood circulation is also better.
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Health Insurance FAQ
What is Mediclaim (Health) Insurance?
Who or What is TPA in a Mediclaim policy?
What is the difference between several TPAs?
What are ‘Hospitals’ according to health insurance policies?
- At least 15 beds for patients
- Fully equipped operation theatre to conduct surgery
- Qualified doctors and
- Qualified nursing staff round the clock
What is Domiciliary Hospitalization?
Domiciliary Hospitalization means medical treatment for a period more than three days and an illness/disease/injury which in the normal course would require care and treatment at a Hospital/Nursing Home but actually taken while confined at home under any of the following circumstances, namely:- The condition of the patient is such that he/she cannot be removed to the Hospital/Nursing Home or
- The patient cannot be removed to Hospital/Nursing Home for lack of accommodation therein
What is meant by Donor Expenses?
Donor Expenses refers to all hospitalization expenses incurred by the donor for donating an organ (excluding the cost of the organ) to the insured during the course of an organ transplant.What is Family Floater plan?
Family Floater is one single policy that takes care of the hospitalization expenses of your entire family. Quite often Family floater plans are better than buying separate individual policies. Family Floater plans takes care of all the medical expenses during sudden illness, surgeries and accidents.e.g.: The Ram Family is covered under a traditional health insurance plan - Mr. Ram Rs. 2 lakh, his wife Rs. 1 lakh, their son and daughter Rs.50,000 each and they have paid premium for all these 4 policies. In an unforeseen situation wherein surgery and post hospitalization bill of their son amounts to Rs. 1.30 lakh. The existing policy will cover only Rs. 50,000, while Mr. Ram will have to bear the balance Rs. 80,000 from his pocket. With Family Health Floater Insurance plan, each member of Ram’s family is covered up to Rs. 4 lakh. Thus, Family Floater would have covered entire Rs. 1.30 lakh medical expenses of Mr. Ram's son.Why should I take Family Floater health plan if I already have health insurance from my employer?
With your personal insurance plan, you are in control of the insurance coverage. With an employers insurance, there might be limits on the coverage provide. Also, your employer will cover your medical costs as long as you are employed with that company. In the future, you may change your job, retire, or even start your own enterprise, and in these circumstances, you and your family will not be insured, and if a medical emergency arises and you have not arranged for an alternative health insurance policy. Also, purchasing an insurance when you are older and no longer employed is more difficult, as the insurance coverage becomes more restrictive as one ages. Pre-existing conditions are not covered and medical tests are mandatory at older ages, however these tests are not required to purchase medical insurance when you are younger.Can I utilize family floater plan by declaring my friends as family?
Sorry, family floater is purely for the benefit of your family. Your friends and relatives are not covered under this policy.
What will be the status of our floater cover once it is claimed?
Every time the claim is made by any of the family member covered under the policy, floater cover will reduce to the amount of claim. The original value is restored back next year when you renew the policy.
15 minute Health Checks
- * Cholesterol
- * HDL/LDL Cholesterol
- * Blood Pressure
- * Blood Sugar
- * Waist/hip Ratio
- * Weight/Height
- * BMI
- * Body fat percentage
- * Neck measurement (Sleep apnoea risk)
Health seminars And Workshops
• Cardiovascular Heart Risk Factors
• Importance of health seminars
• Healthy Heart
• Exercise in No Time
• Healthy Eating
• Importance of Breakfast
• Marketing Myths and Facts
• Weight Management
• Stress Management
• Sleeping Better
• Men’s Health
• Women’s Health
in our health seminars such as:
- Benefits of Exercise
- Importance of Nutrition to overall wellness
Executive Health Appraisal
* Discussion of 'Personal Health History'
* Discussion of any individual “Topics of interest”
* Review of pre-arranged pathology results include:
- Total cholesterol
- HDL cholesterol
- LDL cholesterol
- Triglycerides
- Blood Glucose
- Liver function tests
- Red & white blood cell count
- PSA (males > 45 years old)
* Body composition measurement include:
- Height
- Weight
- % Body fat
- Waist / Hip / Ratio
- Body Mass Index
* Flexibility and abdominal assessment
* Cardio-vascular fitness assessment (VO2 Max)
* Resting and exercise ECG
* Psychological stress inventory
* Cardiac ‘risk’ analysis
* 5 day dietary analysis by dietitian
* Written confidential report
* One-on-One follow up counseling to discuss confidential report & results
* Follow up 3,6,9 and 12 months; optional extra
Basic Benefits of Using Skin Peels
Why do people use skin peels ?
- Acne especially the early stages
- Post acne scarring which includes the scars caused after acne is removed
- Rough patches of skin
- Wrinkles and dark spots
- Sun spots and sun burns
- Hyper pigmentation
- Gaudy Freckles
- Enlarged pores on the surface
- Dark circles and patches
Acne treatment is now in great demand all over the world. Acne happens when the plugging of hair follicles result in infection and the skin is inflamed. Application of peels removes dead skin cell sand reduces the blemishes to a considerable extent.
Studies on Low Carbohydrate
Method: Randomised controlled trial using 40 participants with atherogenic dyslipidemia. Participants were randomly alocated to a carbohydrate- restricted diet (%carbohydrate:fat:protein = 12:59:28) or a low-fat diet (56:24:20); both diets consisting of 1500 kcal per day. Body mass, body composition, blood samples, oral fat tolerance test and dietary intake were assessed in all participants before and after the interventions. In addition, physical activity routines were maintained throughout the study and recorded by the participants on a daily basis.