Important Points to Consider Before Buying a Health Insurance Plan
A health insurance plan is an essential part of financial planning in this era of skyrocketing medical costs. Medical inflation has been aggravating at its full spree which makes it all the more important to buy a Health Insurance plan which could sponsor the hospitalization and medical treatment bills or expenses.
It is important to evaluate and look for the following parameters to get a best health plan for you and your family.
1. Check for the Waiting Period Clause
You must be feeling care free after taking an insurance, but your health insurance comes with a waiting period clause for specific conditions. There is an initial period clause which says that any hospitalization claim will not be admissible in first 30 days of the policy commencement apart from accidental hospitalization.The pre-existing diseases or conditions are also not covered immediately after you purchase a policy.There is a waiting period ranging from 2 years to 4 years as per the plan conditions in the industry. Also, there are certain surgeries and treatments like hernia, cataract, joint replacement, etc. which can be treated after a specific waiting period of 1 or 2 years.
So,it is important to check the waiting period clause before you finalize the health plan.
2. Check for Sublimits
There are certain capping or sublimits in your health plan which says that the specific kind of expenses are paid by the insurance company upto a specific limit and beyond that the insured or customer has to bear them at his own. For example: Room rent charges are capped on per day basis for different health plans. Some health plans also come with a mandatory co-pay where the portion of the admissible claim is to be borne by the insured and the remaining is paid by the insurance company.
Check for the sublimits in your health plan to avoid any last minute surprises at the time of claim.
3. Check for Network Hospitals
The insurance companies offering health plans have certain empaneled network hospitals with whom they have a tie up. Any hospitalization or treatment taken in the mentioned or specified network hospital list is done on the cashless basis subject to policy conditions.
Check for the list of network hospitals of insurance company and ensure you have network hospitals of the insurer near your place of residence in case of any emergency hospitalization. Also, a treatment in non-network hospital may not offer cashless treatment and some insurers have a co-pay clause if you take a treatment in non-network hospital.
4. Check for the Claim Process
Different insurance companies have different claim procedures. Some settle or administer claims through Third Party Administrators (TPA's) and some have their own in house claim settlement unit to foster quick and hassle free claim processing. Also, check the claim settlement ratio of the insurer you intend to buy a health plan from to have a clear picture on the number of claims settled by the insurer.
It is important to have a handy information on claims procedure to have a smooth and hassle free treatment in the times of hospitalization.
5. Compare & Buy Online
It is important to take a right buying decision which can be done by comparing the available health insurance plans online. You can compare the price, key features, policy benefits, value added benefits, eligibility, exclusions,etc. of multiple health insurance plans to make a right informed choice of your own without any interference of the agents. Buying online health insurance plan is a hassle free process which required least documentation and quick policy processing. There are certain online portals which will enable you to make an easy comparison and will assist you in choosing the right Health insurance plan.
Online buying of the health plan is economical as companies offer discounts on premium for buying a policy online. The reason for an insurance policy to be cost effective if bought online is because the intermediary cost of the premium component is removed. When there is no intermediary in between, Co.'s save on the commission and policy issuance cost, which the Co. transfers it to the customers.
Do evaluate your need and make a right buying decision by checking the above stated parameters.
Seven Simple Steps To Prevent Heart Diseases In Your 20s
Today's generation of teens is at increased risk of getting heart stroke and heart diseases. And it all happens because of our poor diet and routine. Ensuring our good health is in our own hands; a simple change in the regular diet and overall routine may not only prevent heart diseases in 20s, but also keeps us happy and healthy for a longer period. Take a look, how you can take your small step toward your good health.
Eat Healthy: One of the simplest mantras that keep all the heart diseases at the bay at your 20s, 30s and even 40s is your habit of eating healthy. Yes, if you eat well, you will live well. So, say no to junk today or at least limit your intake to ensure your good health.
Sweat A Little: 20 is the age when everyone should start some exercise to prevent heart diseases or early signs of aging as well. Sweating a little regularly adds some extra years to your life and helps you live a healthy life.
Say No To Smoking: Smoking is injurious to health; we all know that, but how many of us actually mean that. To prevent heart disease, you should say no to smoking. When you smoke socially, it might make you look cool in your squad, but it is harmful to your health. Therefore, you need to quit smoking as soon as possible to live a healthy life.
Don't Take So Much Stress: Stress is not the solution of any of your problems; thus, you should say no to stress, instead do your best and forget the rest.
No Synthetic Sugar: Synthetic sugar is your biggest enemy and increases your risk of getting a stroke than an average person who doesn't take it. To prevent any such situation, you should remove synthetic sugar from your diet, instead switch to natural sweet that mostly gets found in the fruits.
Consult A Dietitian: Also, you should consult a Dietitian or Nutritionist at your 20s to adopt a healthy diet plan that prevents you from a number of health issues.
Know Your Numbers: It is important to know your current health situation to improve it for the future. It gives you a boost to adopt a healthy diet.
These simple seven steps have great importance in the success of your life, as they help you win the battle against the heart diseases and you can do the rest by yourself.
Type 2 Diabetes - Maintaining Healthy Blood Sugar Control Will Help Save Nerves in the Eyes
Microscopic blood vessels are damaged due to high levels of sugar flowing through them, and this often leads to a variety of health consequences. Scientists at Ishibashi Clinic in Japan and the University of Exeter in the United Kingdom have demonstrated how keeping blood sugar readings in a healthy range helps the microscopic blood vessels and the organs they feed.
Their study reported on in the Frontiers in Endocrinology in March of 2018, included...
141 participants diagnosed with Type 2 diabetes, and
60 non-diabetic participants.
They noted the HbA1c levels over a period of 4 years. The HbA1c levels were categorized as...
good - below 53 mmol/mol, average IFCC HbA1c 47.5 mmol/mol
fair - 53 mmol/mol to 58.5 mmol/mol, average IFCC HbA1c 55.6 mmol/mol.
poor - 58.5 mmol/mol, average IFCC HbA1c 68.9 mmol/mol.
At the beginning of the study, the participants with Type 2 diabetes had significant nerve fiber damage in their eyes compared to the non-diabetic participants. Further damage was related to their average HbA1c levels...
good blood sugar control improved nerve functions, while
fair control was linked with loss of some nerve functions.
poor control damaged all nerve functions.
Nerves in the eye are...
optic nerve,
cranial nerves,
oculomotor nerve,
abducens nerve,
trochlear nerve,
ciliary ganglion,
short ciliary nerves, and
nasociliary nerve.
The nerves function in...
eye movements,
changes in pupil size to adjust to changes in light, and the
corneal reflex which causes the eyes to shut when objects are seen as becoming too close.
Maintaining low HbA1c levels is possible with some effort...
1. Plan your diet with your doctor or dietitian. The American Dietetic Association recommends a vegetarian or vegan diet.
2. Get enough physical activity. The Centers for Disease Control and Prevention (CDC) in the United States recommends...
at least 2 hours and 30 minutes of moderate-intensity physical activity each week, or
1 hour and 15 minutes a week of vigorous-intensity aerobic activity, or
some combination of the two.
Get a check-up to make sure you will be able to exercise safely before embarking on any new plan for physical activity. Some examples of moderate-intensity physical activity are...
walking - take the dog for a walk.
climbing stairs at a rate of 100 a minute.
walking downstairs or downhill.
Examples of vigorous physical activity include...
swimming laps,
running,
tennis, or
cycling 10 miles per hour or faster.
3. Measure your blood sugar levels four times a day or as directed.
4. Use your medication faithfully as directed by your doctor.
Although managing your disease can be very challenging, Type 2 diabetes is not a condition you must just live with. You can make simple changes to your daily routine and lower both your weight and your blood sugar levels. Hang in there, the longer you do it, the easier it gets.
How To Eliminate Hemorrhoids - Three Strategies To Obtain Quick Relief
Hemorrhoids occur whenever the veins found inside the rectum get agitated and inflammed. They typically develop due to a lot of straining during a bowel movement.
Piles or hemorrhoids has the potential to affect people of any age however as you get older the chance of having them rises drastically.
Experts estimate that around Fifty percent of people will experience the painfulness of hemorrhoids at some time in their lives. The best part is the majority of cases of piles usually are not extreme and could be taken care of with non prescription drugs or non-invasive medical procedures.
Understanding how to treat hemorrhoids isn't really challenging. Many of the absolute best and most successful home remedies for piles are very simple and cost effective. This article is going to show some straight-forward methods to get comfort from piles.
Ice Packs
Utilizing an ice pack to combat external piles pain and discomfort is a really simple but yet reliable way to get immediate results. It is easy to create ice-packs using ground ice out of your freezer or obtain them at the local retailer.
A cold compress ought to be put on in 10 to fifteen minute intervals. Crushed ice should be used as frequently as required during the day.
Warm Epsom Salt Bath
A Warm and comfy bath could be a life-saver anytime you are treating piles episodes. Relaxing in a warm and comfy tub of water does not just decrease tenderness, itchiness and uncomfortableness but it will also help diminish the swelling.
For it to be more beneficial, add a smidgen of epsom salt inside of the bathtub. Epsom salt has been utilized for countless years to remove aches, cramping and swelling.
When placing epsom salt in to your warm sitz bath, 1 cup full should be enough. If drawing normal bath instead of only the required amount to conceal the hemorrhoid spot add in two or more cups of epsom salt. Soak in the heated water for at least 20 minutes. As with normal sitz baths, you should try and do this a few times each day.
When you get out of the bath be certain to dry off the region all the way with a clean wash cloth. It may even help to add a touch of petroleum jelly to your hemorrhoids. This will help you decrease some of the irritation and pain.
Lots of hemorrhoids sufferers become aware of a lot less swelling and painfulness when taking warm baths for a couple of days.
Non-Prescription Pain Relievers
You can also find comfort from piles discomfort by using non-prescription pain-killers like motrin and tylenol. But, for anyone struggling with piles distress and swelling, items like ibuprofen and naproxen contain ingredients that manage these symptoms.
Over-the-counter pain medicine can be utilized to help lessen aches and pains to a normal level. Just make it a point to follow the instructions on the bottle.
If the hemorrhoids soreness and swelling is really extreme, you can take pain meds along with other hemorrhoid treatment options like utilizing ice and taking warm sitz baths. Just remember to utilize the pain-killers only when absolutely needed.
These solutions are simply several of countless remedies out there to manage hemorrhoids. When administered persistently in the midst of an episode, they may be able help you substantially to decrease any kind of pain and distress you might be suffering from. Never the less, these methods are meant to help with pain relief in an episode but they will not stop hemorrhoids from recurring.