The Basics Of Health Insurance

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Image: Shutterstock

A health policy has become more important now than ever, owing to our drastic lifestyle changes. 30 is the new 60 when it comes to health. Considering this paradigm shift, it is important to have a cushion. A medical insurance bought in good time serves as the perfect back up. When purchased early, it comes at a lower premium, lesser waiting time, and a host of other benefits.

When you go to buy a Health Insurance plan, medical insurance, or mediclaim, the terms the agents use can be incredibly intimidating. So why wait for that discussion with friends and family? This guide will help you through those conversations and heavy matter that you need to read through as you finalize your insurance policy.

To begin with, health insurance, medical insurance, and mediclaim are all the same thing. It is nothing but an insurance plan that protects you financially against medical emergencies. Depending on the plans you buy, the insurance can cover hospitalization as well as pre and/or post hospitalization expenses.

An Insight Into The Indian Scenario

The IRDA or Insurance Regulatory and Development Authority is the sole regulator of the insurance sector in India (1). If you are looking to buy medical insurance, you will have to pay a premium on the policy. In the event you incur hospitalization expenses, you could make a claim to the health insurance companies.

A few standard policies cover everything right from the ambulance charges to those incurred in the operation theater. But then, there are also other special policies that are more accurate for your family’s needs. The family medical insurance policy is usually a floater health plan that covers all the family members under a single policy. While this policy entails fund flexibility, it is possible that one member alone could exhaust the cover, leaving no amount for the others. So you must weigh your options before you invest.

Now that you know the basics of a medical policy, it’s time for you to get acquainted with some commonly used terms.

A Peek Into The Insurance Lingo

Here is a list of a few words that are commonly used in insurance parlance. This will help you understand what you are getting into.

1. Reimbursement Claims

Under these claims, you pay up the hospitalization expenses upfront. Eventually, you need to submit relevant proof like bills, doctor’s certificates, etc. and claim the amount from the insurance company.

2. Cashless Claims

These claims will allow you to avail treatment at a list of approved hospitals (by the insurance company) without having to pay any money to the hospital. In these instances, the insurance company settles the amount with the hospital. If you have picked such a policy, you will be given a health card that you need to show at the hospital.

3. Third Party Administrator (TPA)

A TPA is hired by an insurance company to process all claims.

4. Sub-limit

This limit usually refers to the maximum limit on a certain amount that can be claimed for that particular ailment. The sub-limit depends on the policy you buy – you can choose to either raise these limits or waive them off entirely.

5. Exclusions

The diseases that are not covered under the health insurance plan are called exclusions. Cosmetic surgery is usually excluded from health insurance.

6. Deductible

A deductible is usually the amount of loss borne by the policyholder. When the deductible is high, you pay lesser premium.

Always remember, a health insurance policy is an investment. It will minimize your financial burden when you are struck with medical emergencies. Do not forget to make an informed decision, though. We are sure this article will help you with the technicalities.

The Alkaline Foods You Need To Nourish Your Skin All Winter

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Each time we eat an acid-forming food, our body needs to bring our blood pH levels back to a state of equilibrium, and it does this by releasing alkaline-rich minerals such as calcium, phosphorus, and magnesium into our bloodstream.

The trouble is that if we aren’t eating enough alkaline-forming foods to make this process happen naturally, then the body needs to locate and use those minerals from elsewhere in the body. So it looks to our bones, teeth, and organs and finds and utilizes the minerals found there, which may result in a compromised immune system and decrease in energy levels.

Eating an alkaline diet will help keep your body and pH levels in balance. In your body, blood pH levels need to maintain a slightly alkaline level in order to keep you strong and healthy. You can maintain this balance by eating more alkaline-forming foods such as fruits, veggies, nuts, and herbs.

As a general rule, stick to these tips and you’ll be on your way to alkalinity!

Keep hydrated.

Sipping warm water throughout the day with a squeeze of lemon will alkalize the body and warm you up in the process. Once in the body lemon becomes alkaline, so drop a slice into your water for a wonderful pick-me-up drink that’ll keep you hydrated and help detoxify your liver. Try and choose filtered water if possible!

Eat the orange spectrum.

Brightly colored orange foods such as apricots, carrots, winter squash and pumpkin are all great to dive into this winter. Flavonoids, the natural pigments that give plants their color, have antioxidant, alkalizing, and cell-protecting, properties. All root vegetables will provide some alkalizing benefits, yet carrots offer a special punch all on their own. Try using them in your next green juice, raw in dishes of all kinds, or even roast them in the oven slightly to add a caramelized flavor. Sweet potatoes also provide similar benefits.

Load up on garlic.

Garlic is a moderately alkalizing immunity-boosting superstar that’s available all year round. One clove of garlic contains more than 100 sulfuric compounds that are powerful enough to wipe out bacteria and infection. Adding garlic to your meals or drinking garlic tea will provide you with an injection of empowering and immune-boosting ammunition this winter season.

Try turmeric.

Turmeric, a pungent spice, which is highly alkalizing to the body, contains curcumin, a compound that increases the level of immunity-boosting proteins in our bodies. These proteins help fight bacteria and viruses when they try to attack. Turmeric is also a natural anti-inflammatory and painkiller, an added benefit if you’re actively fighting a flu virus.

Sip soups.

Use vegetables instead of adding stock cubes or prepared casserole mixes, which are usually full of unnecessary additives and excess oils. Soups are a wonderful winter version of salads, and you can get really creative once you have made a base of celery, onions, garlic and peppers with some stock; then you can throw in whatever alkalizing vegetables you have on hand and make new variations as you like!

Credits: http://www.mindbodygreen.com/0-27161/the-alkaline-foods-you-need-to-nourish-your-skin-all-winter.html

7 Reasons Why Investing In A Health Insurance Before You Turn 30 Is A Good Idea!

7 Reasons Why Investing In A Health Insurance Before You Turn 30 Is A Good Idea!

Image: iStock

A visit to the hospital brings with it endless hours of waiting, stress, and big bills. This is why investing in health insurance has become more of a need than a want. It is important more than ever now because the cost of medicines and treatments are increasing drastically. Also, there is a spike in lifestyle diseases across the world. In such conditions, you never know when a medical emergency might knock at your door, impacting you mentally, emotionally, and financially. Experts in the field recommend the purchase of a health plan while you are still young. Here is why a good health insurance plan can serve as your lifeline.

1. You Get the Best Bet If You Are an Early Bird

Typically, a plan that offers a 5-lakh coverage would cost you around Rs.5000 if you buy it when you are 25. As you get older, the price only increases. You will pay Rs.6000 at 35, and Rs.8000 at 45. To sum it up, the earlier you begin investing in a health plan, the lower the premium you have to pay.

2. The Employee Coverage Is Never Enough

There is no denying that there is a major increase in health care costs. Just a week’s hospitalization for a regular problem will cost way more than the coverage your company offers. God forbid, if something major does happen in the course of your life, you should rather be safe than sorry. It is best to plan for your future now, keeping in mind the contingencies that age brings with it.

3. Lifestyle Illnesses Can Strike Anytime

Gone are the days when you had to worry about your health only after you turned 60. Sedentary lifestyles have led to an increase in non-communicable diseases like heart ailments, diabetes, and even cancer. These diseases are claiming young lives. It has become extremely essential to stay ready for these problems, and getting your health insured is the first step. The reason being the good policies offer yearly health checkups that instill awareness. They also offer preventive measures and vaccines that help you manage your health better.

4. Early Investment in a Health Insurance Plan Amounts To Better Financial Planning

Buying a health insurance early is not only cheap but is also a financially sound decision. Accidents happen unannounced. A medical cover of a substantial amount will prepare you for emergencies, allowing you to plan your investments better. You will also save tax on the premium you pay.

5. Young Buyers Get a Blanket Deal

When you invest in a health insurance while you are still young and free of a pre-existing disease, you will be covered before time. Also, conditions diagnosed later will automatically be included.

6. The Waiting Period Will Be Over

When you buy a health plan, you usually have to serve waiting periods for big claims like special treatments, surgeries, coverage on pre-existing illness, etc. If you invest now, when you do not buy it immediately, you will have served all the requisite waiting periods, and can claim whenever required without conditions.

Another notable fact is that with time, you can earn loyalty bonuses. Continuing with the same policy year after year offers loyalty or no-claim bonus that is extremely beneficial.

7. More Than Just Hospitalization Is Covered

The newer plans also cover day-care and OPD consultations. Some policies also have maternity benefits, which might be relevant while you are in this stage of life. Your baby can be covered from birth without an additional premium.

It all depends on the level of coverage you opt for – it helps you pay for day-care procedures and ambulance. Certain policies even cover dental, chiropractic, optical, physiotherapy, and dietary advice. With health insurance, you can even customize the plan and gain an umbrella cover for your family too. What are you waiting for? Get your health insured today!

The Official HealthBeckon Comfy Mat Review

I was elated. I felt fresh and all charged up in the morning when I woke up. Now, what’s the big deal, everyone has a sound sleep, right? No, at least, I wasn’t having. I would turn and toss for a long time before I could fall asleep. And then it was quite a disturbed sleep.

Even when suffering from discomfort, I never realized that the problem was not with my body but with something on which I was resting. I couldn’t believe that a mattress could make so much difference that it was actually ruining my routine.
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Coming back to where I began. How did the situation change for me? What makes me feel so elated now?

The answer is ComfyMat mattress! And why wouldn’t I share my happiness with you all?

ComfyMat mattress comes with a good blend of memory and high resilience (HR) foams, giving it the right ratio of comfort and firmness. In simple words, it is neither too hard nor soft. It is firm enough to support the body and smooth enough to take its shape. The mattress is simply well-designed to sink in with your body structure.

Let us go a bit deeper into the technical details of the product. The mattress comes with a three-layered foam.

The 2-inch top layer is made of the best-graded third generation memory foam. The foam was developed leveraging NASA technology that kept astronauts comfortable on board. The gel-based foam does not retain the heat transferred from your body. Thus, the mattress keeps you cool all night, without trapping your body heat!

The foam also has a minimum spring back time. What does this mean? Unlike any other mattress, ComfyMat gains its original shape soon after you are out of the bed. It is almost like you did not sleep on it all! Even if you sleep towards the end of the bed, no slip or slide down occurs.

The second layer is made of HR foam, while the third layer is made up of bonded foam. The HR foam ensures optimal support, ventilation, and elasticity. The mattress gets stability because of the bonded bottom foam. All these features certainly make ComfyMat the best among the available mattresses.

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I am not yet done! Here are many more reasons, which made me opt for ComfyMat!

  • It is designed to create a hygienic sleep environment, as it is infused with aloe-vera gel.
  • It was big enough to accommodate me and my husband. When I slept on it, I felt like sleeping on a gentle and softer abode.
  • The best part is that the mattress comes in with an exciting deal! Try the mattress for 100 nights and return if you are not happy!
  • You will get your money back if returned within 100 days of purchase. Nothing can be more interesting than this! Irresistible deal isn’t it!

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Its price is Rs. 19,999 on Amazon, India. I initially felt it was expensive for a mattress, but now I have no complaints at all! And I wouldn’t return it for anything, as what can be more precious than my sleep?

By the way, it has no shipping charges, since the product is shipped straight by the manufacturer to all the major cities in India.

The product comes with a ten-year warranty. It is the average life-span of the memory foam.

If you are longing for a sound sleep just like me, go for ComfyMat! Sleep like a baby and put your worries to rest!

5 Statement Pieces Every Kitchen Must Have

In our grandmom’s times, the kitchens were located in the house courtyards. However, we moved towards urbanization, and finding open spaces became a challenge, forcing planners and city developers to build housing units that were compact yet comfortable. Though kitchens moved indoors, the culinary workstation continued to occupy a significant place in the pads.

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Today they have gone on to become modular, open and swish. It is a trend nowadays to do up the kitchen with modern appliances. They not only make cooking simple but also look elegant on the slab. So here are top 5 statement pieces your kitchen must have.

Food Processor

Whether you want to whip up a cake, make dough for the “chapattis” or cut vegetables for a healthy plate of salad, food processor is an essential appliance. The equipment comes with a variety of blades and attachments that make the tedious task of chopping, shredding and mincing fun. Many people buy a food processor but hardly use it. Make sure that the processor you buy is not just a novelty resting in the kitchen cabinet. Consider the number of attachments it has, and how it will ease your work in the kitchen on a day to day basis.

Juicer Machine

Processed breakfast items like cereals, breakfast bars, and packaged fruit juices have become quite popular amongst office-goers and college goers. These easy to fix breakfast menus may read healthy on the labels, but in actuality are laden with sugar and preservatives. Long-term consumption of such food can be detrimental to health, which is why it is wise to invest in a Juicer Machine. The health benefits of a freshly squeezed juice of your favorite vegetable or fruit are much more than the pre-packed ones. Moreover, Juicer Machine available these days are far more technologically advanced. One such example is the Kent Cold Pressed Juicer that retains nutrients and fibers and produces more juice. This Juicer Machine also makes less noise and is not very bulky is size. Just stack it up on the kitchen counter and enjoy a healthy glass of juice every morning.

Cooktop and Oven

Built in cooktop and oven is an essential piece for a modern kitchen. Compact and easy to use, this gas range allows you to cook traditional meals on the top, and in case you want to bake or try out exotic dishes like lasagna, pie or loaf, you can use the oven at the bottom. The advantage of cooktop and oven is that your counter top will look less cluttered and neat. And just in case you are a serial baker, a cooktop and an oven are what you need in your kitchen.

Electric Kettle

For morning tea or lemon and honey drink ritual, you need hot water. While most of us heat water on the gas stove, using an electric kettle will make things much easier. Just fill it with water and turn on the button and go about doing your thing, while the water heats up. You don’t want to worry about wasting electricity as the kettle will automatically turn off, once the water boils. The electric kettle comes with a comfortable handle that will allow you to pour water in the cup without spilling. It’s a must buy and overtime you will realize how easy it is to boil water in a jiffy.

Rice Cooker

Rice cooker is a must have in every kitchen. Although predominantly used to prepare rice, this appliance is a rather versatile piece. You can steam vegetables, dumplings and make a variety of dishes like halwa, biryani and even cook dal or boil eggs in it. The best advantage of a rice cooker is that it is an automated kitchen appliance and shuts off on its own once the rice or any other food item is cooked. It does not consume a lot of electricity and increases efficiency in the kitchen.

Kitchen appliances are built to make working in the kitchen efficient and easy. Given the hectic lifestyle, most often we shy away from cooking meals at home because cooking is perceived to be a tedious task. However, with these equipment, you will not feel the burden. So go ahead, grace your kitchen with these appliances and have fun preparing healthy, nutritious meals for your family.

PediKlear Callous Remover: Is This New Foot-Care Product Worth Your Money?

Beautiful, callous and crack free feet is something that would interest the majority of our readers, but it feels like every time a new product comes out promising them just that… it falls short. PediKlear, however, is the new device that’s been making waves in this space, but is it merely hype… or will the PediKlear Callous Remover truly give you those soft, beautiful and smooth feet you desire? We got our hands on a unit and put it through it’s paces. Let’s see what we found out.

Box Contents:

Let’s start off with the packaging and contents. Inside the white box we find:

The PediKlear Callous Remover Itself

Replacement Head

Cleaning Brush

Safety Cap

The Design

The device feels very sturdy in the hand, and it is not a surprise considering it’s water resistant feature. The casing that holds the batteries is easy to remove, but we do wish that the required batteries were included in the bundle. Anyway, moving on to the Mineral Surface Head, as PediKlear calls it, it feels quite solid and rough, but I guess it’s usefulness will only be revealed through testing. So let’s move on.

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Usage

First thing to note is that the device is pretty powerful. Upon switching it on and applying it to our feet, it was evident how quickly it reduced the dry skin on our heels into a fine dust. We first tested the PediKlear after soaking our feet and performance was in fact good. While we don’t recommend that you use this device as a one time magic fix-it-all, we are happy to state that even after one time use, results were in fact visible, with our feet noticeably softer, but even more, smoother to look at.

Dry use was much the same, with even more fine dust – once hard, rough and dead skin on our feet. Results were pretty much the same as with the wet feet test, which is to say good, though your mileage may vary on the wet/dry preference. Personally, I prefer wet use.

Conclusion: Although we would have liked to test the device more thoroughly, we can in fact say that it works, and works well (which is more than can be said for a few other similar products that our staff had tried in the past). We just wish it came with its own batteries – but other than that, it just works, and the results are plain to see.

Verdict: 8.5/10. Just remember to pick up batteries as well.

Final Words: The PediKlear Callous Remover doesn’t come cheap, like some of the other entrants into this space. But that’s because it’s not like any of the other entrants. It feels premium enough, is built sturdy and is water resistant – a big plus for me personally.

And the performance is on point. In both cases of wet and dry use, results were clear and immediate. The slight tickling feeling is worth it when you see the rough, unsightly and hard skin being filed away – leaving you with feet the kind of which I’ve not personally had for a long time.

We wish that the two AA batteries required came in the box, and the price could be off-putting for some, but other than that, two thumbs up from us.

Verdict: Efficient, Great Performance. Recommended.

Pick up a PediKlear on Amazon.

Is KREA really the fastest hair straightener in India? We tried it out for you!

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Well, there has been a lot of talk about Hair Straighteners that give salon-like results. And the new kid on the block has been making a lot of noise. So we tried out KREA to see it really is the best straightener in the country right now.

Our first impressions of KREA is good. The product is really ergonomic and fits your hand perfectly. The matte black finish is pretty decent and as the makers say – helps keep the brush smudge and scratch free.

Works Like A Wonder!

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We tried out straightening – one with our in-house editor and another with a girl who’s got really frizzy hair. And voila, it actually worked well. The under four minutes was a stretch for the girl with frizzy hair. It took her about 5+ minutes to get it all done. But KREA certainly left us impressed. We still could get salon-like hair straightening in just 5 minutes. I could only imagine the numerous brilliant possibilities of having a hair straightener at home – one that could do so much in so less time. No more regular visits to the salon and most importantly – I wouldn’t need to spend Rs.800 every time I went to the salon. At a price of Rs.10,000 – I think it isn’t cheap but definitely worth it because I could get my return on investment in just 10 uses. And with a 1-year replacement warranty – I am pretty sure the product the good in the look run to.

So for all the pretty people who have been following my style tips and blogs – here’s a new product that surely deserves to be in your closet. I loved KREA for sure!! Plus – with a 30-day money back guarantee, you can try it and keep it only if you like it. Your can buy KREA right here.

Raw Honey Garlic Lemon Shots: A Simple Recipe To Supercharge Your Immune System

One criticism often received by recipes involving cooked onions, garlic and other alliums is that the heating process destroys much of the allicin that leads to its protective effects. While this is partially true, knowing how to optimize garlic before eating it raw or cooked will maximize garlic enzymes and give them the best chance to survive meal preparation. I’ll share a very simple recipe to use regularly during the cold and flu season that will supercharge your immune system.

With their unique combination of flavonoids and sulfur-containing nutrients, allium vegetables–such as garlic–belong in your diet on a regular basis. There’s research evidence for including at least one serving of an allium vegetable–such as garlic–in your meal plan every day. If you’re choosing garlic as your allium family vegetable, try to include at least 1/2 clove in your individual food portion. If you’re preparing a recipe, you should use at least 1-2 cloves.

Washington State University showed that garlic is 100 times more effective than antibiotics at fighting disease causing bacteria commonly responsible for foodborne illness. Its anti-viral potency is perhaps even more effective.

Allicin, one of garlic’s most highly valued sulfur compounds–stays intact for only 2-16 hours at room temperature when it is present in purified (extracted) form. But when it’s still inside of crushed garlic, allicin will stay viable for 2-1/2 days.

If you give your chopped/crushed garlic time to sit before changing its temperature (through cooking) or its pH (through the addition of acidic food like lemon juice), it will give the alliinase enzymes in garlic an opportunity to work on behalf of your health. For example, in the absence of chopping or crushing, research has shown that just 60 seconds of immediate microwaving will cause garlic to lose some of its cancer-protective properties.

Before cooking or adding chopped garlic to lemon juice, let it sit for at least 10-15 minutes to maximize its potency. The following recipe has minimal preparation time and maximum benefits to your health, especially during cold and flu season. I call them shots because they’re a cocktail of beneficial immune boosting constituents inside a lemon half that you can eat in just a few bites. My recommendation is to have one or two of these per day during peak flu activity when viral transmission is at its highest (usually Jan-Mar).

Raw Honey Garlic Lemon Shots

1 lemon (preferably organic) 1-2 cloves of garlic (depends on size of cloves) 1/8 teaspoon of cayenne pepper 1 tablespoon of honey (preferably Manuka but at least Raw)

Step 1 – Cut a lemon in halves

Step 2 – Squeeze all the lemon juice out of one half and place in a small bowl. Keep the half you extracted the juice from for Step 6 (store the other half for later use)

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Step 3 – Chop the garlic and it let it sit for at least 10 minutes. Then add it to the lemon juice with the cayenne pepper.

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Step 4 – Add the honey to the mix and stir all ingredients well.

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Step 5 – Pour the entire mixture back into the lemon half (which you extracted the juice from in Step 2).

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Consume the finished product in its entirety including all the lemon pulp. Hold it in your hand and cup it as if you’re holding a fruit. Repeat recipe in 4 hours with the other lemon half.

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Viruses hate this information, so spread the word.

Credits: http://www.whydontyoutrythis.com/2013/07/raw-honey-garlic-lemon-shots-a-simple-recipe-to-supercharge-your-immune-system.html

How To Treat Droopy Eyelids Naturally. The Results Are Amazing!

Saggy and droopy eyelids can be really frustrating. They make you look more tired, old, and you cannot apply makeup like you suppose to. Generally, for most people the droopy eyelids are a natural result of aging, but they can also appear as a result of a nerve damage, disease, or an injury.

People have found an easy and cheap homeremedy that consists of a single egg.

The little shelled ovals have been utilized in beauty treatments for thousands of years.They have been utilized in preventing acne and dark spots, relieving scars,eliminating blackheads, as a hair mask, as a hydrating skin mask, and to tighten the skin around the eyes. This is what to do:

  • Firstly, you should remove all your makeup and pat it dry.
  • Remove the yolk from the egg.
  • –In order to easily separate an egg, crack it onto a plate. Take an empty water bottle, remove the cap, squeeze a bit of air out, and after that use it to suck up the
    Use a cotton swab to apply the egg whites on the eyelids.
  • *You should do this very carefully in order to prevent it from entering into your eyes.
  • Keep your eyes closed until the egg whites are completely dry.
  • At the end, wash it off and pat dry.

Credits: http://www.healthtipsportal.com/treat-droopy-eyelids-naturally-results-amazing/

Put This Inside Your Mouth And Say Goodbye To Toothache Within Seconds!

Toothache can be really frustrating and painful, especially if a nerve is damaged. However, toothache can occur because of several other reasons like teeth infections, gum issues, plaque, dental decay, injuries, cracked teeth, bad crowns and fillings, loss of a tooth, temporomandibular joint TMJ issues, sleep apnea, etc.

A lot of people reported that the one of the worst pain is toothache. The ache is so hard and unbearable that you stop doing everything and your mood deteriorates. Moreover, there is also the starving, as you are unable to properly chew in those moments.

The best option is to consult your dentist so that the problem is treated immediately. However, toothache can occur all of a sudden, for example, in the middle of the night when every dental practice is closed, or when you are on the road, travelling. Don’t worry, as there is a remedy that you can make on your own and treat the toothache.

Needed:

½ tsp of clove powder

½ tsp of coconut oil

Preparation:

Put both of the ingredients in a glass and mix them until you get a paste. Then, apply the paste onto your aching tooth and the gums as well. You need to repeat the procedure 3 times per day.

This remedy successfully treats toothache due to the eugenol in clove powder. Clove acts as an analgesic while coconut has an antibacterial effect.

In case of a surprising toothache, you can always prepare this remedy!

Credits: http://www.healthtipsportal.com/put-this-inside-your-mouth-and-tell-bye-to-toothache-within-seconds/