Darvi Anti-Dandruff Hair Oil Review: Permanent Results With 54 Ayurvedic Ingredients

Darvi Anti-Dandruff Hair Oil Review Permanent Results With 54 Ayurvedic Ingredients

To get rid of dadnruff, the remedies that most people like me depend on are the usual dandruff treatments. Shampoos, creams, lotions, hair-masks. And they’ve all just not got rid of the problem.

My flakes and the itchiness, returned in a few days of not using an anti-dadnruff shampoo. Before Royal Indulgence Darvi, I used an anti-dandruff shampoo at least two times a week. I was always trying to hide it, and keep others away from knowing htat I have such a scalp condition.

When I heard Royal Indulgence Darvi Anti-Dandruff Oil could permanently diminish your dandruff, I was thrilled. In just 10 applications, up to 70% of your dandruff symptoms are to permanently disappear. And in a month, 90% – never to return in it’s former severity.

Darvi Anti-Dandruff Hair Oil Review

The hidden power behind Ayurveda: Why Royal Indulgence Darvi Works

Age lifestyle, infection and allergies are just the tip of the iceberg. Most all dandruff remedies today do not treat all of the causes of dandruff.

Royal Indulgence Darvi is uniquely made of 54 herb and plant extracts! Each has a particular purpose, addressing all of the dandruff-causing factors at once. These 8 especially vital components in Darvi ensure you can say goodbye to dandruff for good.

Royal Indulgence Darvi clears, protects and nourishes your scalp. It basically acts as a 360 degree scalp remedy –

  1. The ingredients neutralize the Malassezia fungus causing your dandruff
  2. Calm the scalp itchiness and irritation
  3. Hydrate any and all dryness
  4. Give you a long-term, permanent relief from dandruff

I also had an easy time using Darvi, as it took no more than 20 minutes of use before I slept.

Top 8 Dandruff-Diminishing Ingredients In Darvi

The creators of Royal Indulgence Darvi have used specialized ingredients that together target all the causes of dandruff. Here are a few of the 54 plant and herbal extracts in Darvi.

Neem: A potent, natural antifungal and antimicrobial that weakens and removes Malassezia infection on the scalp that causes dandruff.

Neem

Tulsi: A well-known, concentrated herb to nourish your scalp while preventing and fighting infection.

Tulsi

Gandhak (Natural Sulphur): The safest, gentlest way to lift away flakes from your hair and scalp. Does not dry out or strip your scalp of essential oil like shampoos and synthetic ingredients.

Gandhak

Extra-Virgin Olive Oil: With large molecules that simply can’t block your pores, this oil solely hydrates and moisturizes your scalp. Also has a dominant antimicrobial effect.

Olive Oil

Cinnamon: A strong antimicrobial that relieves infection but also heals your scalp from daily damage.

Cinnamon

Jatamansi: Another super-effective antifungal that targets infections – solving flakiness and itchiness. Additionally it is also known to promote hair-growth.

Jatamansi

Durva: To maximize scalp-repair by soothing irritations and preventing itching sensations.

Durva

Punnaga: Stimulates your scalp for better blood-flow, circulating more nutrients to your scalp. Thus ensures overall greater scalp-health and healing.

Punnaga

We give Royal Indulgence a 4.6 out of 5

KREA Easy Curler Pro Review By Health Beckon

Overall rating: 4.5/5

Curler labelled

For years women have struggled to curl their hair with rollers, irons, chopsticks or whatever new fad got trendy on Youtube. Amidst this chaos, there was a serious need for a tool that gives you great results while making the whole curling process a little less intimidating. No newbie wants to fiddle around with a hot rod right? More so for fashion enthusiastic women who wanted a little change once in awhile but had to depend on a stylist for some simple curls. Seems unfair, right?

To shell out Rs.1000 – Rs.1500 for simple hairstyles each time only because you didn’t have the right tools to do it at home. Even if it wasn’t about the money, this is a great tool to have on hand when you don’t have the luxury of a last minute trip to the stylist. And so, KREA Easy Curler Pro was introduced to Indian women.

krea curler

Main Features

Automated curling “Feed” the curler your hair, clamp down until you hear beeps and release to get a perfect curl.

Intelligent spooling automation: sucks in the hair into a curl chamber and creates a curl with no exposure of the hot barrel or hair. The curling happens inside a closed space and hair is evenly heated for a perfect curl.

It has 3 settings for temperature, curl type and curl direction. This allows a lot of flexibility with hairstyles.
It’s meant for safe and easy curling- avoiding burns on the exposed areas like the scalp, sides of the face, ears neck and hands. It can be safely said there is 0% risk of burning skin with this tool

How this works – Hair is automatically drawn into the ceramic curl chamber where it is gently heated from all sides to form a perfect curl.

It has 3 timer settings (8,10 and 12 seconds) for different curl effects (Wavy, Medium Curl and Tight Curls) respectively. It also has Curl direction control, three settings that help you choose Left/Right/Alternate. Change setting to L while curling the left side of the hair. And change to R when curling the right side. Alternate, if you want a natural finish.

Pros:

Safe and easy way of curling hair. No burn risk means it was an overall no stress experience. In our opinion, it’s a great tool to have handy at home or even in salons.

The machine has many ways to guide you, a warning of quick beeps will tell you if you’ve put in too much hair. That is an excellent safety mechanism to avoid hair being tangled or stuck.

3 step easy curling method-

  1. Pick a 1/2″ or 1″ section and comb through to remove tangles.
  2. Place it in the chamber neatly and clamp the handles together.
  3. Release when you hear a quick series of beeps to indicate the curl is ready.

The curl direction control is a blessing. Allows you to get curls away from your face, framing it. the natural finish option is also great for those who prefer it.

The three timer settings are on point- 8 secs for a loose curl, 10 secs for a medium curl and 12 seconds for a tight, ringlet like curl.

Very, very idiot-proof.

Cons:

NOT GREAT FOR VERY SHORT OR VERY LONG HAIR: Works well for all hair lengths except pixie cuts or bobs that are above the ear. A rule of thumb here is if you have shoulder length hair or longer hair this works for you. If you have hair that runs below your waist you might have difficulty getting tight curls.

It might be a bit confusing for first timers.

It takes time to curl all your hair because you take only 1/2 inch or 1 inch sections every time.

Would recommend: Yes

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Royal Indulgence Amaira Hair Oil Review – A 100% Herbal Oil For All Round Scalp And Hair Care

Royal Indulgence Amaira Hair Oil Review

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Everyone likes to experiment with their hair once in awhile and colored hair, highlights, streaks etc are totally in these days. But, there is one fear regarding experimenting with hair which troubles all and i.e. the damage which will be caused to the hair.

Despite how safe and damage free the coloring brands might claim to be, it is a fact that all these products contain chemicals which damage the hair when exposed to them. And it takes a lot of time for the hair to repair the damage.  

 

Not just coloring, but even a basic thing like straightening your hair also causes a lot of damage to the hair due to the amount of heat your delicate hair is exposed to. Many people step back from experimenting with their because of these issues even if they badly want to.

Why stop yourself from getting the look you really want? Go get that look and let Royal Indulgence Amaira take care of the damages it might cause.

 

Repair Damaged And Weak Hair With Amaira

Royal Indulgence Amaira is made of all natural ingredients and is an oil which will naturally take care of your damaged hair. It contains no chemicals and thus causes no damage or side effects to your hair.

Due to the abuse of chemicals on hair, hair fall is a very common issue which arises. Hair tends to become dry and frizzy. There are a lot of issues that Royal Indulgence Amaira aims to fix and does it all naturally.

The oil has been developed after years of research and is based on time tested ayurvedic formulas. It is infused with the highest number hair growth inducing herbs (12) in their purest and most organic form. What makes Amaira different from other oils is the fact that it provides all round care for your hair and scalp.

12 Scalp Nourishing Herbs For More Than 16 Hair Issues

Royal Indulgence Amaira has 12 scalp nourishing herbs unlike any other oil in the market and it takes care of around 16 hair issues without showing any side effects. While most of the hair growth solutions use synthetic base, Amaira uses 4 types of pure milks as the base solution. Some of the herbs used in Amaira are:

Neeli ( Indigofera Tinctoria) – It is a herb used in most hair dyes as it gives natural black color to the hair. It helps make your frizzy hair more manageable, moisturized and gives a natural radiant shine which might have got lost due to the chemicals in other products.

Neeli ( Indigofera Tinctoria)

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Karnasphota (Cardiospermum Halicacabum)It is a himalayan herb which has been used since quite sometime for helping hair growth and providing nutrients to the scalp. It has anti-inflammatory properties and helps cure fungal dandruff.

Karnasphota (Cardiospermum Halicacabum)

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4 Kinds Of Pure Organic Milk – Amaira has the goodness of goat milk, coconut milk, cow milk and buffalo milk, all of which provide natural nourishment to hair roots. It helps reduce the damage which coloring or other processes might cause to your hair.

4 Kinds Of Pure Organic Milk

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Amla (Phyllanthus Emblica) – It strengthens the hair follicles and helps in hair growth. Its vitamin C content also prevents premature greying. It has been used since centuries as a natural conditioner for hair.

Amla (Phyllanthus Emblica)

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Why You Should Get Your Bottle Of Amaira Right Away!

  • Made of 100% natural ingredients
  • Gives absolutely zero side-effects
  • Certified by the ministry of Ayush (Ayurveda, Yoga, Unani, Siddi and Homeopathy), Govt. of India.
  • Has 12 scalp nourishing herbs unlike any other oil in the market
  • Fights as many as 16 hair issues and gives all round protection
  • Increases hair growth and thickness by 10-12%
  • Has a natural base of milk unlike the others which are synthetic and harmful

Overall Rating : We would give Royal Indulgence Amaira a 9/10 for all the benefits and goodness that is packed in one bottle itself. This oil is definitely a steal with all its amazing qualities and ingredients.

You can buy Amaira HERE —> 

Royal Indulgence Amaira Hair Oil Review - A 100% Herbal Oil For All Round Scalp And Hair Care -

Product Review: Royal Indulgence Anaha – Ayurvedic Remedy For Neck And Shoulder Pain

Product Review Royal Indulgence Anaha - Ayurvedic Remedy For Neck And Shoulder Pain

Overall Rating: 4.5/5

Fact: 1 out of every 10 people suffers from neck or shoulder pain. Its one of the most common ailment that people from the age of 18-64 suffer from. Our neck is in stress all the time as it is the one which takes the weight of our head.

Long hours of bending the neck forward or backward can give neck ache almost instantly. Our neck is under stress almost all the time and so are our shoulders. Some simple exercises regularly and rest can help manage and reduce the neck pain.

But there are times when you do not  have the time to rest but need some relief from your pain. We usually turn to instant pain relief balms or sprays for the same. But the only problem with these products is that they are chemical based and do not really solve the root cause of the issue.

Whereas, the product which we are going to talk about gets inside your skin and aims to solve the root cause of the issue. Royal Indulgence Anaha is a balm which will not only give you relief from neck and shoulder pain but will also give you a heap of other benefits too.

Royal Indulgence Anaha – With 54 Ayurvedic Ingredients

Anaha has the goodness of 54 ayurvedic ingredients which work together to give you relief from neck and shoulder pain and strengthen your neck muscles. It improves blood circulation to the neck by 10 times which heals the muscles faster and better.

This increased blood supply makes the neck muscles stronger over time and helps build a stronger immunity against physical stress and strain. Ingredients like Bala, Karpasa, Badara, Rubia Cordifolia etc help in this process naturally.

Manjistha (Rubia Cordifolia) has been used to treat joint problems since quite a long time and helps reducing uric acid from the body too.

Bala (Sida Rhombifolia) has anti-inflammatory properties which helps provide relief in the soft tissues relaxing your neck and shoulders.

Yava (Barley) is known to have many medicinal properties which help in strengthening the muscles of the neck and providing relief.

Pros And Cons Of Anaha

Pros

  • 100% safe and natural ayurvedic formula
  • With regular use it can make the neck muscles stronger by increasing blood circulation
  • Improves mood and reduces anxiety
  • Helps provide ease in doing activities related to neck and shoulder strain
  • Gets to the root cause of the neck pain and resolves it
  • Filled with 54 ayurvedic herbs to give you the all round relief from neck pain
  • A product with absolutely zero side-effects
  • Certified by the Ministry of Ayush, (Ayurveda, Yoga, Unani, Siddi and Homeopathy), Govt. of India.

Cons

  • If you have chronic neck pain it might not be able to give you instant pain relief

Bottom Line: Royal Indulgence Anaha provides various benefits which make it a catch at just Rs. 1299/- . It also has a 30 day money back guarantee which you can avail if you are not satisfied!

My First Experience With The Unique RapidSteam 2000 Garment Steamer

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While the clothes you wear might not be the right way to judge who you are, more often than not they are. It is not what you are wearing that matters, as much as how you carry it off, and let me tell you at the outset that creases don’t make for good first impressions. My job entails me to travel a lot, within the city and outside too. I am in an out of meetings, and it is so important that my hair and makeup is always in place, and my clothes are neat throughout the day. After all, I meet some very important people. While I can take a small break to check on how my hair and makeup is, the real problem is how to keep my clothes crease-free throughout the day. My quest to find a solution, introduced me to the RapidSteam 2000.

At first, I was a bit hesitant to buy it. I wasn’t sure about the quality or the brand. But when I saw that they offered a 100% money back guarantee, if I was not satisfied with the product, I saw no harm in trying it, and I went ahead and ordered the product. It arrived in just about 3 working days, and it was neatly packed in a transparent box. Inside, was this turquoise blue and white handle like object. It had a water pocket, that can hold unto 100 ml of water, and when I switched on the product it heated up in 25 seconds flat. What I was amazed at is how handy the device was. It is small, and it’s German design helps you hold it and work with it, with great ease. I then picked up a crumpled top from the bin of dirty clothes to test. I was static at the results. Even when the iron was about 5 cm away from the piece of cloth, the creases ironed out with a blink of the eye. A top is light, and easy to work with, so I decided to test it out on my trousers. I was happy with the results.

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While all this sounds great, it still doesn’t explain what the product is and does. So let me jot down all the pros and cons, so that you can decide for yourself if the device is worth owning or not.

The Minor Negatives 

  1. The Rapid Steam 2000 is sold at Rs. 4999, which at the beginning seems a little too much, but considering how much it can do, it is not a bad price.
  1. The device heats up and then cools down after about 10 minutes of high pressure steam which takes some getting used to.

The Big Positives 

  1. The device is light (approximately 600 grams), portable, and so easy to use. It takes less than two minutes to iron your garment.
  1. It is rechargeable, so you don’t have to keep spending on batteries. This is a one time investment.
  1. The device comes with a 1-year warranty. So you don’t have to worry if it doesn’t work well, you can always get it replaced.
  1. The 30-day money back guarantee is a bonus. You don’t have to worry about not liking the product. If it doesn’t work you can always give it back, and get a 100% refund of your money, no questions asked. (But I am so sure you won’t have to use it, considering how amazing the product is.)
  1. The device comes with a built-in NANO Polymer Filter that purifies the water and softens it. This prolongs the life of the device and reduces the calcium deposits.
  1. The Heat Sync Technology helps the iron to heat up in 25 seconds flat. The high pressure steam lasts for 10- minutes and helps remove even the most stubborn crease.
  1. The Rapid Steam 2000 comes with an in-built EPS or electronic pump system that helps reduce the water spills.
  1. It comes with a 6.5 feet charging cable that makes charging so easy. It has a voltage of 220-240V and a power of 850W.

I think this product is apt for every household. Because not only will it make your daily laundry easier, you can also carry it with you every where. It makes neatness 24X7 a possibility! I would give this product a rating of 8.5/10. You’ve just got to try it to believe it.

Buy It Here: RAPIDSTEAM 2000 – INDIA’S FASTEST 3D GARMENT STEAMER!

What’s Up, Doc?” – Crazy Ways Technology Is Changing How We Interact With Doctors!

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Way back in 1960, a man named Dashrath Manjhi decided to carve a mountain using just a hammer and a chisel. And 22 years later, the distance between his village and the nearest medical center is 40 kilometers lesser.

As we take a bow to his perseverance, we also look at the changing trends in healthcare today. With the dramatic rise in technology, no mountain can stop you from accessing immediate medical attention. We have apps, websites, etc., that allow you to book a doctor’s appointment online. But there’s more.

In this post, we talk about how online doctor consultations are changing the game. Keep reading to know more!

 

  1. No Boundaries

Literally. Wherever you are. Whether it is a cardiologist in Chennai who you want to consult, or a dietitian from Kolkata whose advice you want to take – you can do it right from the cozy comfort of your couch.

You might as well be staying in the remotest of locations – if you are able to read this post living there, you definitely can get medical attention.

 

  1. Economical

In the time when medical attention seems to get perennially expensive, anything that can cut costs is a boon. Coming to that, online consultations and apps are far ahead in the race. An average doctor visit might cost you Rs. 500 to Rs. 800 (travel expenses excluded, by the way). An online consultation could cost you way less. And hey, no overheads.

 

  1. Round the clock support

Illness doesn’t send prior notice, does it? What if there is an emergency in the middle of the night and you are not in a position to travel? A scary situation, right? With online doctor consultations, you can rest assured that you will be taken care of. Almost all online health service providers offer 24-hour access to doctors. You even have the luxury of receiving medical attention right at your home.

 

  1. Easily Access Your Medical Records

At times, carrying your medical records whenever you visit a doctor can get cumbersome. You also need to keep a tab on the reports you need to take. With online consultation, things get simpler. You can store all of your medical records online and access them with a click of a button for future reference.

 

  1. Prompt Medical Attention

Waiting for the doctor’s appointment in long queues has almost become a thing of the past. Thanks to technology, you now have access to healthcare facilities at your fingertips. And you can access it right away.

 

With online doctor consultations, you will never ever have to postpone that visit to your doctor, ever again!

5 Ways To Lose That Tummy Fat Fast

Ways To Lose That Tummy Fat Fast

You slip into your favorite pair of jeans, suck in your breath, and button in up. As you slowly exhale, your tummy starts to push against the fabric, and the zipper line becomes visible and strained. As always, you ignore the ever-increasing bulge that is threatening to burst out of your pants now, blaming it on the last binging session you went through. Stop! This is not your fault. As we grow older, our metabolism starts to slow down. What used to be effective before is effective no more. So, please stop the self-hate and make these changes to your lifestyle, and you may even have to shop for skinny jeans two sizes smaller!

1. Eat Healthy

 We are not advocating a strict diet where you feel that you are surviving on grass and water. No sir! Just make a better choice every time you stuff something in your mouth. Make deals with yourself – ok, I can have that cupcake if I finish my spinach and broccoli salad. (Most of the times, you will not even want that cake!) Include healthy fats in your diet. Try to get your carbs and protein from healthy sources, like fruits, vegetables, and fish and meat. Try to eat home cooked meals – no matter what you tell yourself, store-bought food is NOT healthy.

2. Drink Water

Drink water. It suppresses the appetite, and makes you eat lesser. Also, most of the times, you wolf down food thinking you are hungry. But, the truth is you are actually thirsty. So, drink, drink, and drink, then drink some more! In addition to fat loss, it will also make your skin clear, pretty, and flawless.

3. Try Supplements

5 Ways To Lose That Tummy Fat Fast

 No, they are not going to cause harm – that’s just a myth. You need certain elements for your body to function like a well-oiled machine. So, don’t ditch those vitamins and mineral capsules, or the much-doubted whey. Some products, such as GCB70, even help to revive your metabolism, facilitating quick weight loss. It burns the sugar and fat in the body and slows down the release of sugar in the bloodstream., thus decreasing your waist circumference effectively. It’s not wrong to give your body a little help to undo all the damage you have done to it all these years.

4. Exercise

Yes, we know. You never had to workout to maintain your weight. But, things change. The theory behind this is the more muscles you build, the easier it will be for you to lose weight. Thanks to a higher metabolism. Cycle, jog, swim, whatever. You can even do yoga. But a little something is required to transform your body and lose that muffin top for good.

5. Drink Green Coffee

 Yes, that’s not a typo! We do mean green coffee – green coffee bean extract that is. It is absolutely amazing. It has strong antioxidant properties and the cholorogenic acids present in it absorb free oxygen radicals in the body and also avert hydroxyl radicals, both of which cause cell degradation. Drinking  green coffee bean extract reduces the blood sugar levels. It also makes you lose weight effortlessly.

Take care of yourself. These steps will help you be a better you, and you will not only look better but feel better as well. There is no reason to suffer the wraths of a slowing metabolism. Combat it and flaunt a 28-inch waist once again!

MamaEarth Product Review

I have used several “safe” baby products for my daughter but always with doubts lurking at the back of my mind and one big question – Is it really safe for my baby? This is quite palpable since it is hard to trust these products that have so many artificial ingredients. In the sea of baby products, I came across something truly natural. This was MamaEarth Baby Care Essentials Combo. A few glances and I purchased the product right away and here I am writing a review on MamaEarth Babycare Products. This wonderful kit comes with essential everyday items needed for your baby’s upbringing and gives you a complimentary travel bag – all that with free shipping. What’s more that now you get a flat 25% discount on its price, which makes it a great value for money at Rs.1799. But what really impressed me about this package was the MadeSafe certification, which is an indicator that the products are baby safe and are made from top quality raw materials. It was the first time I felt convinced of having found a safe baby product for my daughter and purchased it immediately. So how was my experience? Quite good, indeed! 2 Massage Oil Insect Repellent

MamaEarth’s kit has six items made for babies viz. body wash, body lotion, mosquito repellent spray, sunscreen lotion, massage oil, and diaper rash cream. All are made from baby-safe natural ingredients and come in high-quality packaging. When it comes to the products they are just splendid! The thing you notice the moment you unscrew the cap is the total absence of chemical or synthetic fragrance, which you usually get from other baby products. All the products smell pleasantly natural and the lotions are completely non-greasy. I found the sunscreen lotion quite useful when taking my daughter outdoors. It gives you a peace of mind that your baby’s skin is safe from harmful UV rays and that she is protected by a lotion made from natural ingredients.

When it comes to everyday protection of my baby’s skin, then MamaEarth’s moisturizing lotion is just perfect. It leaves my little angel’s skin soft. I use it everyday along with MamaEarth no tear bodywash, which does not have parabens, mineral oil, or petroleum-based products that I fear can cause long-term negative effects on my baby’s delicate skin. The bathing routine is incomplete without some massage, especially before bedtime, and this is where I use the natural massage oil that is a mix of natural vegetable oils. Earlier, I noticed the visible irritation that my baby had to the smell of the products. But MamaEarth’s baby massage oil has no artificial fragrances and my daughter seems to enjoy the relaxing nature of getting a body massage with pure natural oils.

MamaEarth kit also comes with a diaper rash cream and an insect repellent spray. The diaper rash cream is just perfect for the times when your baby wakes up in the middle of the night crying due to the agony of diaper rashes. Scheduled application treats diaper rash completely. But there is something that is more perturbing to a parent than diaper rash and that is the risk of the baby getting bitten by pesky mosquitoes. Taking my daughter for a stroll in the park had become a predicament due to all the mosquitos swarming there but not anymore. Now I just spray some DEET-FREE insect repellent spray on her stroller and on clothes, which is enough to keep the mosquitos at bay.

Lastly, there is the travel bag that I can use to carry my baby’s necessary essential items such as her diapers, bottle, and napkins. All the MamaEarth’s products come in bottles with spillproof lids, which makes portability easy and I carry the kit every time I travel with my baby. It is one product that provides several benefits to the baby in a natural and chemical-free way. What more does a parent need? MamaEarth’s kit worked for my baby and should work for yours, too.

 

Why should you supplement your indemnity cover ‘mediclaim’ with defined cover ‘critical illness’ cover?

We all are at health risk, due to our hectic lifestyles and environment. This is why we equip ourselves, with a health insurance policy. It is the need for financial security, and quality treatment, which convinced us to buy a health risk cover. We know treatment expense in India is skyrocketing now. Even if we suffer from seasonal diseases like dengue or chikungunya, it will cost a lot, if we just consider our hospitalisation expense.

 

But, is your health insurance cover enough? If you have an insurance coverage amount of Rs 10 lakhs for self, is it still enough? We are asking these questions, as this is the right time to reconsider our options. Healthcare in India is making rapid advances, and we should avail maximum benefit of our health insurance cover. We should not be in a ‘compromising’ situation, even when we have a mediclaim policy.

 

Over the past few years, there has been a rise in the number of critical ailment cases. The sad part is that even youngsters are becoming susceptible to these critical diseases, like cancer, heart attack, etc. While critical ailments require specialised medical care, a mediclaim policy has a cap on doctor’s fees, and thus, you won’t get the complete coverage. In such cases, you will have no option but to pay from your pocket. Further, acute illness also means loss of income, disability, and change in lifestyle. Therefore, it is necessary to consider a critical illness (CI) cover.

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What is CI cover?

 

CI covers life-threatening conditions under a single insurance policy. Life-threatening risks can be heart attack, stroke, heart surgery, paralysis, organ transplant, kidney transplant, cancer, among others. Under CI cover, the policy beneficiary is entitled to receive the total insurance coverage amount in a lump sum. It is applicable from the time when the insured is diagnosed with a life-threatening condition.

 

How will you benefit?

 

This can be best explained with an illustration. Rahul is a 35 year old married man. His wife Anjali is 30 years old. They have a 2 year-old child. Rahul is living with his father, who is 55-years old.

 

Policy holder and coverCI cover benefits
Rahul has a policy for selfRahul is a busy man, with a hectic lifestyle. As Rahul grows older, he is at high risk of developing life threatening conditions, for example heart disease due to his sedentary lifestyle. If he has a family history of heart disease like his father has suffered a heart attack earlier, then he is at a greater risk. His warning signs will be high cholesterol, high BP, diabetes . He should have a CI cover.

 

If he suffers from chest pain at 38 years, then consider this:

 

His consultation fees to hospital will be Rs 800 onwards. This is not covered in his hospital package expense covered under standard health insurance policy.

 

Total cost of his treatment will be much higher. If he requires a stent, it will cost him Rs 3-5 lakh. The conservative estimate for his hospital stay will be Rs 10,000/day in a good private hospital.

 

His expense (15 days hospital admission) will look like:

Rs 800x 6= 4,800

Rs 5 lakh

Rs 10,000×15= 1,50, 000

Medicine, post treatment expense, doctor consultation should be added.

 

Rahul is likely to incur close to Rs 15 lakh for his treatment. It’s a life-long disease.

 

Standard policy will not cover this huge amount.

 

Exact benefits of CI cover (of Rs 30 lakh) will include-

ü  Payment of Rs 30 lakh when Rahul is diagnosed with a health problem

ü  Even if Rahul does not need a heart surgery, he is entitled to the whole amount

ü  Rs 30 lakh will cover his whole treatment expense and recuperation aids as well

 

A standard insurance policy will not include-

ý  Lump sum Payment of Rs 30 lakh. It is very unlikely that Rahul will have Rs 30 lakh as insurance coverage for self. At max, he might have Rs 12-15 lakh

ý  Even then, only his hospitalisation expense will be covered, which will be less than his actual treatment cost

 

Who requires a CI cover?

 

Two new reports by the Indian Council of Medical Research estimate that the number of cancer patients will increase to 1.7 million by 2020.

 

Taking the above illustration forward, Rahul will require a CI cover in addition, if

  • Rahul is planning to have a second child. His wife is 30-years old, has a family history of breast cancer, then he requires it on priority
  • Rahul is growing older. He has a family history of heart risk
  • Rahul’s father is an old-age man, and at increased health risk. He should necessarily have a CI cover, considering his father’s exact health condition now

 

 

Consider the following before buying a CI cover

 

Exact coverage offered by your insurance company; more specifically the list of diseases covered.

Opt for long policy tenure, to enjoy lifelong benefit. You never know when bad health strikes you. You should be financially prepared at any time in life. Also, opt for a large insurance coverage amount. Consider, inflation costs, since this is a long-term cover.

How to Take Garcinia Cambogia

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Losing Weight with Garcinia Cambogia

Eat healthy and get active. Taking this supplement alone will not cause you to lose weight unless you also change your diet and increase your level of physical activity. You don’t necessarily need a special diet. Eating nutritious meals and snacks throughout the day is a great place to start. You should also remove sweets, processed food, and sweetened soft drinks in order to lose weight.

  • You don’t need to start running marathons to get active. Start with smaller steps that will increase your activity level, help you move around more, and keep you healthy. Begin with walking, gardening, hiking, swimming, playing golf, or playing tennis. Then, work your way up to higher level activities.

Avoid high fiber foods. There have been no scientific studies to date that prove garcinia cambogia can help you lose weight. But, a number of studies have suggested that if you use garcinia while avoiding certain foods, you may increase your weight loss, especially around your waist. You should limit your intake of high fiber foods, particularly around the time you take the garcinia.

  • This means you don’t want to eat the high fiber foods with every meal because you take garcinia 30-60 minutes before meals. To get your daily fiber intake, eat high fiber snacks outside of this window.
  • These snacks include nuts, granola bars, kale chips, fruit, especially those with edible rinds like apples, cherries, and plums, and raw vegetables such as broccoli, carrots, and celery.

Limit fatty or sugary foods. You should also avoid foods that have too much fat or too much sugar. This includes fast food, chips and dips, cakes, pies, bacon, mayonnaise, candy, and chocolate. These all have a high fat or sugar content, and some of them have both.

  • You should also limit you intake of breads, potatoes, pasta, and sauces thickened with wheat flour.
  • Focus more on fish , lean meats such as turkey, chicken, and lean beef, and leafy green vegetables such as spinach and arugula.
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Understanding the Risks of Taking Garcinia Cambogia

Recognize the side effects. The reported side effects for garcinia cambogia include dizziness, dry mouth, headaches, an upset stomach, and diarrhea. If you see any of these signs after taking your supplement, stop taking it until you can see a doctor.

  • Garcinia has not been tested in children, in pregnant women, or on women who are breastfeeding. The use of garcinia in these women is not recommended.

Understand drug interactions. There are reports that garcinia may interact poorly with certain medications. These include medications for asthma, allergies, and diabetes. According to the reports, the garcinia make these drugs less effective.

  • It may also interfere with blood thinners, psychiatric medicines, pain medicines, iron supplements, and statins, which are drugs used to lower cholesterol.
  • Consult your physician if you are using any of these medications before starting garcinia.
  • If you experience any of these side effects, immediately stop taking the garcinia and contact your physician for advice.[

Be aware of a serious risk. Garcinia is believed to increase serotonin levels and when taken with antidepressant medications called SSRIs, can lead to serotonin syndrome. With serotonin syndrome, the levels of serotonin are much higher than normal. This can lead to neurologic symptoms such as stuttering, restlessness, agitation, loss of coordination, and hallucinations. It can also cause an increased heart rate and blood pressure, fever, and diarrhea.

  • There has been a single case reported of a woman who was taking garcinia along with the class of antidepressant medications called SSRIs. She developed the neurological symptoms of serotonin syndrome. If you experience any of these symptoms, stop taking any supplement and contact your healthcare professional immediately.
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Understanding Garcinia Cambogia

Know the origins. Garcinia cambogia is a tropical fruit native to Indonesia. It is also known as brindleberry, Malabar tamarind, and kudam puli. It looks like a small, light green pumpkin and is used in Indonesia for cooking. It has a sour taste.

Learn the benefits. Garcinia contains a type of citric acid, hydroxycitric acid (HCA), which appears to encourage weight loss by regulating the release of serotonin and the uptake of blood sugar. It also increases the oxidation of existing fats and decreasing the synthesis of new fat. While it is not very clear yet, this may mean that Garcinia may increase the biochemical use of fats for energy and decrease the amounts of new fat that is made.

  • Serotonin is a type of neurotransmitter, which is a chemical messenger between nerves and other types of cells. It is related to feelings of happiness, moods, and a sense of well-being
  • Studies have been conducted to determine whether garcinia supplements encourage weight loss in people who are overweight, and the results have not been clear cut. The upshot is that concentrated Garcinia may help people lose weight, especially when combined with a healthy diet and exercise. But there is no scientific evidence showing it actually has an effect.

Know the issues related to supplements. Since garcinia is dietary supplement, it is not subject to review by the Food and Drug Administration (FDA). This means that the FDA cannot approve garcinia according to its health and safety standards.

  • Always use caution when taking dietary supplements, and be sure to check with your doctor before use.
  • Whenever buying a supplement, make as certain as possible that the company follows Good Manufacturing Practices (GMP) and has been in business for some time.
  • Check out the company website. They should state that they follow GMP and should have some information about the company, their philosophy, and their company mission.
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Taking Garcinia Cambogia

Learn the correct dose. From some early studies, a safe dose of Garcinia appears to be up to 2800 mg per day. But, it’s not known what may happen if you take these amounts, so you should stay well below that dose.[12] Once you have found a good place to buy the supplement, you need to understand how much of the HCA you need to take. The dose of HCA should be about 1500 mg per day, though this varies from supplement to supplement.

  • Make sure you follow the manufacturer’s instructions and you consult a knowledgeable healthcare professional before starting.

Take garcinia as a pill. Garcinia comes in two different forms. The first is a pill form, either in a tablet or capsule. If you buy the supplement as a pill, take the recommended dosage of garcinia as a tablet or capsule with water. Take the pill about 30-60 minutes before each meal.

  • In general, garcinia is taken three times a day. This means that each pill should be 500 mg. That way, you stay within your daily dosage suggestions.

Consider liquid garcinia. The second form that you can take of garcinia is liquid. The liquid form of garcinia usually recommends taking 1-2 drops before every meal, but the amount can vary based on the dropper or concentration. Take the drop or drops under your tongue and let them stay for a minute or so. Then, have your regular meal 30-60 minutes later.

  • Before you take the liquid form, ask your pharmacist or a knowledgeable healthcare professional how much garcinia is in every drop for the particular kind you have. You should also ask how many drops would equal a total of about 1500 mg of garcinia every day. Once you have the total number of drops, divide that by three and take that amount before each meal.