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!

O2 Spa at Hyderabad airport is sheer bliss

O2 Spa at Hyderabad airport is sheer bliss

Each time I travel by flight, I have passed by the O2 Spa at the Rajiv Gandhi International airport, Hyderabad. But I often give it a miss thinking it’s a small setup and a noisy area to even think of a spa experience. But this time around, I decided to give it a try. When I arrived at their reception aera, I was taken one level down where they have a spacious area. That made quite the first impression. Soon, I was escorted to a seating area where I was put at ease with a glass of water before I told them about the services I was going to avail.

I was escorted to a seating area

Although I love travelling, my feet get tired quickly—a reason why I chose the foot reflexology treatment along with shoulder and neck massage. I am a sucker for pampering services and can tell from the very first touch about the kind of experience that was to come. The therapist who started the massage was courteous enough to ask me if the pressure was okay. She was gentle throughout except at the pressure points. The place was quiet with a glass view of the plane takeoff and landing. It felt as if I was in a different world altogether. It felt very relaxing.

The place was quiet

I was taken to a therapy room for my shoulder and neck massage. The entire session was so soothing that I felt an instant rejuvenation. One of the best ways to tell if you had a good massage is a good sleep. Sure enough, it was! I slept like a baby on my flight to Mumbai. The moment the aircraft touched the ground, I felt I was ready to do my bit of exploring and enjoy my trip.

therapy room for my shoulder and neck massage.

Nothing can alleviate a tired body like a massage. It feels so nice that you feel fresh soon after the massage. Now I sure know where to go. I highly recommend this O2 Spa outlet to every traveller looking for relaxation before embarking on an official or pleasure trip. The best thing about this place is that the staff ask you about your experience even after the service.

A must visit place the next time you are at the Hyderabad airport.

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!

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.

7 Things Healthy People Do That Really Make a Difference

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New Year resolutions are easier made than done. Most of us unconsciously get back to our old ways sooner than we anticipate. And the root cause of us not being able to shake off these habits is our poor lifestyle choices. Ever wonder what you could achieve if these bad habits were weeded out? A lot more than what you have now, right? Today, I will tell you how you can change your life in just two steps. First, stop daydreaming about your achievements and avoid wasting time on revisiting your resolutions. Secondly, practice the below mentioned steps as a ritual till they become your habits and a part of your daily life.

1. Sleep Tight, Wake Up Bright

Sleep is the most important thing, we all can agree on that. We love to sleep, but still, some of us don’t get enough sleep. The mantra is to get 6-7 hours of sound sleep to rejuvenate your body, mind, and soul. Make your bed nice and cozy and crawl into it after 2-3 hours of having dinner. You can listen to soft and soothing music or read a book to help you relax. Wake up early to workout and eat breakfast before you head out to take on the world.

2. Skip Fasting, Not Breakfast

One of the advantages of waking up early is you will get time to prepare a wholesome breakfast. Breakfast is fuel for your brain, muscles, and internal organs. Having a healthy breakfast like oats is the key to a healthy body. Oats are rich in vitamins, minerals, and dietary fiber. They help to reduce the bad cholesterol levels, enhance your immunity, and keep you full for a longer period. Since they are low in calories, they also help you manage your weight. Try the healthy Horlicks Oats with fruits and nuts to boost the nutritional quotient in your bowl and it takes as less as 5 minutes to cook.

3. Workout, Don’t Fade Out

Now, who doesn’t want to look young and stay fit for as long as possible? In fact, research shows that working out regularly can slow down the aging process. Choose a convenient time to workout daily to build muscle mass, lose fat, and build bone strength. Working out can also improve mental health and release “feel good” hormones, which will help you stay positive.

4. Drink Water, Waste Not

We lose water through sweat, urine, stools, and breathing. Drink 2-3 liters of water every day to keep your cells hydrated so that the body can function properly. Water aids proper bowel movement, blood circulation, and maintains homeostasis and organ function.

5. Take A Break Before Breaking A Leg

Like a clogged drainage doesn’t work, a mind with too much to worry about doesn’t function properly. Take a break every once in a while to give your mind the chance to flush out worries. Travel, play a sport, join a dancing class, paint, play your guitar, and learn new things.

6. De-stress With Yoga, Not Movies

Switch off all electronic devices and stay away from all sources of radiations as much as possible. Choose a quiet place and de-stress by practicing yoga. Take the example of Jared Leto, who swears by the powers of yoga. He doesn’t look his age and is tremendously successful in life. Since stress is the main reason for many diseases and medical conditions these days, combat it to live a peaceful life. Yoga helps us to relax and therefore cures stress-induced health conditions.

7. Quit Smoking And Drinking Too Much, Live

It is not really worth doing things that we are told not to do, especially smoking and drinking too much alcohol. Too much free oxygen radical build-up can damage your DNA, alter the cell’s functions, and damage the organs. The worst part is, you will probably transfer your mutated genes to your offsprings. Quit smoking and drinking too much alcohol. Live to fulfill your dreams.

New Year symbolizes a new beginning, a second chance, and limitless possibilities. Times gone by won’t come back, but you can definitely make your future better by taking baby steps today. Have a very healthy, happy, and happening New Year. Take care!

15 Reasons Protinex Is The Best Protein Supplement

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It often becomes a burden to choose the best out of so many options, especially when all of them claim to be the best. Let me clarify. I had been working out regularly, and I was very happy with the amount of weight I lost. But it also left my skin sagging. My trainer suggested that I take protein supplements and include a lot of protein-rich foods in my diet.

Though I started eating a lot of protein-rich foods, I did not get the desired results. This was probably because I am a vegetarian and was not getting other amino acids required by my body. Since eating non-vegetarian food was not an option for me, I started looking for a protein supplement that would help me build lean muscle mass and make my body look more toned.

So, one day, I was driving back home when big hoardings of Protinex and Ensure caught my eyes. After reaching home, I looked them both up on the internet, and this is what I found.

1. Protinex has been in the Indian market for more than 50 years.
2. It is the No.1 doctor prescribed protein supplement powder in India.
3. It is one of the most trusted protein supplement brands in India.
4. Protinex has lower calories (367 kCal) as compared to Ensure (410 kCal).
5. Protinex has 50% more protein (32 gm per 100 gm) than Ensure (15.1 gm per 100 gm).
6. Protinex has lesser carb and fat content (1 gm per 100 gm) as compared to Ensure (11.5 gm per 100 gm).
7. Protinex contains more potassium when compared to Ensure. Potassium reduces muscle soreness that is a result of training. It also regulates the water balance in your body and aids the synthesis of dietary proteins.
8. The labeling of Protinex is more transparent and customer-friendly.
9. The ingredients present in Protinex are disclosed, so the customer is aware of what goes into his/her body.
10. It has a recommended dosage on the label, which makes it easy for the users to determine the amount they should consume.
11. Protinex tastes better than Ensure.
12. It dissolves easily in warm water or milk and does not form clumps.
13. It comes in a variety of flavors, such as vanilla, chocolate, elaichi, and fruit mix. Take your pick!
14. Protinex is also diabetic-friendly, since it has a sugar-free version.
15. It is so versatile that it can be used by anyone. Whether you want to use it to increase muscle mass, be more energetic, and strengthen your immunity, this protein supplement is the best one to opt for.

After discovering so many positives about Protinex and reading other user reviews as well, I was totally convinced that Protinex is the best protein supplement in the market. I could not wait a minute longer, and ordered it immediately! Today, I can confidently say that Protinex is highly efficient as I have gained the desired amount of lean mass and my body looks and feels amazing!

No Blu Blue Blocking Glasses – A Healthy Way To Sleep & Protect Your Eyes

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We have reviewed many products that are good for health. But this review is different. It is about blue light blocking glasses that have been very popular with gamers and techies and which are now available for everyday users too. So whether you are on a night shift or are a phone addict, here is a natural and easy solution that surely makes you sleep well.

So what are blue light blocking glasses?

so-what-are-blue-light-blocking-glasses

Blue light is ultraviolet and is emitted from screens – be it your computer, phone or even a TV. It is bad for your eyes and disturbs your sleep patterns. So here’s a solution. No Blu Blue Light Blocking glasses counter that effect with orange lenses that help you see screens without straining your eyes. The HB team used it for more than a month and boy could we see a different. I chat a lot personally before I doze off every night. I used to do it with these NoBlus on and it made me actually sleep well! It is based on a simple logic and it works like magic to put out the blue light from screens and even the sun.

PROS of No Blu Blue Blocking Glasses:

  1. Easy to use – wear & fall asleep in ten mins!
  1. Comfortable & comes with Flexi-Fit design
  1. Lets You Sleep Peacefully – Scientifically proven
  1. Rugged use acetate frames
  1. Unisex design

CONS (not actually much here) of No Blu Blue Light Blocking Glasses:

  1. No Indian equivalent to compare
  1. Only available in one frame colour
  1. Plastic frame, No metal options available
  1. Only available on Amazon & company site

The product as such is great and works well. If you really want to make good sleep and strain-free eyes your priority, you ought to have a pair of NoBlus!

You can buy it on Amazon of on nobluglasses.com

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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.