Health

The Benefits of Mediclaim Policies: How It Can Help You Manage Healthcare Costs

Published

7 months ago

February 28, 2024

Freelancer

Since the last decade, the country has experienced a high rate of inflation which has narrowed the spending funnel. People find it hard even to access the basic amenities of life, including quality healthcare services. To make medical services affordable for the general public, health insurance companies came up with various mediclaim policies. These policies are specially designed by keeping in mind the varied medical needs and the income slots of the citizens. To know how the mediclaim policies can help you manage healthcare costs, you must continue reading.

Mediclaim

Mediclaim policies or health plan takes care of your medical expenses and prevent out-of-pocket expenses arising out of hospitalisation. It typically covers pre and post-hospitalisation costs for up to 30 and 60 days, respectively. To avail the benefits of the health policy, you have to pay an annual premium which depends on your age, medical history, and the coverage you choose.

Benefits of Health Plan

It is important to burst the myth that the best health insurance in India is meant for senior citizens or people with medical histories. Rather it is essential for everyone as most of youl live in a toxic environment where you breathe poor air and consume junk food more often than ever. This unhealthy regime invites serious health issues even at a young age. By having a health plan in place, you can reduce the financial burden in the treatment of such health conditions along with the following benefits:

Cashless Hospitalisation

Generally, health plans come with the benefit of cashless treatment during hospitalisation. This means you can access the admission process in the hospital by paying nothing in cash. You can avail of this benefit by showing the health card of the policyholder at the time of admission to the hospital. This facility reduces the financial burden and sudden requirement of money in case of medical emergencies.

Pre and Post-Hospitalisation Expenses

The medical expenses do not limit to hospitalisation; rather, it gets accumulated in the form of pre and post-hospitalisation medical bills. A medical policy also provides coverage for the expense incurred 30 days prior to hospitalisation and 60 days post-hospitalisation. This includes medical expenses on therapies, lab tests, doctor’s visits, etc. Thus, it covers all the major healthcare expenditures.

No Claim Bonus

No claim bonus is a benefit you get for the years in which you filed no claim with the insurer. It can either be in the form of increased coverage or a free medical service. However, the benefits vary with the insurer and the plan you choose.

Affordability

By paying a nominal premium every year, you can receive quality healthcare services from major hospitals. Moreover, medical cost has increased because of the usage of advanced technology for treatment, which otherwise would result in out-of-pocket medical expenses. Thus, it is better to cover yourself and your loved ones under a medical plan to avoid financial burden.

Alternative Treatments

Nowadays, health insurers include coverage for alternative treatments like Ayurveda, Unani, Siddha, and Homeopathy, along with allopathy. This allows you to access alternative treatments for your disease without worrying about medical expenses. However, the treatment should be availed from a registered hospital or medical institution.

Domiciliary Treatment

Domiciliary hospitalisation under a health plan is a benefit wherein the policyholder is considered as hospitalised while getting treatment at home. And since a health insurance provides coverage for hospitalisation expenses, the expenses incurred during domiciliary treatment are also covered.

Daycare Procedures

You can also avail of the similar benefit of hospitalisation in daycare procedures as well. There is no need for hospitalisation in a few procedures and surgeries, like, Cataract surgery, Chemotherapy, Radiotherapy, etc. Since these are expensive medical treatments, the cost is reimbursed by the insurer to avoid your financial burden.

Wrapping Up

Whether you are an individual or a family person, a health plan should be considered as a partner in tough times. It makes sure you get the best medical facilities without worrying about finances.

To make your insurance journey smooth, Niva Bupa offers high-quality service with 24*7 support for policyholders. It offers various best mediclaim policy along with a floater mediclaim policy. The insurer also provides discounts on online purchases of policies.

So what are you waiting for? Pick up your device and choose a plan which best suits you.

Health

The Nipah Virus kills a Teenager in Kerala, and Researchers have Found 60 High-Risk Cases.

Published

2 months ago

July 21, 2024

Salman

(CTN News) – The Nipah Virus state’s health minister announced on Sunday that the Kerala government is proceeding with the implementation of preventative measures in response to the death of a fourteen-year-old child from the Nipah virus and the identification of sixty individuals who are in the high-risk group.

The Nipah virus was the cause of the child’s death.

According to a study done by Reuters last year, there are parts of Kerala that are among the most vulnerable in the world for the virus to spread. The prior year saw the publication of the investigation’s results. Derived from fruit bats and other animals like pigs.

Virus Nipah causes deadly temperature increases.

Fruit bats are the source of nibah. The WHO has classified Nipah as a priority infection because it has the potential to start an epidemic anywhere in the world. This is because it is the cause of it. As things stand, there is currently no treatment or vaccine that can stop the virus from spreading. These two strategies don’t make sense as alternatives.

In an interview with reporters from a local television station, the state’s minister of health, Veena George, revealed that the affected child had died on Sunday from a cardiac attack. Veena George conducted the interview.

She said in a statement earlier on Saturday that directions had been provided to form 25 committees to identify and isolate those who have been infected with Nipah as part of the government’s efforts to control the outbreak. She added that these committees would track down and isolate Nipah-infected individuals.

According to Aster MIMS Hospital’s director of critical care medicine, Dr. Anoop Kumar, a youngster who is now enrolled in school, has been positively diagnosed with Nipah. People who had interacted with the child are under observation. It was Dr. Kumar who informed people of this information.

“At this point, there is very little chance of a Nipah virus outbreak,” he asserted, adding that the next seven to 10 days will be spent monitoring the situation.

“NIPAH virus outbreaks are unlikely at this stage.”

He explained the problem he was explaining using these exact terms. “There is a minimum chance of infection.”

The statement said that there are 214 different clients on the boy’s primary contact list. The statement disclosed this information. Sixty of them fall into the high-risk category, according to the investigation’s findings, and several hospitals have built isolation rooms to house patients from those facilities.

Family members of the afflicted patient were placed under care at a nearby hospital following the discovery of a Nipah virus case in Malappuram, a town approximately 350 kilometers (220 miles) from Thiruvananthapuram, the capital of Kerala, according to reports from the local media. Malappuram is found in the Keralan state.

You may locate Malappuram in the Indian state of Kerala. In contrast, those who may have been exposed were ordered to isolate themselves within the confines of their own homes.

The state administration is focused on finding those who may have contracted the virus, and they are actively looking for them. The aim of this action is to stop the virus from propagating further in order to control it.

The Nipah virus has been implicated in several deaths that have happened in the state of Kerala since it was first discovered in 2018. The virus has been blamed for these deaths.

The virus was first identified in Malaysia, but it has subsequently spread to Bangladesh, India, and Singapore, where outbreaks have been reported.

The region where the virus was first identified was Malaysia. About 25 years have passed since the finding was made.

SOURCE: IETN

Health

The spread of COVID-19 variants brings new fears this summer.

Published

2 months ago

July 8, 2024

Salman

(CTN News) – During the summer that is presently going place, many who are concerned about the prospect of a return of the COVID-19 virus have expressed their thoughts and fears. These changes are occurring as a result of the virus’s ongoing process of evolution.

Those genetic variants that are associated with the FLiRT group and the LB.1 variant, which is characterized by the presence of an additional mutation, are the ones that are creating the most concern, according to the information that was provided by Indian Express. It has been discovered that the FLiRT variations.

COVID-19 cases in the US are mostly Omicron subvariants.

This information was obtained through observation and analysis. According to the Centers for Disease Control and Prevention (CDC) in the United States, KP.3 alone was responsible for thirty-three point one percent of infections as of the beginning of June.

In addition to the fact that these strains have the ability to overcome immunity that has been established through vaccines and earlier infections, there is a bigger risk that they will be disseminated.

When the summer season started in the United States, 17.5% of the COVID-19 cases that were reported were caused by the LB.1 strain, which is a mutation of the FLiRT group. This strain was responsible for the whole outbreak. At the beginning of the summer season, this was the situation.

It has been linked to an increase in the number of hospitalizations that have taken place in Singapore, the United Kingdom, and the United States of America. Both the FLiRT and the LB.1 viruses are exceedingly contagious and have been related with this increase.

In addition, the number of deaths that occurred as a direct result of COVID-19 increased by 14.3 percent between the 16th and 22nd of June. This increase occurred between the dates of June 16th and June 22nd.

US emergency room visits increased by over 23 percent after COVID-19.

From May 5 to May 11, the number of COVID-19 cases in Singapore increased from 13,700 to 25,900, and the number of hospitalizations increased from 181 to 250. Both of these numbers are significant increases.

While this was going on, the number of people who were admitted to hospitals continued to rise. These two rises appeared concurrently in Singapore at the same time. Both of them occurred simultaneously.

During the month of May, there were 290 cases of the KP.2 variant and 34 cases of the KP.1 variant that were registered in India. These numbers pertain to the population of India. It was in India where both of these variations were discovered.

The population of India was found to have both of these COVID-19 variances during the course of the research.

It is a well-known truth in the field of medicine that the immunity that one acquires as a result of vaccinations and past diseases gradually diminishes throughout the course of one’s lifetime. The fact that this has been observed on a regular basis is a reality.

It is of the utmost importance to continue the administration of booster dosages, particularly for persons who are elderly or who have comorbidities or other disorders. This is especially true for those who have a combination of conditions.

Despite this, there is still a significant demand for preventative measures, such as isolating individuals from their social environment, using N95 or KN95 masks when inside the building, and increasing ventilation.

Individuals who are in high-risk environments or who have health difficulties should take further precautions in order to protect themselves from potential dangers.

Health

A Comprehensive Guide to Under Eye Creams

Published

3 months ago

June 25, 2024

Freelancer

A Comprehensive Guide to Under Eye Creams

The delicate under eye area is often the first to show signs of aging, fatigue, and sun damage. Dark circles, puffiness, fine lines, and wrinkles can leave you looking tired and worn out, even after a good night’s sleep. This is where under eye creams come in. These targeted skincare products aim to address these concerns, offering a glimmer of hope for achieving a brighter, more youthful appearance. But with a plethora of under eye creams on the market, navigating the world of these products can feel overwhelming. In this blog, we will understand under eye creams, explore their benefits, and help you find the perfect solution for your unique needs.

The Undereye Area: Why Does It Need Special Care?

The skin under the eyes is significantly thinner and more delicate than the skin on the rest of your face. It also contains fewer oil glands, making it more prone to dryness and dehydration. These factors contribute to the specific concerns that tend to manifest in this area.

Take a look at the reasons why you need to opt for the best under eye cream –

Dark Circles: These can be caused by various factors, including hyperpigmentation, genetics, sun damage, fatigue, and allergies. They appear as bluish, brownish, or purplish shadows under the eyes.
Puffiness: Fluid retention, allergies, lack of sleep, and even consuming too much sodium can lead to puffiness, making the undereye area appear swollen.
Fine Lines and Wrinkles: As we age, our skin naturally loses collagen and elastin, leading to the formation of fine lines and wrinkles. The delicate undereye area is particularly susceptible to these signs of aging.

However, it is also important to understand that only using the best under eye cream won’t help. You also have to make changes to your lifestyle for effective results.

Firstly, you need to ensure that you get adequate rest at night. Staying awake till late is not good for these delicate areas. Secondly, you need to drink plenty of water throughout the day. It will keep the skin hydrated and plump. Thirdly, you need to choose a well-balanced diet rich in fruits, vegetables, and whole grains and follow it religiously.

The Power of Under Eye Creams: Discover the Benefits

While under eye creams for Dark circles are not magical skincare products, they offer several potential benefits that can improve the overall appearance of your under eye area. These are –

Hydration: The skin under your eyes is thinner and lacks the oil glands present elsewhere on your face. This makes it prone to dryness and dehydration, leading to a dull, tired appearance. Under Eye creams help plump and smooth the delicate under eye area, making you look refreshed and awake.
Dark Circles: Dark circles can be caused by various factors, making your eyes look shadowed and tired. Under Eye creams with brightening properties can help address this concern.
Depuffing: Fluid retention, allergies, or simply a long day can cause puffiness under the eyes. Under Eye creams can help reduce puffiness by promoting better circulation and decongesting the undereye area, leaving you looking refreshed and revitalized.

Choosing the Right Under Eye Cream: Finding Your Perfect Match

With a vast array of under eye creams available, selecting the right one requires considering your specific concerns and skin type. Here are some tips to keep in mind –

For Dark Circles: Look for creams with vitamin C, kojic acid, or retinol to address hyperpigmentation.
For Dry Skin: Look for creams formulated with hyaluronic acid, ceramides, or shea butter for intense hydration.
For Sensitive Skin: Choose fragrance-free, hypoallergenic formulas to minimize irritation.

Application Tips for Optimal Results

Simply purchasing the under-eye cream is not enough. Here are some tips for maximizing the effectiveness of your under-eye cream –

Apply on Clean Skin: Cleanse and pat dry your under-eye area before applying the cream. This ensures better absorption.
Use a Pea-Sized Amount: Less is more! A pea-sized amount of cream is sufficient for both eyes.
Gently Dab: Use your ring finger to gently dab the cream into the undereye area. Avoid dragging or rubbing, as this can irritate the delicate skin.
Focus on the Bony Area: Apply the cream to the orbital bone, starting from the inner corner of your eye and moving outwards towards your temples.
Let it Absorb: Allow the under-eye cream to fully absorb before applying any makeup.
Consistency is Key: For optimal results, use your under-eye cream twice daily, once in the morning and again at night.

The best under eye cream for your dark circles

Lotus Organics+ Precious Brightening Under Eye Crème is one of the best under eye creams on the market. Enriched with 100% certified organic white peony extract, this lightweight under eye cream targets the delicate under eye area, addressing concerns like dark circles, puffiness, and fatigue.

For a revitalized and radiant look, incorporate the Lotus Organics+ Precious Brightening Under Eye Crème into your daily skincare routine!