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How Do I Choose Good Health Insurance?

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Medical inflation has risen up to 8.4% in the last year. If it continues at the same rate then a simple operation that costs INR 1,00,00 today, will cost INR 1,17,500 in the next 2 years. The difference is a huge matter of concern for almost everyone.

The pandemic has also made it more than obvious that we cannot just rely on our savings in the time of need. This is where health insurance comes into play. If you are the sole earner of the house, then getting health insurance should be your first priority.

Not only because life depends on you including yourself, buying good health insurance is a smart choice to save yourself from sky-rocketing medical expenses.

Pro tip: If you start early, the greatest advantage you own is paying less premium for a wide number of benefits. Because as age increases, the premium amount increases directly with limited-service options.

But don’t worry, no matter what your age is, you can start now. With just these few tips in mind, you will be able to choose the perfect health insurance for yourself and your family:

1. Go for long-term plans

If you are young right now, you should go for plans that benefit you in the long term. Because there are fewer chances of you getting sick and availing of the claim because of which you will be able to have a no-claim bonus.

This typically means that if you are not claiming your health insurance for a particular year, your bonus will increase next year.

An additional benefit of long-term plans includes adding a new member to the policy of transferring the insurance to another (in case of death). So, do look for these clauses as well, while going for the long-term plan.

2. Look for coverage

The most important thing to look for while buying good health insurance is coverage. There are a lot of different words mentioned in the clauses that people miss out on while buying the policy. This is a big mistake that will trouble you immensely at the time of claim.

So, do not feel shy to inquire about all the things mentioned in the policy sheet such as pre-illness treatments, pre, and post-hospitalization benefits, maternal care, ambulance charges, in-patient hospitalization, cashless treatments.

When you get an idea, you will be able to compare it against your needs to determine if it is really worth purchasing this or looking for another one.

3. Ask about room-rent facilities

Depending on the rent limit your insurance has, you get different types of rooms in a hospitalization case. The lower room-rent limit will get you a public room or a shared room while insurance that has a higher-room limit gives you the advantage of using a private room.

So, don’t hesitate to inquire about this because if your insurance has a lower limit and you opt for a private room, the extra charges would fall upon you.

4. Look for the list of exclusions

All insurance policies have a list of exclusions which means those conditions for which the insurance will not cover any charges. So, look specifically for each point to avoid any inconvenience later on.

5. Inquire about the waiting period

There is always a waiting period attached whenever you buy a policy. This means you have to wait for a certain time period before you can avail your health insurance claim. This usually ranges anywhere between 12-24 months.

So, if you get a higher waiting period do ask the reasons for it, compare if necessary and then agree to it.

6. Mention the co-pay clause

One thing you should know about buying any insurance is that there is very little possibility of getting the full amount at the time of claim.

Most (almost all) insurance policies have a co-pay clause, that is the percentage of expenditure borne by the agency and the remaining borne by you. This percentage varies in every policy.

So, while checking out this point, make sure to see that the higher percentage falls on the agency than on you.

Otherwise, you would end up paying more from your own pocket when it’s time to settle the bill.

Over to you…

Getting health insurance may be a tedious task but it is the one that gives you the most benefits. After all, health is the biggest treasure and we must protect it.

Keep these tips in mind and you are just a step away from securing your life and your loved ones too.

Health

Wheelchairs: Types, Functions, Advantages, and Recommendations for Choosing

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Wheelchairs Types Functions Advantages and Recommendations for Choosing


Wheelchairs are an essential means of transportation for people with disabilities, helping them maintain mobility, independence, and improve their quality of life. They provide comfort and convenience in everyday life, allowing users to be active and independent.

Let’s explore the different types, functions, and advantages of wheelchairs, and provide recommendations on how to choose the right one.

Types of Wheelchairs

There are several types of wheelchairs, each with its own characteristics and purpose:

1. Mechanical.

Mechanical or manual wheelchairs are propelled by the user or an assistant. They are simple in design, lightweight and affordable.

Advantages:

  • Light weight.
  • Easy to use and maintain.
  • Relatively low cost.
  • Do not require power supply.

Disadvantages:

  • Require physical effort to move.
  • Limited speed and range of movement.
  • Not suitable for people with limited hand strength.

2. Electric.

Equipped with a motor and controlled by a joystick or remote control. They are suitable for people with disabilities who cannot move the wheelchair on their own.

Advantages:

  • Easy to operate.
  • Ability to travel long distances.
  • High level of comfort and support.
  • Suitable for users with reduced mobility.

Disadvantages:

  • High cost.
  • The need for regular battery charging.
  • Large weight and dimensions.

3. Sports.

Sports wheelchairs are designed for active users who play sports or lead an active lifestyle. They have a lightweight and durable design, with special wheels and accessories to improve maneuverability and speed.

Advantages:

  • Lightness and maneuverability.
  • Strength and durability.
  • Suitable for an active lifestyle.

Disadvantages:

  • High cost.
  • Not always suitable for everyday use.

4. Children’s.

Children’s wheelchairs are specially designed for young users with disabilities. They take into account children’s physiological characteristics and provide a high level of comfort and safety.

Advantages:

  • Adaptation to the needs of children.
  • Adjustable components for child growth.
  • High level of comfort and safety.

Disadvantages:

  • Limited period of use due to the child’s growth.
  • High cost of specialized models.

5. Wheelchairs for an active lifestyle.

Designed for users who lead an active lifestyle despite physical limitations, including work, travel, and sports. They combine lightness, maneuverability, and comfort.

Advantages:

  • High maneuverability and lightness.
  • Suitable for an active lifestyle.
  • Convenient for traveling.

Disadvantages:

  • May be less comfortable for prolonged use.
  • High cost.

You can find a wide range of wheelchairs from world-famous brands: https://medsupplycart.com/

Functions of Wheelchairs

They perform several important functions that help users maintain independence and improve their quality of life:

  • Mobility. Their main function is to ensure the mobility of the user, allowing them to move around at home, at work, and on the street.
  • Support. They provide the necessary support for people with disabilities, helping them maintain proper posture and avoid injury.
  • Comfort. They provide comfort through ergonomic design, adjustable seats and backrests, and additional accessories such as armrests and footrests.
  • Independence. Wheelchairs help users maintain their independence, allowing them to perform daily tasks and engage in social activities independently.

Advantages of Wheelchairs

Wheelchairs have several advantages that make them indispensable for people with disabilities:

  1. Improved quality of life. They help users lead an active lifestyle, participate in social activities, and maintain independence.
  2. Reducing physical activity. They reduce the physical load on a person with disabilities, allowing them to move around effortlessly.
  3. Improved safety. Ensure user safety by helping to avoid falls and injuries.
  4. Comfort and support. Provide comfort and support, helping to maintain proper posture and avoid pain and discomfort.

Recommendations for Choosing a Wheelchair.

  • Identification of needs. Before choosing a wheelchair, it is important to identify your needs and requirements. Consider your lifestyle, activity level, physical abilities, and medical needs.
  • Consultation with a specialist. Consult your doctor or rehabilitation specialist. They can help you determine which type of wheelchair is best for your needs.
  • Read reviews and ratings. Read reviews and ratings of different models. This will help you find a reliable and comfortable wheelchair that meets your needs.
  • Test the wheelchair. Be sure to try it out before you buy. Make sure it is comfortable, easy to operate, and meets your needs.
  • Warranty and service. Check the warranty terms and availability of service centers in your area. This will ensure timely repairs and maintenance.

Wheelchairs are an important means of transportation for people with disabilities. They help maintain mobility, independence, and improve quality of life. Choosing the right wheelchair depends on the needs and requirements of the user, as well as the conditions in which it will be used. Consultation with a specialist, reading reviews and testing will help you make the right choice and ensure maximum comfort and support.

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Beauty

How to Test for Acne

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Acne is the most common skin issue in the United States, affecting an estimated 50 million people. Although most prevalent in teenagers and adolescents, adult acne is a problem affecting men and women throughout their adult lives.

So, how do you know if you suffer from acne, and how do you find out what is causing it? Let’s take a closer look.

What is acne?

Acne is a skin condition that predominantly leads to spots and oily skin. It most typically occurs on the face, back, and chest. Acne is often linked to a change in hormone levels during puberty but can start at any age.

Some people only experience mild symptoms of acne that do not require treatment, whereas others struggle with more severe issues.

What are the main symptoms of acne?

Although everyone’s skin is different, some of the most common symptoms of acne are:

  • Crusting of skin bumps
  • Cysts
  • Papules (small, red bumps)
  • Pustules (small, red bumps that contain white or yellow pus)
  • Redness around skin eruptions
  • Scarring of the skin
  • Whiteheads
  • Blackheads

The symptoms of acne most commonly occur on the face, although they can also manifest themselves on the shoulders, back, arms, chest, and buttocks.

How is acne diagnosed?

If you suspect that you may have acne, you can make an appointment with your doctor, who will be able to give you an official diagnosis. In most cases, they can do this simply by examining the skin without the need for any testing.

Alternatively, you could book an appointment with a dermatologist, although this is unlikely to be covered by your health insurance.

What tests are available for acne?

If you struggle with chronic acne and would like to find out more about what is causing your skin to break out, you might want to consider requesting a blood test for acne.

Although this can be carried out by your doctor, it would be better to work with dermatologists and skin experts who can administer an in-depth test to see what is going on underneath the surface of your skin.

There are lots of different biomarkers that can be checked to see what is causing the acne on your skin, such as:

  • Blood glucose
  • Kidney function
  • Electrolytes
  • Inflammation
  • Vitamins and minerals
  • Liver function
  • Thyroid
  • Hormones including testosterone, estrogen and progesterone
  • Gallbladder function

It is highly unlikely that your doctor will check all these elements of your health when doing a blood test as it is expensive to do. However, this can leave you with even more unanswered questions. However, when you undergo full testing, you can find the root cause of your acne and make any necessary changes to your lifestyle, diet, and skincare routine.

You can order acne health skin care home test kits that are delivered directly to your doorstep, which require you to take a sample and post it back to the lab. Alternatively, if you do not feel comfortable doing this, you can make an appointment with a private clinic.

What triggers acne outbreaks?

There are lots of things that can trigger an acne breakout, including:

  • Hormonal changes such as puberty, menstrual periods, pregnancy, birth control pills, and menopause.
  • Certain medications, such as steroids and testosterone.
  • Birth control devices such as drug-containing IUDs.
  • Excessive touching of the skin.

Although many people believe that a poor diet can contribute to spots, there is little evidence to suggest that eating sugary foods such as chocolate and candy causes spots.

What are the best treatments for acne?

Depending on the severity of your symptoms, there are several treatment options available. For mild cases, it can be a good idea to start with a good skincare regime that includes cleansing, moisturizing and gentle exfoliation.

For more stubborn spots and blemishes, over-the-counter treatments that contain salicylic acid or benzoyl peroxide can be effective. However, these can cause redness, drying, or excessive peeling of the skin in some people.

Lastly, for those who have severe symptoms of acne, there are several treatments that your doctor may be willing to prescribe, such as oral and topical antibiotics and prescription formula sulfur, resorcinol or salicylic acid.

Final thoughts

Acne, both in adolescence and adulthood, can have a seriously detrimental effect on your self-esteem. Fortunately, you do not need to suffer in silence as there are tests and treatments available, with options for all ages and skin types.

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Health

When to Know Your Sore Throat Needs Urgent Attention

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Sore throats are incredibly common, especially in children, and, in most cases, are nothing to be concerned about. However, sometimes they are a sign of something more serious.

If you have a persistent sore throat or your child keeps complaining of having a sore throat and you are starting to worry, it can be a good idea to know when a sore throat requires urgent attention.

What are the most common causes of a sore throat?

Most colds are caused by a virus, such as the common cold or seasonal flu. However, there are other potential causes, including:

  • Allergies
  • Bacteria
  • Dry air
  • Exposure to pollutants, excessive dust or chemicals
  • Smoking or exposure to second-hand smoke

Could my sore throat be a sign of throat cancer?

In rare cases, a sore throat can be a sign of cancer in the throat, which affects around 1% of the adult population. There are several different types of throat cancer, including nasopharyngeal cancer, glottic cancer, and oropharyngeal cancer.

As mentioned above, it is very unlikely that your sore throat is a symptom of having throat cancer, although it is important to know that it could be. Some of the most common signs and symptoms of throat cancer include:

  • A cough
  • Changes in your voice, such as hoarseness or an inability to speak properly
  • Difficulty swallowing
  • Ear pain
  • A lump or sore that does not heal
  • Weight loss

It is also worth knowing the factors that increase your risk of throat cancer, such as being a smoker or chewing tobacco, excessive alcohol consumption, viral infections such as HPV, and exposure to toxic substances.

Do I have strep throat?

Strep throat is a bacterial infection that makes your throat feel sore and scratchy. This infection only accounts for a small percentage of sore throats, however, if left untreated, it can cause issues including inflammation of the kidneys and rheumatic fever.

Strep throat is most common in children, although it can occur in adults as well. If you suspect that you or your child has strep throat, make an appointment with your doctor as soon as possible.

Some of the most common signs of strep throat include:

  • A sore throat
  • Chills
  • A headache
  • Loss of appetite
  • Abdominal pain
  • Nausea and/or vomiting

It is worth knowing that strep throat does not normally cause a cough, so if you have this symptom, you are more likely to have a viral infection.

Is a sore throat a symptom of COVID?

While a sore throat can be a symptom of COVID, it is not as common as a fever and a dry cough. However, if your sore throat is a result of COVID-19, it might feel:

  • Dry
  • Painful when you swallow
  • Scratchy or itchy

If your sore throat is accompanied by a fever, headache, and a dry cough, you may want to take a test to rule out COVID.

What symptoms indicate that a sore throat requires medical attention?

A viral sore throat should start to show signs of improvement within five days. If you or your child has had a sore throat for longer than this time and are not responding to over-the-counter treatments, it can be a good idea to book an appointment with your doctor.

However, if your sore throat has persisted for a long time, seems too severe or you have other worrying symptoms, it may require urgent medical attention. Concerning symptoms that require immediate investigation include:

  • Blood in your saliva or phlegm
  • Dehydration
  • Difficulty breathing or swallowing
  • Excessive drooling, especially in young children
  • Joint pain or swelling of the joints
  • A high fever (over 101 Fahrenheit)
  • Chills and body aches
  • A rash or hives on your body
  • Earache
  • Hoarseness that lasts more than two weeks
  • Unexplained weight loss

Final thoughts

When it comes to any persistent or worsening symptoms, including a sore throat, it is always better to be safe than sorry and seek medical advice. If your sore throat is accompanied by any other worrying symptoms as detailed above, you should seek medical attention as quickly as possible.

In most cases, your sore throat will go away on its own with time and rest or you may require antibiotics if you have a bacterial infection.

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