5 Tips On Vital Health Insurance Law

1. Specify requirements for medical expenses

Define what you want a hedge against - is just one serious illness or injury resulting from an accident, hospitalization or OPD expenses as well. There are different types of health insurance policies available to meet your needs and your budget.

2. Decide that the members of your family need to be part of the insurance policy - which are the split policies be beneficial.

When you buy a family select multiple options. Sometimes it is beneficial from a cost perspective, the oldest family member to have a separate policy. Normally, all insurance companies offer policies to cover for you or spouse, and up to three children under one policy. Some policies also provide coverage for dependent parents in the same policy.

3. Decide the total amount of medical expenses is necessary.

The total amount of coverage must be determined by the number of people you want covering your strategy for costing of health care and existing coverage you may have other sources that the staff has provided insurance group.

4. Read the list of exceptions, health insurance - as well as permanent and the first year.

Exclusions to define the suffering and the conditions under which insurance will be invalid. For example, a permanent exclusion is common cosmetic surgery. Such an operation is discretionary and is generally not life threatening, and executed under the pressure of the patient. Excluding the first year is common cataract, cataract surgery is covered by the second year. This is to avoid moral hazard.

5. Verify the network coverage of the Administrator (TPA) to be employed by the health insurance company.

Make sure the hospital near his home that could be used in emergencies and the hospital where you are looking for a regular treatment or specialist hospital is part of the TPA (Third Party Administrator).

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12 Indian foods that cut fat

You don't have to acquire a taste for olive oil, seaweed or soya to maintain a low-fat, healthy diet. Indian cuisine can be healthy too, if it's cooked with oil and ingredients that take care of your heart and health.

Ayurveda suggests you include all tastes — sweet, sour, salty, pungent, bitter and astringent — in at least one meal each day, to help balance unnatural cravings. Here are 12 foods that can help you lose weight and gain health:

Turmeric : Curcumin, the active component of turmeric, is an object of research owing to its properties that suggest they may help to turn off certain genes that cause scarring and enlargement of the heart. Regular intake may help reduce low-density lipoprotein (LDL) or bad cholesterol and high blood pressure, increase blood circulation and prevent blood clotting, helping to prevent heart attack.

Cardamom : This is a thermogenic herb that increases metabolism and helps burn body fat. Cardamom is considered one of the best digestive aids and is believed to soothe the digestive system and help the body process other foods more efficiently.

Chillies : Foods containing chillies are said to be as foods that burn fat. Chillies contain capsaicin that helps in increasing the metabolism. Capsaicin is a thermogenic food, so it causes the body to burn calories for 20 minutes after you eat the chillies.

Curry leaves : Incorporating curry leaves into your daily diet can help you lose weight. These leaves flush out fat and toxins, reducing fat deposits that are stored in the body, as well as reducing bad cholesterol levels. If you are overweight, incorporate eight to 10 curry leaves into your diet daily. Chop them finely and mix them into a drink, or sprinkle them over a meal.

Garlic : An effective fat-burning food, garlic contains the sulphur compound allicin which has anti-bacterial effects and helps reduce cholesterol and unhealthy fats.

Mustard oil : This has low saturated fat compared to other cooking oils. It has fatty acid, oleic acid, erucic acid and linoleic acid. It contains antioxidants, essential vitamins and reduces cholesterol, which is good for the heart.

Cabbage : Raw or cooked cabbage inhibits the conversion of sugar and other carbohydrates into fat. Hence, it is of great value in weight reduction.

Moong dal : The bean sprouts are rich in Vitamin A, B, C and E and many minerals, such as calcium, iron and potassium. It is recommended as a food replacement in many slimming programmes, as it has a very low fat content. It is a rich source of protein and fiber, which helps lower blood cholesterol level. The high fiber content yields complex carbohydrates, which aid digestion, are effective in stabilising blood sugar and prevent its rapid rise after meal consumption.

Honey : It is a home remedy for obesity. It mobilises the extra fat deposits in the body allowing it to be utilized as energy for normal functions. One should start with about 10 grams or a tablespoon, taken with hot water early in the morning.

Buttermilk : It is the somewhat sour, residual fluid that is left after butter is churned. The probiotic food contains just 2.2 grams of fat and about 99 calories, as compared to whole milk that contains 8.9 grams fat and 157 calories. Regular intake provides the body with all essential nutrients and does not add fats and calories to the body. It is thus helpful in weight loss.

Millets : Fiber-rich foods such as millets - jowar, bajra, ragi, etc - absorb cholesterol and help increase the secretion of the bile that emulsifies fats.

Cinnamon and cloves: Used extensively in Indian cooking, the spices have been found to improve the function of insulin and to lower glucose, total cholesterol, LDL and triglycerides in people with type 2 diabetes.

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Your Mouth, Your Health

What Healthy Gums Look Like

Healthy gums should look pink and firm, not red and swollen. To keep gums healthy, practice good oral hygiene. Brush your teeth at least twice a day, floss at least once a day, see your dentist regularly, and avoid smoking or chewing tobacco.

Find out which health conditions are related to gum disease and mouth problems:

Bacteria Cause Gum Disease and Worse

The research isn't conclusive, but red, swollen, and bleeding gums may point to health problems from heart disease to diabetes. Sometimes, bacteria from your mouth can travel to your bloodstream, setting off an inflammatory reaction elsewhere in your body. Left untreated, gum disease can increase your risk for a host of diseases linked to inflammation. Certain diseases and medications also may cause mouth problems.

Can Mouth Bacteria Affect the Heart?

Some studies show that people with gum disease are more likely to suffer from heart disease than those with healthy, pink gums. Researchers aren't sure why this association exists. One theory is that oral bacteria travel into the bloodstream where it may attach to fatty plaques in the arteries, causing inflammation and setting the stage for a heart attack. Are you are at risk? Talk to your doctor.

Gum Disease and Diabetes

Diabetes can reduce the body’s resistance to infection. Elevated blood sugars increase the risk of developing gum disease. What's more, gum disease can make it harder to keep blood sugar levels in check. Protect your gums by keeping blood sugar levels as close to normal as possible. Brush after each meal and floss daily. See your dentist at least once a year.

Dry Mouth and Tongue Cause Tooth Decay

The 4 million Americans who have Sjögren's syndrome are more prone to have oral health problems, too. With Sjögren's, the body's immune system mistakenly attacks tear ducts and saliva glands, leading to chronically dry eyes and dry mouth (called xerostomia). Saliva helps protect teeth and gums from bacteria that cause cavities and gingivitis. So a perpetually dry mouth is more susceptible to tooth decay and gum disease.

Medications That Cause Dry Mouth

Given that a chronically dry mouth raises risk of cavities and gum disease, you may want to check your medicine cabinet. Antihistamines, decongestants, painkillers, and antidepressants are among the drugs that can cause dry mouth. Talk to your doctor or dentist to find out if your medication regimen is affecting your oral health, and what you can do about it.

Stress and Teeth Grinding

If you are stressed, anxious, or depressed, you may be at higher risk for oral health problems. People under stress produce high levels of the hormone cortisol, which wreaks havoc on the gums and body. Stress also leads to poor oral care; more than 50% of people don't brush or floss regularly when stressed. Other stress-related habits include smoking, drinking alcohol, and clenching and grinding teeth (called bruxism).

Osteoporosis and Tooth Loss

The brittle bone disease osteoporosis affects all the bones in your body -- including your jaw bone -- and can cause tooth loss. Bacteria from periodontitis, which is severe gum disease, can also break down the jaw bone. One kind of osteoporosis medication -- bisphosphonates -- may slightly increase the risk of a rare condition called osteonecrosis, which causes bone death of the jaw. Tell your dentist if you take bisphosphonates.

Pale Gums and Anemia

Your mouth may be sore and pale if you're anemic, and your tongue can become swollen and smooth (glossitis). When you have anemia, your body doesn't have enough red blood cells, or your red blood cells don't contain enough hemoglobin. As a result, your body doesn't get enough oxygen. There are different types of anemia, and treatment varies. Talk to your doctor to find out what type you have and how to treat it.

Eating Disorders Erode Tooth Enamel

A dentist may be the first to notice signs of an eating disorder such as bulimia. The stomach acid from repeated vomiting can severely erode tooth enamel. Purging can also trigger swelling in the mouth, throat, and salivary glands as well as bad breath. Anorexia, bulimia, and other eating disorders can also cause serious nutritional shortfalls that can affect the health of your teeth.

Thrush and HIV

People with HIV or AIDS may develop oral thrush, oral warts, fever blisters, canker sores, and hairy leukoplakia, which are white or gray patches on the tongue or the inside of the cheek. The body's weakened immune system and its inability to stave off infections are to blame. People with HIV/AIDS may also experience dry mouth, which increases the risk of tooth decay and can make chewing, eating, swallowing, or talking difficult.

Treating Gum Disease May Help RA

People with rheumatoid arthritis (RA) are eight times more likely to have gum disease than people without this autoimmune disease. Inflammation may be the common denominator between the two. Making matters worse: people with RA can have trouble brushing and flossing because of damage to finger joints. The good news is that treating existing gum inflammation and infection can also reduce joint pain and inflammation.

Tooth Loss and Kidney Disease

Adults without teeth may be more likely to have chronic kidney disease than those who still have teeth. Exactly how kidney disease and periodontal disease are linked is not 100% clear yet. But researchers suggest that chronic inflammation may be the common thread. So taking care of your teeth and gums may reduce your risk of developing chronic kidney problems.

Gum Disease and Premature Birth

If you're pregnant and have gum disease, you could be more likely to have a baby that is born too early and too small. Exactly how the two conditions are linked remains poorly understood. Underlying inflammation or infections may be to blame. Pregnancy and its related hormonal changes also appear to worsen gum disease. Talk to your obstetrician or dentist to find out how to protect yourself and your baby.

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5 Healthy Foods to Eat at your Workstation

We've all heard it times and again that sitting all day long at the desk isn't really good for the health. Sadly, there aren't any feasible alternatives to this mode of working.While you can't just leave your job, you can surely do something which is beneficial for your health.

Eating the right kind of fruits can help you overcome the negative effects of sitting like a robot all day.Here are five power foods you can enjoy while sitting at your desk. They can work wonders for your heart, blood pressure, and can even improve your memory and concentration.

Walnuts

Some new researches have pointed out that walnuts have more (and better quality) antioxidants than almonds, peanuts, pistachios and many other nuts. All nuts have been found to improve lipids and can reduce the risk of heart diseases. Walnuts have also been found to enhance cognitive and motor function in animals with Alzheimer's. Experts recommend seven walnuts a day.

Cup of Green Tea

Polyphenols, one of the major ingredients of green tea, is known to help repair the damaged DNA and stimulate the immune system. Besides, research shows that green tea also helps in reducing the risk of cancers, including skin cancer and prostate cancer. 

Popcorn

If there ever was a list of healthy snacks, this is definitely going to be on the list. In fact, many say that popcorn is the healthiest snack available. It is 100 percent whole grain and is big on fiber and anti-oxidants. If you can air-pop your popcorn and add a minimal quantity of salt, you'd have the best popcorn, say experts. If your office has a microwave, just make sure you bring a pack of low sodium popcorn to work.
 

Dark Chocolate

This, too, contains those powerful antioxidants called Polyphenols which combat the risk factors (like oxidation of LDL cholesterol) for heart diseases and also inhibit clotting. Studies have also indicated that consuming a small bar of dark chocolate daily can reduce blood pressure in people with mild hypertension. Caffeine, another active ingredient of dark chocolate, can give you that much-required kick and a boost in concentration levels. 

Fruits

Not only they help you conquer that “false hunger”, they are also brimming with nutrients which are needed to keep you going all day. You can choose between apples, bananas, mangoes, oranges, papayas etc. but make sure you carry some fruits to the office on a daily basis.

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The Correct Way To Drink Water

Our bodies are made up of mostly water. Just look at the facts: The brain contains 74% water, blood contains 83% water, lean muscle has 75% and bone has 22% water.. Experts agree that water is one of the most powerful forms of treatment. So how come most people don't drink enough water?
10 Health Benefits of Water:

1. Water prevents kidney stones. The most common cause of kidney stones is not drinking enough water. Since water dissolves the substances that form stones in the urine, drinking 12 glasses daily helps treat kidney stones.

2. Water treats urinary tract infection. The more water you drink, the more you will urinate. "Drinking lots of water will help flush out harmful bacteria from your bladder," says Medical City kidney specialist Dr. Roberto Tanchanco.

3. Water helps patients with diarrhea by preventing dehydration. As a first-aid for diarrhea, you can make your own oral rehydration solution at home. Mix a glass of water with 2 teaspoons sugar and ¼ teaspoon salt, and drink as much as you can tolerate. This is similar to the dextrose solution in the hospital.

4. Water helps reduce fever. For symptoms of flu, water can help lower your body temperature when you urinate the "heat" out of your body. If you're sick, drink more water for you to recover faster.

5. Water helps treat cough and colds, sore throat, and respiratory infections. Water helps loosen sticky phlegm. A respected lung specialist told me that some mucolytics out there are just as beneficial as drinking lots of water.

6. Water reduces heartburn. Taking 2-3 gulps of water every 20 minutes or so can help flush the stomach acid away. Bananas and water are effective alternatives to taking antacids. Try it.

7. Water prevents constipation and its complications. Too little water can harden the stools and lead to hemorrhoids and diverticulosis, a disease of the large bowel. Drink water and eat lots of vegetables to soften your stools.

8. Water keeps you alert and energetic. If you're dehydrated, your blood is literally thicker. This makes it harder for the blood to circulate. As a result, the brain can become less active and you can feel confused and fatigued. Some studies also show that water may help cure migraine headaches.

9. Water helps reduce weight. By drinking a glass or two of water before a meal, you will lessen the amount of food you can take in order to feel full. Water has zero calories and will not make you fat.

10. Water keeps your skin soft and radiant. Just as a dehydrated person will have deep-set eyes and wrinkled skin, so will a fully hydrated person exhibit a normal and beautiful skin tone.


The Correct Way To Drink Water:

1. Drink water when you wake up. Your body loses water while you sleep, so drink a glass before you go to sleep, and another glass when you wake up. You are naturally thirsty or dehydrated in the morning. Drinking water in the morning helps flush out the toxins that have accumulated all night.

2. Drink 8 to 12 glasses a day. According to the Mayo Clinic, a 120-pound individual needs 8 cups of water a day, while a 190-pound person would require 12 cups daily. Dr. Robert Tanchanco says that we should monitor our urine color and keep it on the light side. However, drink only a maximum of 16 glasses a day, and not more.

3. Drink little by little throughout the day. It is preferable to sip water throughout the day rather than to drink two glasses all at once. This will lessen the stress on the heart (especially if you have heart disease) and give your body more time to absorb it.

4. Don't wait until you're thirsty to drink water. By the time you feel thirsty, you're probably already 2 glasses below your normal water needs. Elderly people are also less sensitive to the body's need for water.

5. Drink water, not soft drinks, alcohol or coffee. Some experts believe that tea, sodas and coffee can be potentially dehydrating. Moreover, the high phosphorus and sugar content in cola drinks can lead to conditions like osteoporosis and diabetes. One study shows that adults who drank six cups of coffee daily experienced mild dehydration. Drinking alcohol is much worse because it actually dehydrates you by making you urinate a lot.

6. Train children to drink water. Set a good example to your kids and drink water together. Make sure that children drink enough water when they're active. Pack a large bottled water in their lunch box.

7. Drink more when it's hot. People living in hot climates like the Philippines need to drink more water. They are more prone to develop kidney stones compared to those living in cooler regions.

8. Drink more as you exercise. When you exercise, you need to drink more water to compensate for fluid loss. Go for an extra 500 ml of water for a 30-minute to 1-hour exercise. Eating a banana also helps keep your potassium up.

9. Drink more when you're sick. Even though you don't feel like it, you really need to drink more water to help your body recover from various infections. If you're dehydrated, you'll feel much worse.

10. Drink more if you're pregnant. Women who are expecting or breast-feeding need additional fluids to stay hydrated. The Institute of Medicine recommends that pregnant women drink 10 cups of fluids daily and women who breast-feed take in about 13 cups of fluids a day.

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