Everyone dreams of being financially stable. But a sudden illness or an accident can eat all your savings with the soaring medical and treatment costs. However, collecting funds in case of medical urgency is an intimidating task. A health insurance policy is the best choice to avoid financial strains due to medical expenses and protect your savings.
A health insurance policy covers all medical expenses incurred due to illness, accidents, or injury. You can avail of such an insurance policy by making monthly or annual payments for a specific tenure.
Why Is Health Insurance Important?
“Health is Wealth.” Protecting your and your family’s health is the most significant and prime concern. A medical emergency can arise anytime. Therefore, you have to be prepared and financially stable to handle all expenses. Though you may have enough savings to pay medical costs, you may experience a financial crisis if the charges are expensive.
With the rise in the cost of healthcare services, many people are unable to afford the best-in-class and quality treatments. But with health insurance, they can get the best treatment from top hospitals and manage their expenses. Therefore, health insurance is a beneficial policy, helping you stay financially stable in times of a medical emergency.
8 Things To Consider Before Buying A Health Insurance Online
Given below are some helpful pointers to keep in mind before buying a health insurance policy:
- Claim Process
While selecting the policy, you must look after two parameters – the claims process and the settlement of the claims. It is better for the insured if the claims process is easy and straightforward and the settlement of the claims is faster. Moreover, you must look for good customer support.
- Selecting The Right Amount
As health insurance finances medical expenses of a year, selecting the appropriate health insurance plan plays a crucial role. You must consider certain factors while picking the right package, such as your age, income levels, etc.
Choose a plan that involves enough sum and won’t fall short during an emergency. Moreover, make sure that your plan’s premium is not sky-high.
- Family Health Insurance
Before choosing the health insurance plan, make sure you keep in mind your family members and their age. Moreover, take into account family members’ medical history or current ailments, if any.
- Waiting Periods
It is the specific time limit period that individuals have to pass before the health policy coverage starts. Therefore, choose a health policy that has shorter waiting periods. You may face situations where you can’t avail of your health policy if its waiting period is more extended.
- Maternity Benefits
With the rising costs of all healthcare services, pregnancy costs have also increased. Women should look for a health insurance plan that covers maternity costs. For maternity purposes, you must consider the sub-limit and the waiting period for claiming maternity expenses.
- Pre/Post Hospitalisation
The health insurance plan you pick should cover all pre and post hospitalization charges.
Pre-hospitalisation charges include doctor consultation fees, medications, and diagnostic tests. Post-hospitalization expenses involve medicines, follow-up with a doctor, etc.
- Network Hospitals
You should always prefer an insurance company that has a cashless network of hospitals. The benefit of a cashless network of hospitals is that the insurer directly settles medical expenses with a hospital. Therefore, you can avoid the process of billing at the hospital. Choose an insurance company having a vast network of hospitals.
Bajaj Finserv Health has a network of more than 3500 partners.
- Lifetime Renewal
A health policy that provides lifetime renewability is the best one to buy. After all, it is likely that you may suffer from illness at your old age than when you are young.
Benefits Of Health Insurance
Given below are some benefits of purchasing health insurance:
- Health insurance covers domiciliary expenses, diagnostic tests charges, medication costs, hospitalisation charges, ambulance expenses, daycare procedures, etc.
- One of the most significant benefits of health insurance is that it offers tax benefits. Premiums that you pay for your health policy qualify for tax deductions under section 80D of the Income Tax Act, 1961.
- You can transfer your existing health policy to a new health insurance provider through health insurance portability.
- It offers financial security and keeps you stress-free during inflation.
After looking at the benefits of health insurance, you might surely think of utilizing this policy. Bajaj Finserv Health is a comprehensive healthcare app that offers various medical services, like finding a doctor, booking an appointment, consulting a doctor online, storing health records, etc. With the Bajaj Finserv Health EMI card, it has become more manageable to pay all your medical expenses in installments.
The tenor to pay for the treatment ranges between 3 to 24 months. You get a pre-approved limit of up to INR 4 lakhs with the Bajaj Finserv Health EMI card. The monthly payments will automatically get debited from your account.
Physician Disability Insurance
Have you ever thought of not going to job from tomorrow? Just because of disability. Isn’t this thought of not going to work and losing the working and earning opportunities fearing? This is what a disability can do to you and your future. It can certainly make your job and future financially vulnerable if you don’t take financially sound steps as earlier as possible. Disability can be caused due to illness, disease or injury. Let us look forward in the conditions that why should a physician have a disability insurance.
Being a physician is really a very high skilled job and if we consider the total expenses to becomes a physician we get to know that it takes a lot of money to complete the whole education and till the time a physician start practicing medicine he/she might have lot of burden to repay your debt. Being enrolled in such a highly skilled profession if you lose the opportunity of working all because of disability than it would be almost impossible for you to find a replacement carrier opportunity with a comparable salary.
There are many challenges and risks attached to your profession which you might be ignoring till date but now is the time to think about it.
- Being a physician if you have an injury or illness you cannot perform hands on patients care or perform surgical procedures on your patients.
- Disability can act as a hindrance in your career path and you won’t be able to perform your occupation duties.
- Physician being a very well paid and highly skilled profession are always advisable to have long term disability insurance because this is the only way you can substitute your income and manage finances as there would be no comparable job or scheme that can offer you the same reputation and earning opportunities. Long term disability insurance benefits will stay intact till the time you don’t get back to work or till the time you don’t recover.
- In the physician disability insurance most part of your lost income due to disability is insured so you don’t have to worry about your monthly expenses and fulfilling your financial obligations.
- To incur the most benefits out of the insurance the cost of insurance policy would be around 1-4% of your annual salary in another term it means that more amounts you receive at every month more would be the cost of policy.
- The coverage amount varies from company to company but generally your 80% of monthly income would be certainly covered in the policy.
- Higher risk specialties are those that perform interventional procedures, such as surgeons, obstetricians, and emergency room doctors; by contrast, GPs and dentists tend to be classified as lower risk.
Disability insurance for physicians is really a very good idea because your rates will never be lower and the premium would also increase as per your earnings , age and time period involved with the insurance company. If your clients trust on you for their physical well-being than our clients too trust on us for their future financial well-being.
Everything You Should Know About Curing Dark Circles And Fine Lines With Essential Oil.
The forehead’s frontalis core muscles produce lines on the forehead. When you lift your eyebrows, these muscles contract. The skin on the forehead is pulled up as the frontalis muscles are raised, creating forehead wrinkles that look like lines.
Being fatigued is a common contributor to dark circles beneath the eyes. The shadows cast by swollen eyelids or voids under the eyes that form as a natural component of aging often pass for dark circles under the eyes.
Because the skin beneath the eyes and the skin on the forehead is so much thinner than the skin upon the rest of the face, fine lines, dark spots, and dark circles around the eyes are the most prevalent problems people encounter. The skin around the eyes is thinner and less elastic because it is more vulnerable to the environment, chemicals, and UV rays.
Fine lines around eyes and forehead can be treated with the usage of Essential oil regularly. Some naturally extracted plant-based oil works so much better to cure the underlying problem.
Lycopene and beta-carotene, two antioxidants included in rosehip oil, are powerful deterrents to hyperpigmentation and under-eye circles. It has been demonstrated that rosehip oil usage increases skin brightness.
Rosehip oil is a fantastic treatment for calming, hydrating, and profoundly nourishing those noticeable dark circles. It can be used alone or with other oils.
Vitamin E Oil
Vitamin E oil for eye circles is high in antioxidants and can fend against any harm caused by free radicals. Additionally, it has the power to encourage blood flow, which frequently leaves very few fine lines and wrinkles on your face.
Due to the anti-inflammatory and antioxidant characteristics, these two oils have combined, applying vitamin E oil and almond oil to the under-eye area will help minimize dark circles and decrease under-eye puffiness.
Free – radicals partially cause fine wrinkles and lines on the face. Antioxidants included in lavender oil help shield you from free radicals. Get a few drops of lavender essential oil combined with coconut oil/Almond Oil to treat wrinkles. The combination can be applied as a moisturizer once or twice a day.
Grapeseed oil for dark circles and Fine line is used to nourish dry, dull skin, even out skin tone, and lessen the visibility of lines and wrinkles. Because they repair skin’s elasticity, help it retain moisture, and protect it from environmental harm. Linoleic Acids and lots of vitamin E are infused into the oil to benefit the skin.
You can get pure grapeseed oil and use it as a serum on your face before night by putting it there. Your skin will absorb more moisture if you add a drop of grapeseed oil to your favorite moisturizer or lotion on your face and body. Additionally, it has the power to encourage blood flow, which frequently leaves very few fine lines and wrinkles on your face.
If used regularly, these essential oils would benefit your skin to have the glow you always wanted. Choose the essential oil that suits your liking.
Trigoxin Drug: Uses, Side Effects, Interactions, Warnings & Dosing Advice
Trigoxin is a drug that is used to treat congestive heart failure and other heart problems. It helps the heart pump blood more efficiently. Trigoxin can cause side effects such as nausea, vomiting, and diarrhea.
It can also interact with other drugs, so it’s important to know how to take trigoxin and what precautions to take. Here we will discuss the uses, side effects, interactions, and dosage advice for trigoxin.
What Is Trigoxin?
Trigoxin is a prescription drug that is used to treat congestive heart failure and other heart problems. Trigoxin belongs to a class of drugs called cardiac glycosides. Cardiac glycosides are drugs that help the heart pump blood more efficiently. Trigoxin works by increasing the force of contraction of the heart muscle.
This helps the heart pump blood more efficiently and decreases the amount of work the heart has to do. Trigoxin is available as an oral tablet and an injectable solution.
What Are The Side Effects Of Trigoxin?
The most common side effects of trigoxin include:
- muscle cramps
The most serious side effects of trigoxin include:
- heart failure
- cardiac arrest
Trigoxin can also interact with other drugs. Trigoxin should not be taken with diuretics, ACE inhibitors, beta blockers, or calcium channel blockers. Trigoxin can also interact with digoxin, warfarin, and quinidine. Trigoxin can also interact with certain foods, so it’s important to know what to avoid while taking trigoxin.
How Should I Take Trigoxin?
Trigoxin is typically taken once or twice a day. Trigoxin should be taken with food to decrease the risk of gastrointestinal side effects. Trigoxin should be taken at the same time each day to maintain an even level of the drug in your blood.
Trigoxin can be taken with or without food. Trigoxin should not be taken with grapefruit juice. Trigoxin should not be crushed or chew. Trigoxin should be swallowed whole. Trigoxin can be taken with or without food.
What Are The Precautions Of Trigoxin?
Trigoxin can cause side effects that may impair your thinking or reactions. Be careful if you drive or do anything that requires you to be alert. Avoid drinking alcohol while taking trigoxin. Trigoxin can increase the risk of arrhythmias. Trigoxin should be used with caution in people with kidney disease, liver disease, or a history of heart disease. Trigoxin should be used with caution in people over the age of 65.
Trigoxin should not be used during pregnancy. Trigoxin can pass into breast milk and may harm a nursing baby. Trigoxin should not be used in children under the age of 18.
Is Trigoxin Used For Dogs?
Trigoxin is not FDA approved for use in dogs, however, it may be prescribed by a veterinarian for off-label use. Trigoxin is used to treat heart conditions in dogs. Trigoxin can cause side effects such as vomiting, diarrhea, and weakness. Trigoxin should not be used in puppies or dogs that are pregnant or nursing. Trigoxin should be used with caution in dogs with kidney or liver disease. Trigoxin should not be used in conjunction with other medications, such as ACE inhibitors, beta blockers, or calcium channel blockers.
It can interact with other drugs, so it’s important to talk to your veterinarian about all the medications your dog is taking. Trigoxin is a prescription drug and should be used according to your veterinarian’s directions.
Is The Trigoxin Pill Real?
Yes, Trigoxin is a real medication. Trigoxin is a prescription drug that is used to treat congestive heart failure and other heart problems. Trigoxin belongs to a class of drugs called cardiac glycosides.
Cardiac glycosides are drugs that help the heart pump blood more efficiently. Trigoxin works by increasing the force of contraction of the heart muscle. This helps the heart pump blood more efficiently and decreases the amount of work the heart has to do.
Trigoxin is a prescription drug that is used to treat congestive heart failure and other heart problems. Trigoxin belongs to a class of drugs called glycosides. Cardiac glycosides are drugs that help the heart pump blood more efficiently. Trigoxin works by increasing the force of contraction of the heart muscle.
This helps the heart pump blood more efficiently and decreases the amount of work the heart has to do. Trigoxin can cause side effects such as vomiting, diarrhea, headache, dizziness, weakness, and muscle cramps. Trigoxin can also interact with other drugs. Trigoxin should not be taken with diuretics, ACE inhibitors, beta blockers, or calcium channel blockers.
Trigoxin should be used with caution in people with kidney disease, liver disease, or a history of heart disease. Trigoxin should not be used during pregnancy. Trigoxin can pass into breast milk and may harm a nursing baby. Trigoxin should not be used in children under the age of 18.
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