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Things To Keep In Mind Before Buying Health Insurance Online

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Health-Insurance

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:

  1. 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:

  1. Health insurance covers domiciliary expenses, diagnostic tests charges, medication costs, hospitalisation charges, ambulance expenses, daycare procedures, etc.
  1. 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.
  1. You can transfer your existing health policy to a new health insurance provider through health insurance portability.
  1. It offers financial security and keeps you stress-free during inflation.

Conclusion

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.

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Health

Is Hair Transplant Expensive? How Much Does 2000 Grafts Cost?

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Is Hair Transplant Expensive? How Much Does 2000 Grafts Cost?

Every one of us loses hair regularly. Do you know when this hair fall becomes dangerous for you? When hair falls exceed 100 hairs per day, it is when you need to worry. Severe hair loss can cause baldness which disturbs your appearance.

Therefore, hair transplants help you at this point to recover your hair fall. It is a surgical procedure to promote hair growth.

The cost of a hair transplant is what bothers many people. The final price depends on the number of grafts. So, in this article, we will discuss the cost of the procedure as well as how much does 2000 grafts cost. Now its awareness has reached third world countries as well and many people are searching for hair transplant cost in Islamabad, Pakistan.

All about the procedure

A hair transplant procedure is done by a dermatologist. Before the procedure, you will have to consult the doctor and discuss the procedure.

During this meeting, your doctor will examine your scalp and the cause of hair fall. He will observe the hair quality and the health of the hair follicles so that he can consider you a good candidate for the treatment.

Once selected for the treatment, the next step is the number of hair follicles you wish to transport. This is only possible when you discuss with the doctor your desired look. The cost of the procedure will then be finalized.

Types of transplants

Which type of hair transplant is most convenient for you, will be decided by your surgeon after the examination. However, these are the two types of advanced hair transplant procedures:

  • Follicular Unit Transplant (FUT) is a method that involves removing a skin patch from a donor area. The hair follicles are separated from this skin to implant into the bald areas on the scalp.
  • Follicular Unit Extraction (FUE) is a surgical procedure that extracts individual hair follicles from the donor site using a special tool. These hair follicles are then implanted in the affected areas.

Hair Transplantation

  • On the surgery day, the doctor will take you to the procedure room and apply local anesthesia. This will numb the area of treatment and you will feel no pain.
  • The doctor will then perform the surgery and in case of FUT close the donor area with stitches. However, during FUE, stitches will not be required but a few bandages will be enough.
  • After the procedure, you will be allowed to go home.

What factors affect the cost of the treatment? How much does 2000 grafts cost?

The hair transplant costs around $2000-$15000. The FUT procedure is less costly as compared to FUE. The average cost of FUT is between $2000-$4000. On the other hand, FUE, due to its complexity, costs $10,000 onwards.

Sometimes the prices per graft vary, so the total cost also fluctuates. Generally, $2 per graft is the price for FUT. The price for FUE ranges between $3 and $9 per graft, depending upon the factors given below.

The factors that impact the cost of the hair transplant techniques are:

  • The skill of the surgeon influences the cost as an expert in his field costs more than an inexperienced person.
  • The clinical infrastructure also impacts the cost.
  • High-quality equipment will aid in procedure precision. Therefore, technological quality also influences the final cost.

What are the risks included in this hair treatment?

A hair transplant is a surgical procedure that has a few minor side effects associated with it. The potential side effects include:

  • Swelling
  • Pain
  • Inflammation or folliculitis
  • Infection
  • Numbness
  • Itching

Every person reacts in a different way to the treatment, so everyone is not likely to face these side effects.

Moreover, painkillers help a lot in controlling post-surgery pains. Lastly, hair transplant decisions should be made wisely after the consultation with your doctor. Do your research completely and discuss all your fears with the doctor. However, hair transplant procedures are successful and yield life-changing results.

Every one of us loses hair regularly. Do you know when this hair fall becomes dangerous for you? When hair falls exceed 100 hairs per day, it is when you need to worry. Severe hair loss can cause baldness which disturbs your appearance.

Therefore, hair transplants help you at this point to recover your hair fall. It is a surgical procedure to promote hair growth.

The cost of a hair transplant is what bothers many people. The final price depends on the number of grafts. So, in this article, we will discuss the cost of the procedure as well as how much does 2000 grafts cost. Now its awareness has reached third world countries as well and many people are searching for hair transplant cost in Islamabad, Pakistan.

All about the procedure

A hair transplant procedure is done by a dermatologist. Before the procedure, you will have to consult the doctor and discuss the procedure.

During this meeting, your doctor will examine your scalp and the cause of hair fall. He will observe the hair quality and the health of the hair follicles so that he can consider you a good candidate for the treatment.

Once selected for the treatment, the next step is the number of hair follicles you wish to transport. This is only possible when you discuss with the doctor your desired look. The cost of the procedure will then be finalized.

Types of transplants

Which type of hair transplant is most convenient for you, will be decided by your surgeon after the examination. However, these are the two types of advanced hair transplant procedures:

  • Follicular Unit Transplant (FUT) is a method that involves removing a skin patch from a donor area. The hair follicles are separated from this skin to implant into the bald areas on the scalp.
  • Follicular Unit Extraction (FUE) is a surgical procedure that extracts individual hair follicles from the donor site using a special tool. These hair follicles are then implanted in the affected areas.

Hair Transplantation

  • On the surgery day, the doctor will take you to the procedure room and apply local anesthesia. This will numb the area of treatment and you will feel no pain.
  • The doctor will then perform the surgery and in case of FUT close the donor area with stitches. However, during FUE, stitches will not be required but a few bandages will be enough.
  • After the procedure, you will be allowed to go home.

What factors affect the cost of the treatment? How much does 2000 grafts cost?

The hair transplant costs around $2000-$15000. The FUT procedure is less costly as compared to FUE. The average cost of FUT is between $2000-$4000. On the other hand, FUE, due to its complexity, costs $10,000 onwards.

Sometimes the prices per graft vary, so the total cost also fluctuates. Generally, $2 per graft is the price for FUT. The price for FUE ranges between $3 and $9 per graft, depending upon the factors given below.

The factors that impact the cost of the hair transplant techniques are:

  • The skill of the surgeon influences the cost as an expert in his field costs more than an inexperienced person.
  • The clinical infrastructure also impacts the cost.
  • High-quality equipment will aid in procedure precision. Therefore, technological quality also influences the final cost.

What are the risks included in this hair treatment?

A hair transplant is a surgical procedure that has a few minor side effects associated with it. The potential side effects include:

  • Swelling
  • Pain
  • Inflammation or folliculitis
  • Infection
  • Numbness
  • Itching

Every person reacts in a different way to the treatment, so everyone is not likely to face these side effects.

Moreover, painkillers help a lot in controlling post-surgery pains. Lastly, hair transplant decisions should be made wisely after the consultation with your doctor. Do your research completely and discuss all your fears with the doctor. However, hair transplant procedures are successful and yield life-changing results.

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Health

5 Reasons Why One Should Consider Anti-Wrinkle Injections

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Anti-Wrinkle Injections

Ageing is a natural process that cannot be stopped but can certainly be slowed down. The fine lines and wrinkles on the forehead, under eyes and chin, make a person look much older than they are. It could bring down their confidence and prevent them from living happier life. A simple fix to look younger and get rid of the fine lines and wrinkles is anti-wrinkle injections.

Most people who fear needles or injections do not get convinced despite new and improved anti-ageing technology. Instead, they hesitate to try this procedure as they fear things going wrong for them. On the contrary, there are multiple benefits to it which will be explained further in this article, that can complement an individual’s look as they grow older. These injections are safe and tested to make skin look young and beautiful. There is no need to fear something that takes minutes to complete and gives lifetime results.

Why People Should Consider Getting Injections For Their Wrinkles:

The following points will bust many myths people have over the period and explain why every individual must get this treatment done or consider it once in their life. Experts guarantee it will change their perspective on this treatment and will come back for more.

  • No surgery involved: Anti-wrinkle injections are non-surgical, making them ideal for individuals looking for a quick fix to their skin problems. It makes it a low-risk procedure compared to a facelift surgery that takes days and months of healing. These injections are administered in the problem areas of the face while within minutes, the person can go back to having a casual day.
  • Quick results: Elaborate procedures like plastic surgery to fix various face parts can take months to show accurate results. On the flipside, anti-wrinkle injections might bruise the dermis just a bit but start showing results in 2-3 days. Those lines vanish like magic allowing the skin to look fresh and plumper, immediately giving the individual that extra confidence boost they needed in a long time.
  • Painless procedure: People fear the prick of the needle as compared to anything else in the treatment. If it is the one thing stopping them from experiencing something so life-changing such as the anti-wrinkle injections, they can request the experts to apply a topical anaesthetic to help reduce the pain. After applying the numbing agent, the needle is gently inserted into the skin by a trained professional.
  • They are a semi-permanent procedure: This procedure is temporary as the solution injected loses effect over a few months. Most people, women especially, are worried about having the “stone-cold” face look post-procedure. Those are just injection procedures gone bad by people with no experience. Always go to a trusted clinic like The Cosmetic Lounge, for example, to get this treatment done. Therefore, if people want to experiment and try this procedure and see how it suits their skin and face, they can, and if they do not like the results, the effects wear out over time. It is a win-win situation either way!
  • Super-fast recovery: Women who love to wear makeup are worried about not doing the one thing they love, post-procedure. The beauty of these injections is that they heal almost instantaneously or over 2-3 days. As a result, there is no extra downtime for makeup applications. Some experts even recommend wearing makeup right after the procedure as there will be no complications.
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Health

Why Is the Kratom Herb So Popular?

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Are you wondering why the kratom herb is so popular? Not sure exactly what it can do?

These days, kratom is becoming more and more popular and there are a lot of reasons for this. Kratom is a very unique herb that offers those who use it, not only one but several key benefits.

In this article, we’ll take a closer look at kratom and tell you why it is so popular.

How Kratom Works

Kratom is a herb that originates in Southeast Asia and is often taken because of its combination of stimulant and opioid-like effects. Kratom has been used in Southeast Asia for over 150 years.

Kratom leaves contain active compounds which interact with the body in a similar way as opioids. While there are risks to using kratom, unlike opioids, the addictive risks appear to be relatively minimal, even with continual use.

Kratom is often used as a powder and brewed into a tea or mixed into another beverage. Another popular option is to take kratom in capsule form.

If you want to learn more about using kratom, you may want to check out this kratom capsule guide now.

Popular Reasons for Kratom Usage

So what are the main reasons people choose to use kratom? Here are a few of the top uses of kratom that you should know about.

1. Pain Relief

One of the most popular reasons to use kratom is to get pain relief. 

Kratom binds to pain receptors in the central nervous system and around the body and can give relief for all types of pain. This includes pain related to physical injuries as well as pain caused by chronic conditions such as cancer, arthritis, and multiple sclerosis.

2. Improved Mood

Another reason that someone may choose to use kratom is because of its mood-enhancing abilities. Kratom is often used by people who experience anxiety, depression, or other mood disorders.

More research still needs to be done, but many people swear by the effectiveness of kratom to lift mood, reduce the effects of depression, and even relieve social anxiety.

3. Energy Boost

Another potential benefit of kratom that many people swear by is increased energy. 

Certain kratom strains in particular can increase energy levels due to their strong metabolic effects. Kratom will also increase blood circulation as well and can lead to more oxygen being transported around the body. 

4. Increased Focus

In addition to increased energy, kratom can also help improve focus as well. These effects are used by a variety of people to stay focused on important tasks. Many students make use of kratom for studying.

With the combination of increased energy and focus, kratom can be useful for getting more done.

5. Managing Addiction

One of the most significant benefits of kratom is that it can help with opioid addiction. Many people have reported that kratom has helped them manage the symptoms of opioid withdrawal effectively.

The mitragynine and 7-hydroxymitragynine in kratom make this easier on those who are quitting opioids because they interact with opioid receptors. However, kratom doesn’t have the same harmful effects as opioids do. 

Additionally, the other benefits of kratom can also help with withdrawal symptoms such as anxiety, mood swings, and nausea.

Deciding Whether You Should Use the Kratom Herb

If you think that using the kratom herb may be right for you, be sure that you proceed carefully. Make sure that you learn everything you can about the herb before you begin using it regularly.

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