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What are the most important advantages of availing the mediclaim insurance policy?

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What are the most important advantages of availing the mediclaim insurance policy

Medical emergencies always come unannounced to the people and whenever the people do not move with proper planning or taking adequate health coverage then they might end up paying a very massive bill due to the hospitalisation related problems. Hence, because of the increasing cost of healthcare, it is very much important for the people to realise the importance of mediclaim policy because having a comprehensive mediclaim policy is considered to be the best possible way of having the proper shield against the increasing medical cost which could arise because of the hospitalisation.

 These are the best possible ways of ensuring that people will be having comprehensive insurance cover and financial protection in the cases of hospitalisation because of illness or any kind of accident. This particular policy comes with multiple benefits for the people and also has to be renewed by the people to continue the enjoying of benefits of the policy.

 Mediclaim insurance policy is a type of policy that can either be reimbursed for the expenses because of the hospitalisation or people can go with the option of availing the cashless treatment to cover their hospitalisation expenses. Additionally, the premium paid under this particular policy will be exempted under income tax which makes it a very good investment option for the people.

 Following are the most important features and benefits provided by this particular policy which makes it very much popular among the people

  • It will help in providing the people with a complete opportunity of cashless hospitalisation.
  • People can go with the option of opting for such policies for themselves as well as for their family members.
  • It will help in protecting the people from any kind of financial burden.
  • It will help in removing the expenses paid from the pocket
  • The insurance companies will be very much successful in terms of handling the expenses arising out of hospitalisation in such cases.
  • The ease of being associated with online health insurance companies is very much present in such policies.
  • It comes with multiple tax exemptions for the people
  • People can go with the option of availing of cost-effective healthcare services with the help of all these kinds of mediclaim policies.

 Following are the basic points that are covered under the mediclaim policy:

  1. The hospitalisation related costs: This will include all the medical expenses including the hospitalisation of the policyholder as well as beneficiaries of the policy. This will include the expenses related to the diagnostic procedures, blood test, oxygen, x-ray, OT charges and medicines.
  2. The pre-and post-hospitalisation related expenses: Medical expenses which arise before the 30 days of hospitalisation and up to the 60 days of the post-discharge period will also be perfectly covered under the mediclaim policy and further it is the responsibility of the insured people to check out this particular concept at the time of purchasing the policy.
  3. The daycare expenses: All the medical expenses which are arising because of the advanced level medical treatment which do not require the patient to be hospitalised for more than 24 hours are also covered under such policies.
  4. Hospital room expenses: Every cost associated with the regular ward or intensive care unit will also be completely reimbursed through this particular policy or will also be able to provide the people with the cashless facility in the whole process.
  5. Doctor’s fee or medical professional fees: The consultation fees for the medical professional or the doctor’s fee along with different other kinds of fees of nurse and several other professionals will be covered under such policies.

 The insurance companies always calculate the premium of the mediclaim policy based upon different kinds of factors like geographical location, pre-existing medical conditions, age, sum insured, the extent of coverage, number of members which have to be insured and several other related things. However, the final premium which has to be decided by the insurer will always depend on the financial and unique needs of the people and further, the companies also need to move as per the guidelines of the IRDAI so that everything has been perfectly undertaken and insured people can avail multiple advantages from the whole process. Before purchasing any kind of mediclaim policy it is the responsibility of the people to check several aspects associated with the whole process so that they can avail themselves of the unique features very easily. As medical expenses are constantly on the rise, people need to pay proper attention to such things so that people can enjoy financial freedom throughout their life as they will be safe and secure all the time.

 Being clear about the renewability of the policy is another very important aspect to be undertaken by the people and depending upon the companies like Care insurance is a good idea.

HEALTH

Honey Beez Hair Care collection

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Honey Beez Hair Care collection

Honey Beez

Haircare is a vital and hygienic daily routine for both children and ladies. No one wants to go outside with tangled, dry and undesirable hair. Simply by washing your hair doesn’t really mean you are certain you’ve done it right, hair care additionally includes legitimate prepping and ensuring you are utilizing the right hair care products. we likewise realize that. Haircare is significant for our appearance, yet additionally for our general cleanliness. Having sound hair permits us to put our best self forward and guarantee our hair and scalp is solid. Visit a trustworthy Hair Care collection and use quality hair care items to guarantee your hair is just about as solid as could really be expected.

About Honey Beez Hair Care

Healthy hair is basic to the wellbeing and prosperity of the state of your hair, as hair that isn’t kept up with can have divided finishes, tangled, and be incredibly dry, which is neither sound actually, nor useful for your fearlessness. Here is a Honey Beez Hair Care collection site that is detailed explicitly for finished coily, wavy, and textured hair. it is a characteristic hair care framework enhanced with Organic and normal fixings that will saturate and hydrate the hair.

Collections on Honey beez for both kids and Adult

Honey Beez natural hair care was solely created for textured hair. it is a natural hair care system enriched with Organic and natural ingredients that will moisturize and hydrate the hair. Honey beez hair collection deals in two collections including one kid like Honey Beez Bee Sassy Collection for kids from 1yr old to 12 years old. and the Honey Beez Crown Me Collection Adult collection.

CROWN ME ULTRA MOISTURIZING COLLECTION

Pamper and infuse your hair with natural and certified organic ingredients that will leave your hair moisturized and healthy.  This collection caters to all textured hair types for easy to manage healthy hair.

Sassy Collection is ideal for kids

Honey Beez collection is specially formulated with natural and certified organic
ingredients for children with textured hair. Bee Sassy collection boasts extreme
moisture, nourishing curls, kinks, and coils. 
This collection will help resolve issues with improved manageability,
reducing breakage, and adding moisture to the scalp and hair.  Making wash day a breeze!

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HEALTH

Five Medicines That Can Be Prescribed Online

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Five Medicines That Can Be Prescribed Online

Prescribed Online

Seeing a doctor online is one of the great blessings of the internet age. The increase in the availability of telemedicine to a wider range of patients is a boon to anyone who needs to consult with a doctor fast but isn’t able to physically travel to the physician’s location (due to impracticality, disability, timing, inconvenience, or other reasons). The same goes for obtaining or renewing prescription medications. While there are some medications and pharmaceutical products that can’t be prescribed via telemedicine, there are many quite useful medicines that can. It can largely depend on a number of factors, including state laws and the nature of the medication. Here’s a list of five prescriptions you can usually get via a telemedicine consultation with a doctor.

Allergy Medication

Suffering from allergies on a daily or seasonal basis is never an ideal situation for anyone. Staying indoors, getting allergy shots, taking antihistamines, and avoiding your allergens are all effective mitigation methods for allergies. But sometimes, you just need a bit of extra help. After consulting with an online doctor about treating your allergies – whether they’re seasonal or otherwise – the doctor can prescribe any necessary medications to help treat them if they feel it to be necessary. This might include nasal prescriptions (such as Flonase or its generic counterpart) or the prescription-only versions of more powerful antihistamine drugs like Zyrtec, Allegra, Mucinex, or Claritin. An online will never prescribe anything that is a narcotic or controlled substance, and they must be a licensed doctor to prescribe anything at all.

Antibiotics

Antibiotics are one of the most useful and powerful medications of our time. Ostensibly used to kill bacteria and prevent it from spreading, this type of medication is applicable across a wide spectrum of various illnesses. If you have an ear or sinus infection, for example, the doctor may prescribe antibiotics. They’re also quite useful for strep throat, bladder infections, and many other potentially infectious diseases. They won’t work for anything that’s not a bacterial infection, so that cold or flu you might pick up at some point during the winter isn’t going to be affected by antibiotics. Doctors can determine whether you might need an antibiotic or not through telemedicine in a variety of ways. To begin with, you’ll fill out an entire medical survey prior to the appointment so they know exactly where to start with your diagnosis. Then, they’ll ask you a series of precise and targeted questions intended to narrow down your issue and prescribe a treatment. If they determine you have a bacterial infection or otherwise are in need of antibiotics, they will proceed to prescribe them for you. If your doctor determines antibiotics as your treatment following your telemedicine consultation, they can prescribe many different ones including Azithromycin (the good old Z-pack), Amoxicillin, and Cephalexin among others.

Birth Control

Sometimes it is not always easy or accessible to acquire Birth control medications. Telemedicine makes it more accessible to a broader range of patients from the convenience of your own home. To start the process, you need to find a telemedicine provider – most insurance companies have one or more that they recommend, or you can do your own research to find a reputable one – and set up a consultation. After speaking with the provider, they can prescribe. Control to you as well as in phone you at any potential side effects it may have. The doctor will likely need to know medical history, allergies, and several other factors prior to prescribing anything.

Blood Pressure/Hypertension Medication

Hypertension and high blood pressure are significant issues that impact millions of people every day. Treating and management of this condition require a bit more than mere diet and lifestyle changes at times. Often, doctors will prescribe certain medications to help. This extends to online or virtual prescriptions for blood pressure medications. Diuretics, beta-blockers, ACE inhibitors, and more are all used to treat hypertension. Following a consultation with your online doctor, he or she may be able to prescribe certain medications to help you manage your blood pressure and deal with hypertension. It depends on a number of factors including the telemedicine provider you are using, the doctor’s opinion, and your previous medical history.

Asthma Inhalers

Any asthma sufferer can tell you that getting an inhaler or an inhaler refill can be a bit costly and inconvenient at times. Luckily, an online prescription can make that task less challenging as well. As with all of the different medications on this list, you must first consult with the doctor online in order to obtain the prescription. With that in mind, you can actually get a prescription for some inhalers, including Albuterol through an online doctor. Whether it’s a rescue inhaler or one you need to treat chronic asthma, online prescriptions make it easier and more accessible than ever before.

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HEALTH

THE OTHER SIDE OF PRIMUM NON NOCERE

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THE OTHER SIDE OF PRIMUM NON NOCERE

By: Dr.Ashwini M.Madawana , Malaysia

In a recent study, 74% of doctors said they saw burnout in others, and over half said their workload had harmed their mental health (Carpenter, 2019). Doctors commit suicide at twice the rate of the general population. Concerns about accessibility, caseload, patient volume, and litigation have increased medical professionals’ stress levels over the last half-century. Not to mention third-party documentation systems, insurance companies, and their patients’ struggles can be challenging to deal with if they do not perform well. Physicians need more help than ever managing their mental health, but the same stigmas exist in the medical profession. Doctors dread filling out forms that ask if they have a mental illness. It is a system that encourages people to hide their mental health issues due to the risks of being honest. The unspoken assumption between doctors and patients is that patients represent illness, whereas doctors represent health and immortality.

So, how can we assist doctors in breaking free from the shackles of stigma?

Specialist mental health services for doctors, as advocated by the British Medical Association, could be a key to unlocking the oxygen masks for doctors who are suffocated by stigmas. The service runs on a non-profit basis, with fees varying depending on the doctor’s grade and circumstances. A health practitioner support group, such as the NHS Practitioner Health, founded in 2008, helps doctors and dentists struggling with mental health or addiction issues significantly if they are interfering with their work. It is a self-referral service. It is provided to health professionals by health professionals who specialize in mental health support. Some of the few helplines that provide face-to-face counseling, a listening ear, or peer support groups for Doctors are Health for Health Professionals Wales, BMA Wellbeing Support Services, Psychiatrists’ Support Service, and RCS Surgeon to Surgeon. Occupational Health Practitioners, for example, can be helpful and help in allowing a doctor to be patient by being their patient as they create a trustable relationship together.

It is becoming increasingly clear that doctors do not make suitable patients and may require ‘permission’ to be ill, particularly mental health issues. Doctors are not equipped with an immunity shield to fight mental illness; in fact, doctors have higher rates of depression and anxiety than the general population, and female doctors, in particular, have significantly higher suicide rates than the general population. Doctors are advised to “put patients first,” which means acknowledging situations in which they cannot provide the level of care they require, such as exhaustion or illness. Instead, Doctors should be mindful of their health and how it may affect the patients. They should “act without delay” if they suspect they or a colleague endanger patients’ safety. In most cases, this means telling them to take a break, leave the office, and seek help.

Doctors are a valuable and costly resource for society, and their absence due to preventable illness is a waste to the health service, a loss to patients, a strain on colleagues, and a disruption to individual careers. Avoidable causes of illness in the system doctors work must be addressed, and doctors must have timely access to confidential assistance. Perhaps it is time, to be honest with patients and accept that being a good and safe doctor means letting go of the exclusive and somewhat idealized medical role that requires us to serve patients come rain or shine. Instead, we should take a more mature role that includes self-care and balancing the needs of doctors with the demands of patients. When caring for caregivers, I believe employers and policymakers should take a Primum Non Nocere approach.

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