Importance Of Medical Tests Before Buying Medical Insurance

health13

A commonplace advertisement from insurance companies is ‘no medical tests required to purchase an insurance policy’. People are attracted to the convenience of no-test policy compared to the one that requires all medical tests. But is it really right to purchase a policy without knowing your health condition?

Every individual going to buy an insurance policy whether health or life insurance needs to undergo medical tests as prescribed and should be aware of his health condition. This article discusses the importance and reasons for getting an insurance policy after taking medical tests appropriately.

Premiums are based on health condition
The premiums of an insurance policy (health or life) are charged based on the individual’s health condition. You need to make a declaration about your health condition in policy application form and the insurer fixes a premium rate on the basis of your discloser.

For understanding this clearly, lets take an example of two persons. Of them, one has high sugar levels and the other person has normal sugar levels. If both take insurance policy from a company that does not require medical tests then both will be charged same premium. But in reality, the premiums for normal persons should be less than the premiums of others with health issues.

The policies that require no-medical tests are:

Low value policies: Policies that do not consider health tests offer cover not more than Rs 5 lakh. So, if you are looking for a higher cover, that serves your life/health insurance needs, then you should take pure protection policy that requires you to undergo medical tests.

Prone to rejection easily: In most cases, the person who is taking insurance without a medical test may not be aware of his/her health condition. S/He may suffer from an illness and may not know about it till a medical test is conducted. In such a case, an insurer can reject the claim as these policies contain suppressed facts of your health condition with no proper underwriting. So, these kind of unintentional mistakes may simply deprive insurance cover even for those paying huge premiums.

Cover may be inadequate: If you get policies that require no medical tests, then you will also get the policy that has no appropriate insurance cover. It is like getting insured, but having no adequate insurance protection.

It is the actual responsibility of insurance company to determine the health condition of an insurance buyer. An insurance company simply cannot deny the claim as it is its responsibility to subject the policyholder to medical tests and then fix the premium.

Thus, a detailed medical examination that requires blood and urinalysis related tests, blood sugar, ECG, blood count, blood pressure, blood serum tests etc. will benefit you manifold. It provides your health condition report which tells you how fit you are. If you are suffering from any illness, get it cured before it ruins your health. Get complete medical record of your health before buying insurance policy.

A Healthy Lifestyle Leads To A Happier Life

images2

For almost all of us, there are two major wants in our life to be happy and to be in good health; but these two things need not be separate from each other – they both influence each other. Recent research has shown that happier people often tend to be healthier too.

In a recent study, subjects were exposed to a cold virus to monitor the effects and results showed that those that were happier actually avoided the illness. This is obviously not to say that if you just keep a positive outlook, you will be immune from all disease, but it keeps the immune system up and may also just trick you into feeling better, so you wont even experience the symptoms.

The same works the other way too healthier people tend to be happier. This may seem like a given, but it is scientific fact that people who regularly exercise and eat well tend to be happier this is due to increased energy, better nutrition and often, simply down to body image. How we see ourselves can affect our moods greatly the guilt after eating a particularly fatty food can remain for many people and actually lead to a degree of depression.

Happiness also seems to lead to a longer life, assuming you are healthy of course; so really, the two work well in tandem. So, how can you keep healthier and happier?

Feeling healthier can be as simple as changing your diet and exercise routines simply walk to work instead or set up an exercise regime to improve your fitness levels. In terms of foods, ensure that you are eating the right type to suit the season salads and fruits are best for the summer, whilst vegetables, soups and hearty foods are perfect for colder climates. Whilst chocolate and other junk food need not be completely cut out, it should certainly be cut down on everything in moderation.

Happiness is a bit harder to achieve as it is often out of our control, but there are a number of ways to aid you on your way to feeling happier it can be anything from a change of job (if youre feeling dissatisfied) to a vacation abroad or even practiced through meditation. Obviously, many will struggle to simply feel happy, and if you really cannot see yourself feeling this way, it would certainly help to speak to someone about it.

Us Showing Dynamic Research And Development For Gene Therapy

images8

According to a new research report by RNCOS entitled, Global Gene Therapy Market Analysis, globally various geographies are growing in their gene therapy applications out of which US is showing dynamic research and development activity. The FDA too is actively involved in overseeing this activity and has received many requests from medical researchers and manufacturers to study gene therapy and develop gene therapy products. The number of gene therapy based trials done in US till date rank over 1000 which is very promising to the industrys growth and innovation. Several companies in US have also been actively found to enter into strategic co-operation to facilitate gene therapy research in the country.

With the entry of new gene therapy products such as Glybera, this biotech niche is expected to capture major market attention. According to latest report by RNCOS, Global Gene Therapy Market Analysis, the gene therapy advanced stage trial products such as Collategene, Allovectin-7 and Generx are very promising to the industrys growth. The number of clinical trials initiated each year has grown drastically from 1989 onwards till recently where there was only 1 trial in 1989 with little knowledge of gene therapy to 94 trials in 2012.

The report is spread in over 105 pages and provides an in-depth research and rational analysis of the global gene therapy market. A brief overview of the key geographies in the gene therapy segment and the regulatory scenario governing the industry has also been included in the study to present a balanced outlook. The report covers how major trends and drivers, including gene silencing, advanced therapies etc will propel the industrys growth. With a view to understand the competitive landscape, the profiles of key market players are included in the report to present a complete picture of the global gene therapy market.

For FREE SAMPLE of this report visit:

Some of our Related Reports are:

– Interferon Market Forecast to 2015 ()
– Insulin Market Forecast to 2015 ()
– Human Growth Hormone Market Forecast to 2015 ()
– Erythropoietin Market Forecast to 2015 ()
– Global Biotech API Market Analysis ()

Check Related REPORTS on:

About RNCOS

RNCOS specializes in Industry intelligence and creative solutions for contemporary business segments. Our professionals analyze the industry and its various components, with a comprehensive study of the changing market behavior. Our accuracy and data precision proves beneficial in terms of pricing and time management that assist the intending consultants in meeting their objectives in a cost-effective and timely manner.

Why The Popularity Of The Eye Vitamins Has Increased

images13

Since so many people develop eye problems because of the too long hours spent in front of the computer screen, the popularity of the eye vitamins has increased a lot over the last decade. Taking eye vitamins is presently considered a remarkable way of staying healthy for a longer period of time, protecting our sight from the radiations we come into contact with. Though a balanced diet is essential to the proper body functioning, sometimes it may not be enough to meet all the requirements for healthy eye sight. Eye vitamins are over the counter products that can be purchased from any drug store, and they are usually a combination of vitamins A, C, E and lutein.

Minerals and the B2 vitamin are also part of the supplements that carry the name of eye vitamins; their main action is antioxidant, meaning that they prevent the accelerated decay of the retina and the lens tissues. Even if there are hundreds of brands that sell eye vitamins, it is definitely good to follow some very critical selection criteria before buying a product. You may actually ask for the advice of your health care provider to learn what the proper dosage of eye vitamins should be used to match your health condition.

Eye vitamins usually prevent or slow down the degeneration process of the macula. Vitamin E is most often associated with incredible successes reputed in the fight against sight problems. Moreover, studies conducted on thousands of patients have also revealed that zinc is also an important mineral in the limitation of the vision loss disorders that are so common in our times. Many of the eye vitamins we take as supplements should come from a normal diet; this means that someone who has a correct fruit and vegetable intake would be less exposed to eye health problems.

Carotenoids or the unprocessed forms of vitamin A are present in carrots, oranges and all colored fruits and vegetables; hence, one may very well support the administration of eye vitamins with enough salads and fresh juices that contribute to the maintenance of the vision integrity. Given the fact that antioxidants are the supplements usually prescribed for eye problems, most doctors have come to refer to these products as eye vitamins. Nevertheless, even if highly positive in action in case of vitamin deficiencies, supplements can also lead to overdosing, which may prove just as dangerous as lack of nutrients.

Muna wa Wanjiru Has Been Researching and Reporting on Vitamins for Years. For More Information on Eye vitamins, Visit His Site at EYE VITAMINSI Will Also Highly Appreciate Your Views On Eye vitamins At My Blog here Eye Vitamins

What are the best meditation cd’s for guided meditation

health6

Learning how to meditate using guided meditation cd’s is an option that appeals to many meditation beginners. The question is most often asked “What are the best meditation cd’s for guided meditation?” Many meditation cd’s explore a number of different guided meditation and relaxation techniques for many goals. Fortunately, the best meditation cd’s for guided meditation are readily available to the beginning meditation practitioner and very advanced technology to teach beginners how to meditate.

Learning how to meditate can improve and create a unique ability of internal observation. This ability to be an internal observer will help you notice certain body reactions such as tenseness and clenching of your jaw when you feel anxiety and stress. Once this behavior has been observed, and you’ve determined that it is not desirable, you can release the tension.

Let’s explore a few of what are widely recognized as some of the best meditation cd’s for guided meditation for beginners.

Monroe’s Hemi-Sync Gateway Experience Waves

Hemi-sync Meditation CD’s are a popular series of audible guided meditation aids for the beginning practitioner. There is a small field of meditation technology to show you what meditation feels like. Many people agree that in just a short time, levels of success can be achieved with meditation that would typically take months.

The term hemisync simply means hemispheric synchronization. Within this process your brainwaves are synched allowing you to enter a whole brain wave state. There have been many reputable studies published that have proven this is an optimal ‘way of being’ for your brain. The Hemi-sync Gateway Waves are widely considered one of the best meditation cd’s aimed toward beginners.

Experience Meditation Today

This series of cds take a somewhat different approach than others using a calm, passive way to learn how to meditate. The process they use is called hemispheric synchronization that helps both sides of the brain synchronize with the other. The music these cd’s play create relaxing white noise, and in the background you hear calming tones that are heard by the brain. Those tones or hums then create a third tone that naturally guides you to a meditative state. They are considered amongst the best meditation cd’s for guided meditation along with the Hemi-Sync Gateway Waves.

Finding The Best Skin Care Clinic In India

health3

Going to a skin care specialist is always the best remedy if you want to get precise guidance and strategy to your skin problems.

There is always the propensity for some people to basically ask for the viewpoint of their buddies when they have epidermis issues. Other than that, there are those who basically turn to the internet in their efforts to find appropriate solutions.

Although both of these can be beneficial at times, nothing still surpasses the advantages of going to a epidermis medical center. Skin good care experts can quickly recognize the actual problem that you have and thus, the right drugs or therapy can be instantly given. Which indicates you will be on your way to treatment if you take this route instead. Besides, good therapy centers remain modified with the newest techniques and technological innovation to make sure that they can offer top quality support for their sufferers.

Before dropping by a local clinic, it is strongly suggested that you do some analysis first. Try studying about the solutions they offer and you will have better possibilities of discovering a medical center that really suits your needs. Check forward if they are providing contemporary therapies and if they are using the most advanced technological innovation. For example, therapy centers with CO2 laser device ablation, laser device therapy, Botox treatment and Thermage are outstanding. This analysis can actually be done over the internet. Most clinics now have official websites and have published information about their solutions and devices. You will be able to get keep of information about the solutions of epidermis medical center by verifying their website.

Also, try getting as much information as you can about the clinic’s reputation. Are previous customers pleased with their service? Are there any problems registered against them? Responding to these a quick question will help you recognize the best therapy centers in your area.

Now that you already have a particular service in mind, your next step is to contact them and to consult. Explain your scenario thoroughly. For the most part, they will be able to suggest any necessary therapies or medication. You will also get an introduction to how much you will need to spend.

You may also make a price comparison and solutions until you get the best offers. There are always a lot of choices out there and all you have to do is go with what seems right. You may also ask buddies for suggestions in case they have acquired of such solutions in previous times.

For more details about skin grafting centre in chennai. Click Here!

Integrated Hospital Complex — A New Concept In Medical Tourism

health15

One of the things I worry about when a foreign patient comes to town is accommodation.
Singapore offers a wide variety of accommodation types to suit different budgets, needs and preferences. These range from budget and boutique hotels, to 6 stars hotels and fully furnished serviced apartments in good locations.
Despite these choices, it is sometimes a challenge to find the right combination that pleases a fussy patient.

However this problem may be alleviated when a new integrated hospital complex is scheduled for completion towards the end of 2010.
This 19 storey Mediplex comprises a medical centre with specialist suites, hospital, and a hotel. This concept is believed to be the first in Asia and the objective is to capture a big slice of the estimated S$100 billion medical tourism market.

The medical centre has 189 consultation suites to house a wide spectrum of medical specialists. The hospital next door has 11 operating theatres, three day surgery units with 60 attached beds, an intensive care unit with 23 beds, radiotherapy unit, clinical laboratories and a full-service pharmacy.

Connected to the hospital is the hotel and guests have a choice of standard hotel rooms, serviced apartments and villas. All accommodations feature large bathrooms with rain showers, bay windows presenting floor to ceiling view.
The hotel is designed to offer a lush tropical garden ambience, with large spas, gymnasiums, six pools, ballroom, banquet hall, seminar and conference rooms, and a floor dedicated to retail food and beverage outlets.

A patient can check into the hotel in the morning and walks over to the medical centre to consult the doctor. Then he goes for lunch in one of the many restaurants and proceeds to do some investigative tests in the afternoon. He returns to the hotel a few steps away, does some window shopping in the evening after which he has the pleasure of a good massage in the spa. The next day he goes to the hospital next door for surgery and returns to the hotel to recuperate. All these activities are done in the same medical complex without leaving the building.

Family members and companions can stay in the same hotel, and enjoy the comfort and convenience of world-class facilities and at the same time provide emotional and physical support to the patient. This is healthcare and wellness at its best.

I am eagerly looking forward to the pleasure of showing this new integrated medical complex to my next patient.

Indianapolis Migraine Treatment-Envisaging Medical Precedents

images9

Medical treatments can be as varied as medical tools. Tools and treatments form a mutually exclusive entity in this domain. Migraines are chronic headache ailments which can potentially deter you from leading a peaceful or normal life. The Indianapolis migraine treatment entails a plethora of presaging medical analysis before hitting the penultimate treatment zone. Medical observations as well as cross-examinations form an important aspect of this part. Comprehending the ambit of neurology, the diagnosis thrives on a detailed assessment of symptoms. A migraine doctor can perform diagnostic tests to ascertain/determine the primary cause of your headache.

How things work in this sphere?

The contextual tests entail Head MRI scan, CT scan, sinus x-rays as well as lumbar puncture. The migraine treatment in the context can also include a temporal/transient artery biopsy depending on definite medical conditions. CT scan integrates an imaging mechanism (computed tomography), which is certainly more sensitive when compared to x-rays. The technician can see both soft tissues as well as bones clearly with the help of this technology. This cohesive technique provides vivid images of the veins, brain, arteries as well as hemorrhages. It also unveils tumors with or without any injection of allocated or contrasting dye.

The MRI scan technology is another ground breaking venture in the field of neurological science. MRI means magnetic resonance imaging. This is a comparatively newer technology which elucidates images inside the body sans any use of x-rays or auxiliary forms of ionizing radiation. This MRI scan is really capable of entailing fine details of various tissues present in the human body. With modern precedents enumerating and enlivening the ambit of neurological treatment, MRI is speedily increasing in the face of reduction of standard x-ray usage. Besides this superlative diagnostic procedure, you also have conventional x-ray modules. The electromagnetic radiation can penetrate your body to effectuate an image on specific film.

Functional feasibility

Despite all the dynamic medical advancements, many patients passively endure the migraine agony. The primary reason is that they wrongly think that they can do little to stop this plight. To make matters worse, some patients unwittingly accentuate/aggravate their condition by consuming different prescription and over-the-counter pain relievers. These constitute heavy caffeine. The indianapolis migraine treatment helps you comprehensively in this regard. The trained surgeons give productive non-drug strategies too. These are stress reduction techniques, exercises as well as effective relaxation methods. Since life is not merely about existing but living as well, you can’t afford to neglect any medical issue. Being self-taught doctors is not safe and the cohesive indianapolis migraine treatment shows you why.

Reading the reviews provided by the author is one of the best ways to gain necessary information on indianapolis tinnitus treatment.

Shifting Hospital Buying Criteria Are Transforming Medical Device Sales Strategies

images8

Working as an executive coach and strategy consultant within the healthcare marketplace provides a unique perspective. Over the past couple of years Ive found myself engaged in projects with global, multi-billion dollar medical device corporations, leading teaching hospitals, information technology leaders, investor-driven start-ups, and regional hospital systems. It has delivered an interesting vantage point to witness the foreshadowing healthcare reform has donned across the landscape. While many of the changes are still yet to come, the impetus of change is already rippling through the sector.

Having the opportunity to see things unfold from both sides of the medical device/hospital, producer/consumer relationship does not go unappreciated. It is a privileged overlook that reveals not only the drivers behind a rapidly changing marketplace, but the initiatives both sides of this symbiotic relationship are scrambling to implement.

Two major shifts are occurring, one leading inevitably to the other. First, hospitals are moving towards evidence-based care. I know this may sound a bit odd and disconcerting to the lay person (i.e. patient) who looks towards medicine and the practice of it as science. Is not science always evidence-based? Well yes, of course it is, in the laboratory or clinical trial. But clinical medicine is delivered through a practice. While we all trust that surgeons and physicians are guided and steeped in the science of medicine, we must also appreciate that once theyre in practice medicine continues to evolve scientifically and technologically.

Medical science does not stand still. The nearly $30 billion in annual, research tax dollars invested by the National Institutes of Health is pushing the envelope forward at an ever-accelerating pace. And this figure doesnt include the private research and development dollars of biopharmaceutical and medical device companies. In fact, it has recently been projected that humankinds scientific knowledge is doubling every five years. How many peer-reviewed, clinical studies can we expect even the finest surgeons and medical practitioners to read every year? Surgeons and physicians do the best they can to keep pace with the state of the science, but traditionally, they practice medicine within a relatively small community of peers, institutions, and colleagues. The practice of clinical medicine, unlike many other technologically-driven industries, has been fragmented. All of the critical-to-quality variables that have been captured, analyzed, and applied in aeronautics, electronics, software, automotive engineering, pharmaceutical manufacturing, even the frying of the perfect fast-food french fry have been unattainable in clinical medicine. Until now.

The federal requirements for automating patient records is unleashing a new age in medicine. And patient records are just the beginning. The application of informatics, the ability to capture large, statistically significant pools of clinical data regarding demographics, genetics, presenting conditions, treatments, surgical procedures, peri-operative care, and patient outcomes is driving a seismic shift in how medicine will be practiced in the future. It is probably the last frontier, the last industry to benefit from transposing raw data into cogent information that will dramatically effect quality, costs, and the standardization of processes to optimize both of these factors simultaneously.

Medanta A Leading Heart Hospital In Gurgaon Serving Ncr

images6

Although there are numerous heart hospital in Delhi & NCR, but one always look for best heart transplant in India. As it is a very complex surgical procedure, the quality of treatment should be of extreme importance. The kind of treatment is of much importance as compared to the name of the hospital.

Medanta is a leading heart hospital in Gurgaon serving people all across India. People come from every part of the India and even abroad to get the best heart treatment possible. The Medanta heart institute projects at diminishing the shocking rise in the number of cardiovascular diseases through innovative programs in patient care. The doctors, nurses, technicians, and heart experts bring the pledge of ultimate excellence in patient care, education and research. Moreover, the Medanta Heart Institute is patient-focused, academic department whose aim is to serve the patient and lead the science through education and research.

When it comes to the best heart transplant in India, most of the people come to Medanta due to its excellence if providing extra ordinary medical care services in India. The doctors perform cardiac surgery using innovative technology including Hybrid Operating Suit, Robotic Heart Surgery, Minimally Invasive Valve and Coronary Heart Bypass techniques.

This heart hospital in Gurgaon employs the most latest Hybrid Operating Suit which is one of its kind in this part of the world, houses all the equipment and monitoring devices required to perform complex valve surgeries. It captures a before and after picture of the procedure that will catch the rare but very important technical error.

The division of Cardiology at the Medanta heart hospital in Gurgaon is determined to provide compassionate, state of the art, ultimate care to heart patients at an affordable cost. Today, performing a heart transplant in India is no more a big deal with the kind of equipments and technicians on board.