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Health insurance is not an option anymore. It has become a must-have thing.
The government takes regular initiatives to encourage people to have health insurance by introducing welfare schemes, the latest being the Ayushman Bharat Yojana (ABY)in 2018. Under this plan, the central government will be providing health insurance with a cover of Rs. 5 lakh annually to 50 crore people of the country. However, this scheme is specially for low income groups.
The average middle class who can afford to buy insurance must have a health plan because you don’t want to end up yourself in financial burden in case of medical emergencies. And what’s better option than a comprehensive health insurance plan?
How to get a pocket-friendly right health plan?
You can take advantage of online services offered by the insurance companies and insurance aggregator portals like RenewBuy, OneInsure, Probus Insurance, Policybazaar, and others to find the right plan.
Get a health insurance plan online
But, first, you need to answer these questions:
- Whether you want to buy a Health plan for an Individual or family
- How much coverage you want in a plan
Once you have answered these basic questions, you can visit either the official website of insurance companies or insurance aggregators like PolicyBoss, RenewBuy, Probus Insurance, Turtlemint, Ask Arvi, etc.
If you want to take real advantage of online services and explore a plethora of health plans offered by various insurance companies, visit the website of any of the insurance aggregator like Probus Insurance and compare health plans.
Compare health insurance plans online
Comparing health insurance is easy and totally free of cost. You get to see various health insurance plans and premium quotes provided by top-notch health insurers in India.
Despite the convenience, finding the right health insurance plan is not easy. There are a few deciding factors, which you should keep in before you finalise a plan.
Points to keep in mind when comparing health plans
A) Health plan coverage
Check what it covers, inclusions, type of treatments, cost of hospitalisation, etc. You need to find out what each health insurance plan includes.
Check for the medical expenses covered for:
- In-patient hospitalization
These are a few of the basic coverages a health plan covers. However, each insurance company may offer different coverage scheme. So, you must compare each plan coverage.
B) Compare room rent
A room rent decides the amount you will get at the time of claim in case of medical emergencies. All the expenses for medical treatments are based on the room rent. Check if there is a cap on room rent limit.
C) Check for a waiting period
A waiting period implies a duration up to which you have to wait before a claim is accepted. This is not applicable under emergency hospitalisation. Generally, a plan will have a waiting period of 30 days. However, for pre-existing diseases, it differs. It is essential to check the waiting period.
Check the exclusions, as mentioned in each of the plans in insurance policies. It is better to know the exclusions before purchasing.
Premium is the amount one pays to keep a health insurance plan in force. A cheap plan does not mean a bad plan. And a higher premium does not guarantee you a better service.
Look for a pocket-friendly plan, but also check the claim settlement ratio to know the post-sales and support provided by the insurance company.
F) Claim Incurred Ratio
Check incurred settlement ratio of each health insurer you have shortlisted. It can act as a critical factor before you buy a plan. Because you want that insurance company to support you when needed.
Other factors you can also check for is Network Hospitals, Sub-limits, Co-pay, etc.
Finding the best health insurance plan is not an easy task. But comparing health plans online on web-portals like Policybazaar, Probus Insurance, ETInsure, make things simple and convenient. With the help of a few guide pointers as discussed above and comparing health plans, you can get the right health insurance plan online with no hassle.
Author: Sumit Asrani
Sumit Asrani is a Mumbai based writer. His blood cells are woven with Hypergraphia, as he breathes in books, he exhales words and sneezes poetry on Instagram. Captivated by the web-of-words, he’s trying to escape miraculously by weaving words on insurance space, digital marketing, and creativity.
There will be no chief guest at the Republic Day parade this year also as the plan to host state heads of five Central Asian countries -- Kazakhstan, Kyrgyzstan, Tajikistan, Turkmenistan and Uzbekistan -- seems to have been cancelled due to the Covid situation in India as well as in the respective nations. Though the Ministry of External Affairs is yet to confirm this officially.
If the guests arrive, then this would be the second time when India hosts a group of state heads as the chief guests on the Republic Day. In 2018, state heads of ASEAN countries graced the occasion with their presence. Apart from Kazakhstan, none of these countries' state heads had been invited as the chief guests on the Republic Day. In 2009, Kazakhstan's then president Nursultan Nazarbayev was the Chief Guest.
The Government of India is in no mood to take any risk to invite any foreign guest. Mitul Gajera / Unsplash
As per sources, due to the corona situation, the Government of India is in no mood to take any risk to invite any foreign guest, so the plan seems to have been cancelled. Last year, British Prime minister Boris Johnson was invited for the same, but later cancelled due to rising corona cases in the UK.
In the past, there have been occasions when the Republic Day ceremony was celebrated without any foreign guest. In 1966, there was no foreign chief guest in the Republic Day parade ceremony as the then Prime Minister Lal Bahadur Shastri had passed away in Tashkent in January, and Indira Gandhi took oath as Prime Minister on January 24. (IANS/SP)
(Keywords : chief, guest, Republic Day, parade, India, January, pandemic, 2022, host, nation, guest, invite, foreign, occasion, presence, celebrate.)
A team of scientists from the Banaras Hindu University (BHU) have found a cure for those suffering from chronic wounds, particularly with diabetic foot ulcers. The team led by Prof Gopal Nath of the department of Microbiology, Institute of Medical Sciences, said that wounds that took months and years to heal, could now be cured in days or months. The findings of study have been published in the National Centre for Biotechnology Information, National Institutes of Health, US.
Prof Nath said that a wound is defined as a breach in the skin or body tissues due to injury. An acute wound is defined as a "recent break that is yet to progress through sequential stages of healing". The wounds where normal healing process is stalled due to underlying pathology (vascular and diabetes) or infection beyond three months is defined as chronic wound. While chronic wounds always get infected, the contaminated wounds are reasonably susceptible to infection.
A significant improvement could be achieved in the form of complete wound epithelization within a few weeks.Towfiqu barbhuiya / Unsplash
Infection with antibiotic-resistant bacteria and biofilm formation halt healing progress. These wounds cause significant psychological and physical morbidity. The traditional treatment strategies often succeed in healing wounds, he said adding that many wounds have been observed recalcitrant to them, leading to persistence and recurrent infections. Search for alternatives to antibiotics has now become a compulsion. Fortunately, bacteriophage therapy is a re-emerging solution to antibiotic-resistant bacteria.
Prof Nath's team carried out phage therapy of acute and chronic infected wounds in animals and clinical studies. It showed efficacy against Pseudomonas aeruginosa in a mice wound model. Furthermore, they evaluated the efficacy of phage cocktails in animal models' acute and chronic osteomyelitis caused by methicillin-resistant Staphylococcus aureus. They also observed biofilm eradication from K wire in rabbits' wound infection model. Clinical trials of phage therapy initiated by the BHU have reported the efficacy of topical phage in healing chronic wounds in three prospective exploratory studies and no adverse events mimicking the results in vivo animal models.
Scientists have found a cure for those suffering from diabetic foot ulcers. Unsplash
A clinical study by Gupta demonstrated the significant role of bacteriophage therapy in the chronic wounds associated with antibiotic-resistant bacteria. The study employed a total of twenty patients with chronic non-healing ulcers for more than six weeks duration. A significant improvement could be achieved in the form of complete wound epithelization within a few weeks. Another study, employing 48 patients having a minimum of one eligible full-thickness wound that did not heal in six weeks with convention wound management, showed the promising result, and significant improvement was observed in the wound healing.
The study projected that specific phage therapy is equally effective regardless of the diabetic or non-diabetic status of the patient though the healing was relatively delayed in diabetic patients. Another successful study has shown encouraging results on healing process of infected acute traumatic wounds. The average number of days required for complete granulation of wounds and attaining sterility and healing was half compared to conventional therapy. (IANS/SP)
(Keywords : scientists, cure, chronic, wound, suffer, ulcer, diabetes, healing, pathology, health, infection, bacteria, study, patient, therapy, successful.)
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By Anna Melnikova
The Indian cricket lovers have been waiting for a ton from Virat Kohli for a long time, and he finally has made it. However, not in the batting as most fans expect, but in catching balls.
The second day of the 3rd Test in Capetown between local Proteas and the Men in Blue was rich for interesting occasions. Thus, South Africa was waiting for a good scoring result after stopping all Indian batters on the first day. Their opponents, however, have been looking for nice bowling not to lose the game just in the first innings. And while Bumrah added five wickets to his score, one of the dismissals should go to Virat Kohli. By the way, if you want more cricket news in India, we recommend subscribing to the specified site using the link.
Also Read : Acts of good sportsmanship
The legendary captain was great in batting but now can not score a ton for more than two years. But the three-digit result came from another side, where he is also quite successful. And while most of his catches came from opponents' misses, he proved he can be effective in the outfield parts of the pitch. According to experts, Kohli has a unique ability to be energetic on the pitch and still be concentrated for long shots by opponents, which rarely come in Test format.
Kohli has a unique ability to be energetic on the pitch. Unsplash
Even a legendary Gavaskar, who was the first Indian with such a result, praised the ability of the recent captain to catch. He admitted the ability to grab slipping balls, which are hard to cope with. Interestingly, Virat became only the sixth Indian to achieve a milestone in this component in the Test format. Kohli needed 99 games to find the needed number, although he is focused on making the 28th century first of all.
Another three-digit achievement can happen just today. He opened the 3rd day of the Test in Capetown along with Pujara and stayed alive at the moment of writing this article. If you are fond of sports betting, we recommend that you go to the rating of sports betting sites in India and choose a reliable bookmaker.
(Disclaimer: This is a sponsored article and includes some commercial links.)
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