Get subscribed to our newsletter
Get interesting updates to your email inbox.
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.
When it comes to our day-to-day life, there are several things which help us enhance our day with every step. One such thing is music. It enhances, motivates and boosts certain aspects of our personality in ways that may not come into notice. There have been several researches on how music affects human brain. Studies show it helps us in recovery and healing, and also, encouraging us to be better if exposed to the right kind and fit.
From kids to elderly, music as a commodity, can be consumed by all. It is the universal language that is spoken by each and every being, from animals to humans to plants, each respond to it in their own ways. Suffice to say, we are united by music and the effect it has over us. Plants, for example, grow better when exposed to good music. Many songs are being composed specifically to enhance and boost their growth. Same is the case for humans. For humans, the right kind of music can boost good health, physically as well as mentally. You might have noticed how in gyms, upbeat music is played. That is to channel energy into everyone present. It adds to the workout. Several researches around the world have shown better physical output when exposed to appropriate music. Fast paced songs with upbeat nature channeled speed and the slower ones slowed downs the listeners, without them noticing. The sub-conscious effects of music are continuously being studied.
Follow NewsGram on Instagram to keep yourself updated.
Our heart starts beating according to the music we are listening to.Unsplash
Listening to upbeat or happy music also reduces stress and pressure from our minds. Many people become relaxed while listening to calming music. This is why calming sounds are used during a yoga session. Classical music seems to have the same calming and soothing effect. Furthermore, classical music has much more advantages over metal or techno music, it has proven to enhance learning and improve sleep in its listeners. A study was conducted in which participants were divided in groups where one group was exposed to classical music, another to metal and last one was supervised without any music. The group exposed to classical music showed healthier sleeping pattern than the rest.
Also Read: Undiscovered Music Trends For Indian Music
Several brands and outlets encash on different characteristics of music. Calm and soothing music is used in spas to help customer relax. It is a known fact that our heart starts beating according to the music we are listening to. So, music with faster beats will have our heart beating faster and the slow one will have calmer effect. This is why slow music channels calm. And the same fact has led to faster and upbeat music being played in food outlets. A study conducted in a farm, where people were invited to have food, where one half was exposed to slower music and for other fast-paced music was played. Not only did the group exposed to fast-music ate faster but also ate more than the group who ate in slower one. Next time you are in a food outlet or a restaurant observe the kind of music they are playing and the eating pattern.
Music can even be a facilitator of communication. We can sometimes convey our thoughts through the medium of a song. Sometimes someone’s words justify our inner feelings better than us. Or sometimes a song brings back certain memory or a place, and takes us to that certain moment. To say music is a time-machine would not be wrong. It is a dynamic blessing that can be used throughout our lives.
Key Words: Music, Calm, Soothing, Effects of Music
As more and more people are acknowledging the importance of their mental well-being, the wave of awareness the acknowledgment has brought is unprecedented. It may not have paved a clear path towards complete healing but it certainly has shown the way. The awareness is the key to heal. Healing begins only after the problem is identified. Similar to physical illness, the identification of the problem area is the first step. Even in case of a minor wound, when we go to the hospital the nurse first locates the wound. They, then, ask how we got hurt and identify the nature of the wound. Only then, they clean, put ointment and wrap it up if it needs wrapping and protection from air and dust. Sometimes, that protection is not needed. The wound heals out in the open. Same goes when it comes to healing of a mental trauma or illness. Sometimes, we confine in professionals or our loved ones, in order to let it out and process it openly. Sometimes, the trauma reduces with time. In any way, being aware and vigilant is the way to go.
Being knowledgeable about life in general, opens many channels for you. Being knowledgeable about yourself, opens gates inside you that lead to spiritual and general awareness about the concept of self. And the inner awareness is not necessarily internal, it can be seen from the outside as well. When we have positive energy from within it radiates physically as well. Have you encountered someone who’s spiritually awakened and aware? Do they stand out in the crowd? There are prominent examples of people who have made their mark in history, there is Swami Vivekanada, his awakening has revolutionised generations, one live example we can witness is The Dalai Lama.
Follow NewsGram on Twitter to stay updated about the World news.
Healing is part of the spiritual journey.Unsplash
Also Read: Follow These Tips For a Better Mental Health
Awareness is the first step towards the staircase of spirituality. Healing is part of that journey. In our world, we go by our lives without paying much attention to causes of our actions. Every little thing we do, we do it for a reason. We might be suffering without being aware of it. There might be certain actions which are screaming those are trauma-response and not really us. But we go by our days, without paying heed to the fact that it really is the small actions that carry weightage in our lives. When we become attentive and thoughtful with what we do, we introspect, and then act. Thoughtless actions do not bear much fruit anyway. Thoughtfulness not only benefits us personally, but makes world a better place to live in. It really is the need of the hour to introspect every little doing and if it does not fit with the idea of self, then, it is time to find the root cause of what has us where we are.
Being self-aware is crucial as a human quality as well. When we face our problems, we gain experience, that experience leads us to understand and empathise with others’ sufferings too. It is a wholesome development.
Key Words: Self-awareness, Spirituality, Thoughtfulness, Mental Health
Honestly, who hasn’t watched one of the epic series of HBO– Game of Thrones?
There’s no question that when the first episode of Game of Thrones was released on April 11, 2011, the youth population of the world became exuberant. The main reasons behind this reaction was, first, the theme of the show, and second, the hidden lessons which it put forward.
Some of the valuable lessons which the Game of Thrones taught us are:
1. The pack always survives. This aptly meant that whether your pack consists of your family or your friends, you are the strongest when you are surrounded by a support system. This is what Ned Stark taught his children, to be together when “the winter comes”.
2. Never forget who you truly are. One of the most important lessons was given by Tyrion Lannister. He taught us that we should never forget who we really are. This means that we must not forget our bad habits and where we lack. So, once we know who we are, no one could ever use our lagging points against us.
3. Reading is necessary. Tyrion Lannister said, “A mind needs books like a sword needs a whetstone.” There is absolutely no denying that reading is not a habit now-a-days, but a necessity. If you want to be sharp and smart, then you must devote sometime to books, for they would teach you a lot!
4. Always pay your debts. Well, one of the most philosophical and learned houses if Game of Thrones is House Lannister. And so, one of the sayings of their house is, “A Lannister always pays his debts.” From here we get another life lesson that we must always pay off what we owe from people.
5. Always believe, “You know nothing.” Ygritte said this to Jon Snow in a teasing manner. But, this is actually for all those who believe that they know each and everything. Well, never believe that you know everything. Always learn from new experiences and never hesitate to take advice from others.
So, these were five most significant lessons which the series Game of Thrones offered us. In reality, we all are aware of these lessons, but we never really work upon them. But now, let’s try to understand each lesson and become the heir someday!
Keywords: Entertainment, Game of Thrones, HBO, Series, Youth, Lessons.