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Life is precious for all, and everyone does their part to stay healthy. The first thing that comes to mind when people think about good health is the role of doctors in their lives. In India and across the globe, doctors are considered next to God for they have the power to save lives and heal wounds. However, even doctors commit mistakes sometimes as a part of the services they offer and can face severe problems as a result.
If you are a healthcare professional, you can better understand this. No doctor wants to hurt their patients physically or in other ways, intentionally. However, the patients can sometimes suffer because of negligence or a mistake done by doctors while offering treatments. In such situations, the doctors are liable to pay for the losses incurred to the patients.
Such financial setbacks can also have an impact on your career as a healthcare professional. Professional indemnity insurance can be of great help to you to stay safe.
Why Doctors Need Professional Indemnity Insurance?
The count of medical negligence cases has increased in Indian over the past few years. The alarming rise in litigations against doctors becomes problematic for them in several ways. They need to visit courts, pay for the losses incurred to the victims and face a decline in reputation amongst the patients.
Professional indemnity insurance for doctors takes care of the expense related to medical negligence claims raised by patients. The insured doctor gets adequate coverage by the chosen insurer if he or she is not found guilty of medical misconduct or negligence.
Another significant aspect of such situations is that you cannot estimate the loss in terms of penalties. Take the case when a patient has lost his limb or a kidney during a medical procedure you carried out. You never know how much compensation the patient would ask for, which can be very big at times. Professional indemnity insurance will cover you against financial losses in case any of your patients sue you for medical misconduct.
Furthermore, doctors who are offering several medical services under one roof in a hospital need to cover their hired staff, be it nurses or junior doctors under group policies for professional indemnity cover.
What Does It Cover?
A professional liability insurance policy for doctors covers all the expenses incurred for defence, including the charges applicable in the court, plus the claims made by patients for medical negligence. You should also know that this policy is time-bound and will only cover the claims made during its tenure. So, as a doctor, you need to get it renewed timely.
Professional liability insurance comes with a plethora of benefits. However, it may not cover the claims in the following cases:
- Criminal acts, penalties and fines
- Wilful neglect
- Being under the influence of drugs or alcohol while offering medical services
- Violation of law, and many others
Top Companies That Offer Professional Liability Insurance Policies
- Reliance General Insurance Company
- New India Insurance
- TATA AIG General Insurance Company
- United India Insurance General Insurance Company
- ICICI Lombard
Best Way to Buy Professional Indemnity Insurance
Doctors are known for their knowledge and expertise in saving lives. However, they may at times commit a mistake that can impact the lives of their patients. This is where the role of professional indemnity insurance comes up. However, it is not generally easy for doctors to choose the right insurer.
A great way to ensure that you make the right decision is to ask for help from a good quality insurance broker. They will be able to give you quotes from multiple insurers and help you in making the right choice for your needs.
When you become a mother, you tend to forget about your own needs because you are so focused on your child. With the baby keeping you busy all day and night, your skincare takes a backseat. It's not always changes in skin texture and looks post-pregnancy are a bad thing, but not taking care of your skin may lead to acne, melasma, stretch marks, puffy eyes, and even dark circles. Syed Nazim, Dermatologist, Aesthetic and Hair Transplant Surgeon, Royal Lush Skin Clinic Saket, New Delhi, shares simple and easy tips for you to follow, to get a glowing post-pregnancy.
* Cleansing: As you sleep, your skin goes through a renewal cycle, by dispensing toxins and debris. So you only need a light-textured cleanser to wash your face with a face wash that is suitable for your skin type.
* Steam: Take steam for 2-3 days a week, it will help you to open up your clogged pores.
* Scrub & face pack: Use a face scrub, to remove the dead skin cells, scrub your face for like 5 minutes and wash it with normal tap water. It will help you to make your skin softer and radiant, leave the mask until it dries off.
* Toner & moisturizer: Apply toner to your face, look for clarifying toners that rebalance your pH to maintain the pH value of your skin. In the end, you only have to moisturize your face, to give hydration.
* Steal baby products: Baby products are always mild in nature so that the baby's sensitive skin doesn't have to compromise. They are created to lock moisture in babies skin. So, you can also use them. Whether it's a body oil, lotion or cream, apply some on your skin every time you're applying them on your baby. If you do this, you can flaunt your skin, this way, you don't have to dedicate a specific time every day for your skincare.
When you become a mother, you tend to forget about your own needs because you are so focused on your child. | Photo by Jenna Norman on Unsplash
* Keep all skincare needs in one place: Organize all your skincare products in one place, this organization will help you way much better than anything. Make use of your "me time" and devote it properly to pamper yourself.
* Streaming your routine: Make a proper timetable, for your week how many days you are going to deep cleanse your skin in a week.
If we talk about the baby skincare routine this is important too. As the baby's skin is too sensitive and they are interacting with such a harsh environment -- pollution, high temperature etc. Don't worry there are some simple and easy enough tips. Here, what you should know, with regards to bath, diapering, selecting items and that's just the beginning.
* Bath time: Babies need two to three baths a week in warm, not hot water to stay clean. The initial step to an extraordinary child shower is to track down the ideal temperature. Tip: Fill the bath without any more than 2 to 3 creeps of water. To keep your child from getting cold while you wash them, routinely pour cupfuls of water over their shoulders.
* Diaper Basics: There are a lot of things you'll have to do for your little one when they're an infant, like changing your baby's diaper regularly, cleaning tenderly however completely each time with child wipes. Make the surface saturated yet dry simultaneously as well. There are countless myths around diaper rashes that it is caused because of the usage of diapers. But no, it is due to a lack of attention and knowledge about the correct time to change the diaper. Else it will get worse for your child.
* Awareness of Products: Always read the product label before purchasing products for your infant. It's ideal to avoid chemical and alcohol-based products. Use products that are made explicitly for infants.
The baby's skin is too sensitive and they are interacting with such a harsh environment -- pollution, high temperature etc. | Photo by Jill Sauve on Unsplash
Newborn babies are so delicate, requiring a lot of care and attention. A single mistake or slip of mind can make things worse. Keep your infant's skin saturated, as well, so consistently have a stockpile of moisturizers around. But excessive oil can cause cradle caps, and dryness can create painful scenarios. If your child is facing such issues you need to consult a certified dermatologist.
(Article originally published on IANS life) (IANS/MBI)
Keywords: temperature,sensitive,babies, skincare,child,products
A couple of years ago, finding a strand of grey hair meant visiting the parlor to cover it up. Women and men refused to admit their age, and refused to let it show. Be it moustache, eyebrows, or hair on the head, it was dyed a luscious black, or reddish-brown for those who wanted to go natural. Today, the trend of coloring hair has nothing to do with age. Young boys and girls sport bright colors and hairstyles, which is now a marker of how modern one can be.
This notion of modernity associated with neon streaks and an almost gothic look originates from the ancient Egyptian civilization, where it was considered fashionable to look different from the natural features one was born with. Kohl, lipstick, perfume, and makeup were the inventions of those who hoped to live even after death. Likewise, they were the first people to discover hair dye. Initially, they dyed their hair black, to cover the grey. They used compounds that were extracted from plants, but some of them were lethal. So, they took to extracting the color from fermented leeches.
This was when a chemical was discovered to gently lighten hair color instead of completely bleaching it, and since then, there have been varying degrees of blonde and brown hair. Image credit: Photo by Jessie Dee Dabrowski on Unsplash
When bleach was discovered, women used it to achieve a yellow color, which became known as the sign of prostitutes. The focus shifted to naturally red hair when Queen Elizabeth took the throne, as she suffered from a genetic mutation which caused this. Red heads became more common in Scotland and Ireland, and everywhere else, black hair was still the norm.
When William Perkins discovered mauve during an experiment that went wrong, the concept of mixing two or more chemicals together to create a dye became well-known. So colorless chemicals were developed and mixed in varying ratios to dye hair. When the movie Platinum Blonde was released, the trend of having pale hair increased greatly. People began to go blonde everywhere. This was when a chemical was discovered to gently lighten hair color instead of completely bleaching it, and since then, there have been varying degrees of blonde and brown hair.
Youngsters prefer to sport bright, flashy colors, like teal, blue, purple, and even pink. Image credit: Photo by Tom van Kessel on Unsplash
With the arrival of pop-culture and its influence on the world, these mundane colors are reserved for the elderly. Youngsters prefer to sport bright, flashy colors, like teal, blue, purple, and even pink. Every time a new star sports a different color, the trend sparks interest in others, and sweeps across the globe like a wildfire. Hair dye has come a long way since the time of the Egyptians in the first century. Two thousand years hence, it has the potential to grow into so much more.
Keywords: Hair Color, Hair Dye, Egyptians, Perkins, Pop Culture
The history of Daryaganj goes back to the era of Mughal dynasty, and so its history is as old as the old city of Shahjahanabad, now Chandni Chowk. Interestingly, this market was known as Faiz Bazaar in the Mughal era and was considered as an important commercial place.
In fact, at that time this area was very posh, and had beautiful houses on both sides of a stream from a hauz (meaning, water storage tank) flowing down the centre. Not only this, trees were lined up for shade and it looked like a marvellous garden had been turned into a market.
Also, there used to be Lohe ka Pull which used to connect shops lined on both sides of the market starting from Delhi Gate to the Iron Bridge, but now the pull no longer exists. Well, there's no doubt that the old city of Shahjahanabad was beautiful crafted!
One of the most beautiful things about Daryaganj is its famous book market, known as the Sunday Patri Kitaab Bazaar. Sunday is specifically added here because the book market takes place only on Sundays, that, too, from 9am till 6pm.
Booksellers set up their shops on Patri (footpath). Hence, the name is Sunday Patri Kitaab Bazaar. Photo by Flickr.
In this market, you can find all kinds and genres of books at cheapest rates. In fact, some booksellers sell books according to kilos, and this is really astounding to see. From stationery to art supplies, you can find everything here and that, too, in a lot of variety.
It is interesting to see that some of the shopkeepers of Daryaganj book market are selling books from the past 50-60 years. Not only this, Daryaganj book market is also famous for its branded electronic goods and science lab equipments.
Apart from this, you can also find some of the lost traces of British rule, which once existed in India, in this market in the form of coins, photographs, and even their personal belongings. There is absolutely no doubt that Daryaganj book market offers a lot more than books, as it offers glimpses of the past.
So, if you are someone who is not just into books but also colonisation of India, then you must visit Daryaganj book market and experience a mixture of past and present!
Keywords: Daryaganj Book Market, Books, Old Delhi, Chandni Chowk, India, Mughal Dynasty.