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Why Should You Consider Buying Top-Up Health Insurance Plans?

With a wide range of health insurance companies offering an insurance cover for your health, it requires research for you to choose the one that is most suitable

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Health Insurance (Representational Image), Pixabay

March 10, 2017: Rising costs of medical care and increasing instances of illnesses have made the need of health insurance clear across the country. To ensure that your medical costs are taken care of, a health insurance cover is essential. From young adults to senior citizens, everybody should have a health insurance plan.

With a wide range of health insurance companies offering an insurance cover for your health, it requires research for you to choose the one that is most suitable. A health insurance plan provides a cover for medical expenses arising out of hospitalisation and certain other medical expenses. The premium for the same depends on various factors that include age, previous medical history, profession, gender and whether you are a new policyholder. A good health insurance plan provides you with the best treatment for your disease and will also ensure that the expenses are covered.

There are two variants in a health insurance policy:

  1. Regular Mediclaim Policy: A plan that reimburses hospital bills up to the sum insured chosen.
  2. A Top-Up Health Plan: You can either pick a top-up health plan or choose a regular plan with the option of top-ups.

Top-Up Plans

A top up health insurance coverage is like a regular mediclaim policy, albeit with high deductibles rendering the policy much cheaper than regular plans. This can be purchased as a separate policy. The aim behind the top up plan is to provide an extra cover at a reasonable price. You can get an additional health cover without having to pay a large sum. It is very important to check the deductible criteria for a single illness.

Some private insurers like Apollo Munich offer the option to even convert your top-up plan into a regular plan at certain life stages, like retirement. This is a useful feature considering the Healthcare inflation of 20% per annum in India.

Source: www.relakhs.com

A top-up plan offers health insurance coverage for the insured over and above the regular health insurance policy he/she already has. It is a cover which will reimburse the expenses once you have exhausted your limit for the policy. A top-up health insurance coverage is ideal when you want to expand your plan and not pay a huge amount. Small illness or diseases will exhaust the amount of your regular policy while a top up will help you cover additional expenses which exceed the limit.A top-up health plan will play its role for the same instance of illness or hospitalization when you have exhausted your specified limit in the basic plan. This means that if you have an insurance of Rs. 2 lac, and your cost of treatment is exceeding that, the top-up plan will come into action once your primary health cover is exhausted.

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No Medical Check-up Required

Another benefit of a top up health plan is that most insurance companies do not require a medical check-up up to the age of 55 years.

Covers All Types of Hospitalisation Costs

When you take a normal health insurance policy, there will also be a choice of rider for you. A rider, such as a critical illness rider, will provide a cover for a few serious illnesses which have been previously specified. In contrast, a top up will cover hospitalisation costs arising out of all treatments covered by the basic policy.

When Top-up is Not Used

The characteristic of a top-up plan is to provide a cover for one single hospitalization incident. This means during a single hospitalization incident, if your bill exceeds the deductible amount, only then the top-up plan will be used. Now, if an individual has a top up plan and is hospitalized twice in a year, but does not exceed the deductible amount in a single instance, then the top up plan will not be applicable. You should also be clear on what the policy deems as a single illness, etc.

A top-up plan is an ideal and easy way to expand your insurance cover without having to spend a huge sum of money. It being an independent policy, you do not need to purchase a regular policy to activate the top-up plan. It will help you cover additional expenses and provide for the rising costs of medication. Depending on your age, medical condition, and requirement of the plan, you can choose the appropriate top-up plan.

 

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Dr Upendranath Brahmachari: Remembering the Forgotten Genius and Saint of India

Dr. Upendranath Brahmachari was born in Jamalpur, Bihar on 19th December 1873

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Kala-Azar
Dr. Upendranath Brahmachari. Wikimedia
  • Upendranath Brahmachari was born in Bihar in the year 1873
  • He grew up specializing in medicine and surgery
  • The doctor is said to have saved millions of lives through curing a viral disease called Kala-Azar

August 22, 2017: A renowned and prominent name in the hall of fame list of Indian scientists is Upendranath Brahmachari who was famous in the field of medicine.

Dr. Brahmachari’s most important work during his lifetime was his discovery of Urea Stibamine, a treatment for the fatal disease called Kala-Azar.

BACKGROUND: Dr. Upendranath Brahmachari was born in Jamalpur, Bihar on 19th December 1873. At the time, Bihar and Assam were in shambolic states. But Dr. Brahmachari had a fairly secure growing up phase. His father, Dr. Nilmony Brahmachari, was a famous medical practitioner in the Indian as well as European communities. Dr. Nilmony Brahmachari worked as a physician in East Indian Railways.

Dr. Upendranath did his schooling from Eastern Railway’s Boys High School. He loved math and had excellent academic records. The young genius went on to obtain a Bachelor’s degree with honors in chemistry and mathematics in 1893 from Hooghly Mohsin College. Further, Brahmachari did polymath. He got a Master’s degree in medicine from Kolkata’s Presidency College. His Ph.D. was a thesis on ‘Haemolysis’ which he earned in 1904.

ALSO READ: Hindu Philosophy fascinated WB Yeats: Remembering him and his Timeless Poetry at Jaipur Literature Festival

CAREER: Upendranath Brahmachari began his career as a doctor in Kolkata under Sir Gerald Bomford. Impressed by the talent, in 1901 Sir Bomford offered Brahmachari, who was 27 at the time, to teach physiology in Dacca Medical School.

Later in 1905, Brahmachari was appointed as a teacher in medicine and physician at Kolkata’s Campbell Medical School. This is where Dr. Brahmachari made some of his remarkable and outstanding discoveries, most notably, the discovery of Urea Stibamine.

This discovery was to become a significant treatment for the fatal disease called Kala-Azar. Kala-Azar is a disease strictly limited to the Mediterranean as well as South Asian nations. Sand flies are known to transmit this disease. Various characteristics broadly include irregular fever, anemia, and enlarged liver and spleen. Kala-Azar was known as the second largest parasitic killer of the world, followed by Malaria.

A treatment for Kala-Azar existed at the time but it was not helping the rapid death rates due to the disease. Dr. Brahmachari had been devoting his time to finding a treatment that had little to no disadvantages but could not come up with anything.

In 1919, his breakthrough came knocking at the door. The Indian Research Fund Association had granted resources to Brahmachari for conducting more in-depth research for the treatment of the disease. With this help, in his Campbell Medical School lab, the Doctor discovered Urea Stibamine.

Kala-Azar today is a rare disease only present in a handful of remote places. Especially in Assam where the disease thrived, many lives were saved.

Dr. Upendranath Brahmachari instantly became a popular figure in the Indian science academia. His discovery was now successfully incorporated into the growing scientific knowledge in medicine. His masterpiece “Treatise on Kala-Azar” became an essential reference reading in medicine. Moreover, his other works include treatment of malaria, dermal leishmaniasis, quartan fever, blackwater fever, and more.

Brahmachari retired in 1927 but continued to participate in Kolkata’s cultural and humanitarian activities. He stayed connected to all literary and scientific organizations in Kolkata.

Achievements: The World’s Second Blood Bank which was formed in Kolkata was driven by the efforts of Dr. Brahmachari. He was also the Head of Department for Biochemistry in Kolkata’s University College of Science, where he was also the Honorary Professor of Biochemistry.

The Asiatic Society of Bengal awarded Upendranath Brahmachari with ‘Sir William Jones Medal’. He was also awarded the Griffith Memorial Prize by the University of Kolkata. The Kolkata School of Tropical Medicine and Hygiene awarded the Doctor a Minto Medal.

He became the first Indian to be elected as the chairman of Managing body of Kolkata Branch of the Indian Red Cross Society.

For his numerous contributions to science, he was awarded the title of Rai Bahadur in 1924. The same year, Brahmachari was also awarded the Kaiser-i-Hind gold medal.

In the year 1929, the famous scientist was honored with being nominated for the Nobel Prize in physiology and medicine and almost won India the first Nobel Prize in the category, however, it was won by Sir Frederick Gowland Hopkins and Christiaan Eijkman for their detailed work on vitamins. Brahmachari was also conferred a knighthood by the British Government in 1934.

Brahmachari was also conferred a knighthood by the British Government in 1934.

Dr. Upendranath Brahmachari’s name comes along with Satyendra Nath Bose as two main figures during the Bengal Rennaissance.

Death: On 6th February 1946, Brahmachari passed away aged 72. For his contributions to the Kolkata society’s well-being, the Kolkata Municipal Corporation changed the name of Loudon street to D.R UN Brahmachari Street.

 – Prepared by Saksham Narula of NewsGram. Twitter @Saksham2394


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Study: Better Treatment Strategies for Pediatric Cancers helping Survivors Live Longer

The researchers focused on severe, disabling, life-threatening or fatal health problems that occurred within 15 years of being diagnosed with a pediatric cancer between 1970 and 1999

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FILE - A cancer patient says hello to a visiting dog at The University of Texas M.D. Anderson Cancer Center, June 10, 2009. VOA
  • Severe health conditions arising within 15 years of childhood cancer diagnosis fell to 8.8 percent of survivors in the 1990s, from 12.7 percent in the 1970s
  • The finding is based on analysis of data from 23,600 participants in the Childhood Cancer Survivor Study

Better treatment strategies for pediatric cancers are helping survivors live longer, with fewer serious health problems related to their treatment, U.S. researchers said Friday.

The finding, presented at the American Society of Clinical Oncology meeting in Chicago, is based on analysis of data from 23,600 participants in the Childhood Cancer Survivor Study funded by the National Institutes of Health.

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Overall, severe health conditions arising within 15 years of childhood cancer diagnosis fell to 8.8 percent of survivors in the 1990s, from 12.7 percent in the 1970s, the study found.

The findings show that childhood cancer survivors who were given more modern treatment approaches, such as reduced exposure to radiation and lower doses of chemotherapy, were faring better, said Todd Gibson of St. Jude Children’s Research Hospital in Memphis, who led the study.

“Not only are more children being cured, but they also have lower risk for developing serious health problems due to cancer treatments later in life,” he said in a statement.

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The researchers focused on severe, disabling, life-threatening or fatal health problems that occurred within 15 years of being diagnosed with a pediatric cancer between 1970 and 1999.

The biggest declines in health problems related to treatment occurred in survivors of Wilms’ tumor, a rare kidney cancer. In this group, serious complications fell to 5 percent of survivors in the 1990s, from a high of 13 percent in the 1970s.

Improvements

In survivors of childhood Hodgkin lymphoma, latent complication rates fell to 11 percent, from 18 percent in the 1970s. Improvements were also seen for astrocytoma, the second most common childhood cancer, and acute lymphoblastic leukemia, the most common childhood cancer.

There were no reductions in long-term side effects among survivors of neuroblastoma, acute myeloid leukemia, soft-tissue sarcoma and osteoscarcoma.

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The biggest improvements were seen with regard to endocrine conditions such as diabetes, thyroid disease or growth hormone deficiency. The researchers saw endocrine problems fall to 1.6 percent for childhood cancer survivors surveyed in the 1990s, compared with 4 percent in the 1970s.

The emergence of secondary cancers fell to 1.6 percent in the 1990s, compared with 2.4 percent in the 1970s.

Gastrointestinal and neurological conditions also improved.

But there was no improvement in rates of heart or lung conditions, which the researchers said served as a reminder of the need for close follow-up in childhood cancer survivors. (VOA)

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10 persons killed in Sri Lanka when 300-feet-high garbage Dump collapsed onto their Homes

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Garbage dump (representational Image), Wikimedia

Colombo, April 15, 2017: At least 10 persons, including four children, were killed after a garbage dump collapsed onto their homes outside the Sri Lankan capital.

The 300-feet-high pile in Meethotamulla had shifted after floods and a fire, and subsequently collapsed on Friday evening, Xinhua news agency reported.

Over 60 houses were damaged with some witnesses saying more than 100 homes were destroyed.

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A rescue operation continued overnight following fears many people were buried in the incident.

Several others were admitted to hospital for treatment and over 180 people have been displaced, officials said.

Sri Lanka’s President Maithripala Sirisena instructed the Disaster Management Centre to provide assistance to the affected families.

The residents of the area have been protesting over the past several months urging the authorities to move the garbage to another location. (IANS)