Critical health insurance plans that act as your security shield at the time of a medical crisis are no longer a mere need; it is a necessity. As the hazard and recurrence of critical illnesses are on the rise, a critical illness cover is a great investment in guaranteeing quality healthcare and peace of mind. An individual’s physical, mental, and monetary health can be antagonistically affected if analysed with a critical illness like cancer. That’s why a critical illness insurance policy pays a part of the sum to offer assistance to the policyholder, guaranteeing the individual has access to adequate reserves to fight the sickness and recuperate quicker with the assistance of high-quality treatment. Before purchasing the policy, you ought to know the benefits of having a basic health insurance policy and how the premium is decided. Let’s learn more about it.
Critical illness insurance is a sort of health insurance plan that covers basic or life-threatening maladies like stroke, cancer, kidney failure, loss of motion, multiple sclerosis, heart attack, etc. You can file a claim if you are diagnosed with any of the covered basic illnesses mentioned on your critical illness medical insurance. The health insurance providers will pay a premium to reimburse up to the full safety net provider, no matter what the treatment costs are.
For instance, you have opted for basic health insurance plans with a whole safety net provider of INR 15 lakhs, and your treatment costs sum to INR 11 lakhs. Protections will pay you the whole sum and will not inquire for any bills or reports; the as it were report required is verification of the diagnosis.
However, you can profit off the stipend as it were if you survive a certain period after the date of conclusion. This period is called the survival period and can extend between 14 and 30 days based on the arrangement and guarantors.
Like standard health insurance plans, critical illness insurance also has a waiting period, but it's much lower. The waiting period is generally 90 days from the date of policy purchase.
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A few components influence the premium of critical health insurance policies, such as -
A person’s age is a critical calculation influencing the premium of basic health insurance policies. If you purchase this approach at a youthful age, the premium will be lower since the chance of catching a critical illness is less. As you age, the hazard increases, and so does the premium.
If you have a family history of illnesses like heart disease or cancer, you are at an increased risk of catching such illnesses. It may be troublesome for you to get a basic health insurance plan, and if any safety net providers offer coverage, the premiums charged will be high.
Individuals with pre-existing conditions will have to pay a higher premium than those who don’t have any medical health issues.
The higher the comprehensive health insurance, the higher the premium.
Related Blog: What Is Sum Insured in Health Insurance?
A person with a higher BMI is more vulnerable to afflictions, including the heart and muscles. This implies customary medical considerations, such as specialist visits and medicines, and the likelihood of recording claims is high. So, considering all the health dangers, the health insurance premium will be high for an individual with a high BMI.
Destitute way of life propensities, such as eating less, missing fundamental supplements, needing to work out, smoking, and utilising liquor, increase the chance of health issues; thus, the premium charged for a basic health insurance policy will be high. Moreover, if you are an adventure enthusiast and routinely lock in activities like bungee jumping, skiing, scuba diving, etc., the premium will be higher.
The working environment influences the premium of a basic health insurance policy. If you work in a high-risk, unpleasant, or perilous environment, the premium even of a basic health insurance policy will be higher.
Health insurance policies which cover more basic or life-threatening ailments have higher premiums.
Selecting riders or add-on covers will increase the premium. So, you must select only those add-ons which are highly necessary.
When inflation leads to a rise in healthcare costs, insurance providers will increase the premiums too.
If you are looking for reasonable premiums while getting a critical illness insurance policy, here are a few tips to offer assistance to you:–
Select a satisfactory whole safety net provider that can cover your restorative and non-medical costs. A higher entirety guarantor will lead to higher premiums, so you must select a sum that offers adequate coverage and is affordable.
Evaluate the chance variables of creating basic sicknesses and see for suitable coverage.
Selecting a critical illness insurance rider will be less costly compared to a standalone approach. If you don’t have a family history of such sicknesses but need to amplify the scope of your standard healthcare arrangement, an add-on cover may give satisfactory coverage.
A health insurance plan covering a wide range of basic illnesses will be costly. You must choose whether to select for broader scope or an essential one.
Check for rebates by keeping up a sound way of life, using the no-claim reward, or bundling with other insurance products.
Comparing quotations advertised by distinctive insurance providers will offer assistance to you in discovering the best health insurance policy that meets your requirements.
Critical illness insurance offers essential financial support during severe health crises, enabling individuals to access quality healthcare without overwhelming financial strain. This policy provides peace of mind, knowing that one is covered against life-threatening illnesses, allowing for quicker recovery and a focus on health rather than monetary worries.
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12 Winter Skin Care Routine
Winter can be a challenging season for your skin. Cold temperatures and low humidity can leave your skin feeling parched and vulnerable to various issues such as dryness, flakiness, redness, and increased sensitivity. If you already have dry skin, these issues can aggravate, resulting in rough areas and an uncomfortable, tight feeling. To counteract these typical winter skin concerns, it is important to stick to a winter skin care routine. This page discusses some amazing winter skincare routines that address a variety of issues, especially winter skincare for dry skin. Learn how to keep your skin healthy, hydrated, and radiant during the winter.
Due to the cold and dry weather, certain skin disorders might worsen during the winter months. Here are some common skin problems:
Since lips have thin skin, they might dry out and crack in the winter. Many people lick their lips or peel away the dry portions, but this can aggravate the condition.
Rosacea causes your cheeks and eyes to become red and flushed. When it acts up, it can last for weeks or months. It can hurt your skin and eyes if you don't take care of it. Cold weather might exacerbate symptoms for many people.
Keratosis pilaris is often known as ‘chicken skin’. It occurs when you get little, painless pimples that are either reddish or the same colour as your skin. They are more visible when your skin is dry, as they occur in the winter.
Eczema is a skin condition that causes red, itchy rashes. People of all ages, including babies and older folks, can get it.
Psoriasis is yet another skin condition. It causes your skin to become thick and scaly, with red spots. Winter, with its dry air, can aggravate psoriasis.
In the winter, your skin can get extremely dry and irritated. But don't worry, there are some simple tips for skincare for winter months you can do to protect your skin during the colder months:
1. Use a thick moisturiserYour summer moisturisers may not be adequate for the winter. Switch to a thick, cream-based moisturiser instead for the winter months. It will help to calm your skin and protect it from becoming red and irritated.
2. Be gentle with your face washIf your face feels dry and tight after washing, your face wash is probably too harsh. Try a milder, hydrating cleanser with a balanced pH. It will clean your skin without leaving it all dry.
3. Pamper your hands and feetYour hands and feet don't have as many oil glands as the rest of your body; they can get extremely dry and cracked in the winter. Apply moisturiser before heading outside. Choose petroleum jelly or glycerine-based creams or lotions for your feet. You can even exfoliate your feet occasionally to aid in better absorption of the moisturiser.
4. Sunscreen is a mustEven in the dead of winter, the wind, snow, and rain may be harsh on your skin. Wear gloves and a hat, and remember to apply sunscreen. Although the sun may not seem as hot, UV radiation can still cause skin damage. For the best protection, choose a sunscreen that has titanium dioxide or zinc oxide.
5. Stay hydrated and eat wellDrinking plenty of water and eating nutritious food can help keep your skin looking healthy. Foods high in vitamins A, C, and E can be beneficial to the skin. They can help keep the skin in good condition. You can also hydrate your body by eating salads, soups, milk, and juices, which provide essential nutrients for healthy skin.
6. Get a humidifierWhen the indoor heating is on, the air inside can get quite dry. A humidifier provides moisture to the air, which can help prevent dry skin. Consider purchasing a humidifier for your home.
7. Wear comfy clothesTight clothing can aggravate dry skin, especially in cold weather. Wear loose, comfortable clothing. Soft and natural textiles are a good choice. Just ensure that your clothing isn't too tight, so your skin can breathe.
8. Don't overdo the scrubbingExfoliating your skin can be beneficial, but don't overdo it. Twice a week can be sufficient. Massage your skin in small circles to help increase blood flow. Your skin will appear healthy and bright. However, don't scrub too hard, or you will hurt your skin's protective barrier.
9. Avoid taking hot showersHot water may strip away your skin's natural oils. To avoid excessive dryness, take mild showers that are only a few minutes long.
10. Protective lip balmDon't forget about your lips. To avoid chapping and keep your lips supple and protected, use a nourishing lip balm with SPF.
11. Consider a serum boostAnother winter skincare essential is including a moisturising serum in your routine. Serums high in hyaluronic acid and antioxidants can provide your skin with an extra layer of protection and moisture.
12. Stay activeDuring chilly winter mornings, it can be tough to get up from your cosy bed. However, your skin can benefit from physical activity. Exercise can raise your heart rate, allowing more blood to reach your skin and important organs.
A winter skincare routine has multiple benefits for the health and appearance of your skin. During the winter, your skin faces a number of challenges, including dryness, irritation, and even damage from extreme weather conditions. Implementing a winter skin care routine will help you address these issues while also providing the following benefits:
A healthy skincare routine can also help to prevent skin issues such as eczema and dry patches, which are common in the winter. Regular moisturising and exfoliation can help keep these problems at bay.
The dryness of the winter air can leave your skin parched. A good skin care routine ensures that your skin receives the moisture it requires to stay hydrated, preventing dryness, irritation, and flakiness.
Winter's harsh conditions, such as cold winds and low temperatures, can damage your skin's natural barrier. To protect your skin from the elements, a winter skincare routine often involves protective products such as thick moisturisers and sunscreen.
Many winter skin care products contain important nutrients and vitamins that nourish your skin and keep it healthy and radiant. Vitamins E, A, and C, as well as antioxidants, can help repair your skin.
Following winter skincare tips, which include moisturising, gentle cleaning, and protective clothing, is essential for preserving healthy, glowing skin during the cold season, offering protection from the harsh winter elements, and promoting overall well-being. Similarly, having health insurance can protect you by providing financial support for medical care during medical emergencies. With a health insurance plan in place, you not only protect your health but also have the added benefit of potentially managing lower health insurance premium costs. So, to secure a holistic approach to your winter well-being, invest in both a winter skincare routine and reliable health insurance.
To keep your skin healthy during the cold season, the best winter skin care routine includes moisturising, gentle washing, safeguarding your hands and feet, applying sunscreen, staying hydrated, using a humidifier, wearing loose clothing, and avoiding excessive exfoliating.
Why is it necessary to take care of your skin in the winter?Long periods of exposure to chilly weather can cause your skin to become dry and flaky. A winter skincare routine is required to deal with dry skin throughout the cold season.
What should we apply to our skin in the winter?Changing weather can affect your skin, so it is critical to modify your skincare routine. To nurture your skin, use thick moisturisers without harmful chemicals and don't forget to use sunscreen.
What winter skincare essentials are ideal for winter?The best skincare products for winter are the ones that work well for your skin. Choose gentle products that do not include harsh ingredients.
What are the benefits of a humidifier for winter skincare?A humidifier adds moisture to the dry indoor air, preventing your skin from drying out.
Is sunscreen required in the winter?Yes, UV radiation can cause skin damage even in the winter; therefore, wearing sunscreen every day is vital.
Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.6 foods to avoid winter illness and stay healthy
Winter pollution and cold can disrupt your routine, raise stress and lead to overeating and weakened immunity. We recommend a balanced diet with enough protein to curb hunger pangs, and extra sleep to reduce stress.
Oats & Honey
Oats are a filling budget food to boost energy. They are high in immunity-boosting zinc and fibre to stabilize blood sugar. Honey’s antioxidants also boost immunity, and its anti-microbial properties kill bacteria & soothe sore throats.
Pomegranates
Pomegranate juice is rich in vitamin B and antioxidants, which curbs harmful cholesterol that leads to plaque build-up in the arteries. Its seeds can reduce chances of cancer, heart disease and high blood pressure.
Citrus Fruits
Citrus fruits contain vitamin C which boosts immunity (one orange contains a day’s worth). Their potassium helps maintain electrolyte balance. They are also high in fibre, which controls blood sugar and cholesterol.
Sweet Potatoes
A popular winter food, sweet potatoes are loaded with vitamins A and C. They contain antioxidants that reduce cell damage in the body, while their high fibre content helps stabilize blood sugar levels.
Dark Greens
Dark leafy vegetables are low in calories and rich in beta-carotene and vitamin C – both powerful antioxidants that help fight infections & build immunity. Cold weather even reduces their bitterness, making them tastier.
Carrots
Carrots are loaded with vitamin C and antioxidants. They also contain beta-carotene, which turns to vitamin A in the body, boosting immunity and enabling healthier eyes, skin & mucus membranes.
Which Spices?
Mustard and ajwain are a great flu remedy, stimulating digestion and increasing blood circulation. Methi soothes bone and joint problems that crop up in winter, while fresh turmeric is a great anti-microbial immunity booster.
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