Showing posts with label Health Insurance. Show all posts
Showing posts with label Health Insurance. Show all posts

Sunday, March 29, 2009

Tips & Articles

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1: Road Map to Your Child’s Wellness

Medical research has given us empirical evidence highlighting the correlation between our diet and wellness. We are what we eat, goes the popular saying. So, why not start right at the beginning instead of waiting for the onset of diseases and loss of health for that health plan?

Obesity is considered a major factor in aggravating many fatal ailments like diabetes, hyper tension, high blood pressure, high cholesterol etc. It is also a well known fact that the seeds of being obese are laid in our childhood mainly due to the type of food we are exposed to. Children can be easily guided towards any type of food/nourishment if started early on and continued with diligence.
1. Won’t eat those greens at 10 years of age? Could it be that it his/her plate never saw that colour till now? Exposure to all types of vegetables from early childhood is a sure way to ensure that your child will slowly pick and eat some greens rather than refuse it altogether later on.

iffco health

2. Fussy about eating fruits as a teenager?
Were fruits always around during the toddler/primary school phase at home? Even if the child ignores it for sometime, a wholesome exposure to all kinds of healthy food is bound to impact their choice later on. We tend to offer only those types of food which children prefer and these often fall into the sweet/ snacky variety. How about offering only fruity snacks next time your child demands that packet of fried chips? 

3. You are your child’s health architect; lay an indomitable foundation on which a sturdy, strong and supple structure can be built to survive the many vagaries of life. Don’t let the power of ‘being fussy’ lose the power of ‘veggies and fruits’ and all things good for their health.

2: Save that trip to ICU: Take control of your safety

You slip under the seat belt on spotting a cop on the road, step up the accelerator, throw caution to the winds and let your kids use the backseat as their playground. The red light, you feel, were made to be jumped and side mirrors only for the show.

If you follow any of these, then chances are, you are well on the stairway to heaven. Because much as you may hate to admit -- seat belts work. They save lives.

Its usage at all times ensures protection during high impact accidents. SCI (Spinal cord Injuries) which results in either paralysis or death are prevented if you have your seat belt on strapped correctly (never under the shoulders!)

Children are most vulnerable
The Safety of your child cannot be dependent on the presence of the traffic cop on the road alone. It depends on your adhering to the rules. In the developed world, it is conservatively estimated that over the last 25 years about 3,10,000 fatalities  and 9 million critical injuries have been prevented through wearing of seat belts

Jumping the traffic light = inviting life threatening moments

Just because you are on the road at 2 a.m. and cant spot a car for miles doesn’t mean you don’t have to wait for the lights to turn green.
Modern cars are fitted with efficient engines with high acceleration and can achieve high speeds within a very short time and distance. Crash risk increases as speed increases especially at road junctions as road users underestimate this speed and overestimate the distance of an approaching vehicle resulting in avoidable crashes.

Reversing? Check for the following:

  • Any toddlers/children playing at the back.You may have checked the rear view many times but it cannot show the tiny toddler or that child straying while you have pressed the accelerator.
  • Slow and slower should be your thumb rule to guard against any fatal accidents while reversing.
  • ALWAYS look in the side mirrors too. Hazards often get overlooked here.

No matter what you do, remember that you can steer your life into the right direction. All you need to do is to watch for the green, so you never catch the red!

 

Source http://www.itgi.co.in/

Monday, March 9, 2009

Take Healthcare Insurance and Enjoy Tax Benefits Under Section 80D

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1. Take healthcare Insurance, and protect yourself and your family. Check for Tax benefits under the scheme, especially section 80D.

2. Avail Income tax deduction for the healthcare Insurance premium paid.

3. The healthcare Insurance shall be taken for (you, your spouse and your dependent children) and for your parents.

4. Make sure the premium is paid by any non-cash mode.

Insurance companies offer Health insurance policies. Take both Life Insurance and Healthcare Insurance to save income tax.

Amount eligible for Deduction:

Deduction allowed for Healthcare Insurance : Rs. 15, 000/-

Deduction allowed for Healthcare Insurance (Senior Citizen) : Rs. 20, 000/-

Deduction is allowed for the Healthcare Insurance premium (Non-cash),

1.  Paid for, Self, Spouse and Dependent children;

2. And also for your parents ( Dependent or Not).

Example :
Mr.Sunil is working in a MNC. He has taken health insurance policy for his family ( Himself, Wife and two dependent children).The annual premium is 17,000.

In addition Sunil has taken health insurance for his Parents. The annual premium is 38,000, in which 20,000 is paid by Mr.Sunil and remaining 18,000 is paid by Sunil’s father.

Note: Sunil’s father is a Senior citizen and he is not dependent on Mr. Sunil.

Deduction available for Mr.Sunil:

Health Insurance premium paid for his family : Rs. 15,000 (out of Rs. 17,000)

Health Insurance premium paid for his Parents : Rs. 20,000

Total deduction available for Mr. Sunil : Rs. 35,000/- (Rs 15,000 + Rs.20,000)

Deduction available for Mr. Sunil’s father : Rs. 18,000/-

Source: http://www.saveincometax.co.in/2009/01/15/take-healthcare-insurance-and-enjoy-tax-benefits-under-section-80d/78665/index.html

Friday, March 6, 2009

Health Insurance & Its Need

What is a health insurance policy?
A health insurance policy is a contract between an insurer and an individual or a group, in which the insurer agrees to provide specified health insurance at an agreed-upon price the premium. Depending on the policy, the premium may be payable either in a lump sum or in installments. Health insurance usually provides either direct payment or reimbursements for expenses associated with illnesses and injuries. The cost and range of protection provided by the health insurance will depend on the insurance provider and the particular policy purchased. These days, most companies give the benefit of health insurance to the employees. However, in case your employer does not offer a health insurance plan, it is advisable to opt for a health insurance scheme.


Why do you need health insurance?
Health insurance has become a necessity in today�s world considering the rise in the cost of medical care and treatment and the huge population of the country. The escalating cost of medical treatment today is beyond the reach of the common man. Even if an individual is healthy and has never had any major problem, it is not possible to predict what may happen in the future. There is a growing public awareness for better health care and desire to have better health care from private medical providers. In case of a medical emergency, cost of hospital room, doctor�s fees, medicines and related health services all add up to a huge sum. In such times, health insurance provides the much needed financial relief.

imgadWho can avail this facility?
Health insurance can be availed by people aged between five and seventy five (The upper and lower age limits may vary slightly depending on the policy). The health insurance scheme could either be a personal scheme or a group scheme sponsored by your employer.

What does it cover?
In anticipation of unexpected events that create the need for medical goods and services, the health insurance does not cover certain ailments. It does not cover ailments in the first year after the policy is taken. It covers hospitalisation charges for:

  • Heart attacks
  • Strokes
  • Prolonged illnesses
  • Loss of limb, eye, or other parts of the body due to accident
  • Injuries
  • Maternity expenses
  • Medicines

Written by:DoctorNDTV Team

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