How Smoking Impacts Your Health Insurance Policy

It’s a well-known fact that smoking causes an adverse effect on your health. You must have seen the warning message on all cigarette boxes – ‘Smoking is injurious to health’. Smoking tobacco is a root cause of 30% of all cancer deaths and causes 16 times higher risk of heart attack.

There are almost 120 million smokers in India. As per World Health Organization, India accommodates around 12% of the world’s smoking population. The number of men smoking tobacco has increased from 78 million in year 1998 to 108 million in the year 2015. Tobacco consumption is accountable for the death of 6 million people each year. Direct tobacco consumption accounts for over 5 million deaths and 0.6 million deaths are due to exposure to second-hand smoke. Considering serious public health risks, the Government has banned smoking in public places from 2nd October, 2008.

Not only your health, it also causes you to pay higher premiums for a health insurance policy, due to increased health risks and shorter life expectancy. A nonsmoker however, gets premium discounts as a reward to lead a healthy lifestyle. Being a smoker, it is advisable not to hide your smoking habit from your health insurance company, as it helps you to cover the smoking-related health issues.

There is a wide curiosity among people, how smoking impacts the health insurance and its cost. Let’s educate yourself about smoking and its impact on health insurance policy.

Smoking – What It Includes

Smoking includes inhalation of of the smoke of burning tobacco in the form of cigarettes, cigars and beedi. Whether you are an occasional smoker or frequent smoker, you will be considered as a smoker under the health insurance policy.

Smokers can buy health insurance, however an insurance company may charge extra premium or reject your application for insurance, depending on the number of cigarettes you smoke on a regular basis. A smoker may also have to go through additional health check-ups that can help an insurance company to ascertain the risk factor and then charge the premium amount accordingly.

How Smoking Affects Your Health and Insurance Premium

Smoking makes the serious impact on your health, some of them are detailed below.

Circulatory System: Smoking results in increased risk in the heartache and blood pressure. Building up of fatty acids could resulting to atherosclerosis.

Immune System: Smoking results in severe and long lasting illnesses. Smokers are more prone to develop ulcers, cancer, pneumonia, high blood pressure, bronchitis, and other viral/bacterial/fungal infections.

Respiratory System: Smoking may damage lung functions and breathlessness. It may cause damage to the air sacs of the lungs, increased chance of developing chronic bronchitis.

Oral Health: Smoking can lead to tooth loss, tooth staining, gum disease which may increase the risk of tooth decay.

Cancer: Smoking for a long time also causes cancer to various body organs.

When it comes to a health insurance policy, an insurance company considers the magnitude of illnesses and deaths caused due to smoking and that’s why, smokers need to pay higher premiums to avail health insurance cover. Typically, the insurance companies charge around 15 to 20 percent higher from a smoker policyholder. Those who smoke would need to undergo additional medical checks, before the insurer issues you the policy.

Let’s understand the difference of premium between a smoker and non-smoker individual.

Ritesh (non-smoker) at 30 years of age buys an individual health plan with Rs 5 Lacs coverage, for 1 year policy term, the chargeable annual premium amount is Rs 4,656. However, Raj (smoker) is buying an individual health plan, he is charged with an annual premium amount of Rs 7,552. An increase in premium amount is only due to the fact that Ansh lies in the smoker category of premium. We can see Raj is paying Rs 2896 extra on account of smoking.

Smoker with Existing Health Problems

If you are a frequent smoker that has caused the symptoms of the declining health condition and getting puzzled whether you can get a health insurance. The answer is yes, the only thing required is to make honest and proper disclosures.

The insurance company will then assess the risk associated with your profile and then decide on terms & conditions and the premium to be charged for providing you a health cover. The premiums charged will be higher and a waiting period will be applied for covering your pre-existing diseases. Moreover, if you are seeking an immediate coverage on your deteriorating health condition, you may go for a critical illness policy.

Conclusion:

Smoking makes an adverse impact on your health and your health insurance policy as well. An insurance company will charge you a higher premium in proportion to the risk associated in providing a health cover. An important point to note that you should disclose all relevant information regarding your health and smoking habits. In case, you are found hiding or providing fake information, the insurance company may decline in settling the claims.

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I’ve Been Very Hopeful About Having a Full Head of Hair Again

In no way was I ever a vain person in all of my life, but that seems to have changed a bit. I’ve been casual and laid-back about the way that I look and behave over the years. My hair began falling out little by little, and that was very bothersome for me to the point that I began looking for a product that might help me experience some hair regrowth and I know they exist. I have read about some great ones that can do just that and they are natural. I found something that I like, and I feel good about using it because it is natural. I feel even better knowing that it works firsthand now.

I was pretty good looking in my younger days. Unlike a lot of other good looking people, I took it in stride.Continue Reading

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What Do You Know About Reviews

Advantages Of Anabolic Steroids

Anabolic steroids are substances that often contain the male sex hormone which is usually responsible for growth of muscles and also increase proteins within the body cells. Anabolic steroids were essentially created with the point of improving sexual execution in male people however throughout the years it has been referred to have extra advantages, for example, building bigger and more grounded muscles this is on the grounds that the steroids contain testosterone hormones which is in charge of building bigger and more grounded muscles and is additionally utilized by sportsmen and ladies to upgrade their muscles as it makes the muscles seem more bigger and more grounded.

It is additionally accepted to lessen abundance muscle to fat quotients this is on account of the steroid advances quality and perseverance in people along these lines they can have the capacity to work out for a more extended time and this thus comes about to consuming of muscle to fat quotients in this manner shading off overabundance muscle to fat quotients. Anabolic steroids are also believed to increase body mass in sportsmen which is very important for most sportsmen as different sports require one to have a certain body mass to allow them to effectively perform in such sports for example body builders are required to have body mass that will allow them endure the type of sports they want to engage in.

Anabolic steroids are also believed to increase red blood cells production this is because red blood cells are responsible for carrying oxygen to different parts of the body and it is also used by patients who suffer from anemia so as to promote circulation of oxygen within their bloodstream. It moreover progresses smart recovery in individuals who get hurt especially for contenders and other sportsmen who take part in amusements and this is the reason they routinely recover from wounds snappy as it quickens the path toward retouching in body tissues, therefore they can retreat to sports inside a concise time period.

It similarly enhances the visual appearance of individuals especially in men as they tend to appear to be more prominent, with more muscles and moreover body weight and this along these lines gives a male individual an all the more manly look as repudiated one who does not take the steroid. Anabolic steroids are in like manner acknowledged to update the appetite of people especially the ones who have restorative conditions and they can’t have the ability to eat food for example people encountering HIV as often as possible have poor longings accordingly the association of anabolic steroids ensures that it enhances the craving of a man thusly improving their supporting affinities and this in this manner makes one have a strong body.

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Lessons Learned from Years with Treatments

Some Information about Anti-aging Therapies

Staying young forever is a dream for all of us, but sadly, we know that aging is inevitable even though we have technologies available for us to take. It is a fact that when we reach our adulthood stage, we can already feel the pangs of aging. On the other hand, we can slow down our aging process by looking into the possibilities that studies would lend us a hand to apply. In some conditions, there are many anti-aging therapies that can reverse signs of aging nowadays. If you want to effectively control and reduce the effects of aging, using the best natural treatment methods are the most efficient. These natural methods come in utilizing natural ingredients, called age management therapies, and implementing these will promote the delay of aging in our body.

With the use of these kinds of therapies, there will be an improvement in your current health condition and consequently slow down the aging process of your body. The two therapies that are mostly used nowadays are the bio-identical hormone therapy and growth hormone therapy. The therapy that utilizes hormones that are identical to our human body is the bio-identical hormone therapy. The hormones used in this therapy are estrogen and progesterone for women and testosterone for men. Depending on the person’s needs, your doctor will prescribe the dosage of these bio-identical hormones if you will undergo the age management therapy.

Bio-identical hormone replacement therapy has some of the following benefits, and these are the restoration and achievement of sound mental functioning, help in having a youthful sleep, reduced wrinkle formation, enhancement of immune function and many others. On the other hand, growth hormone therapy utilizes the growth hormone that is found in the natural secretion of the pituitary gland. As the name suggests, the healing hormone makes the aging or deterioration of adults heals and stops.

You would experience further benefits when undergoing hormone replacement therapy in the matters of cardiovascular function which will be increased, lung function and capacity will be improved, healing of wounds will be improved, there is a restored youthful immune system, the person’s sexual performance will be enhanced, and there is a general increase of the physical and physiological well being of the individual. It is clinically proven that these therapies are effective to both men and women, thus it is not necessary anymore for you to undergo plastic surgeries which are painful just because you want to have the youthful look. When getting old is becoming a concern, the best solution is said to be the
natural way.

It is suggested that any hormone therapy that you want to undertake should be after a thorough discussion with your doctor.

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A Simple Plan For Investigating Resources

The Important Points to Learn About Mental Toughness

For the past years, I had this chance to coach and work with a whole heap of players and one thing that I can really share to you without any reservations is that all of the best players were all mentally tough. It is certain a hard concept to talk about, but then again, if you see one yourself, then you will know it right away. And to clear my point, not all of the renowned athletes are mentally tough. And not all of the players in a league are mentally tough and there are even a whole heap of players who were not able to enter any huge leagues and are mentally tough. It is not all about the ability of the player, I was able to work with a great deal of remarkable athletes who did not have any idea about being mentally tough and would just discover it once they are placed under great stress or pressure. They can perform well if there is nothing on the line, but then again, if the game is somewhat equal, they have a tendency to usually fail.

But then again, I have also witnessed a whole heap of players who only possess average skills, on the other hand, are incredibly mentally tough and were able to perform in ways that not a single person thought they could do. A great defensive, a key blunt, a clutch hit play that halt a rally, the mentally tough players were able to do a great job. In fact, the bigger the pressure that is placed on these mentally tough players, then the better they tend to perform during competitions.

One thing that I was able to realize with experience is that mentally toughness is not something that is embedded on the genes of a certain individual, on the other hand, it is something that you develop as time goes on and exposure to various adverse conditions. Preparation for mentally toughness starts with experiences at a very young age. Without a doubt, the parents play a crucial role to start the process of mental toughness training, on the other hand, they necessitate help along the way. An orderly educational system that has good classroom rules and high expectations, along with tough, but then again, fair mentors or coaches with a positive mindset is important to having a child who is mentally tough regardless whether they are an athlete or not.

This is one of the many reasons why it is vital for all the kids to be involved in a well-balanced organization of extracurricular activities at their very young age.

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Smart Tips For Finding Experts

Typical Massages Available in Massage Parlors

Taking the time to calm and rejuvenate oneself is one thing that each and every single one of us is in dire need of at least once in a while. One of the most convenient ways to achieve that is to go get a massage. Considering there always is stress and anxiety in life, we all deserve a massage in order to at least give us relief from that stress.

But one thing you need to understand about a typical massage is that it isn’t just for relieving stress as it also is proven to be very helpful in treating back and muscle pains. There even are claims that some types of massage can help in lowering blood pressure and improve blood flow.

So we bet you already are convinced that getting a massage is something you definitely one of these days, and once you experience it, you will definitely want more later. So right before beginning your search for a good massage, it makes sense if you first know what the different types are.

1 – Back Massage

A simple back massage is something you can get from all massage parlors and it obviously is the quickest way to release that stress in your mind and body. Back massages help you become more relaxed in just thirty minutes, but you also can request for the session to be longer, say about an hour.

2 – Aromatherapy

This massage type meanwhile utilizes the benefits of aromatherapy oil. While the basic type relieves you of stress, this one takes you to another level as it can actually provide energy. And the best part of it is that depending on the kind of mood you’re in, you actually can choose a very specific oil for the massage session.

3 – Swedish Massage

No doubt the most obvious reason why a Swedish massage is a favorite by many people is the fact that it involves the whole body. Also, it is very similar to aromatherapy for the reason that it also uses oils and lotion.

4 – Shiatsu Massage

A shiatsu massage meanwhile is another popular type that’s been in existence for centuries now and is available in literally every corner of the world. It is on the other hand very distinct to the rest of the massage types due to the involvement of acupuncture. It does not necessarily have to include the use of needles or sharp objects, but it does focus on particular body points to provide healing benefits.

Hot Stone Massage

Lastly, there is something we call as hot stone massage in which instead of relying on the hands of the therapist, hot stones are used and placed on certain parts of the body, the main purpose of which is to provide total relaxation to the stressed and strained muscles.

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Businesses – My Most Valuable Advice

Spa Massage For The Mind, Body And Soul

In this busy life, the only thing we need is to have a relaxation time. However, it does not mean that such issue cannot be resolved. Remember that life is only once, and that time is gold. There are too many options on doing this right. One is to obtain a spa massage. This method of relaxation can make you feel stripped of your troubles, relaxed and free of tension.

Actually, the spa massage accomplishes more that would tend to ease the pressure and tension in tired muscles; even though it certainly does accomplish that as wellIt also improves blood circulation and decrease any uncle or joint aches you may be suffering in no time.In turn, this will help you in sleeping better and keep in mind that you will have a healthy day ahead to have a good night sleep. Depending on the spa you choose for your spa massage they may use superb essential oils in order to help you relax and ease the pain.Essential oils, which is the basis of aromatherapy, help to relax a person further as well as help to diminish the pains and aches. You may also feel relaxed due to the healing power of the massage music playing while the therapist is massaging your body. All this is designed to boost the way you feel and ease the pressure and tension.

When you choose the right spa massage, you will realize that it is not just about simple rubbing of the back. The massage, be it Swedish or shiatsu, will assure you that the techniques used by the professional will work to alleviate your tension by rubbing deep the tissue in order to get rid of pains, aches, and stress. This means that your face, feet, and hands will also be included. If you are on of those people who need a haven to be free from stress, you should go to a spa massage. In other words, when they go home they are re-energized and relaxed and is ready to deal with their partners and kids with a renewed sense of patience and well-being.

Too many people can benefit from having a spa massage. There are spas who offer coupon codes, promotional cards, and gift certificates to give to your loved ones and friends, and of course this is true for employers who would love to give it to their employees. Since it is incredibly beneficial to you, you may find that this gift will be appreciated and that you will come back looking for more. While they are always open, there are others that has limited hours, if you want to avail the service, you may book ahead. Unlike before spa massage has become a trend in today’s modern world. It is not practical to go to a physician all the time you feel very tired and exhausted or when your body feels worn-out. Spa massage has turned out to be one of the best options to the traditional medicine.

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Doing Exercises The Right Way

Health And Fitness: Tips You Need To Consider

For one to be healthy and fit, he or she must be committed to having a healthy lifestyle. When it comes to being healthy and fit, it needs a lot of commitment as well as hard work in order to achieve the goal. Many people want to be healthy and fit but end up failing because of lack of discipline as well as commitment. It is best if you understand this very well. The truth is that starting with a new lifestyle can be difficult but later on, you will get used to it and find it easy in the long run. Someone who is responsible enough to do it as well as use self-control can achieve this goal.

If you want to know the path towards fitness and health, then read on for some tips. Make sure you read all of the tips. Later on, you can realize that doing it is actually easy. Make sure you read until the end of this article for more info.

The first thing you need to consider is eating the right type of food. To be fit and healthy, you need to get rid of all those foods that are making you fat or unhealthy. If you really can’t help but crave for those foods, most experts would advice that you just take a bite of it. You have to be careful with your actions when it comes to fitness and health. Perhaps doing a calorie counting on your diet can also help a lot so that you can control the amount of food that you eat everyday. Depending on your doctor’s advice, you can eat less in a week. It is hard to do the fitness and health plans all by yourself, that is why you need to ask for some advice from a health professional.

The goal is for you to be able to cut down your cravings for those food that are not healthy. The reason why some people find it hard to reach their goals is because they are making it not realistic for them. So next time you make some goals, you have to ensure that you can do them.

The other fitness and health tip that you need to know is doing regular exercise. The good thing about doing regular exercise is that you get to burn those fats in your body that has deteriorate your body shape. You can hire a personal trainer to help you get a good exercise routine. For better results, it would be best if you hire a professional and experienced one. The best personal trainer for fitness and health that can help you is one is reputable and famous. This means that the person is known to help people achieve their fitness goals.

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Lessons Learned from Years with Massages

Benefits of Massage Therapy

The massage industry in United States alone is a booming industry given the benefits it can bring to us, especially for busy people meeting deadlines and under constant stress and pressure. Massage therapists use different massage techniques in helping people overcome health conditions such as anxiety, arthritis and fibromyalgia. Massage therapy is a growing industry as found in popular places such as spas, hotels, yoga studies and chiropractic offices. Massage therapy is the manual manipulation of muscular structure, connective tissue, ligaments and tendons used in relieving muscle stiffness, joint pains and other body pains.

Massage therapy has proven benefits including lowering blood pressure or controlling hypertension, relieving stress, depression and anxiety, controlling diabetes, strengthening immunity, regulates hormones, cessation of smoking and preventing sports injuries. Massage helps in proper blood circulation, that is helpful in delivering oxygenated blood to various parts of the body, leading to improved functioning and release of good hormones to improve mood and brain functioning. Massage also help in releasing muscle tension, joint stiffness, correct body posture and balance. Massage touch and proven techniques do not only sooth the muscles, but also relaxes the body and calms the mind. Popular massage techniques include pricking, stroking, tapping, kneading, compression, rocking, cupping, vibration, friction, and pressure to muscular tissue and organs using oils, powders and lotions.

Popular types of massage include Shiatsu massage, Swedish massage, Thai massage, deep tissue massage, sports massage and prenatal massage. Swedish massage is considered as the most popular type of massage worldwide, which involves stimulation of blood circulation using five basic kneading strokes, all flowing toward the direction of the heart. The indication of deep tissue massage helps in treating chronic muscular pain, reducing of inflammation-related disorders like arthritis and rehabilitation of joint and muscle injuries. Thai massage is performed on a firm mat that uses positions and knead for stimulation of organs and tissues according to certain energy lines. It has been shown in studies that prenatal massage can help in safe childbirth, reducing discomforts of pregnancy like back and leg pains, and it is usually done while the mother is positioned to her side. Sports massage helps in warming the bodies of athletes before full workout, improves blood flow as well as prevents sports injuries.

Massage therapy is one of the best ways to treat your body from all the stress of everyday work. Spas and fitness centers integrate massage with yoga for enhancement of health benefits and overall well-being. If you’re looking for the best place for massage therapy and yoga, we can definitely help you find one in Foslom, CA.

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Overwhelmed by the Complexity of Doctors? This May Help

Why it is Important to Conduct Regular Eye Checks Special types of doctors who handle problems related to the eyes are known as optometrists. Eyes should be taken care of well as they are critical to the body. There are a variety of functions performed by these doctors, from eye checks to surgeries. Visiting optometrists at least twice a year is recommended. It is necessary for people with eye complications to increase the frequency of their visits. People can always find optometrists from the various hospitals. This is to ensure that clients get to select the one they feel most comfortable with. With the help of optometrists, people get to understand their eye conditions. They can identify defects that the eye is developing with the help of their machines. They are able to avoid blindness as the conditions will not be left to worsen. They also give a lot of advice to their clients on ways in which they can protect their eyes. For those who are suspicious that their eyes may have some problems, the optometrists help them understand how their eyes function. The society gets to benefit a lot as frequency of eye problems is reduced. The decision on whether or not a person should acquire spectacles should be placed in the hands of optometrists. The optometrists will guide them on the type of lenses they need to purchase. Whether they only require correction lenses is also made known to them. Before going to an optician, people should consult an optometrist. Parents should also ensure their children are taken through eye checks so that they are not forced to wear spectacles all their life.
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There are conditions that when not handled in time, cause damage to the brain. For these conditions, the optometrist will conduct surgery on their clients. The clients will therefore not have to frequently treat their eyes and buy medication. They will as well not let the infection spread thus protecting themselves. The help of other doctors is normally required by optometrists when performing these surgeries. Opthalmologists and optometrists usually work together.
A Simple Plan: Experts
There is a rise in the cases of eye problems due to several environmental factors. People should ensure that they have an optometrist in order to stay safe. It is important that they stick to an optometrist so that they can monitor the progress of their eyes. This ensures that a greater part of the population is not put at risk. Optometrists are usually brought aboard during medical programs. There is thus no reason not to have an eye check. These programs are normally free and a lot of information is issued. Those who care about their eyes and do not want to put themselves at a risk of going blind should ensure that they attend regular eye checks.

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Getting Creative With Resources Advice

How to Find a Sanitation Consultant

Each one of us should know right sanitation. Having no appropriate sanitation, we will all get sick. Though we know basic hand washing, being able to know the right way to do it is very helpful. It is advisable that you seek advice from a sanitation consultant to help you the proper sanitation. It’s because sanitation consultant can give you complete info about it as they are trained and also educated with that kind of matter. Searching for a dependable one is not that hard to do. In order for you to find a reliable sanitation consultant, make sure that you read all of the given tips below. They can be of great help in finding for the best sanitation consultant.

The primary thing that you must do is to research online. The World Wide Web is home of thousands of information regarding anything. You can always find info with regards to sanitation consultant most especially if you do online research. In order for these sanitation consultant to let the whole word know about their services, they will going to have their very own website. It is complete vitally important to choose a website that has a lot of information, like for example: contact numbers, email address, business address and so much more. Moreover, see to it that your chosen website will provide easy to use website, photos or even links of their successful work and then customer’s page. The client’s page will allow you to check if such sanitation consultant has a lot of happy clients in the past. Always remember to choose a website that has numerous positive feedback or perhaps reviews from previous clients. In case you read a lot of positive comments or reviews, this only means that the consultant is a very good one.

Another excellent way to find a reliable sanitation consultant is to ask recommendations from loved ones as well as friends. You will able to trust them as they also want you to consult from the best sanitation consultant just like them. You need to keep in mind that it’s very essential to contact the consultant who’s recommended by many of your friends or loved ones. Inquire about what type of consultation they can offer, the payment and many more. Make sure that they explain to you all the necessary information. The best sanitation consultant can give you complete info and won’t left you hanging.

The tips are very useful so make sure that you follow them in order for you to get the ideal sanitation consultant available. You can surely locate your own particular sanitation consultant if ever you follow the above given tips. Sanitation consultant are here to guide all of us on proper sanitation. Therefore, it is very important that you hire the best one.

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