Health Insurance for Senior Citizen

There is a proverb, ”Health is Wealth.” If you are healthy and fit, you are wealthier than all. Stay fit and healthy is a blessing but now a days it is very difficult to maintain and stay fit as the climate is changing, pollution is increasing, do not have purity in vegetables and fruits, work pressure, lack of mental peace, etc. We all fall in ill and pay a good amount of medical expenses. Sometimes these medical expenses reach so high which is beyond our budget.

After retirement, everyone wants to live a happy life without stress but growing older tends to attract ailments and contraction of diseases. As we are getting older; our immune system becomes weak. Old age makes you prone to illnesses. On the other side, the cost of healthcare in India is increasing at 20 percent every year, which is more than double that of overall inflation. And I think at this age, people have a limited source of income so it is very difficult to meet the medical expenses for them. This situation is very tough for the family’s breadwinner also. This adds to the ill and aged person’s guilt, making them feel like a burden to the family. To fight with all these problems, health insurance for senior citizen is a very good idea. With the increasing costs of medical treatments, health insurance is necessary for all. 

Health Insurance for Senior Citizens in India is particularly designed for elderly people. By opting for such a plan, you can live without tension from any future medical emergency. There are lots of health insurance companies in India who provides an ample range of health insurance plans for senior citizens. You can choose as per your requirement and as per your budget.

Who is a senior citizen?

Senior citizen health insurance is designed for individuals between the age group of 60 years to 80 years of age, though it varies between insurance companies. This type of health insurance can also be availed by children for their aging parents. Gifting health insurance to your aged parents or senior citizens in the family is the best way to care for their needs.

Key Features of Health Insurance for Senior Citizen

  • No need for any pre-medical test before buying a health plan
  • Health insurance for senior citizens offers free-look period
  • Cashless Hospitalization including doctor’s fees, medical bills, room charges, etc.
  • Annual health check-ups also covered
  • Day Care expenses covered if special medical equipment uses during dialysis and chemotherapy procedures
  • Ambulance charges are covered
  • You can avail tax benefit on insurance premiums
  • Pre and Post hospitalization expenses are also covered but under terms and conditions
  • Faster and hassle-free claim settlement for senior citizen
  • The plan also covers pre-existing diseases once the due waiting period is over

Exclusions of Health Insurance for Senior Citizen

It is a common mentality that if we buy an insurance policy than everything is covered under that policy but it is not correct. There are always some exclusions of every policy. Here are also some exclusions of health insurance for senior citizen which are not covered under policy-

  • Any pre-existing injuries/diseases
  • Treatment cost of HIV/AIDS/STDs
  • Any diseases diagnosed within 30 days of availing the policy
  • Any non-allopathic treatment
  • Expenses arising out of self-inflicted acts
  • Drug abuse-related treatments
  • Cost of lenses/spectacles
  • Cost of Dental Treatment
  • Cosmetic Treatment and Surgery, joint replacement but there are some conditions
  • Treatment expenses of injury caused due to civil war or act of foreign army, etc.

Some important points when buying Health Insurance Policy for Senior Citizen:

Buying the best health insurance plan is a very difficult task. There are a lot of health insurance companies in India who provides the good plans and their services. Out of these providers, choose the best one is not a little task. Here are some important points when buying health insurance policy for senior citizen.

Research and Analysis: – This is highly recommended that before choosing any plan or any company, please do some research online or with an individual. Search some websites or visit their offices, do some comparisons of companies and their plans, see customer’s review, talk to your known who already have an insurance policy, see the claim settlement ratio, etc. These all points will help you and guide you to buy the best health insurance policy for senior citizen.  

Network Hospitals: – This is also one of the important points. Do check with the insurance company about their network hospitals; check whether these hospitals are around you and confirm whether they include the services that you often come across. Network hospital provides you cashless facilities.

Sub-limits on hospital expenses: – Check the sub-limits also on hospital expenses. Sub-limits usually a percentage of the sum insured value which insurance company paid against hospital expenses. Expenses could be any like doctors’ fees, surgery/operation charges, nursing expense, medicine cost, room rent, etc. We can call it capped system. Suppose a person has a policy of ₹ 5 Lakh and room charges is capped with 1% of insured value than that person can avail room up to ₹ 5000 which is 1% of insured value. If a policy-holder avail room rent more than ₹ 5000 then the excess amount will be paid by policy-holder only. 

Waiting period: – In Health Insurance policy, no disease gets covered during the first 30 days from the commencement of any policy, only the expenses against accident gets coverage from day one. Further, some diseases are covered only after the expiry of a specified period. We should take this point also in consideration. Choose a plan with a lower waiting period so that the insurance cover can come in handy.

Individual policy for parents: – It is recommended to take an individual policy for senior citizen in the family floater plan. Do not include other family members with them because of the premium under family floater scheme basis the eldest member who is covered in the plan. Even the highest renewal age is fully dependent on the covered eldest member’s age. It means whenever the eldest member’s age is fissured, every member in that policy will lose the cover. There is one more possibility in floater plan; the sum assured value could be utilized by parents in one claim while the entire family shares the sum assured value. So it is good to take individual health insurance policy for senior citizen.

Co-payment: – It is typically a mandatory feature in all senior citizens health insurance plans. Co-payment means Insurance companies will not bear 100% expenses, policy-holder also bear a part of the medical expenses. Co-payment will be applicable primarily on three things – Specified ailments, specified hospital charges, and treatment hospital. Co-payment is usually a minimum of 20% of the claim amount. However, some insurers offer a reduction in co-payment for every renewal.

These are some important and basic point while selecting a health insurance policy for senior citizen. Make ensure about specific medical conditions that you or your family members are more prone to, based on family history, are at least covered. Always compare and evaluate some plans based on their features, premium, and facilities. And the most important points; disclose everything in truth, all your pre-existing ailments for smoother claim management, as non-disclosures may lead to a repudiation of a claim.

Free To Hit is a social site where you can get many information. You can read this blog here also to click Health Insurance For Senior Citizens

Obesity: Myths & Facts

Obesity is most common problem all over the world. More than one third of the world’s populations are suffering with this problem. The number of obese people in the world total is approximately 2.1 billion. There are numerous health risks, including higher risks of diabetes, heart disease, fatty liver disease, kidney disease, and even certain types of cancer and over 3 million people each year die from obesity. The worldwide obesity rate has tripled since 1975 and there is only one reason that is bad food habit.

Every day, obese people have lots of questions about – what to eat, how much to eat, when to eat, and how much physical activity you need to be healthy?  There are lots of myths but the fact is different. The below information may help you make changes in your daily eating and physical activity habits so that you improve and maintain your healthy life.

Myth: You should avoid all fat foods if you’re trying to be healthy or want to lose weight.

Fact: You do not have to avoid all fat foods as fat provides essential nutrients and should be an important part of a healthy eating plan. Because fats have more calories per gram than protein or carbohydrates, you need to limit fats to avoid extra calories. You can eat small amounts of food with healthy fats, such as avocados, olives, or nuts. You can also use low fat version of cheese & milk and olive oil instead of butter in cooking. You can consume less than 10 percent of your daily calories from saturated fats and try to cutting back on solid-fat foods.

Myth: Do not use Dairy products as Dairy products are fattening and unhealthy.

Fact: Dairy products are an important food group as they are rich in vitamin D which helps to build muscles and strengthen bones. You can use fat-free or low-fat dairy products such as milk, yogurt and cheese that have low calories. If you can’t digest lactose, the sugar found in dairy products, choose fortified soy products, lactose-free or low-lactose dairy products, or other foods and beverages with calcium and vitamin D. You can get calcium from soy-based beverages or tofu made with calcium sulfate, canned salmon, or dark leafy greens such as collards or kale and vitamin D from cereals or soy-based beverages.

Myth: You cannot take grain products such as bread, pasta, & rice that are fattening. You should avoid them when trying to lose weight.

Fact: No, grains themselves aren’t necessarily fattening or unhealthy. The whole grains are healthier and better than refined-grain products and may help you feel fuller. Examples of whole grains include brown rice and whole-wheat bread, cereal, and pasta. Whole grains provide iron, fiber, and other important nutrients. At least half of the grains you eat should be whole grains. Try to replace refined or white bread with whole-wheat bread, refined pasta with whole-wheat pasta and white rice with brown rice.

Myth: Choosing foods that are gluten-free will help you eat healthier.

Fact: Gluten-free foods are healthier if you have celiac disease. Gluten is a protein found in wheat, barley, and rye grains. A gluten-free diet is not a weight-loss diet and is not intended to help you lose weight.

Myth: Vegetarian foods will help you lose weight and be healthier.

Fact: A study shows that a healthy vegetarian eating plan may be linked to lower levels of obesity, lower blood pressure, and a reduced risk of heart disease. Eating small amounts of lean meats can also be part of a healthy plan to lose or maintain weight. Some vegetarians may make food choices that could lead to weight gain, such as eating a lot of food high in sugar, fats, and calories.

Myth: Physical activity only counts if you do it for long periods of time.

Fact: No, it is not correct; you don’t need to be active for long periods. A study shows that you can spend 2 hours & 30 minutes of moderate-intensity physical activity each week. An example of moderate-intensity activity is brisk walking. You can spread these sessions out over the week and even do short, 10-minute spurts of activity 3 times a day on 5 or more days a week. While at work, take a 10-minute walking break, use stairs instead of an elevator, get off the bus one stop early or meet a friend for a walk instead of a meal. All these small activities will definitely help you.

Myth: Lifting weights is not a good way to improve your health or lose weight because it will make you “bulk up.”

Fact: Lifting weights or doing other activities 2 or 3 days a week that may help you build strong muscles, such as push-ups and some types of yoga, will not bulk you up. Only intense strength training, along with certain genes, can build large muscles. Like other kinds of physical activity, muscle-strengthening activities will help improve your health and also may help you control your weight by increasing the amount of energy-burning muscle.

Food and beverages provide the energy and nutrients you need to improve health, manage disease, and reduce the risk of disease. Always remember, to reduce your diet and doing excessive exercise, cannot reduce your weight and might be you will catch some other problems. A healthy diet and disciplined life can lead you to your goal.

Free To Hit is author of this blog and you can read this blog at Obesity: Myths & Facts

Help Poor People to Improve Their Life

If you want to live a meaningful life, then you should live for others. That does not mean that you will forget your life. Essentially, that would mean that you have to learn to make lives better.

For that, you need to make the world a wealthy place. Undoubtedly, you can live richly in the rich world. You cannot expect you to be rich in a poor world. Hence, you should help poor people.

Help poor people and find happiness:

There is beauty in helping people. It will make you feel good about yourself because you are not a separate entity from other people on the road. You might have a different name and different culture but deep down you are the same human with fears, hatred, love, and compassion.

Hence, you must connect with the world and people. Getting connected to others can give you psychological strength has ever looked at a happy face? Undoubtedly, this is the most beautiful sign that you can have.

A helping poor people can make you feel satisfied and at the same time, it can give you the meaning of life.

The search of the meaning of life is wrong search:

If you are trying to search for the meaning of life then you are cruising in the wrong direction because it is not important. What is important is that how you live. That means you have to find ways of building better relationships. And that is possible only when you find the relationship by helping poor.

The moment you help the poor, you connect with them and that is something can make you live in a meaningful way. The real meaning of life lies in how meaningfully you live.

You might have millions of dollars but if you cannot help a poor man who simply needs some hundred dollars, then the millions of dollars would not make any sense. Money is created by humans and it should be used by humans.

Hence, you must learn to suet in the proper way. Helping poor people can be the best way to use it. And all you need to do is to use some portion of it. You are not required to make a radical change by spending all your money. All you need to do is to take the first step to help one.

How can you help?

  • You can feed a poor guy and make him feel good about life
  • Yu can give a donation for education for under privileged people. If you can educate a poor guy, they you are creating an intelligent world
  • You can help poor people getting married. In this way, you will make sure that you are making complete sense out of your life
  • You can give clothing to poor people. This would make sure that you make someone live dignifiedly, this could be the most dignified act that you can do

By helping poor people, you will not only make this a cool and beautiful place to live but also make certain that you spread happiness.

It will make you happy deep inside that you need so badly. Money cannot buy happiness but you can certainly make poor people happy. That is probably the only way to buy happiness. Hence, take a vow that you will help poor people and help them in living a better life.

Blog Author : Get do help is author of this blog. You can read this blog also at Help Poor People to Improve Their Life

Table Mountain: One Of The Natural Wonder Of The World

We all know the shape of mountains which is look like a pyramid or a cone but there is a mountain in Cape Town, South Africa which has flat topped, known as Table Mountain. The mountain forms part of the Table Mountain National Park and the height of Table Mountain is 1085 metres. Table Mountain is one of the natural wonder of the world. The level of plateau of the Table Mountain is approximately 3 km (2 mi) from side to side. Two subsidiary peaks are detached from the main mountain: Lion’s Head 2,195 feet (669 metres) to the northwest, declining northward to Signal Hill (Lion’s Rump); and Devil’s Peak 3,281 feet (1000 metres) to the northeast (formerly Windberg or Windy Mountain). To the west, along the Atlantic coast, Table Mountain is framed by a series of peaks referred to as the Twelve Apostles. The highest point on Table Mountain is towards the eastern end of the plateau.

The original name for Table Mountain was “Hoerikwaggo”, meaning “Mountain in the Sea”, given to it by the Khoekhoen. The Khoekhoen was the traditionally nomadic pastoralist indigenous population of southwestern Africa. They were grouped with the hunter-gatherer San peoples. This later changed in 1503, when Portuguese explorer Antonio de Saldanha hiked the mountain (the first recorded hike in history) and renamed it Tabao de Cabo (“Table of the Cape”). The great cross that the Portuguese navigator carved into the rock of Lion’s Head is still traceable. Again the name changed in 1652, when Dutch settlers started referring to the mountain as Tafelberg.

Table Mountain is approximately 250 million years old. It is the northernmost end of a 50 km long (30 mi) and roughly six-to-ten-km wide (4 to 6 mi) Cape Fold Mountain range. In 1796 during the British occupation of the Cape, Major-General Sir James Craig ordered to be built three blockhouses on Table Mountain: the King’s Blockhouse, Duke of York Blockhouse (later renamed Queen’s Blockhouse) and the Prince of Wales Blockhouse. Two of these are in ruins today, but the King’s Blockhouse is still in good condition and easily accessible from the Rhodes Memorial. Between 1896 and 1907, five dams were opened on the back table to supply Cape Town’s water needs; the Woodhead Dam, Hely-Hutchinson Dam, De Villiers Dam, Alexandria Dam and Victoria reservoirs Dam. There is a well-preserved steam locomotive from this period housed in the Waterworks Museum at the top of the mountain near the Hely-Hutchinson dam.

To the south of Table Mountain is a rugged plateau at a somewhat lower elevation at about 1,000 m (3,300 ft) called the “Back Table”. Table Mountain and the Back Table have an unusually rich biodiversity. Table Mountain’s vegetation types form part of the Cape Floral Region protected areas. These protected areas are a World Heritage Site, and an estimated 2,285 species of plants are confined to Table Mountain and the Cape Peninsula range. Table Mountain is also home to porcupines, mongooses, snakes, lizards, tortoises, and a rare endemic species of amphibian that is only found on Table Mountain, the Table Mountain ghost frog. Up until the late 1990s, baboons occurred on all the mountains of the Peninsula, including the Back Table. Since then they have abandoned Table Mountain and the Back Table, and only occur south of Constantia Nek.

From the Southern Suburbs side, the Nursery Ravine and Skeleton Gorge routes start at Kirstenbosch National Botanical Garden. Kirstenbosch is an important botanical garden nestled at the eastern foot of Table Mountain in Cape Town. The garden is one of ten National Botanical Gardens covering five of South Africa’s six different biomes and administered by the South African National Biodiversity Institute (SANBI). Prior to 1 September 2004, the institute was known as the National Botanical Institute.

The Table Mountain Aerial Cableway is a cable car transportation system offering visitors a five-minute ride to the top of Table Mountain in Cape Town. The original construction was awarded in 1926 to the former world-renowned cable way company Adolf Bleichert & Co. of Leipzig, Germany. They took more than two years to build the Table Mountain Aerial Cableway and officially this transport system was open on October 4, 1929. After that the Table Mountain Aerial Cableway has been refurbished three times. The first refurbishment occurred in 1958, the second in 1974, whereas the third, latest and most important reconstruction has been started in 1996, which began operation in 1997 and included a “Rotair” panorama gondola manufactured by the Swiss company Garaventa AG – CWA (Doppelmayr Garaventa Group). After this reconstruction, the capacity of passenger increases from 20 up to 65 and now visitor can take a panoramic view over the city as this cable car rotate through 360 degrees during the ascent or descent. Approximately one million people a year using the Cableway. In January 2019, the Cableway welcomed its 28 millionth visitor.

The Table Mountain Aerial Cableway takes passengers from the lower cable station on Tafelberg Road, about 302 metres (991 ft) above sea level. The upper cable station is on the westernmost end of the Table Mountain plateau, at an elevation of 1,067 metres (3,501 ft). The upper cable station offers views over Cape Town, Table Bay, Lion’s Head and Robben Island to the north, and the Atlantic seaboard to the west and south.

Hiking on Table Mountain is popular amongst locals and tourists, and a number of trails of varying difficulty are available. On an average it takes about 2.5 hours. There are well-documented climbing routes of varying degrees of difficulty up the many faces of the mountain. The main climbs are located on cliffs below the upper cable station. No bolting can be done here and only traditional climbing is allowed. Commercial groups also offer abseiling from the upper cable station. The slopes of Table Mountain have many jeep tracks that allow mountain biking. The route to the Block House is a popular route for bike riding. Plum Pudding Hill is the name of a very steep jeep track. Bike riders should follow the directional signs on display for mountain bike riders.

Fires are common on the mountain due to hot climate. A big fire in 1986, the Cape Peninsula Protected Natural Environment (CPPNE) area was established in 1989. Following another big fire in 1991 and again in 2006 fire was a large fire in and around the Table Mountain National Park in Cape Town. It broke out at approximately 4 p.m. on 26 January 2006 above Tafelberg Road, and spread quickly due to dry conditions and strong winds.

On 29 May 1998, then-president Nelson Mandela proclaimed the Cape Peninsula National Park. The park was later renamed to the Table Mountain National Park. In November 2011, Table Mountain was named one of the New7Wonders of Nature. Table Mountain is one of the most awe-inspiring and iconic attractions. Thousands of tourists are coming every year. The Table Mountain is one of the best tourist destinations in South Africa.  

Free To Hit is author of this blog and you can read this blog at Table Mountain: One Of The Natural Wonder Of The World

Introduce Yourself (Example Post)

This is an example post, originally published as part of Blogging University. Enroll in one of our ten programs, and start your blog right.

You’re going to publish a post today. Don’t worry about how your blog looks. Don’t worry if you haven’t given it a name yet, or you’re feeling overwhelmed. Just click the “New Post” button, and tell us why you’re here.

Why do this?

  • Because it gives new readers context. What are you about? Why should they read your blog?
  • Because it will help you focus you own ideas about your blog and what you’d like to do with it.

The post can be short or long, a personal intro to your life or a bloggy mission statement, a manifesto for the future or a simple outline of your the types of things you hope to publish.

To help you get started, here are a few questions:

  • Why are you blogging publicly, rather than keeping a personal journal?
  • What topics do you think you’ll write about?
  • Who would you love to connect with via your blog?
  • If you blog successfully throughout the next year, what would you hope to have accomplished?

You’re not locked into any of this; one of the wonderful things about blogs is how they constantly evolve as we learn, grow, and interact with one another — but it’s good to know where and why you started, and articulating your goals may just give you a few other post ideas.

Can’t think how to get started? Just write the first thing that pops into your head. Anne Lamott, author of a book on writing we love, says that you need to give yourself permission to write a “crappy first draft”. Anne makes a great point — just start writing, and worry about editing it later.

When you’re ready to publish, give your post three to five tags that describe your blog’s focus — writing, photography, fiction, parenting, food, cars, movies, sports, whatever. These tags will help others who care about your topics find you in the Reader. Make sure one of the tags is “zerotohero,” so other new bloggers can find you, too.

Design a site like this with WordPress.com
Get started