8 Tips to Keep in Mind Before Buying a Health Insurance Policy

Choosing the right health cover is an important decision as it provides you a sense of security by offering immediate medical assistance in case of an emergency. However, there are many people who buy the policy as per their agents’ advice and don’t bother about their personal requirements. To them, it is advised to keep … Continue reading “8 Tips to Keep in Mind Before Buying a Health Insurance Policy”

Choosing the right health cover is an important decision as it provides you a sense of security by offering immediate medical assistance in case of an emergency. However, there are many people who buy the policy as per their agents’ advice and don’t bother about their personal requirements. To them, it is advised to keep in mind the following 8 tips while choosing a health cover:

Tip 1: You must always purchase a health insurance policy no matter whether or not your company offers you a corporate health cover. There are times when you quit the job or your company decides to withdraw the benefits or provides a cover that is not fit for you, in these cases your personal health cover may benefit you. This becomes more important if anyone in your family is suffering from a chronic disease.

Tip 2: Always choose the right amount of sum insured. If you are living in a small city, your health cover should be around 3-5 lakhs whereas if you live in a metropolitan city, your health insurance cover should be no less than 5-10 lakhs. Don’t purchase a new plan; instead port it to get maximum benefits out of it. When you port the plan, the benefits which have been already accumulated in your old plan get transferred in the new policy. Also, keep upgrading your health cover from time to time to take care of your medical inflation.

Tip 3: Buy a health insurance cover as early as possible, especially before you reach in your 40’s. This is because, you are less likely to make claims in early stages of life and can later reap the benefits of no claim bonus and add up to the original coverage every claim-free year.

Tip 4: Always purchase a cover that offers lifetime renewability. This way you will have a health cover at the older age – the time when you have a major health problem and that protection is possible only if your policy offers lifetime renewability.

Tip 5: Buy a policy which gives you restore limit just in case you fully use your sum assured. This will act as a backup cover in an unforeseen critical illness which may be very expensive to manage. For example, Rs 3 lakh plan with Rs 3 lakh restore limit almost gives you Rs 6 lakh cover for critical illness at no extra cost.

Tip 6: Always purchase a health cover through a reputed agent who can help you with claims too in future. For this, you can seek help of online websites to select a plan or examine features but only buy the health cover through an agent or company which has the ability to help you with the claim or offer easy claim settlement procedures.

Tip 7: Always provide the right and true information in your application form. If you suffer from any disease or illness, don’t forget to mention it in your application. You can seek the help of an agent who can assist you in getting the right plan which will cover the disease even after a waiting period. Presently in most policies all preexisting diseases get covered after 3 to 5 years.

Tip 8: Buy the policy with no or minimal sub-limits. Keep an eye out for plans with offers a cap on hospital room rates. This way save your money and give you a sense of relief too.

Health Benefits

Although truffles are very costly, there are now many more reasons to eat it apart from the truth that it is very exciting to eat a delicacy. One of these reasons is you are consuming truffles because these may bring you health benefits.

Through the years, contentions have been hounding the health benefits and nutritional value of truffles and mushrooms, generally. People say that edible mushrooms like truffles have no nutritional value at all and these are used just to add flavor to a selection of staple dishes.

Yet, more recent reports show that truffles and various sorts of mushrooms can bring a great deal of health benefits especially to vegetarians, individuals who don’t eat meat and only consume vegetables.

Technically, truffles are mushrooms that don’t have stems and are usually discovered under the ground-usually under oak, pine, beech, and pecan trees mostly in Europe including various parts of Italy, France, Slovenia and Croatia. In Asia, some varieties are located in China along with in Middle East while there are also some types native to North Africa.

So far, truffles are used only in the culinary field-as main ingredient to various dishes or as flavoring and garnishes to different specialties. The most frequent gourmet edible truffles that are being employed in various restaurants include the French Black Truffles, the Italian White Truffles, the Chinese Truffles, and the Summer Truffles.

If you are fond of eating truffles and mushrooms generally, here are the some of the health benefits that you are able to expect:

1. It is a good source of high protein. Truffles have high protein content ranging from 20 to 30 percent for each serving. Experts say that truffles are excellent sources of high protein content which it very ideal because these contain all the amino acids necessary to good nutrition for humans. For people who don’t consume fats and carbohydrates- specially to people who are having Western diets-truffles are very ideal since it is a fantastic source of protein.

2. It is in addition a moderate source of carbs. The main element of truffles and mushrooms in the main is carbohydrates derived from glycogen and chitin or also called the fungus cellulose which is a functional proponents of the fungal cell wall. All the same, compared to other vegetables, truffles have lower proportions of carbohydrates. This is in addition very good for people suffering from diabetes because truffles have low value of energy.

3. It is low-fat. As it is vegetable, truffles are ideal for individuals who cannot and do not want to consume too much fat. When dried, it has only about two to eight percent of fat which are mostly crude fat and lipid compounds such as fatty acids, sterols, phospholipids, glycerides and linoleic acid.

4. It is cholesterol free. This is probably the largest benefit to health of truffles. Through the years, cholesterol has been thought to be of the risk aspects of coronary heart conditions and other associated diseases. If you are inclined to stroke or heart attack or you have a family history any heart complaint, it would be great to consume cholesterol free food such as truffles to help you decrease your total cholesterol levels.

About Health Screening for Women

Taking care of yourself is very important. Although it is true that due to work and personal commitments it is often neglected due to lack of time, you need to make time for a regular check-up with your doctor. Generally in the modern age, people tend to get so caught up in their duties they forget that they burn out. This can be quite dangerous as some illnesses do not really show themselves and can go unnoticed for a very long time, by the time which it would be too late to treat it effectively. Another reason people tend to postpone or avoid doctor’s appointments is lack of finances. Medical care can be ridiculously expensive, however if you have an appropriate cover this will be less of a burden on you. In fact, heading for a regular health screening every so often can assist in cutting down your medical costs in the future.


If you are unfamiliar with what a health screening is, it can be very helpful to research and get as much information as you can about the subject. They have been known to save lives through detecting diseases and illnesses early on and enabling people to explore and decide on their treatment options as time is on their side. It can be traumatic to make decisions of literally life and death and especially agonising when these decisions need to be made quickly. A health screening conducted in advance will allow to buy yourself more time which can lead to far more effective medical decisions. As they say, ‘prevention is always better than cure.


Women tend to neglect any ailments and illnesses especially if they are single parents. Due to the constraints placed on them balancing family life and a career, often times they are so busy looking after everyone else that they tend to overlook themselves. A health screening can be specific to males and females and focused tests can be carried out for a more comprehensive look. Women have some compulsory examinations which are actually very important. Some of these include breast cancer for which you should have your first health screen from the age of 20. Especially in cases of breast cancer (or other types of cancer), early detection has increased survival rates drastically and prevented these cancers from spreading into vital organs such as the lungs or brain. Another is cervical exams that can help locate not only cancer of the area but other abnormalities as well.


As there are many different types of health screenings that are available, usually a doctor will sit with you and discuss recommendations for you to choose from. Often times, the criterion remains the same as the basic requirements such as age, health and gender are taken into association. The other is if you have a hereditary condition which increases your chances of developing a disease as the gene has been present in your bloodline, for example diabetes. A health screening will enable the doctor to analyse how prone you are to contracting it and what precautionary methods you need to employ.


Although a health screening benefits both men and women, as women fall pregnant and give birth, they could run the risk of passing on diseases to their children unknowingly. A health screening can not only assist the mother but also the baby, and allow them to work collectively in order to minimise the effects. The doctor will be able to assess the chances of it passing onto the baby and work accordingly from there. We need to make use of the advanced medical care we have in the world today, as a few years ago this was not possible and many suffered because of it. Book an appointment with your doctor as soon as you can.