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When buying health insurance plans for your loved ones, insurance companies give you the option of buying either an individual policy, or a family floater plan that covers all of you. Family health insurance plans usually cover the primary insured, spouse and children. While some insurance companies extend the coverage to senior members of the family too, the same is not provided for extended relatives of the family.

The underlying belief about family floater plans is that it is not often democratic in its application. You may not know who would utilize the health cover from your family, in case of an emergency. The chances of all members falling sick or incurring the same kind of damages is low. Hence, the medical costs of one may reduce the coverage amount available for the rest of the family. However, there are still multiple benefits of opting for a single protection plan for your loved ones.

Here is a close look at the benefits of opting a floater medical insurance for family:

  • Lower premiums: To begin with, family floater plans are cheaper than individual policies for members of the policy. For a larger overall cover for multiple people, you pay considerably less in premium amounts than individual medical insurance.

However, there are two cases where your premium rates might be higher:

  1. When proposer’s age is high relative to family members or if he/she has an adverse medical history. The age of the oldest member of the plan decides the premium rates of the policy. In case there are older generations in the family, we suggest opting for separate medical insurance for senior citizens. Similarly, in case there is a history of adverse medical conditions, you can opt for separate critical illness cover.
  2. When accumulated no-claim bonuses(NCB) of non-claiming members make their individual policies relatively cheaper.
  • Convenience: One single medical insurance for family reduces the hassles of maintaining documents and tracking renewals. It is also far less paperwork required than what you would for separate policies.
  • Higher coverage: Since it’s a family plan, there is obviously provisions for higher coverage provided by most insurance companies. And in case of unanticipated circumstances, add-on riders and covers can be opted to make protection adequate.
  • Modification of members: In family floater plans, adding more members on birth or removing them from the policy can easily be done.

While the decision to opt for individual plans or family floater policies is based entirely on your needs and requirements, we hope you don’t discard the idea of securing your child in a single health insurance policy as you.

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To smoke cigarettes is to put your life on a double-edged sword. While one edge will ruin your health and expose you to ailments, the other edge silently reduces the weight of your purses and wallets.

Remember, your smoking habit will not only cost you your health but also the very safety covers you buy and renew annually to protect yourself. We refer to , of course!

When you buy a health policy, you enter into an agreement with the insurer. You pay the premium and in exchange, they will cover your medical expenses. However, there are some precautions that the insurers take before insuring the policyholder.

  • A policyholder’s lifestyle and behaviour provide a good indication of possible health scares or medical ailments.
  • Based on the medical history along with other factors such as age, location, pre-existing conditions, insurers set the premium.
  • Insurers consider smokers a bigger liability than non-smokers and hence charge them a higher premium.

The difference in premium can range from a minimum of 15% to higher limits based on the individual’s smoking habit and health levels.

  • That is a huge amount of money to go for a health insurance premium.
  • A lot of people may not afford it.

To avoid such scenarios, many policyholders resort to not sharing all the facts. However, insurers have a knack to find out the truth.

  • Prospective policyholders under certain age groups and sum insured levels need to undergo medical tests. Insurers find out whether they the policyholders were honest or not.
  • During claim submissions, they may inspect the medical report and ask for further details if they feel the policyholder may have given any falsified information.

If the insurers find out about falsified data during a claims process, it is rejected on an immediate basis.

A quote says, ‘Your bad habits will end up costing you more than it does it to keep them’. It is better to quit smoking than seeing your insurance claim rejected or not being able to afford to one at all.

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Even the most tech-savvy parents need some help on how to raise their kids in this digital age. Here are some effective tips:

LAY DOWN BOUNDARIES

  • Ø Teach your kids how to navigate the digital world
  • Ø Set down ground rules for acceptable use of technology
  • Ø Set a limited screen time and encourage activities beyond it
  • Ø If your kid is under the age of 13, it is better to avoid making their social networking profiles

COMMUNICATE

  • Ø Talk to them about the sites they frequent
  • Ø Ask them about their online friends, activities and media
  • Ø While privacy is important, use monitoring software as a safety net
  • Ø Any monitoring should be discussed openly to build trust in the family
  • Ø Teach them to self-regulate their use of online media and technology
  • Ø Teach them to avoid communication with people they have not met physically

KNOW YOUR DEVICES/APPS

  • Ø Learn how to use parental controls, privacy settings and restricted access options
  • Ø Explore and learn more about the devices and apps your kids are using
  • Ø Know the content of the video games your child prefers
  • Ø Set filters such as ‘spam’ to your child’s emails to filter unsolicited materials
  • Ø Ensure your kids have a low, private profile on social media
  • Ø Prohibit webcams; they instantly transmit non-stop high quality video, and used to exploit minors

SET GOOD BEHAVIOURAL MODELS

  • Ø Teach your kids by example
  • Ø Put down the phone while driving, eating or during family time
  • Ø Be mindful of what you post online about your kids
  • Ø Know when to unplug
  • Ø Curb tech use as a means of punishment
  • Ø Encourage respect, kindness and polite behaviour online, as you would offline
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When it comes to inculcating healthy habits into your life, it always works one step at a time. There are multiple reports and extensive research which prove that in order to live longer you need to make crucial diet, exercise and stress management changes. If you have a family, it is important that everyone follows a healthy lifestyle for the combined improvement of lifestyle. Along with ensuring that your family is secured under a medical plan, here are some other tips you can follow to add nutritional value to your lifestyle:

  1. 1. Fill up on iron<

If you have iron deficiency, it can cause fatigue and depression. In order to keep your energy high and be active throughout the day you need to include foods like oats, lentils, and lean meats into your diet. Iron will also boost your muscle strength.

  1. 2. Soup up everything

Making foods into soups or smoothies is the easiest and most time efficient way to include multiple nutrients in one go. You can make nutritional soups with protein, fats, carbs and vitamin rich ingredients in one bowl.

  1. 3. Get some sun

One highly underestimated way of gaining essential vitamins in your body is by staying out in the sun. The sun rays are rich in Vitamin D. This will stimulate the Vitamin D production in your body.

  1. 4. Have your citrus fruits

It is the season of grapefruit and oranges. These fruits along with red and yellow peppers are said to be high in Vitamin C. This will strengthen your blood vessels and keep your skin looking young.

  1. 5. Eat your greens

Although you might have heard this from multiple people, leafy green vegetables are rich in Vitamin K. These help in smoothening the process of blood coagulation. Vegetables like kale and spinach are vital.

  1. 6. Maintain your teeth and bones

In order to ensure that your teeth and bones are strong, you need to have sufficient calcium in your body. For this you should consume more yogurt, cheese or milk. Most sources of dairy would work.

  1. 7. Immunity building

At the end of it all, your immunity needs to be strong enough. For this have zinc rich foods such as dark chocolate, oysters, spinach or cashews.

  1. 8. Spice up your life

Try and include more spices in your family meals. Spicy foods are known to hike up your metabolism. This will in turn fasten your digestive process.

  1. 9. TV time fitness

If you usually sit as a family and watch a show, make it a practise to add small workouts in the middle during advertisements. This will shake up your body preventing it from getting lethargic.

  1. 10. Reduce stress

You never know if there is some family member who is very stressed out. For this reason, as a practise start adding scents in the form of essence sticks in your home. Scents like lavender work wonders.

  1. 11. Family to-do

Have a family to-do list. This will help everyone stay on top of what they have to do and reduce stress and confusion.

  1. 12. Hydrate

This is one of the most important and efficient ways one can keep their body healthy. Ensure that every family member chugs down a glass of water in the morning. It is also advised to have 8-9 glasses of water the whole day.

  1. 13. Balance

Try out the practise of balancing on one leg for 10 seconds then switching to the other one. This will increasing your agility, balance and mobility.

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Going to the hospital is never a pleasant experience. Everybody tries their best to avoid it but sometimes poor health can compel you to make a trip to one. This is especially common for senior citizens.

According to ‘Elderly In India’, a report by the Central Statistics Office, the total population of people aged 60+ in India is 103.90 million. For a nation that has the world’s youngest demographic dividend, it sure has its share of elderly people.

Poor health is often a recurring aspect of the aged and unless they have maintained a fit and healthy lifestyle and partaken in regular exercise since their youth. However, such cases are unfortunately a minority in India.

That’s why one should always stay prepared for health emergencies. If you are one who has just shouldered the responsibility of a senior citizen, here are a few things you should know.

Hospital visits are Common

As one ages, the body’s immune system continues to weaken. This means a number of illness and ailments will crop up. It could be simple body pain that refuses to go away or health complications that arise from diabetes, whatever be the case, you be prepared to make multiple trips to the hospital.

Second opinions will cost you

As illnesses increase, there are chances of the elderly being diagnosed with a critical illness. For such diagnosis, it’s always better to take a second opinion. They can sometimes correct the course of action being taken and save tons of money. These days, health insurance plans offer a cover for second opinions on critical illnesses. Go for such plans.

Keep all Documents near

With the aged, it’s best to keep their medical files near. Important one includes their medical history, the illnesses they are currently being treated upon, allergies they suffer from, and the medications they have been prescribed. This comes in handy when a sudden hospitalization occurs and the doctor on call has no information regarding the patient.

Be Prepared for Home Care

Many times, domiciliary care or home care is the recommended option for the elderly. This means preparing a room only for the patient with all the necessary equipments like an oxygen tank, heart rate monitor. Along with it, one may have to hire a full-time care staff or on a partial basis. While this is expensive, it is more comforting for the patient than spending nights at the hospital. One can look into health policies which cover domiciliary treatments as well.

Think beyond just Family Floaters

With a risk of frequent hospitalization, a family-floater plan will be beneficial for it will cover all family members including senior citizens. But, this may not cut out for those in a joint family. For such people, one needs a plan which covers a lot of family members; search for such plans. They are cost-effective and made for joint families.

Yes, they are not at the peak of their health. But with a few tweaks and grit, you can ensure our elderly are comfortable when their health lets them down.

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Only if you live in a large family will you understand the need for organisation. Matching up everyone’s schedules, timings, and demands require you to be the best mechanic you can to ensure that your family functions like a well-oiled machine.

To align everyone’s needs together, here are some quick do-it-yourself measures you can take up. These steps will allow you to stay organised and functional at all times.

  1. 1. Chalkboard Timetable

If you have more than 5 people in your family who you have to take care of, the best way to do that is by creating a time table. Every month you should map out a calendar which will allow you to write down everyone’s schedules, extra-curriculars and other activities.

  1. 2. Use Budgeting Applications

Managing the budget for large families can be hard. Thus, use budgeting application such as Splitwise which will allow you to even equally split the money.  This way everyone knows how much money they owe and there is no confusion.

  1. 3. Notepad next to fridge

For every time the groceries get over, leave a sticky notepad on the fridge so any member of the family can write down what needs to be bought. This will ease the process of shopping for groceries for a large number of people.

  1. 4. Automate Bill Payments

With bigger families, the bills are also bigger. Thus, one should automate bill payments like rent, electricity, gas, mobile phone etc. This will eliminate delays and confusion caused because of it.

  1. 5. Divide the chores among family members

If you divide the amount of work around the house, the work will not only get done faster but also develop camaraderie within your family to join together to contribute to the house. For this you can have a chat group on your mobile devices where all family members will be assigned one particular task.

  1. 6. Label appliances

Imagine living in a home with 12 people, if each person has at least 3 electronic appliances, this would equal to 36 or more cords and chargers. For this reason, ensure that everyone labels their own chargers and cords. This way, you can keep track of who that particular item belongs to.

  1. 7. Find-anything drawers

Here you can put your hardware tools, sewing kits, stationary, medicines etc. Also ensure that you label each box for ease of access. You can play the above objects in baskets or plastic containers.

  1. 8. Have Laundry timings

Much like dividing the chores of the house, doing laundry should also have a schedule. If one person has to wash and dry 12 people’s clothes, it can be a task. Thus, make a calendar and allot laundry timing to all family members across the week. Also to save money wash your clothes twice a week in bulk. This will regulate the number of clothes for drying every day.

  1. 9. Insurance

Keeping in mind you have to take care of a large number of people and their needs, you need to ensure they are all financially secured. For this, you can opt for a Family Plus Insurance policy, which extends up to 19 members of your family. This is an umbrella policy where each person will enjoy individual as well as joined benefits.

  1. 10. Food Organisation

Cooking on weekdays for many people can be tiresome. Thus, what you can do is meal-prep in the beginning of the week. Two or more people can help out in the meal-prep. Here you can make and pack ready to eat salads, sandwiches, rice dishes etc. Each family member can simply take their pack from the fridge, heat it and enjoy.

  1. 11. Emergency Contacts

Keep a common file that is accessible by all. In this file you can maintain important contacts such as your family doctors, babysitters, grocery vendors, lawyers, friends and other relatives etc.

Read Full Article
  • Show original
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Even the most tech-savvy parents need some help on how to raise their kids in this digital age. Here are some effective tips:

LAY DOWN BOUNDARIES

  • Ø Teach your kids how to navigate the digital world
  • Ø Set down ground rules for acceptable use of technology
  • Ø Set a limited screen time and encourage activities beyond it
  • Ø If your kid is under the age of 13, it is better to avoid making their social networking profiles

COMMUNICATE

  • Ø Talk to them about the sites they frequent
  • Ø Ask them about their online friends, activities and media
  • Ø While privacy is important, use monitoring software as a safety net
  • Ø Any monitoring should be discussed openly to build trust in the family
  • Ø Teach them to self-regulate their use of online media and technology
  • Ø Teach them to avoid communication with people they have not met physically

KNOW YOUR DEVICES/APPS

  • Ø Learn how to use parental controls, privacy settings and restricted access options
  • Ø Explore and learn more about the devices and apps your kids are using
  • Ø Know the content of the video games your child prefers
  • Ø Set filters such as ‘spam’ to your child’s emails to filter unsolicited materials
  • Ø Ensure your kids have a low, private profile on social media
  • Ø Prohibit webcams; they instantly transmit non-stop high quality video, and used to exploit minors

SET GOOD BEHAVIOURAL MODELS

  • Ø Teach your kids by example
  • Ø Put down the phone while driving, eating or during family time
  • Ø Be mindful of what you post online about your kids
  • Ø Know when to unplug
  • Ø Curb tech use as a means of punishment
  • Ø Encourage respect, kindness and polite behaviour online, as you would offline
Read Full Article
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

When it comes to inculcating healthy habits into your life, it always works one step at a time. There are multiple reports and extensive research which prove that in order to live longer you need to make crucial diet, exercise and stress management changes. If you have a family, it is important that everyone follows a healthy lifestyle for the combined improvement of lifestyle. Along with ensuring that your family is secured under a medical plan, here are some other tips you can follow to add nutritional value to your lifestyle:

  1. Fill up on iron

If you have iron deficiency, it can cause fatigue and depression. In order to keep your energy high and be active throughout the day you need to include foods like oats, lentils, and lean meats into your diet. Iron will also boost your muscle strength.

  1. Soup up everything

Making foods into soups or smoothies is the easiest and most time efficient way to include multiple nutrients in one go. You can make nutritional soups with protein, fats, carbs and vitamin rich ingredients in one bowl.

  1. Get some sun

One highly underestimated way of gaining essential vitamins in your body is by staying out in the sun. The sun rays are rich in Vitamin D. This will stimulate the Vitamin D production in your body.

  1. Have your citrus fruits

It is the season of grapefruit and oranges. These fruits along with red and yellow peppers are said to be high in Vitamin C. This will strengthen your blood vessels and keep your skin looking young.

  1. Eat your greens

Although you might have heard this from multiple people, leafy green vegetables are rich in Vitamin K. These help in smoothening the process of blood coagulation. Vegetables like kale and spinach are vital.

  1. Maintain your teeth and bones

In order to ensure that your teeth and bones are strong, you need to have sufficient calcium in your body. For this you should consume more yogurt, cheese or milk. Most sources of dairy would work.

  1. Immunity building

At the end of it all, your immunity needs to be strong enough. For this have zinc rich foods such as dark chocolate, oysters, spinach or cashews.

  1. Spice up your life

Try and include more spices in your family meals. Spicy foods are known to hike up your metabolism. This will in turn fasten your digestive process.

  1. TV time fitness

If you usually sit as a family and watch a show, make it a practise to add small workouts in the middle during advertisements. This will shake up your body preventing it from getting lethargic.

  1. Reduce stress

You never know if there is some family member who is very stressed out. For this reason, as a practise start adding scents in the form of essence sticks in your home. Scents like lavender work wonders.

  1. Family to-do

Have a family to-do list. This will help everyone stay on top of what they have to do and reduce stress and confusion.

  1. Hydrate

This is one of the most important and efficient ways one can keep their body healthy. Ensure that every family member chugs down a glass of water in the morning. It is also advised to have 8-9 glasses of water the whole day.

  1. Balance

Try out the practise of balancing on one leg for 10 seconds then switching to the other one. This will increasing your agility, balance and mobility.

Read Full Article
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

Going to the hospital is never a pleasant experience. Everybody tries their best to avoid it but sometimes poor health can compel you to make a trip to one. This is especially common for senior citizens.

According to ‘Elderly In India’, a report by the Central Statistics Office, the total population of people aged 60+ in India is 103.90 million. For a nation that has the world’s youngest demographic dividend, it sure has its share of elderly people.

Poor health is often a recurring aspect of the aged and unless they have maintained a fit and healthy lifestyle and partaken in regular exercise since their youth. However, such cases are unfortunately a minority in India.

That’s why one should always stay prepared for health emergencies. If you are one who has just shouldered the responsibility of a senior citizen, here are a few things you should know.

Hospital visits are Common

As one ages, the body’s immune system continues to weaken. This means a number of illness and ailments will crop up. It could be simple body pain that refuses to go away or health complications that arise from diabetes, whatever be the case, you be prepared to make multiple trips to the hospital.

Second opinions will cost you

As illnesses increase, there are chances of the elderly being diagnosed with a critical illness. For such diagnosis, it’s always better to take a second opinion. They can sometimes correct the course of action being taken and save tons of money. These days, health insurance plans offer a cover for second opinions on critical illnesses. Go for such plans.

Keep all Documents near

With the aged, it’s best to keep their medical files near. Important one includes their medical history, the illnesses they are currently being treated upon, allergies they suffer from, and the medications they have been prescribed. This comes in handy when a sudden hospitalization occurs and the doctor on call has no information regarding the patient.

Be Prepared for Home Care

Many times, domiciliary care or home care is the recommended option for the elderly. This means preparing a room only for the patient with all the necessary equipments like an oxygen tank, heart rate monitor. Along with it, one may have to hire a full-time care staff or on a partial basis. While this is expensive, it is more comforting for the patient than spending nights at the hospital. One can look into health policies which cover domiciliary treatments as well.

Think beyond just Family Floaters

With a risk of frequent hospitalization, a family-floater plan will be beneficial for it will cover all family members including senior citizens. But, this may not cut out for those in a joint family. For such people, one needs a plan which covers a lot of family members; search for such plans. They are cost-effective and made for joint families.

Yes, they are not at the peak of their health. But with a few tweaks and grit, you can ensure our elderly are comfortable when their health lets them down.

Read Full Article
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

Only if you live in a large family will you understand the need for organisation. Matching up everyone’s schedules, timings, and demands require you to be the best mechanic you can to ensure that your family functions like a well-oiled machine.

To align everyone’s needs together, here are some quick do-it-yourself measures you can take up. These steps will allow you to stay organised and functional at all times.

  1. Chalkboard Timetable

If you have more than 5 people in your family who you have to take care of, the best way to do that is by creating a time table. Every month you should map out a calendar which will allow you to write down everyone’s schedules, extra-curriculars and other activities.

  1. Use Budgeting Applications

Managing the budget for large families can be hard. Thus, use budgeting application such as Splitwise which will allow you to even equally split the money.  This way everyone knows how much money they owe and there is no confusion.

  1. Notepad next to fridge

For every time the groceries get over, leave a sticky notepad on the fridge so any member of the family can write down what needs to be bought. This will ease the process of shopping for groceries for a large number of people.

  1. Automate Bill Payments

With bigger families, the bills are also bigger. Thus, one should automate bill payments like rent, electricity, gas, mobile phone etc. This will eliminate delays and confusion caused because of it.

  1. Divide the chores among family members

If you divide the amount of work around the house, the work will not only get done faster but also develop camaraderie within your family to join together to contribute to the house. For this you can have a chat group on your mobile devices where all family members will be assigned one particular task.

  1. Label appliances

Imagine living in a home with 12 people, if each person has at least 3 electronic appliances, this would equal to 36 or more cords and chargers. For this reason, ensure that everyone labels their own chargers and cords. This way, you can keep track of who that particular item belongs to.

  1. Find-anything drawers

Here you can put your hardware tools, sewing kits, stationary, medicines etc. Also ensure that you label each box for ease of access. You can play the above objects in baskets or plastic containers.

  1. Have Laundry timings

Much like dividing the chores of the house, doing laundry should also have a schedule. If one person has to wash and dry 12 people’s clothes, it can be a task. Thus, make a calendar and allot laundry timing to all family members across the week. Also to save money wash your clothes twice a week in bulk. This will regulate the number of clothes for drying every day.

  1. Insurance

Keeping in mind you have to take care of a large number of people and their needs, you need to ensure they are all financially secured. For this, you can opt for a Family Plus Insurance policy, which extends up to 19 members of your family. This is an umbrella policy where each person will enjoy individual as well as joined benefits.

  1. Food Organisation

Cooking on weekdays for many people can be tiresome. Thus, what you can do is meal-prep in the beginning of the week. Two or more people can help out in the meal-prep. Here you can make and pack ready to eat salads, sandwiches, rice dishes etc. Each family member can simply take their pack from the fridge, heat it and enjoy.

  1. Emergency Contacts

Keep a common file that is accessible by all. In this file you can maintain important contacts such as your family doctors, babysitters, grocery vendors, lawyers, friends and other relatives etc.

Read Full Article

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