Sidharth Kapoor

During pregnancy, women may face certain health problems that can affect the health of the mother or the baby or both. Pregnancy complications have increased over the last few decades. Some complications occur simply during pregnancy and in other cases; the patient may have had prior health issues. These can range from only discomfort to serious life threatening issues if prompt and proper healthcare services are not provided. Therefore, it is of absolute importance to know about the types of pregnancy complications that a woman might face. Common health problems during pregnancy Anaemia â€“ This means the patient has low red blood cells. Symptoms of anaemia include feeling tired and weak as well as persistent nausea. Urinary tract infection â€“ A bacterial infection in the urinary tract is known as UTI or urinary tract infection. Taking proper antibiotics can help dispel the infection. Depression â€“ Some women may experience depression during or after pregnancy which can make it difficult for the women to take care proper care of themselves. Infections â€“ Common infections like cold, food poisoning or measles contracted during pregnancy can turn out to be fatal for the mother or the baby or both. It is vital to contact a healthcare professional immediately in case of requisite symptoms. Availing an insurance scheme like an infection cover beforehand can come in handy since it provides financial coverage for all expenses caused by most infections. Hypertension â€“ High blood pressure can cause  pregnancy complications such as pre-eclampsia which can be a health risk for both. Hence, proper treatment to control blood pressure is important. Diabetes â€“ High blood sugar can result in stillbirths or other complications. It can even increase the chance of the child developing diabetes later in their life. Prompt medical attention is necessary if the pregnant individual is experiencing any of the abovementioned complications. Pregnancy treatment can be expensive considering hospitalisation requirements. In such cases, an individual can opt for an insurance policy like a pregnancy complications cover to finance the expenses incurred due to any related medical issues. A maternity cover insurance plan should provide financial coverage for –  - Hospitalisation due to pregnancy complications. Coverage offered will be specific to the insurance policy.  - The cost of diagnostic tests carried out before or during hospitalisation will be provided under the pregnancy complications cover.  - Routine doctor check-ups are a must during the later stages of pregnancy to ensure the safety of both the mother and the child. Top insurers offer financial coverage of doctor’s fees during the period up to the amount specified under the insurance policy.  - Maternity cover insurance plans also provide financial coverage for the medical expenses incurred 15 days before and after the patient was hospitalised due to specified pregnancy complications.  - Other treatment related charges such as hospital room rent, transfusion, etc. are also insured financially under a pregnancy complications cover. Most patients are generally advised to be in complete bed rest for the final trimester of their pregnancy. For working women, this may be an issue of concern as they might face loss of pay. Hence, to meet their day to day expenses during the course of their pregnancy, they can opt for an insurance policy like the Hospital Cash Cover offered by Bajaj Finserv under Pocket Insurance & Subscriptions. With this insurance plan, they can benefit from compensation of up to Rs. 1,000 per day. The application process for insurance schemes such as pregnancy complications cover is very simple and hassle free so that patients can avail these policies as quickly as possible. Follow the steps below to complete the application process –  - Visit the financial institution’s website.  - Fill in the online application form with the required details.  - Complete the document submission process by uploading important documents such as KYC, bank account details, etc.  - Make the premium payment to initiate the policy coverage. Besides availing the  best maternity insurance plans and visiting their medical advisors for regular check-ups, you should also maintain a healthy lifestyle including a proper balanced diet, regular exercise, and more. Pregnancy complications coverage with a customised insurance policy in place can provide the necessary financial help in case you are diagnosed with such issues.

More than 2 crore formal division workers will before long have an alternative to pick health insurance products accessible in the market in lieu of the required scheme kept running by the Employees State Insurance Corp (ESIC). # At present, formal division workers with month to month wages of up to Rs 21,000 every month are obligatorily covered under the health insurance scheme kept running by the ESIC. # The Labor Ministry will before long send a bill to the Union Cabinet to revise the Employees’ State Insurance Act 1948, to encourage the recipients of ESIC scheme to settle on health insurance products accessible in the market as a source said. # The Ministry will drive the bill for section in the upcoming Winter Session of Parliament starting November 16 as the source included. # The Labor Ministry’s turn is in accordance with the declaration made by Finance Minister Arun Jaitley in his Budget speech this year to give a choice to formal division workers covered under ESI scheme to pick a health insurance product perceived by the Insurance Regulatory and Development Authority (IRDA) # The source stated that between clerical conference on the bill to change ESI Act, 1948 has just been finished. In any case, the bill is to encourage the laborers, however exchange associations had restricted the proposed change. # The associations had asked the Labor Ministry to first guarantee the accessibility of health insurance plans in the market, which can coordinate the advantages given under the ESI scheme that the source included. # Despite the fact that the proposition gives off an impression of being enticing however there are sure inquiries and questions raised in the trade union which still stayed unanswered. # Associations had asked asto how might ESIC guarantee coverage of every single worker under ESIC or other insurance products after the proposed revision. # They had likewise worried on the requirement for building up a component to guarantee that advantages under other health insurance products and ESI are practically distinguishable. # At first, it was proposed to give one time choice to ESI endorsers of change over to other employee medical insurance products however the last draft of the bill accommodates no such confinements, according to the sources. # After the change, there will be no restriction in that capacity for laborers concerning doing switch over to other insurance products or the other way around. # A comparative office was likewise proposed by Jaitley for supporters of the retirement fund body Employees’ Provident Fund Organization (EPFO). # The proposed move is a piece of the EPF and MP Amendment Bill 2016, which can likewise be pushed for section in the next winter session. # The bill isn’t endorsed by the Union Cabinet up until now. Associations had likewise restricted this proposition saying that there are a couple of such products accessible in the market which is similar with EPFO scheme, which gives provident fund, a mass insurance and pension. The Bottom Line Mechanical labourers will now have the opportunity to pick between employee health insurance given by the administration run Employees’ State Insurance Corp. (ESIC) and purchasing medical insurance plans on their own. On 31 March, the ministry chose to contribute no less than 5% of the incremental corpus of the Employees’ Provident Fund Organization in the stock market through trade exchanged funds. That day, in a different meeting, it chose to revise the Employees’ Provident Funds And Miscellaneous Provisions Act of 1952 to make the National Pension System an other option to employees provident fund (EPF).

With each passing day, we see new devices are getting launched in the market. The reason is the changes and upgradation in the technology has invented innovative devices in the market. The same rule applies for medical devices and equipment. The medical equipment you bought a few years ago seems to be outdated because of the advent of new technology. Various types of medical equipment are capturing the medical markets. From big hospitals to small clinics, from doctors to surgeons, people in the field of medicine are in want of advanced technology to help diagnose and cure diseases of patients quickly. It is not possible to buy medical equipment every time. You might own a healthcare centre where you use several medical equipment to treat your patients. Whenever new medical equipment gets launched, you cannot run to the medical representatives to buy those devices. Have you ever given a thought of leasing your medical equipment? If not yet, then you should start leasing the equipment you use in your healthcare centre. You should take up the best option of leasing the medical equipment instead of buying them every now and then. You must be thinking why you should opt for leasing medical equipment. Will leasing the medical equipment be beneficial to you? In the next lines, you will get to know the reasons of medical equipment financing. Reasons of leasing medical equipment 1. Regular equipment upgrade: It is essential to upgrade the medical equipment on a regular basis. If you upgrade the equipment by way of buying, then you will have to spend huge amount. But, upgrading the equipment via leasing can put a stop to endless cash flow. Instead of spending huge amount of money by upgrading equipment every after few years, it would be best to upgrade the equipment by spending less money every month on a new lease. 2. Finance leverage: There are many medical equipment which come with a high price tag. The expensive medical equipment prevents a health care centre to buy the upgraded technology of medical equipment. Therefore, leasing medical equipment can turn out to be cost-effective and provide you finance leverage. Leasing equipment lets you the freedom of paying every month, which in turn, the monthly payment does not put a load in your wallet. 3. Choose your payment option: Flexible payment options are available for health care professionals which will help ease your monthly budget. Many leasing organizations allow people to pay on bi-monthly and yearly basis. You can choose the payment option which would fit into your budget. Acquire loan for equipment from Bajaj Finserv Bajaj Finserv loan provider helps doctors, dentists, Ayurvedic and homeopathic physicians and all health care practitioners to acquire loans not only for executing the business, but also for buying the equipment at the lowest rate. You can use the loan amount for leasing your medical equipment. One can reap countless benefits from the loans offered by Bajaj Finserv. Aside from getting the approval of loan of Rs.30 lakh, the customized repayment options make the process of payment convenient for doctors. Moreover, the doctor loan interest rate of Bajaj Finserv is only 14% to 16%. Are you qualified for availing the loan? Doctors who apply for loans in Bajaj Finserv should fit into the eligibility criteria for doctor loan. The doctors' age should be from 24 years to 60 years. You need to have certain qualifications as per your profession. You should have decent credit score. You need to present some essential documents such as address proof, educational certificates, present and previous credit reports, PAN card, driving license, passport and existing bank statements. Having met the eligibility criteria, the loan amount will be transferred into your bank account within 24 hours.

Health is indeed wealth and if you maintain it well, it will help you save tons of money, if you don’t, it will cough up your income and savings before you can even blink. As a result, to maintain, and manage the possible health scars or not in the near future that may poke a hole in your budget, opting for the health insurance is a must. You would see many people availing high cover-based medical insurance plans, as well as they, wish to have more coverage and don’t want to pay out of their pockets. People also opt for high coverage in a health insurance policy because the coverage offered by their employers are peanuts. It means if they face any urgent situation concerning medical procedures of higher value, they won’t suffice. Hence, it becomes more than a commitment to buy high cover medical insurance plans. Here are some reasons to opt for the high cover based policy. 1) Higher Medical Costs Although the emergence of science and technology improved medical services by leads and bounds, its costs are also borne by customers availing the services. Thus, opting for an advanced level of medical facility mean coughing up more. Hence, if you have subscribed to a high coverage based health insurance policy, it can help you save from paying from your own pockets. 2) When Your Current Health Insurance Coverage is Not Enough As discussed earlier that many times the medical insurance coverage provided by your employer or even your own ones ranging from Rs.2-10 lakh won’t suffice complex medical procedures. What’s more, with more Indians becoming well-to-do, their urge to get treated at the best medical facilities is also going up. However, for getting treatments at a noted hospital in key metro cities, you need to have a bulky pocket or a high cover of health insurance policy. Many health insurance companies have started rolling out high cover medical insurance plans starting at Rs.50 lakh. Needless to say, their premiums will be higher, but the coverage that will offer will be worth paying for especially if you have a family history of complex diseases. 3) Organ Donation Organ donations save lives and even prolongs it. However, the overall cost of a getting a transplant is massive! Example – A liver or liver transplant may cost anywhere between Rs.2o lakh and Rs.50 lakh. Even if you need to deal with the chemotherapy and medicines for cancer, it will suck up few lakhs. Thus, such types of complications demand higher amount of money and high cover health insurance policies can help. 4) For Overseas Treatment In many cases, there may not be adequate treatment options in the country when it comes to some rare complications but available in foreign countries such as the USA. That’s where you will need huge money for the medical expenses and that’s where the high cover medical insurance plans can bail you out. 5) For Family Coverage With the passage of time, your responsibility for taking care of family members will rise. It may include your parents and children. To ensure that you don’t pay on your own for covering their medical needs, opting for high cover medical insurance plan will help. Read Also: 5 Tips for Choosing the Best Medical Insurance for your Family The Bottom Line. Whether you reside in a small or a metro city, the cost of managing health-based treatments are surely on the rise. Thus, it is better to ensure that you opt for high cover health insurance policies if you don’t want to land in financial soup!

If you want to avail life insurance at a minimal cost and yet wish to seek the benefits of availing the lump sum amount by your beneficiary in case of your death, term insurance is a good option! Yes, if a policyholder dies during the policy tenor of term insurance, his/her nominee is entitled to receive the selected assured sum. If a policyholder is alive by the end of the policy duration, he/she is not eligible to receive any maturity amount. It is one of the reasons that term insurance cost little and yet cover a large amount of your risk of life. Since its pure life insurance, one can buy the best term insurance plan in India. Coming to a term insurance scheme these days, there are various types available such as premium return, term insurance up to 100 years, many add-ons and riders and even claim payable option. You should buy term insurance as per your needs and not by what the market offers. Online term insurance benefits at a glance! An online term insurance plan is easy to buy online and offers many advantages such as: 1. You can buy it with the click of a button 2. With no middlemen involved, you will be able to enjoy affordable term insurance plans online 3. You can file the proposal form online on your own, and hence, there is a lesser margin of an error 4. No influence by agents to buy a plan suggested by them or pay them any commission 5. Online insurance companies can also offer you around 5-10% discount if you pay your first-year insurance premium online. This is being done to promote cashless transactions in India, especially after demonetization. Consider ‘these’ things before buying term insurances By considering the following aspects, you can easily manage your term insurance such as: Don’t rely on claim settlement ratio Be informed to know that a claim settlement ratio is always a raw data, and you should not truly rely on it while deciding to buy a term insurance plan! Life cover quantum The basic and important calculation of a life cover quantum is that it needs to be at least 15-20 times than your current yearly income. Check for such a scheme complementing your needs and then only apply. Don’t let someone else take over your decision Never go back on a decision that you think is against your wish and as per your needs. If you are confident that a policy will surely cover your needs, go ahead and buy it. Policy term The term of your policy should ideally be your retirement age. It is because one retires when one is financially free, and hence, it is not required when you hang your boots. Keep off from riders It would be good to select a pure financial product to address your needs exclusively. Never club life insurance with general insurance to get better features that you are seeking. Be careful with premium payment For availing term insurance, you need to be prudent while paying the premium. Opting for yearly premium payment would be good. If you could make the payment automatic via the ECS, it will be better. The Bottom Line Now that you are aware of the vital aspects that you should consider while buying a best term insurance plan in India, you can go ahead and buy it online. Good luck! Also Read:- All You Want to Know About Term Insurance Plans and Policy