Eat less processed food because they contain lots of refined sugar which makes your body cells replicate at a faster rate, this eventually ends up shortening your lifespan and results into your early death.

Quit Smoking because any form of smoke is bad for you, no mater how little is it. Smoking is very hazardous to health and can often result in premature death.

Always wear a Sunblock even if you have no history of skin cancer in your family. The increasing number of UVA and UVB rays from the sun hitting the earth can pose a threat to anybody who spends more than 20minutes outside the house.

Reduce depression and causes of stress since they can have a negative impact on your heart. Use relaxation techniques like meditation and yoga to cope with stress.To make yourself happy you can also try having dark chocolate.

Drink tea  since tea has a lot of health benefits. Tea increases the energy and the metabolic rate and it also reduces the chances of heart attack and cancer.

Eat red grapes or drinking a glass of red wine a day can also help maintain a healthy heart. It also slows down the ageing process.

Keep working and keeping yourself active. It had been proved that active people live longer

People having Close relations with friends and family menbers have been shown to live longer and healthier lives.

Avoid overindulgence of anything, may it be food, drinks, drugs or evn medicine.

Heart Disease: Coronary heart disease or the CHD, which is also commonly known as Heart attack results to about 17 million (approximately 30%) deaths in a year throughout the world as per the World Health Organization (WHO). It is a medical emergency and it is also estimated that in three years from now, heart disease will be the leading killer of both men and women in this world.

Flu or Influenza: Influenza, which is commonly known, as “the flu” is a disease or an illness, which is because of the respiratory tract infecting viruses. On an average in a yearly basis, influenza is responsible for about 20,000 deaths all over the nation and many more hospitalizations.Complications related to Flu can happen at any age; however, the old people and other people having serious problems related to health are much more prone to serious complications after influenza infection than are younger, healthier people.

Obesity or Overweight: If you are overweight, there is a greater risk of you developing  coronary heart disease, stroke, breast and colol cancer

Obesity also increases the risk of hypertension, type2 diabetes, Gall bladder disease and high cholestrol.

High Blood Pressure: It can be of two types systolic and diastolic. High Blood pressure complicates all the diseases. It can lead to heart attacks and even Brain Hemorrhage.

Diabetes: The two types of diabetes Type1 and Type 2. Patients having diabetes have more chances of developing bladder infections and other infections in the skin and vaginal areas. The symptoms of Diabetes are usually related to increased blood sugar levels and loss of glucose in urine.

Mental illness: Problems related to the mind like Depression, anxiety, seizures, fits and phobias can lead to a host of other problems. We might not realize it but such problems maybe within us.

Several food items, which can help achieve good health, are:

• Cucumber

Cucumber is a great choice since it has 95% water content and is highly rich in potassium. Another factor, which makes it a great for the calorie conscious people is that it improves blood circulation.

Salads

Rather than having chocolates, sandwiches and biscuits for snacks and breakfasts it is advisable to have salads, which are packed with goodness and are low on calories, being high on roughage.

Sprouts

Sprouts, which are both healthy and tasty, are rich in Vitamin C and protein. Sprouts can be eaten raw or can be partially cooked/ steamed. It is always advised to eat sprouts fresh, to get the maximum benefits

Soup

Soup, which provides an instant boost to energy, can be had at anytime before meal or instead of a meal. Soup kick starts your metabolism and they make you feel really good especially in cold weather

Vegetables

Vegetables, most importantly the dark-green leafy and deep-yellow vegetables, such as spinach or carrots donot have too many calories and are rich in fibers, vitamins and minerals. Vegetables help you to ward off serious diseases like blood pressure

Tea

Tea is definitely healthier than anything else because it increases the metabolic rate and prevents you from cancer and heart attack

APOLLO MAXIMA 360-DEGREE HEALTH PLAN – FOR 2 ADULTS PLUS 2 CHILDREN

Another Apollo Maxima 360-degree health plan is for 2 adultsplus 2 children with the floater option. This planhas the FOLLOWING FEATURES:

• Sum insured per policy per year is Rs.3lacs
• In patient treatment
• Pre-hospitalization
• Post-hospitalization
• Day care procedures
• Domiciliary treatment
• Organ donor
• Emergency ambulance for up to Rs.2000 per hospitalization
• Daily cash for choosing shared accommodationof Rs.500 subject to a maximum of Rs.5000
• Daily cash of Rs.300 subject to a maximum of Rs.9000 for accompanying an insured child
• Maternity expenses with waiting period of 4 years. For normal delivery expenses up to Rs.15000 are covered and for caesarean delivery the expenses up to Rs.25000 are covered. This includes pre/post natal limit of Rs.1500 and infant baby limit of Rs.2000
• Newborn baby coverage is optional
• 50% or 100% additional of sum insured for additional cover for critical illness

EXCLUSIVE MAXIMA 360-DEGREE BENEFITS (these are applicable to Outpatient coverage):

• 6 consultations with general practitioner, physician or gynecologist. But if consultation is not within the specified network then the reimbursement will be the lower of the actual expense or Rs.350
• 2 consultations with any other specialization not mentioned above. But if consultation is not within the specified network then the reimbursement will be the lower of the actual expense or Rs.500
• Diagnostic tests worth Rs.2000 within a specified network
• Pharmacy worth Rs.3000 within a specified network
• Outpatient dental treatment worth Rs.1000 within a specified network
• Cover for spectacles and contact lenses worth Rs.1000 within a specified network
• 2 entitlement certificates of annual health check up within a specified network

ADDITIONAL BENEFITS:

• Medical expenses that are incurred due to illness during the 30 days immediately before being hospitalized will be increased to 60 days if Apollo is informed 5 days prior to hospitalization
• The medical expenses that are incurred in 60 days immediately after the patient is discharged from the hospital will be increased to 90 days if Apollo is informed 5 days prior to hospitalization
• Medical expenses for 140 day-care procedures that do not require 24 hours hospitalization due to technological advancement
• A policyholder gets a cumulative bonus of 10% for every claim-free year accumulating up to 50%. In the event of a claim this bonus will be reduced to 20% of sum insured on the next renewal. This is applicable for Inpatient treatment
• For Outpatient treatment, Maxima offers the advantage of carry forward benefits of 50% of any unutilized entitlements to next policy year except for the annual health check up
• If one is insured with some other company’s health insurance they can shift to Apollo on renewal. Apollo aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods

EXCLUSIONS (these exclusions are only applicable to any Inpatient coverage):

• All treatments within the first 30 days of cover except any accidental injury
• 2 years exclusion for specific diseases
• Any pre-existing condition will be covered after a waiting period of 3 years
• Expenses arising from HIV or AIDS and related diseases
• Non-allopathic treatments, congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments
• Abuse of intoxicant or hallucinogenic substances like drugs and alcohol
• Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind
• Pregnancy, dental and external aids and appliances unless covered under the specific Easy Health Individual Insurance plan

PREMIUMS:

PREMIUMS FOR ADDITIONAL COVERAGE FOR CRITICAL ILLNESS:

The premium amount is the base amount. Service tax is levied separately @10.3%.

And this is not all. With these insurance plans one can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act.

You can buy Apollo Munich policies either online from their website www.apollomunichinsurance.com or call their toll free number 1800-102-0333 or they can also be picked up from companies dealing with Apollo products.

TERMS OF RENEWAL:

• Apollo offers life-long renewal unless the insured person or any one on her/his behalf has acted in a dishonest or fraudulent manner
• There is no maximum cover ceasing age. For additional cover of Critical Illness the maximum cover ceasing age would be 70 years.
• The Waiting Periods mentioned in the policy get reduced by 1 year on every continuous renewal of the plan

The ADVANTAGESof buying this particular health insurance from Apollo Munich are:

1. The two companies involved in the business, Apollo and Munich, are known and established business houses in the medical sector
2. Their tie-ups are with more than 4000 hospitals across the country including the best hospitals also in any city
3. Their claim settlement service is excellent
4. Apollo does not have any sub limit for room rent, ICU and Operation Theatre
5. Clients get cashless claim settlement service. A policyholder only needs to obtain a pre-approval for all planned admissions at least 48 hours prior to actual admission or within 24 hours post the admission in cases of emergency
6. This is the first company in India that is covering the Outpatient expenses of pre-existing diseases as well

There are several factors to be considered such as your skin, your hair, dealing with common infections, and many more such as:

• Fitness:

One of the most important parts of being healthy is to stay fit. Well, diet is important but without fitness training your diet will not be effective. Thus it is very important to introduce regular exercise in your life.

• Food:

Food is also extremely important when it comes to staying healthy. What you put into your body reflects your overall health. Thus, it is very important to know as to what foods are healthy to eat and as to how they affect your body.

• Water:

Water being a universal solvent, is the most efficient weapon which fights against toxins and many other violators. It flushes out your system which makes it a must to drink plenty of water.

• Hair:

People who keep themselves in the best possible health are bound to have great looking hair as well since a person’s hair is a direct reflection of his or her health.

Several other problems that need to be considered and taken care of for good health are:

Heartburn

Sinus infections

Yeast Infections, etc.

APOLLO MAXIMA 360-DEGREE HEALTH PLAN – FOR 2 ADULTS

Apollo Maxima 360-degree health plan is another health insurance plan that is being offered by Apollo Munich Insurance Co. Ltd. This plan can be used for individuals as well as a floater for families. The Maxima 360-degree health plan for 2 adultshas the FOLLOWING FEATURES:

• Sum insured per policy per year is Rs.3lacs
• In patient treatment
• Pre-hospitalization
• Post-hospitalization
• Day care procedures
• Domiciliary treatment
• Organ donor
• Emergency ambulance for up to Rs.2000 per hospitalization
• Daily cash for choosing shared accommodationof Rs.500 subject to a maximum of Rs.5000
• Daily cash of Rs.300 subject to a maximum of Rs.9000 for accompanying an insured child
• Maternity expenses with waiting period of 4 years. For normal delivery expenses up to Rs.15000 are covered and for caesarean delivery the expenses up to Rs.25000 are covered. This includes pre/post natal limit of Rs.1500 and infant baby limit of Rs.2000
• Newborn baby coverage is optional
• 50% or 100% additional of sum insured for additional cover for critical illness

EXCLUSIVE MAXIMA 360-DEGREE BENEFITS (these are applicable to Outpatient coverage):

• 4 consultations with general practitioner, physician or gynecologist. But if consultation is not within the specified network then the reimbursement will be the lower of the actual expense or Rs.350
• 2 consultations with any other specialization not mentioned above. But if consultation is not within the specified network then the reimbursement will be the lower of the actual expense or Rs.500
• Diagnostic tests worth Rs.1000 within a specified network
• Pharmacy worth Rs.2500 within a specified network
• Outpatient dental treatment worth Rs.1000 within a specified network
• Cover for spectacles and contact lenses worth Rs.1000 within a specified network
• 2 entitlement certificates of annual health check up within a specified network

ADDITIONAL BENEFITS:

• Medical expenses that are incurred due to illness during the 30 days immediately before being hospitalized will be increased to 60 days if Apollo is informed 5 days prior to hospitalization
• The medical expenses that are incurred in 60 days immediately after the patient is discharged from the hospital will be increased to 90 days if Apollo is informed 5 days prior to hospitalization
• Medical expenses for 140 day-care procedures that do not require 24 hours hospitalization due to technological advancement
• A policyholder gets a cumulative bonus of 10% for every claim-free year accumulating up to 50%. In the event of a claim this bonus will be reduced to 20% of sum insured on the next renewal. This is applicable for Inpatient treatment
• For Outpatient treatment, Maxima offers the advantage of carry forward benefits of 50% of any unutilized entitlements to next policy year except for the annual health check up
• If one is insured with some other company’s health insurance they can shift to Apollo on renewal. Apollo aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods

EXCLUSIONS (these exclusions are only applicable to any Inpatient coverage):

• All treatments within the first 30 days of cover except any accidental injury
• 2 years exclusion for specific diseases
• Any pre-existing condition will be covered after a waiting period of 3 years
• Expenses arising from HIV or AIDS and related diseases
• Non-allopathic treatments, congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments
• Abuse of intoxicant or hallucinogenic substances like drugs and alcohol
• Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind
• Pregnancy, dental and external aids and appliances unless covered under the specific Easy Health Individual Insurance plan

PREMIUMS:

PREMIUMS FOR ADDITIONAL COVERAGE FOR CRITICAL ILLNESS:

The premium amount is the base amount. Service tax is levied separately @10.3%.

And this is not all. With these insurance plans one can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act.

You can buy Apollo Munich policies either online from their website www.apollomunichinsurance.com or call their toll free number 1800-102-0333 or they can also be picked up from companies dealing with Apollo products.

TERMS OF RENEWAL:

• Apollo offers life-long renewal unless the insured person or any one on her/his behalf has acted in a dishonest or fraudulent manner
• There is no maximum cover ceasing age. For additional cover of Critical Illness the maximum cover ceasing age would be 70 years.
• The Waiting Periods mentioned in the policy get reduced by 1 year on every continuous renewal of the plan

The ADVANTAGESof buying this particular health insurance from Apollo Munich are:

1. The two companies involved in the business, Apollo and Munich, are known and established business houses in the medical sector
2. Their tie-ups are with more than 4000 hospitals across the country including the best hospitals also in any city
3. Their claim settlement service is excellent
4. Apollo does not have any sub limit for room rent, ICU and Operation Theatre
5. Clients get cashless claim settlement service. A policyholder only needs to obtain a pre-approval for all planned admissions at least 48 hours prior to actual admission or within 24 hours post the admission in cases of emergency
6. This is the first company in India that is covering the Outpatient expenses of pre-existing diseases as well

Mental Health is something that talks about a person’s emotional, psychological and physical well-being. The way of looking at mental health is how effectively a person can function. His ability to handle stress, maintain satisfying relationships and being able to lead a dignified life are all signs of mental well being. Encircling your social, emotional and well-being; the three aspects such as emotional, physical and social generally function together to attain good health.

Every year diseases claim more than seventy percent of the deaths that occur. These diseases could have been averted if people had been more concerned about their health and well being. Infact one of the startling facts is that most of the old people do not die because of old age but die because of health problems like heart and cardio vascular diseases, various forms of cancer and respiratory diseases. Diabetes too is one of the major killers in the World. The ironical thing is that the Whole world looks at terrorism as the main cause of death in the World but if truth be believed, it does not find its way even in the top ten of the World’s killers. Diabetes, Cancer, AIDS, Heart Attack and even Malaria dominate the list. And hence it shows that if people would focus as much on being healthy as they do on the violence related stories. The World would be a much better place.

Health and hygiene are the most important things that come to mind. As Health is indeed Wealth. But in this fast paced World people barely get time to invest in their Health, forgetting the fact that caring for your health on a daily basis will reep in long term benefits. But people ignore their health from time to time until they fall seriously sick or get affected by a disease and relaise the consequences of their folly. The long list of patients outside a Doctors house stands testimony to the fact as to how much importance people give to their health these days. Thus, we should care regularly for our Health. Stress Management has also become essential to avoid illnesses like high blood pressure, hypertension and depression. Staying Healthy is just the beginning of a lifelong relationship that we can have with ourselves.

The concept of ‘Good Health’ has many things associated with itself. Exercising regularly to stay physically fit, eating a balanced diet to stay fit from within, and also avoiding mental health problems. If all these conditions are met, then could we maintain that we are healthy.

APOLLO MAXIMA 360-DEGREE HEALTH PLAN – FOR 1 ADULT

Apollo Maxima 360-degree health plan is another health insurance plan that is being offered by Apollo Munich Insurance Co. Ltd. This plan can be used for individuals as well as a floater for families. The Maxima 360-degree health plan for 1 adult has the FOLLOWING FEATURES:

• Sum insured per policy per year is Rs.3lacs
• In patient treatment
• Pre-hospitalization
• Post-hospitalization
• Day care procedures
• Domiciliary treatment
• Organ donor
• Emergency ambulance for up to Rs.2000 per hospitalization
• Daily cash for choosing shared accommodationof Rs.500 subject to a maximum of Rs.5000
• Daily cash of Rs.300 subject to a maximum of Rs.9000 for accompanying an insured child
• Maternity expenses with waiting period of 4 years. For normal delivery expenses up to Rs.15000 are covered and for caesarean delivery the expenses up to Rs.25000 are covered. This includes pre/post natal limit of Rs.1500 and infant baby limit of Rs.2000
• Newborn baby coverage is optional
• 50% or 100% additional of sum insured for additional cover for critical illness

EXCLUSIVE MAXIMA 360-DEGREE BENEFITS (these are applicable to Outpatient coverage):

• 3 consultations with general practitioner, physician or gynecologist. But if consultation is not within the specified network then the reimbursement will be the lower of the actual expense or Rs.350
• 1 consultation with any other specialization not mentioned above. But if consultation is not within the specified network then the reimbursement will be the lower of the actual expense or Rs.500
• Diagnostic tests worth Rs.1000 within a specified network
• Pharmacy worth Rs.2000 within a specified network
• Outpatient dental treatment worth Rs.1000 within a specified network
• Cover for spectacles and contact lenses worth Rs.1000 within a specified network
• 1 entitlement certificate of an annual health check up within a specified network

ADDITIONAL BENEFITS:

• Medical expenses that are incurred due to illness during the 30 days immediately before being hospitalized will be increased to 60 days if Apollo is informed 5 days prior to hospitalization
• The medical expenses that are incurred in 60 days immediately after the patient is discharged from the hospital will be increased to 90 days if Apollo is informed 5 days prior to hospitalization
• Medical expenses for 140 day-care procedures that do not require 24 hours hospitalization due to technological advancement
• A policyholder gets a cumulative bonus of 10% for every claim-free year accumulating up to 50%. In the event of a claim this bonus will be reduced to 20% of sum insured on the next renewal. This is applicable for Inpatient treatment
• For Outpatient treatment, Maxima offers the advantage of carry forward benefits of 50% of any unutilized entitlements to next policy year except for the annual health check up
• If one is insured with some other company’s health insurance they can shift to Apollo on renewal. Apollo aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods

EXCLUSIONS (these exclusions are only applicable to any Inpatient coverage):

• All treatments within the first 30 days of cover except any accidental injury
• 2 years exclusion for specific diseases
• Any pre-existing condition will be covered after a waiting period of 3 years
• Expenses arising from HIV or AIDS and related diseases
• Non-allopathic treatments, congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments
• Abuse of intoxicant or hallucinogenic substances like drugs and alcohol
• Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind
• Pregnancy, dental and external aids and appliances unless covered under the specific Easy Health Individual Insurance plan

PREMIUMS:

PREMIUMS FOR ADDITIONAL COVERAGE FOR CRITICAL ILLNESS:

The premium amount is the base amount. Service tax is levied separately @10.3%.

And this is not all. With these insurance plans one can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act.

You can buy Apollo Munich policies either online from their website www.apollomunichinsurance.com or call their toll free number 1800-102-0333 or they can also be picked up from companies dealing with Apollo products.

TERMS OF RENEWAL:

• Apollo offers life-long renewal unless the insured person or any one on her/his behalf has acted in a dishonest or fraudulent manner
• There is no maximum cover ceasing age. For additional cover of Critical Illness the maximum cover ceasing age would be 70 years.
• The Waiting Periods mentioned in the policy get reduced by 1 year on every continuous renewal of the plan

The ADVANTAGESof buying this particular health insurance from Apollo Munich are:

1. The two companies involved in the business, Apollo and Munich, are known and established business houses in the medical sector
2. Their tie-ups are with more than 4000 hospitals across the country including the best hospitals also in any city
3. Their claim settlement service is excellent
4. Apollo does not have any sub limit for room rent, ICU and Operation Theatre
5. Clients get cashless claim settlement service. A policyholder only needs to obtain a pre-approval for all planned admissions at least 48 hours prior to actual admission or within 24 hours post the admission in cases of emergency
6. This is the first company in India that is covering the Outpatient expenses of pre-existing diseases as well

Mediclaim policy for students can be used by the students who are studying in any of the registered educational institutions in the country. This policy helps the students by providing them financial security incase of emergency situations dealing with the health of the students or the death or the disablement of the parents of the guardian of the students.

The educational institutes are also authorized to take a group mediclaim policy covering the names of all the students enrolled with the institute in order to enable the students to get the mediclaim cover for a lesser and a much affordable rate. The discounts offered to a group can vary depending on the number of people in the group and they mainly range from 10% to 30%.

The Mediclaim policy for students has various features which cover the accident of the student, accident, total disablement or the death or the guardian or the parent as well as the hospitalization expenses of the student.

The maximum cover that is offered to an individual is Rs 4 Lakh usually where as the minimum is 50,000 rupees. The student’s guardian will also be eligible to get his or her income tax deduction. Once the student turns 25, he or she will be out side the purview of the policy. He or she will be able to take all the benefits of the policy if there is no break in the continuity.

These health insurances have various features which make it easy to provide cover to citizens above the age of 60 in the case of any medical expenses or hospitalization that may happen during the period of a particular medical treatment. Surgeries and operations can also be covered under the mediclaim policy for the senior citizens. These policies also help the senior citizens to pay for their health checkups, or during emergency medical situations or long term treatments.

A lot of senior citizens also consider this mediclaim policy as a blessing in disguise since it provides them with financial stability during the testing times and also enables them to save some money.

There are a large number of big and small companies which offer mediclaim policies for the senior citizens above the age of 60. A few of the major companies which offer mediclaim policies for the senior citizens above the age of 60 have been listed below. They are:

• United India Insurance Company
• Varistha Mediclaim policy
• New India Assurance Company
• National Insurance Company
• Oriental Insurance Company

Details about many other good companies can be found online on various websites.