Every dengue, malaria death now can be claimed under accident policy (unless turned down by Supreme Court)

Every dengue, malaria death now can be claimed under accident policy
(unless turned down by Supreme Court)

 

Death by mosquito bite an accident, insurer must pay up: NCDRC

In my presidential speech at the Central Council Meeting in Amritsar, I had said that IMA wants the Health Ministry to declare an epidemic or disaster fund for providing free services to all those affected. In any flood, fire or train mishap the government announces ex gratia grant to the families, the same should be announced for any death during the epidemic or for any calamity in the family. 

The National Consumer Disputes Redressal Commission (NCDRC) recently held that a malaria death caused by mosquito bite is an accident, and directed the insurer to honour its policy to a widow. (The same will be applicable to dengue deaths also). As per Justice V K Jain, presiding member of NCDRC: "An accident is something that happens unexpectedly and is not planned." and "It can hardly be disputed that a mosquito bite is something which no one expects and which happens all of a sudden without any act of omission on part of the victim."

The claim was filed by Mousumi Bhattacharjee, who lost her husband Debashish in November 2012 to malaria in Mozambique where he worked in a tea factory. The husband had availed of a policy "Bank of Baroda Home Loan Suraksha Bima" to cover death by accidents. He paid a one-time premium for the sum insured, Rs 13.15 lakh, to be paid in case of "death due to accident".

The insurance company rejected it saying a mosquito bite was not an accident under the policy, and that malaria was a disease. But all three consumer fora, right from the district and state consumer forums to the apex National Consumer Commission, held the company's stand incorrect. The national commission observed that the insurer had included snake bites, dog bites and frost bites under the ‘accident’ category. The commission also cited Black's Law dictionary that describes an accident as "an unanticipated and untoward event that causes harm". Pradhan Mantri Suraksha Bima Yojana covers accidental death and disability cover of Rs 2 lakh at a premium of Rs 12 per year. The benefit of accidental insurance cover of Rs 1 lakh is also extended to all with accounts under the Pradhan Mantri Jan Dhan Yojana (PMJDY) launched on August 28 by the Prime Minister. The premium for the insurance cover is borne by the National Payments Corp of India. Dr KK Aggarwal National President IMA & HCFI

 

Source : http://www.emedinexus.com/user/postdetail/361461

SIX Reasons Why You Should Never Skip your Shower

While many of us wish we could stay under the shower all day in the summers, winters and lazy Sundays find many of us making excuses to skip a shower. However, having a shower not only keeps you clean, it also plays an important part in keeping you healthy and fit. According to Ayurveda, a morning shower is an essential part of the daily routine and is considered as a therapeutic activity. Here are a few reasons you should never skip a morning shower.

It calms your muscles: A shower reduces tension in your muscles and can help relax sore muscles. It also helps increase flexibility and muscle elasticity. If you’ve slept awkwardly and woken up with a stiff neck, a shower can help ease the stress and make you more comfortable. Thus, a simple shower could save you a trip to the physiotherapist.

Showers boost circulation: Showering with warm water increases blood circulation and ensures that even cells in your extremities receive nutrition. Increased blood circulation also reduces pressure on your heart and protects you against a number of cardiovascular ailments.

It boosts the immune system: The core function of taking a shower is to clean the body. This reduces the number of bacteria and fungal cells that can infect you. A cold shower also stimulates the vascular and lymph system and promotes the production of white blood cells that fight infections. Showering also helps eliminate toxins that are released along with sweat.

Elevates the mood: If you’re feeling blue, a shower may be what you need. Having a cold water shower activates the nervous system and increases the amounts of chemicals such as beta endorphins and noradrenaline in the blood. These chemicals help fight depression and elevate the mood. Additionally, a cold water shower also sends electrical impulses that have an anti-depressive effect from the brain.

Improves lung functionality: When you put your head under water, you are forced to breathe differently. Showering makes you take a deep breath and hold it in for a few seconds before exhaling. This action opens up your lungs and increases your oxygen intake.

It makes you more sociable: It’s simple; when you bathe, you smell good. This makes people want to be around you and boosts your confidence. You’re also less worried about your hair looking oily or your shoulders being dusted with dandruff when you’ve taken a shower and hence can focus your attention on conversations. 

An article by Dr. Jitendra Singh, MBBS on Lybrate 

Link

Happy New Year - 2017

Dear All,
I wish you all a very happy New Year -2017

Tomatoes (Tamatar) - 8 Reasons Why You Must Eat Them

Whether you consider tomato as a fruit or vegetable, it has a lot of benefits that can make a person healthier and fit. It is usually regarded as a salad that you may or may not want to eat as compared to other vegetables. Tomatoes, because of their helpful phytochemicals, such as lycopene, help in preventing a number of cancers and convey other medical advantages as well. Hence, following are the benefits of a tomato:

1. Prevents cancer: As a magnificent source of vitamin C and different cell reinforcements, tomatoes can battle the development of abnormal cells that causes cancer. Lycopene has been connected with prostate tumour prevention. Epidemiologists recommend the consumption of tomato as it helps lower the possibility of prostate cancer. High fibre content of beta-carotene in fruits and vegetables has been proven to bring down the risk of colorectal cancer to a great extent.
2. Blood pressure: Low sodium consumption keeps circulatory strain solid. Tomatoes are rich in potassium that helps in the same.
3. Heart’s well-being: The fibre, potassium, vitamin C and choline content in tomatoes all bolster the heart’s well-being. An expansion in potassium as well as a reduction in sodium is the most essential dietary change that an individual can make to lessen their danger of cardiovascular diseases. Tomatoes additionally contain folic corrosive, which keeps the homocysteine levels under control. It reduces the risk of heart diseases.
4. Diabetes: Tomatoes help bring down the blood sugar level in people with type1 diabetes. Whereas, people with type 2 diabetes may have enhanced glucose, lipids and insulin levels. One measure of cherry tomatoes gives around 2 grams of fibre and helps them keep their levels neutralized.
5. Constipation: Eating foods that are high in water substance and fibre like tomatoes can help with hydration and advance normal solid discharges. Fibre adds mass to stool and is important for bowel movement.
6. Eye health: Tomatoes are a rich sources of lycopene, lutein and beta-carotene, which are intense cancer prevention agents. They have been helpful in protecting the eyes against harm related to the advancement of age-related macular degeneration (AMD).
7. Skin: Collagen, a fundamental part of the skin, hair, nails and connective tissue, is dependent on vitamin C. An inadequacy of vitamin C leads to certain skin problems. As vitamin C is a capable cancer prevention agent, a low intake can affect the skin and cause harm from UV rays, infections and smoke. This usually results in wrinkles, hanging skin, blemishes and other antagonistic skin diseases.
8. Pregnancy: A good amount of folic acid needs to be present before and during pregnancy to ensure the infants good health inside the mother’s womb. This can be found in tomatoes. 

An article by - Dr. Ishwar Chandra Rai, B.Sc., B.A.M.S., C.C.Y.P., M.D. (Ayurveda)

Source : https://www.lybrate.com/topic/tomatoes-tamatar-10-reasons-why-you-must-eat-them/f7a5dabc8681860cd477f1d72b41c43e

ठण्ड में अपनी तबियत संभाले !!

दोस्तों नमस्कार,

इस साल फिर भी थोड़ी ठण्ड काम ही है, लेकिंग मौसम विभाग की माने और कुछ दिनों का मौसम देखे तो लाग रहा है की आनेवाले दिनों में तापमान में थोड़ी गिरावट हो सकती है।

क्या हम इसके लिए तैयार है, जवाब शायद हां भी हो सकता है या ना भी हो सकता है, क्योंकि हर साल की तरह इस साल भी ठण्ड हो सकती है ये सोचकर तैयारी की हो लेकिन दिसंबर आधा चला गया लेकिन फिर भी ठण्ड कम है तो तो सुकून में है।
ऐसेमे,  अचानक ठण्ड बढ़ने से हमें परेशानिया हो सकती है, जिसमे कई तरह की बीमारिया भी हमे जकड सकती है जिसमे से एक जुकाम और गले की परेशानिया आम बात है।

दोस्तों यह बीमारिया भलेही आम है लेकिन अगर वक़्त पे हमने इसको संभाल नहीं तो यह हमे काफी समय तक परेशन कर सकती है, इससे बचने के कुछ सरल उपाय भी है,

• जब लग रहा है ठण्ड बढ़ रही है तो अपने आप को जितना हो सके ढके रखे,
• वुलन के कपडे पहने और समय मिले तो उसे धुप भी दिखाए (अगर हफ्ते दो हफ्ते में धोना मुश्किल है तो)
• अगर कोई परेशानी नहीं है तो सॉक्स पहनकर सो सकते है 
• मुह और कण ढककर सोने से भी शरीर में गर्माहट रहती है 
• अगर महसूस हो की जुकाम शुरू हो गया है तो, सुबह उठते ही गर्म पानी के साथ नमक मिलके गरारे करे यह काफी असरदार तरीका मन जाता है। 
• घर में विक्स या बाम रखे इसका इस्तेमाल भी कारगर साबित होता है
• गर्म पानी का स्टीम ( विक्स या बाम डालकर) का प्रयोग भी कर सकते है 
• छोटे बच्चो को वुलन के कपडे पहनकर ही बहार भेजे 
• जुकाम, गले की परेशानिया अगर ज्यादा दिनों तक रहे तो डॉक्टर की सलाह ले 

हैपी विंटर 

आपका दोस्त 

डॉ प्रशांत राजनकर 

Harmful chemicals in Lipsticks and Nail Paints !!

WORLD AIDS DAY

WHAT IS WORLD AIDS DAY?

World AIDS Day is held on the 1st December each year and is an opportunity for people worldwide to unite in the fight against HIV, show their support for people living with HIV and to commemorate people who have died. World AIDS Day was the first ever global health day, held for the first time in 1988.

WHY IS WORLD AIDS DAY IMPORTANT?

Over 100,000 people are living with HIV in the UK. Globally there are an estimated 34 million people who have the virus. Despite the virus only being identified in 1984, more than 35 million people have died of HIV or AIDS, making it one of the most destructive pandemics in history.

Today, scientific advances have been made in HIV treatment, there are laws to protect people living with HIV and we understand so much more about the condition. Despite this, each year in the UK around 6,000 people are diagnosed with HIV, people do not know the facts about how to protect themselves and others, and stigma and discrimination remain a reality for many people living with the condition.

World AIDS Day is important because it reminds the public and Government that HIV has not gone away – there is still a vital need to raise money, increase awareness, fight prejudice and improve education.

Source:https://www.worldaidsday.org/about