Getting a senior citizen’s Health Insurance is a must for people who are planning to retire and looking for a pension to live their future lives. Moreover, the manner in which health care cost is increasing, senior citizen health insurance is a must. Nowadays we have various organizations that define various kinds of health insurance schemes for senior citizens but the terms and d conditions vary from place to place. The plans that are designed for senior citizens cover full health expenses not only for the person but also for their spouse and children.
Factors that one needs to be aware of while going for a senior citizen health insurance are as follows:
The Age Criteria
Health insurance schemes for senior citizens are designed for elderly people aged between 60 to 80 years. Even the maximum age for achieving a health insurance policy is quite high as compared to the conventional policies of insurance.
Coverage of Specific Diseases
The senior citizen health insurance policy covers all the pre-existing ailments and diseases the person is suffering from. Some companies allow this coverage after one year from the date of issue of this policy.
The Policy Form
In order to have a senior citizen’s Health Insurance, the basic step is to approach an insurance company and meet with the agent who could guide you about the features of the policy. This includes the time frame, the eligibility criteria, terms and conditions, and the cost incurred.
After filling in the form with accurate details supporting documents are also needed to be attached for cross verification. Documents required for senior citizen Health insurance usually address and ID proofs like aadhar card, voter card, PAN card, offer letters from working organization, driving licence and Bank Account Statements.
This is a mandatory requirement for availing senior citizen health insurance. However, the drawback is that the entire cost incurred is borne by the person. But, some companies do reimburse the expenses after the insurance proposal is approved.
The importance of having a senior citizen Health Insurance is immense as these policies tend to provide financial benefits offering monetary help in case of unforeseen circumstances or health-relatedemergencies.
Silver Health from Bajaj Allianz, Gold from Max Rupa, Care from Religare, Varishtha Mediclaim offered by National Insurance are some well-known senior citizen Health policies available in India.Hence, if you are a senior citizen planning to get a health insurance plan, then better not delay as you never know what may come across in life anytime.
Today almost every family wants to control their expenses and at the same time,they don’t even want to compromise with the quality.In such a generation we need certain changes in our daily life that can cope up with our needs as well as with our budget. One such major change can be by using solar panels for getting electricity in our homes rather than using the general commercial electrical supply for several reasons.
The technique used:
In general solar power starts saving money and other resources from the day they are put to use. They also protect the residents from high temperature absorbing sun’s heat. This is majorly a one-time investment. Establishing solar panels for houses further increases the value of such houses in the market. Solar energy decreases the usage of fossil fuel.
Going for solar panels decreases carbon dioxide emission which is one of the root causes of rapid climate change. People can set up their own solar power plant in their houses creating many local jobs. Solar power plants have the ability to reduce the need for thermal plants, hence decreasing our high nuclear dependency. It is the best practice to control global warming that has significantly increased the risk of extinction that certain species on Earth live with. Using electric vehicles powered by locally generated solar energy can conserve petroleum resources hence also cutting down the expenditure done to import them.
Why should we use solar panels?
One of the biggest question that arises here is “why should I install solar panels at my home”. Well,first of all, once installed in your home these panels will reduce your electricity bills as they directly convert the sunlight’s energy into electricity.Secondly, solar panels have a very low maintenance cost than the conventional electrical supply at our homes. It is only required to clean these solar panels from time to time.Another benefit is that these are durable for a long period of time. Almost all the solar panels come with a 20-25 years of warranty. So you don’t need to worry about renewing or repairing these panelsfor a long time as they have a long life.
Continuous Improvement in technology from time to time will make these panels more efficient. That means,in the coming years they will reduce your electricity bill to even a greater extent, the initial cost of installation and the maintenance of the panel will also get cheaper.
Adolescence is a period when your child undergoes multiple alterations, both physically and mentally. It is a stage of puberty which poses an overall effect on the human body. Much care of the child is to be taken during this period because if any disease, especially in the mental context, happens to strike your child then it may soil the life of the teenager by lasting for a lifetime leaving him handicapped and so the Teen Health Boardshave prescribed certain methods and guidelines as to how to take care of these growing children who are standing at the entrance of adulthood.
There are certain key reasons as to why the boards are established. Similarly, these Teen Health Boards are meant to prevent teenagers from going astray. It is a group that is meant to support the teenagers from drug abuse and various other dire habits that a teenager might fall into, the reason being that teenage is a ‘slip and fall’ stage so they have to caution against slipping which will make them face a fall full of pangs. These health boards also provide guidelines to the parents, in terms of the rearing of their adolescence child. They are made to understand that at this stage, the children ought not to be made to face the physical pain that is a result of thrashing. They must be counselled dexterously so that they even obey their elders and refrain from taking a wrong turn.
Goals of the Team health boards
Now, let us get acquainted with the goals and objectives set by the teen health boards in order to attain a sound physical and mental health for the youth of today.
Empowerment towards the good health of the teenagers focusing on both the physical and mental health of the body.
Guidance to the parents to provide a safe, secure, family-centred and non-judgmental environment.
Providing support in the various educational opportunities and advocacy.
To develop and maintain a loving, caring and compassionate environment for the adolescents.
Prophecy and Undertaking
The central vision of the Teen Health Boardslies in the nucleus of its operations as it prophesizes to maintain the proper health of adolescence and keeping them sound and safe.They tend to provide them with the education in regards to mating, as they are running in the stage of puberty and must be warned against the danger signs. They also tend to create a family-like atmosphere so that the adolescence feels comfortable and provide them with opportunities to prove their caliber and become successful.