Importance Of Medical Tests Before Buying Medical Insurance

A commonplace advertisement from insurance companies is ‘no medical tests required to purchase an insurance policy’. People are attracted to the convenience of no-test policy compared to the one that requires all medical tests. But is it really right to purchase a policy without knowing your health condition?

Every individual going to buy an insurance policy whether health or life insurance needs to undergo medical tests as prescribed and should be aware of his health condition. This article discusses the importance and reasons for getting an insurance policy after taking medical tests appropriately.

Premiums are based on health condition
The premiums of an insurance policy (health or life) are charged based on the individual’s health condition. You need to make a declaration about your health condition in policy application form and the insurer fixes a premium rate on the basis of your discloser.

For understanding this clearly, lets take an example of two persons. Of them, one has high sugar levels and the other person has normal sugar levels. If both take insurance policy from a company that does not require medical tests then both will be charged same premium. But in reality, the premiums for normal persons should be less than the premiums of others with health issues.

The policies that require no-medical tests are:

Low value policies: Policies that do not consider health tests offer cover not more than Rs 5 lakh. So, if you are looking for a higher cover, that serves your life/health insurance needs, then you should take pure protection policy that requires you to undergo medical tests.

Prone to rejection easily: In most cases, the person who is taking insurance without a medical test may not be aware of his/her health condition. S/He may suffer from an illness and may not know about it till a medical test is conducted. In such a case, an insurer can reject the claim as these policies contain suppressed facts of your health condition with no proper underwriting. So, these kind of unintentional mistakes may simply deprive insurance cover even for those paying huge premiums.

Cover may be inadequate: If you get policies that require no medical tests, then you will also get the policy that has no appropriate insurance cover. It is like getting insured, but having no adequate insurance protection.

It is the actual responsibility of insurance company to determine the health condition of an insurance buyer. An insurance company simply cannot deny the claim as it is its responsibility to subject the policyholder to medical tests and then fix the premium.

Thus, a detailed medical examination that requires blood and urinalysis related tests, blood sugar, ECG, blood count, blood pressure, blood serum tests etc. will benefit you manifold. It provides your health condition report which tells you how fit you are. If you are suffering from any illness, get it cured before it ruins your health. Get complete medical record of your health before buying insurance policy.

Are Vitamin Supplements Necessary

You may wonder if vitamin supplements are really necessary. Some healthy individuals who adopt a wholesome diet and stick to healthful eating habits have no need for vitamin supplements. However, these days that is exceedingly rare and there are so many instances in our lives when vitamin supplements are essential to good health.

Conditions Warranting Use

Here are just a few of the more important conditions that warrant the use of vitamin supplements. Take note that you should ask your doctor for specific vitamins and the dosages that best fit your circumstances. After all, there are such things as overdoses, misuses and abuses of even the most beneficial of vitamin supplements!

First, children need vitamin supplements especially if they are picky eaters. They tend to miss out on the important nutrients necessary for proper growth such as calcium, fluoride and iron. Even when you present foods in imaginative ways, they may still favor less healthy foods. There are also children who are on special diets such as vegetarian and hypoallergenic foods. They also need to bridge the gap between what foods are allowed for them and what their growing bodies need, and vitamin supplements are what will do the job.

Second, pregnant women require vitamin supplements both for themselves and for their unborn babies. When youre expecting, your diet may not be sufficient for your increased needs, not to mention that there are certain vitamins necessary to ensure that your baby does not develop congenital defects.

For example, folic acid is necessary to lower the risks of congenital defects while vitamin C is good for increased resistance especially against colds and flu. Third, there are diseases and genetic disorders that adversely affect the body’s ability to absorb nutrients from food sources. Thus, vitamin supplements are necessary to fill in the resulting nutrient deficiency.

For example, all types of cancer, stomach problems like Chron’s diseases and even liver diseases require some form of supplementation to replace the vitamins and minerals lost due to the weakened immune system. Also, after-surgery care requires the consumption of vitamins, like ascorbic acid, proven to speed up the healing of wounds.

Things to Remember

No matter your reason for taking vitamin supplements, certain guidelines must be adhered to, namely:
Always consult your doctor before taking any vitamin supplements.
Follow prescriptions to avoid overdosing. Keep in mind that toxicity is always hazardous to your health.
Vitamin supplements are not substitutes for a healthful diet and wholesome eating habits. You must still adopt a salubrious lifestyle so as to secure maximum benefits out of supplementation.
Always check the labels to make sure that you are not allergic to any of the ingredients, that you are not just taking fillers and binders and that you are getting the right amounts of the desired nutrients.

Avoid Hiring Fake Medical Staff Understanding The Importance Of Primary Source Verification

Before going into the main area of discussion, we first need to understand what primary source verification is? Primary source verification or PSV is an act of obtaining the applicants credentials from the original source. Means that education, experience, license etcetera of a job applicant should be verified from the source of origin. And when we talk about primary source verification for medical screening, before hiring the medical staff, it is highly important for the employer to verify the credentials of the applicant as the field of medical is very sensitive and related to the life of human being.

Now lets discuss why the primary source verification of a medical staff has high importance while medical screening. In the global scenario, shortage of qualified health professionals has made employers in many countries to look for the qualified foreign professionals to fill the unoccupied opportunities. And when these qualified professionals leave their home country, large number of unqualified locals starts to fill the positions left vacant by those. Many of them may have certificates and degrees earned from unaccredited or bogus institutes.

As the field of medical is highly sensitive, therefore primary source verification has emerged as the highly important task for employers. A well designed and implemented PSV programme gives maximum security to the employer and prevents medical staff having false education, employment experience or a license to practice as a medical professional.

Moreover, medical screening of a health professional is also a compulsory requirement from many regulators, but due to difficulties in background checks internationally, PSV of a medical staff often been implemented poorly or omitted from the case. This negligence during background screening may leads to medical malpractice done by fake medical person.

Professional background screening companies can help a lot in this regard. Writing a letter or email to primary source and hope for the response may not be a useful tool anymore. Background screening companies have experience to do the screening successfully and provide the accurate results. They have standard procedures to execute the process of screening from start to end efficiently. Therefore, hiring services of background check companies for medical screening would be a definite advantage.


Neglecting the primary source verification during the medical screening of a medical professional may lead to a life and death of a human. Therefore it is a social responsibility of employers to perform the background check dutifully and regulators to keep a strict check on medical background screening of all the medical staff hired locally or from foreign countries.

The Importance Of Vitamins For Hair Loss

Our hair requires some essential vitamins for healthy growth, should you be suffering from hair fall the use of vitamins for hair loss will provide all the required ingredients. The majority of these vitamins should include B complex vitamins, Inosital, and Vitamins A and E.

Many of these vitamins assist in hair growth and make them healthy and strong. While others nourish the scalp strengthening each hair strand and giving the overall healthy shiny finish. Hair loss vitamins including 4-aminobenzoic acid help your hair by preventing them from turning grey.

These vitamins for hair loss may not be able to help you grow new hair in case the follicles of your hair are already damaged. The use of vitamins on their own is not enough to repair damaged follicles. They possibly will help the remaining hair to be healthier, stronger and grow faster but they can not help you grow new hair from the hair follicles that are already dead.

Hair loss is down to a number of contributing factors not just genetics, poor diets and stress are among the top ones. An improper diet does not supply the sufficient amount of nutrients required by the body to function normally. Any deficiency or nutrient shortage in the body is reflected by the unhealthy hair.

One particular vitamin that can be of assistance is vitamin E. A vital vitamin for encouraging blood circulation in the scalp will insure the right nutrients get to the follicles for better growth. Vitamins E can be found in most leafy green vegetables. The downside to this is people not eating enough vegetables will not obtain the required amounts of vitamins needed.

Its surprising to know that many people forget that a healthy body needs a healthy diet and this will reflect in healthy hair. When you reach a desperate state of hair loss searching for a miracle cure is the first thing everyone looks for, but many a time the core of the problem is in the foods you eat.

Apart from vitamin E and all the vitamins mentioned earlier, fatty acids are another essential dietary requirement. Canola oil, walnuts, soy and fish should be consumed as they are rich in fatty acids. It is suggested by research that intakes of omega-3 fatty acids and fish are connected to reduced rates of depression. Since stress and depression lead to hair loss upping your intake of omega-3 will reduce the risk of depression.

Vitamins for hair loss cannot be of help until and unless you have a proper and healthy diet. Finding a good source of nutritonal foods full of the requirements for hair loss will help prevent further problems and possibly reverse some damage if caught in time.

How To Live A Healthy Lifestyle And Enjoy Life

Living a healthy life style naturally calls for a healthy body, free from disease and illnesses. It also means that you enjoy a positive outlook about your life, the people in it, and the world.

A healthy lifestyle is one full of energy, without constant stress about aches and pains, and what tomorrow will bring. It’s about living in a healthy body, and enjoying the world around you.

Living a healthy lifestyle is built on these foundational steps:

Staying healthy calls for a healthy diet

A diet rich in fresh, whole foods is essential in a healthy lifestyle. When available, always choose foods found in its natural state. Fruits and vegetables have high vitamin and mineral content. Whole grains like quinoa and whole wheat bread should be consumed instead of less nutritious white varieties.

Vegetables need to make up 50-60{49a56c33c6946a00861ff8ccbfa51784ad17d4aa091444ef9122313d6ceee0a8} of your total intake of food each and every day. The more vegetables you eat, the less sugar and white flour you will crave and your immune system will help you fight off illness and give you all the energy you need.

Drink plenty of water. The old suggestion of 8 glasses as day is still what you need to keep every cell in your body healthy.

Exercise keeps your heart healthy and your body agile.

Just 30 minutes a day of movement can benefit your health by improving joint stability, increase your range of movement and flexibility, help prevent osteoporosis and fractures and improve your mood while reducing symptoms of anxiety and depression.

Exercise doesn’t necessarily mean joining a gym. It can be simple things like turning off the TV for an hour and playing outdoors with your kids or taking your dog for a walk.

If you already exercise regular, add an extra lap in the pool, walk an extra turn around the block, do one more set of reps before quitting. Small increases can make a big difference.

Chores like shoveling snow, gardening, raking leaves or vacuuming and sweeping the floor are all considered a form of exercise.

Emotional Health makes all the pieces come together

Your emotional health plays a big part in a healthy lifestyle. Tune into your body to learn what causes you stress. Have a healthy social life by avoiding negative people and situations. Relaxation and meditation help release negative emotions. Listen to soothing music, meditate, breathe deep to help reduce stress.

A healthy lifestyle makes life full and large

In addition to an overall good feeling, a healthy lifestyle has many benefits. A healthy lifestyle makes life worth something to you. When you’re living conscious of your diet, sleep, exercise, and the other people you share the world with, life will take on a new and profound meaning.

A naturally healthy lifestyle can lead to a longer more productive life. You’ll feel less pain, ward off diseases and have energy like you did when you were young.

Announcing New Product – Whey Low Sugar Made Healthy

Baking season is upon us-Now everyone can indulge and enjoy the sweet pleasures of the Holiday Season without the blood sugar spike , no sugar crashes, no weight gain. Yes, you can with Whey Low natural sugar made Healthy!

Dixon/CA/USA, September 19, 2011 — is now offering WheyLow sugar made healthy that all, the Weight-watchers, the Health-conscious, even Type 1 & Type 2 Diabetics can indulge and enjoy. Whey Low sugar substitute has health benefits; making it part of the daily diet will help achieve & maintain a healthy & attractive body image.

-I’m happy to recommend another sweetener, called Whey Low, that taste, looks, bakes, even feels exactly like common table sugar. But instead of causing a spike in your blood sugar, it reduces your body’s glucose response. In fact, it’s 60-80{49a56c33c6946a00861ff8ccbfa51784ad17d4aa091444ef9122313d6ceee0a8} lower on the glycemic scale than regular sugar. Plus, 75{49a56c33c6946a00861ff8ccbfa51784ad17d4aa091444ef9122313d6ceee0a8} fewer calories!- Dr. Julian Whitaker, MD.

Whey Low is an all-natural blend of fructose (fruit sugar), sucrose (table sugar), lactose (milk sugar) – for those with a lactose concern, the minuscule a amount of milk sugar in this product will not interfere with the body’s ability to digest dairy products. These three natural sugars that comprise Whey Low work synergistically in the small intestine to interfere with the normal absorption of each other into the bloodstream.

Whey Low was developed by Dr. Lee Zehner after his wife, Sue, was diagnosed with Type 2 Diabetes. Sue Zehner loves baking and cooking; with Whey Low she can now ‘bake her cake and eat it too” and so can you.

For every one’s sweet pleasure Whey Low comes in: Whey Low Granular; Whey Low D – Sugar for Diabetics; Whey Low Gold – Brown Sugar; Whey Low Powder; Whey Low for Ice Cream; Whey Low Maple. For traveling connivence, Granular and Type D come in sticks.

Why Whey Low is the Most Sensational Sugar Substitute Ever:

It’s 100{49a56c33c6946a00861ff8ccbfa51784ad17d4aa091444ef9122313d6ceee0a8} Natural It Tastes Exactly like Sugar…Guaranteed! It has 75{49a56c33c6946a00861ff8ccbfa51784ad17d4aa091444ef9122313d6ceee0a8} fewer Calories than sugar It’s 70-80{49a56c33c6946a00861ff8ccbfa51784ad17d4aa091444ef9122313d6ceee0a8} lower Glycemic Index than sugar It has Only 1 Effective Carb per Serving It is Easy to Use! Whey Low is a One-for-One substitute for sugar in ALL food applications. Whey Low is perfect for baking. Cakes and cookies cannot tell the difference, and neither will you.

So whether a Low-Calorie, Smart-Carb, or Low-Carb Dieter, a Type 1 or Type 2 Diabetic, or simply Health-Conscious, Whey Low is the choice. So what’s taking you so long? Your taste buds are waiting. offers high quality, affordable healthy alternative products that also fits the -going green’ lifestyle. Diatomaceous Earth – natural mineral supplement and food grade insecticide, Whey Low sugar made health, Kangen Water- healthiest water on Earth, Organo Gold – coffee made healthy are available at

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How the Best Prostate Massage Therapy Improve the Wellness of a Sufferer

When we talk about the different healthcare treatments used for treating prostate, they can actually overwhelm us. There are instances that some of these treatments are receiving negative impression from the people. This is the reason why locating the right alternatives plays a crucial role.

Nowadays, many are considering the benefits of the latest prostate massage therapy. Many doctors believe that this is a great solution to help many patients out there to overcome prostate cancer effectively. People who suffer from prostate disorder are analyzing the benefits of this treatment plan. This is definitely aside from doing mild exercise and eating healthy foods.

Learn what are the prostate massage therapy benefits

The entire procedure is not complicated and provides convincing results in stimulating the prostate gland. The complete process will help the patient achieve the exact medical attention. Furthermore, this helps a man to boost his climax when having sex with her partner or wife.

The position of the prostate in actually beneath the gall bladder and you need to be familiar with this. In trying to figure out the location of correctly, you can decide to use the web and visit a health related webpage. Learning more about the prostate massage for BPH is likewise easier with the use of the online world too. Remember that this kind of disease is fatal and continue to affect hundreds of men out there.

Proper evaluation of the first clear sign

The problem arises once the actual size of the prostate gland increases without control. It is always possible that neglecting to seek the exact medical attention can trigger serious problems. Well, it is important for anyone to locate the exact prostate massage therapist to deal with the problem correctly. This important matter needs proper attention from a medical professional to deal with the disorder.

Remember that with the use of the best prostate massage treatment procedure, it can deal with this deadly health problem. Lately, doctors are continuously searching for the most effective health care services to help thousands of sufferers out there. These people are trying to use these as alternative cures through consistent practice to reveal positive results. In addition, they are trying to figure out the potential health gains aside from their effectiveness.

In order to ascertain the most advantageous treatment for any type of prostate disorder, early diagnosis is a very crucial consideration. Like the latest therapy that most doctors utilized to treat the exact problem, many patients are recovering from the severe pain they are experiencing.

The best Prostate Massage Therapy can offer the best deals in taking care of the condition. All you need to do is to know prostate massage therapy benefits to help you. With that, you can visit this website to get the best deals.

Double Your Workout With Protein Supplements

Protein or body building supplements are those dietary supplements or products which are used to complete proteins requirement of our body. Generally this kind of product are used by those people who are involved in body building and athletics. Generally people think body building is for gaining muscles and weight only, but it is not like that it is also used to loose weight. Everybody builder has his goal in life when he starts his body building, but with goal it is also important to follow few principles like regular and correct workout schedule and according to workout proper nutrient intake through diet and supplements like USP labs jack3d, usp labs compound 20 to match the workout. Diet and exercise are actually two sides of a coin because without proper diet exercise will not work and without exercise good diet will be not suitable for health.
Generally people use body supplements as a substitute of their daily diet, but in reality body supplements should be used with your daily routine’s diet because people use supplement to gain extra protein, which is required to do extra workout. Various types of branded bodybuilding products are available at retail store to accomplish all the requirements of body of bodybuilders as they require various kinds of nutrients to achieve various goals regarding bodybuilding, but before starting any supplement or powder first you must check for its pros, cons and discuss it with your nutritionist or fitness trainer. Proteins are useful for body to repair and develop tissues and cells. After workout, requirement for protein rise up to extremely so 20 – 30 minute after exercise is the best time for the intake of supplements with water, juice or milk. Supplements like USP labs jack3d, usp labs compound 20 are good for vegetarian because vegetarian cannot eat natural protein resource like meat, chicken and fish so these supplements provide all proteins, which is required for growth of new and damaged resource.
Diet or nutrition varies from a person to person. Creatine, whey protein, nitric oxide these are the few content and type of protein which are very necessary for body. Creatine is a 100{49a56c33c6946a00861ff8ccbfa51784ad17d4aa091444ef9122313d6ceee0a8} natural protein and found in almost all food like tuna, and beef contain some creatine and whey protein is the best quality form of the protein. Nitric Oxide controls the circulation of blood in our body and also transmits messages between nerves. As nitric oxide control blood flow so it is of interest for bodybuilders because it increases blood flow and high blood flow will serve to deliver more nutrients to muscles.

Why Vegetarians Are Less Healthy

Roughly, about 6{49a56c33c6946a00861ff8ccbfa51784ad17d4aa091444ef9122313d6ceee0a8} of the world’s population is vegetarian, a trend that is growing. Yet study after study shows that vegetarians are less healthy than their non-vegetarians peers. Why is this so? Surely a diet with plenty of fruit and vegetables should make you healthier, not less healthy, so what’s going on?

In the light of extraordinary new research it is becoming apparent that most vegetarians are in fact less healthy than their non-vegetarian peers. By “peers” I mean people of a similar socio-economic and cultural background. Any valid comparison between vegetarians and non-vegetarians must compare apples with apples. For example, any study that compared an affluent health-conscious vegetarian from California with an impoverished meat eater from the slums of Calcutta is not likely to be meaningful.

Recent studies are clearly showing that compared to their non-vegetarians peers, vegetarians are more at risk of diseases such as infertility, cancer, heart disease, eating disorders, mental disease, and obesity.

Several studies have compared health-conscious vegetarians with health-conscious non-vegetarians from the same demographic (the same socio-economic, health-conscious cohort). In other words, scientists have compared vegetarians and non-vegetarians from similar backgrounds so as to validate the results and they have come up with some surprising conclusions.

For example, in a study of 76,000 people conducted over many years data from five studies were pooled into a very large collaborative analysis of mortality in vegetarians and non-vegetarians (Appleby PN, Key TJ, Thorogood M, Burr ML, Mann J. Mortality in British vegetarians. Public Health Nutr. 2002 Feb;5(1):29-36).

The Appleby Study compared vegetarians and non-vegetarians, adjusted for age, sex and smoking. The results for all-cause mortality showed no significant difference between vegetarians and their non-vegetarian peers. Many studies have shown that vegetarians live longer than the population at large, but the Appleby Study showed that this is not the case when you compare people within the same demographic. The study concluded that ‘Overall mortality was the same between vegetarians and non-vegetarians. But vegetarians had 2.2 times the death rate from mental and neurological diseases as non-vegetarians.’

Several studies have compared vegetarians and non-vegetarians within the same demographic and the research is clearly showing that vegetarians are at greater risk of heart disease, cancer, infertility and other diseases. As most studies have compared vegetarians with the population at large, this is not widely known; such studies provide a false picture because the population at large is not particularly health-conscious.

This begs the question: does this mean that eating animal products is good for health? The research on the whole says NO. So if vegetarians are less healthy than their non-vegetarian peers, what is the reason? Why is it that vegetarians are less healthy than their non-vegetarians peers in the same demographic? This is the vegetarian paradox.

The ABCDE of Vitamins

Vitamins are indispensable to human metabolism. Vitamins are present in small quantities in food and sometimes, the human body produces them. Vitamins can also be artificially created. We all need vitamins; if we dont have enough vitamins in our diet, we run the risk of developing vitamin deficiencies that can ultimately lead to serious ailments. If you are looking for the best diet for life it should include the food sources for each of the vitamins mentioned below.

Vitamin A: The Vitamin for the Eyes

A fat-soluble vitamin, vitamin A plays an important part in eyesight, helping us to distinguish things around us when there isnt enough light. Vitamin A also contributes to the creation of skin, hair and mucous membranes and keeps them in good condition. Vitamin A strengthens the immune system and it is also connected with the development of bones, teeth, and epithelial cells, the cells situated on the inside and outside of body cavities such as the nose, mouth, throat, lungs, stomach, intestines, urinary tract.

Sources:Foods that contain high levels of vitamin A include orange and yellow vegetables and fruits (e.g., nectarines, cantaloupe, carrots), spinach, broccoli, butter, eggs, milk, fish oil and liver (beef, pork, chicken, turkey, lamb).

Vitamin B: The Vitamin for Metabolic Activities Vitamin B consists of several vitamins: B1, B2, B6, B12, biotin, folic acid, niacin and pantothenic acid. The B vitamins have an essential role in the human metabolism. They are responsible for transporting red blood cells, which contain oxygen, throughout the body. The B vitamins also have a major role in the process of protein synthesis and creation of energy.

Sources: Vitamin B is present in whole grains (e.g., oats and wheats), peas, beans, leafy green vegetables, citrus fruits, seafood, eggs and dairy products such as milk and yogurt, and meat. A type of bacteria residing in the large intestine is also capable of producing some types of B vitamins. Vitamin B deficiency is responsible for the occurrence of the so-called “Beri Beri” disease. Symptoms of vitamin B deficiency include weak muscles, cracked lips and malformed red blood cells. Vitamin B deficiency can affect a person’s normal growth and can create problems in the nervous system.

Vitamin C: The Antioxidant Vitamin Vitamin C is also called ascorbic acid. It is a water-soluble vitamin with antioxidant properties. Vitamin C plays a key role in collagen production. Collagen is a type of protein that provides strength in the case of bones, cartilages, ligaments, tendons, muscle, teeth and blood vessels. Vitamin C helps keep the gums and muscles in good shape. Vitamin C is also responsible for accelerating the healing of various wounds. Vitamin C also prevents fat-soluble vitamins like vitamin A and vitamin E, and other fatty acids from oxidizing.

Sources: High levels of vitamin C are present in citrus fruits (e.g., orange, lemon) and in other fruits (e.g., cantaloupe, strawberries) and vegetables (e.g., broccoli, tomatoes, cabbage).