Jubilee General Insurance Health insurance comes forward to our rescue in a scenario just like this. They protect you from the unforeseen medical risks so that financial worry is the last thing on your mind. Health insurance becomes extremely critical, given our modern lifestyles and the uncertainties that we are exposed to on a daily basis. Also choosing a correct health policy can be a fairly tedious process and it needs utmost attention; so as to avoid overlooking the important aspects.

Knowing the right insurance plan amongst the wide variety available in the market; suiting your needs is very important. The insurance plan would differ depending upon the number of members to be insured, the age of the insured and the diseases to be covered.

1. Plans Available

You need to keep your options wide open once you’ve decided to go for health insurance for your family. Sometimes the insurer you trust doesn’t provide you with the plans that are well suited to you and your family members. In this situation, you need to see that the plans that are in the offer should match your desires. Just so you know Jubilee general insurance provides ‘Benefit Product Table’ that provides Hospital/Surgical & Miscellaneous expenses. Some of the covered expenses are In-Hospital Consultations, Intensive Care Charges, Surgical Fees, Anaesthetist’s Fee, Operation Theater Charges, Prescribed Medicines, Diagnostic Investigations, Blood & Oxygen Supplies, Ventilator & Allied Services, Daycare procedures including Kidney Dialysis/Chemotherapy & Radiotherapy for Cancer.

2. Categories

The policy you are going to choose should be consider on the categories it is providing. Ideally there are three categories that are usually provided by insurers:

1) Platinum 2) Golden 3) Silver

Jubilee general insurance covers two categories from above and provides private and semi-private rooms as per plan and category.

3. Coverage

Choosing of a viable plan for you and your family is depended upon the coverage of options in that policy that not just only should suit to your pocket but should also cover an appropriate combination of situations. In Jubilee general health care insurance for your family, Hospitalization limits are annual and allocated on ‘Per Family’ basis. Jubilee General Insurance is offering two exclusive plans with following annual family limits, i.e.,

Silver Plan:   Rs. 275,000
Gold Plan:    Rs. 550,000

Product Packages are as follows:

I.     Family ‘A’ – Self, Spouse & up to 02 children
II.    Family ‘B’ – Self, Spouse & up to 03 children
III.   Family ‘C’ – Self, Spouse & up to 04 children

4. Age and Cost Correlation

Age is the most important factor when it comes to your premium calculation. Some policies provide options that are age-friendly as well as cost-effective. In Jubilee, general insurance following are the points to be noted:

Entry Age: Proposer/ Spouse- 18-49 (Once covered, the policy can be renewed yearly till age60).

Children: 1 year -23 years.
Single premium covers a family of maximum 06 (self + Spouse + up to 4 children)
Family Premium: Will depend on the age (next birthday) of the eldest member and the package premium will cover a maximum of 06 persons-Self, Spouse and 04 Children.

Khurram Zahid

The post 4 Things to Know Before Choosing Health Insurance appeared first on Smartchoice.pk.

This small ignorance from our daily routine not only brings us some short-term damage but the bad impact on these habits stay with us for long. We all know many of the bad habits we carry in our daily life but ignore them. While there are many others about which we have no idea.

Here we have listed the top 10 habits that are seriously damaging our life and we need to stop doing them right now if we really want to live a healthy and happy life.

1- Sleeping Less Than 7 Hours:

If you are not sleeping for about 8 hours, each day, your health is at risk.

Most of us take it as a compliment for not sleeping more than 4 to 5 hours each day and spending most of the time in working. Many of us stay up even if we have a lot of work to finish the next day. We think that by doing so we are building our stamina and will end up being more productive. This thinking can mostly be found in the students who are struggling to get a good grade.

Beware! If you are not taking enough sleep each day you are racking your health. If you sleep less than 6 hours a day, continuously, the chances are high for your immune system to turn a week. It will also have a negative impact on other body functioning.

Your body will lose the ability to fight the external germs if your body has a weak immune system. In such situations, your body becomes more vulnerable to disease and infections. And you will get sick sooner and often. Thus science suggests sleeping at least for 8 hours a day to keep your inner self-healthy.

2- Negativity in Mind:

Nothing can harm you more than your own negative thoughts. To live a healthy and happy life, you need to stay positive in every way possible.

Positivity is not only good for your mental health but has a huge impact on your physical health. One must never stress on if they have limited friends or if they are facing some kind of problem in their life. All such situations are a part of life, if you are keeping yourself positive you might find a solution but if you tend to stay negative, you will come with no benefits.

You mental stress will have a direct impact on your physical health and will weaken your immune system.

Related Read: Top 5 Health Care Tips for Couple with Kids

3- Using Headphones for Long:

Today we can see almost every person wearing headphone, plugged in for hours. Either used for music or for taking a call during driving, headphones are one of the essential parts of our daily life. But only a few of us know that they are a big risk to our life.

The habit is really bad as it will cost you damage in your earbuds if you keep using headphones for a very long time. To avoid any damage to your sensitive eardrums, make sure you are not using the headphones for many hours.

Also, try to keep the volume audible enough so that you can hear the words correctly and effortlessly.

4- A Couch Potato:

Obesity is one of the major health issues, globally. Obesity is taking a considerable number of lives, each year and is also a root cause of life taking a disease like heart attack and diabetes.
And one of the root causes of obesity is lesser physical activity. No matter if it’s a long vacation or if it is the weekends, sitting in front of the TV, playing video games on the computer and laying on the couch for hours and hours is really bad for your health.

If you are sitting for hours and using these electronic devices, not only you will get infected with the radiations but will other health problem like eyes and heart disease and obesity. Apart from causing you such serious health issues this habit will make you lazy and can have a negative impact on other matters of your life.

Rather than becoming a couch potato one must adopt a healthy and active lifestyle. Indulge yourself in sports activities and have some walk and exercise as a part of your daily routine.

5- Heels:

Here the fashion lover might have some serious arguments with me and maybe they will lose a wish to read ahead but it is something that is damaging your health for real.

No matter how successfully you can carry yourself in high heels and how gorgeous they can make you look, but the fact remains the same that they are silent killers of your health. Wearing high heels every day make dispose you to early age back pain and other skeletal issues like tendon injuries, arthritis, and bone deformation.

Even after knowing all this, if you want to wear them, make sure that you are not wearing more than 1.5 inches.

Related Read: How to Save Money in Your Health Insurance Plan?

6- Carry Heavy Bags:

This one again goes for girls. Every girl likes to look fresh all day, anywhere, anytime. For this reason, most girls love to carry everything they might need for this purpose.

But we must not do this at the cost of our health. If you are carrying an extra heavy bag with you all the time, your back and shoulders will be stressed. This habit can lead to long-term issues like neck and back pain and will lead to a posture problem as well. Thus, avoid taking that risk on your life and empty your bag from all the extra material that you have in it.

7- Sleeping with Makeup On:

It’s one of the most common problems the females face, specifically the working women. When they get back home after a hectic day at work, tired a lot they are normally they just want to hit their bed. Many do this without taking their makeup off.

This is a dangerous habit that hurt the skin and leads to serious skin damage like clogged pores, congested skin and spots etc.

Sleeping with eye makeup on is more dangerous than the face. As eyes are the most sensitive area on our face, sleeping with strong products can cause a damage to vision and eyes infection.

8- Eating with Empty-Full Stomach:

Your eating patterns define your health and predict your future. If you are not eating with a defined and proper pattern your stomach will stop sharing the signals of hunger, when it should. If it happens, you will eat even if you are not hungry, as a result, your body will get flooded with extra calories.

If we look at the modern food items they are also not healthy and getting our body stuffed with such food throughout the day it will have to cause us lasting health problems like heart disease, acidity and obesity and many others.

Related Read: Why Health Insurance is NOT a Thing to Avoid

9- Avoiding Breakfast:

The saying to eat breakfast like a king is not without a good reason. Breakfast is the most important meal of a day and if you skip having a proper breakfast your metabolism will be affected negatively. It will also have a negative impact on the energy reserved in your body.

Here important to note is that if your breakfast is not healthy, you will not gain the benefits that you must earn by eating a breakfast. A healthy breakfast contains fats, proteins, and carbohydrates.

Dietitians may recommend you to skip your lunch (in some cases) but they never agree for skipping a healthy breakfast.

10- The Junk Food:

Thou, discussed throughout the discussion, junk food is the root cause of many health issues, but here necessary is to address the junk food in a separate slot.

Junk food is the root cause of many serious health issues, some of which are occurring globally e.g. obesity. Junk food is bad for our health but still, we consume it. If you are eating junk food every day or even two times a week, your body is at risk. Junk foods contain a high amount of preservatives, sugar, spice, and fats.

Eating lots of junk food can cause your health problems like stroke, high cholesterol, and diabetes etc. It is also found to harden the arteries and raise the level of plaque deposition in the body. This increased plaque in your body then leads to issues like heart attack and others.

Thus for a number of reasons the dietitians and health instructors refrain using junk food and adopting a healthy living style with a considerable amount of physical activities in our life.
If you are willing to live along and healthy life, you must take into consideration eliminating these habits from your lifestyle.

Khurram Zahid

The post 10 Common Habits which are Killing Your Health Quietly appeared first on Smartchoice.pk.

While planning to get health insurance or once you’ve got health insurance, you should be aware of the Dos and Don’ts to make sure that you are able to get your money’s worth and don’t run into any issues later on during the course of your coverage period. These set of best practices will ensure you get proper healthcare without it becoming a burden on yourself. Let’s talk about the things you should do when you plan to purchase a healthcare policy or have already done so.

1) Get the right policy:
This is the most important aspect of any insurance policy. Whether you are buying the individual policy or one for your family, make sure that all your possible requirements are covered.  Read all coverage details given for your policy by the provider to see the things that are covered such as maximum amount of cover, routine checkups, emergency care and medications. Some plans offer inbuilt maternity benefit, some don’t. Some health plans have certain caps and sub-limits on room rents; some don’t impose any such limit etc. Sometimes coverage for certain scenarios are sold as add-ons hence make sure to include those to your insurance policy if needed. Also if you’re a family it’s better to buy family insurance rather than individual insurance for each person as family insurance plans tend to bear expenses for child birth along with extra benefits and coverage.

2) Do your research:
This will help you choose the right insurance policy within your budget. Search and compare for policies from different providers to see differences between coverage levels within same price tiers to find out which one offers better value as it’s a long term affair if you plan to take up healthcare insurance seriously. Also if for any reason you are not satisfied with the policy you’ve bought, cancel it within the provided 15-day window to avoid losing your money.

3)Inform the insurance provider:
If you plan to get hospitalized, it’s best to inform the insurer before-hand so that any necessary formalities are taken care of in due time and doesn’t cause you a hassle later on once the treatment begins. Also if there is an emergency try to inform your provider on an ASAP basis. Also if you are not at a network hospital then it’s best to keep all the necessary documents such as medical prescriptions, consultation, diagnosis and medical/lab test bills and any purchase receipts to make sure you get reimbursed for the correct amount incurred.

Now let’s talk about a few important things that you should NOT do while buying or having a health insurance policy.

1) Don’t hide or misrepresent anything:
Whilst buying an insurance policy, don’t hide any previous ailments or medical history nor lie about your age or make a false claim after you’ve been insured. The consequences are severe as they can lead to the insurer rejecting your claim at the least to cancellation of policy coverage altogether and in the worst case scenario you could be blacklisted and the insurance company might not offer you any type of insurance policies in the future as well as you could  be at a risk of being totally barred from multiple insurance companies as they usually have a shared database regarding defaulters/blacklisted claimants.

2) Never delay policy renewal:
Don’t let your insurance cover lapse and renew before it expires because without a renewal your insurance policy will be terminated even if a single day has gone by which could cause in any of your claims being rejected. Thus timely renewal is vital to keep your insurance cover intact and you will be able to file successful claims with the provider.

3)Don’t travel abroad with your health insurance policy:
Sometimes people have this misconception that usually happens due to not reading the terms and conditions of their policy completely. You may think that just because you’ve already purchased a health care insurance for yourself, you will be covered for any health related issues abroad as well. This is false and fact is that you need to get separate travel insurance to be able to get compensation in case of health related issues abroad because such scenarios are only covered under travel insurance. Thus if you plan to travel abroad, make sure to get travel insurance. It’s quick and easy and you only need to buy the insurance policy for the duration of your travel only. At Smartchoice.pk we have a dedicated travel insurance portal where you can search, compare and purchase travel insurance policy with real time quotations from multiple providers in just a few clicks. It doesn’t get any easier than this!

Merely having a health insurance isn’t enough, but having the right healthcare plan will help you reap the benefits when needed the most. Complying with the above measures can ensure that the provider can process the claim efficiently, which in turn translates into quicker payment/treatment for the claimant. Always read all the terms and conditions and make sure that what you are getting is the right thing for you before you get your health insurance policy. We wish you a healthy and safe life!

Khurram Zahid

The post 6 Vital Dos And Don’ts Of Health Insurance Plans appeared first on Smartchoice.pk.