Post from December, 2009

Why To Buy Short Term Health Insurance

Tuesday, 29. December 2009 11:11

Insurance is a matter of choice but with so many insurance corporations providing the best insurance plans, it is difficult to find out which insurance corporation is the best. To understand the technicalities of insurance, one needs to have a fair idea of the types of insurance plans available in the market. One such type of insurance is Short Term Health Insurance. In this article, we shall learn its need and coverage limitations. 

Understanding Short Term Health Insurance:

As the name suggests, a short term health insurance, also known as temporary health insurance, is a health insurance policy that provides insurance for a short period of time. The time period may be as short as a month and can also go up to 6 – 12 months. As far as working is concerned, short term health insurance works in a similar way as a long term health insurance. The only difference between the two is the coverage each policy provides. If you buy one short term health policy, you shall receive a health insurance card that will possess limits and deductible on the services of the policy. 

The Need of Short Term Health Insurance

Short term health insurance proves to be very suitable to a section of the society such as students, temporary workers, etc. These people find a short term plan more economical and suitable since their stay in foreign land is not long. Buying a long term insurance policy can be very expensive considering the duration of their stay. These policies are also suitable for people who sport good health and do not wish to spend more on long term insurance policies. The short term insurance policy in essence provides one with an insurance against accidents and illnesses for a limited period of time, say not more than a year.  

Coverage Limitations of Short Term Health Insurance

The difference between a short term and a long term health insurance plan is the coverage since a short term health plan does not cover pre-existing conditions and preventative care. A pre existing condition is a medical problem that one suffers from prior to getting into the insurance. The short term health insurance polices are specifically designed to provide protection against major health problems. 

Another point to be taken care of is that if one opts for a short term health insurance policy, one becomes ineligible to the guaranteed health insurance coverage that one is provided with irrespective of the status of one’s health. Also visitors to USA need to have visitors health insurance done mandatory.  

Despite its limitations, temporary health insurance is a boon for people who cannot afford to buy long term health insurance plans. Since major illnesses are covered under a short term health insurance plans, students and workers prefer buying it rather than any other long term plan.



By: Richart Rick

Category:Calcium Health | Comment (0) | Autor: admin

MAJOR HEALTH PROBLEMS OF ORISSA

Monday, 28. December 2009 17:00

MAJOR HEALTH PROBLEMS OF ORISSA

 

By Dr Nihar Ranjan Ray

  

Orissa is a high focus state for its culture, heritage, rich with minerals and diseases as well. It has rated as one of the measurable state so far the health care is concerned. Badly affected by the poverty, illiteracy, natural disasters Orissa registered very poor health indicators as per the WHO reports. Its state with a population of 3.68 crores, comprising of 85% rural habitants, with 22% Scheduled Tribe and 16.5% Scheduled Caste population. From a lot of health issues I need to focus the following topics with bird vision felling their importance and seriousness.

 

 Infant mortality

Infant Mortality Rate (IMR) is only 53 per 1,000 live births in urban areas as compared to 76 in rural areas, only 26.4 per cent of tribal children are immunized when compared to 43.7 per cent among the general population in the State and anemia is very high of 61.2 per cent among women.

The State needed to arrest the malnutrition trend as early as possible. “The level of malnutrition in the State is quite high. Over 30 per cent of children are severely malnourished. As per the latest survey, 40.7 per cent under age of 3 are underweight, 45 per cent are stunted and 19.5 per cent are wasted. About 65 per cent of children aged between 6 and 35 months are anemic.

Maternal mortality rate

One woman dies every seven minutes from complications related to pregnancy and child birth in India and in Orissa nine women die everyday for the same reasons.

The MMR in the state has come down from 367 per one lac (100,000) child births in 1993 to 358 deaths per one lac births in 2003 which is a very negligible drop. In fact there has not been any significant reduction in the rate of maternal deaths in the last few years and this is a worrying factor, said participants at the “Know Your Entitlements” organized here to coincide with the National Safe Motherhood Day.

The White Ribbon Alliance-Orissa in collaboration with Department of Health and Family Welfare, government of Orissa, Unicef and UNFPA organized the workshop.

With a view to curb this problem by minimizing maternal death rate, the White Ribbon Alliance for Safe Motherhood unites individuals, organizations and communities who are committed towards increasing public awareness on this issue and promote Safe Motherhood.

This year, the Central government declared, “Know your Entitlement” as the theme of the National Safe Motherhood Day. The objective was to generate awareness amongst women and family members on their entitlements under various schemes and policies taken up by the government.

Several NGO’s working in the health sector across the state including the Nehru Yuva Kendra which has trained 12,000 youths for the purpose participated in the workshop here today.

Flood ravaged Orissa

Floods cause health problems in Orissa: Oxfam India has warned that 8.5 million people affected by July’s floods are facing serious health threats. 78 870 cases of diarrhoea have occurred, resulting in 41 deaths; 124 cases of jaundice were reported, with two deaths. 300 people have been bitten by snakes, leading to 22 deaths.

Malaria

Malaria is the foremost public health problem of Orissa contributing 23% of malaria cases, 40% of Plasmodium falciparum cases and 50% of malaria deaths in the country. The tribal population are badly affected by the  Malaria. More than 60% of tribal population of Orissa live in highrisk areas for malaria. Though the tribal communities constitute nearly 8% of the total population of the country, they contribute 25% of the total malaria cases and 15% of total P.falciparum cases. Various epidemiological studies and malariometric surveys carried out in tribal population including primitive tribes reveal a high transmission of P.falciparum in the forest regions of India, because malaria control in such settlements has always been unattainable due to technical and operational problems. In a specific

study conducted in undivided Koraput district, it was observed that the district is endemic for malaria and is hyperendemic in top hills where Bondo primitive tribes are residing.

 

Diarrhoeal Disorders

Water-borne communicable diseases like gastrointestinal disorders including acute diarrhoea are responsible for a higher morbidity and mortality due to

poor sanitation, unhygienic conditions and lack of safe drinking water in the tribal areas of the country. In a cross sectional study conducted by RMRC, Bhubaneswar in 4 primitive tribes of Orissa, the diarrhoeal diseases including cholera was found to occur throughout the year attaining its peak during the rainy season .Generally the infants ,preschool children and adolescent groups are mostly affected.

 

Micronutrient Deficiency

Orissa is very much infamous for starvation death cases. Micronutrient deficiency is closely linked with nutritional disorders and diarrhoea. Deficiency of essential dietary components leads to malnutrition, protein calorie deficiency and micronutrient deficiencies (like vit A, iron and iodine deficiency). Vitamin A deficiency in the form of Bitot’s spot, conjunctival xerosis and night blindness was observed

 

Skin Infection

Skin problems like scabies is a major health problem amongst the rural population of orissa and the problem is much worse in the primitive tribes because of overcrowding and unhygienic living conditions as also close contacts and lack of health awareness. In a study conducted by the RMRC, Bhubaneswar.

 

Intestnal Paracitism

Intestinal protozoan and helminthic infestations are the major public health problems and were observed in Most of these infections are due to indiscriminate defecation in the open field, bare foot walking and lack of health awareness and hygiene. The problem enhances in the rainy season. These are preventable with repeated administration of anti-helminthic and protozoal treatment at 4 months interval which can be used effectively in national parasitic infection control program.

 

 

 

HEALTH INDICATORS OF ORISSA

             The Total Fertility Rate of the State is 2.6. The Infant Mortality Rate is 73 and Maternal Mortality Ratio is 358 (SRS 2001 – 03) which are higher than the National average. The Sex Ratio in the State is 972 (as compared to 933 for the country). Comparative figures of major health and demographic indicators are as follows: 

Table I: Demographic, Socio-economic and Health profile of Orissa State as compared to India figures 

S. No.

Item

Orissa

India

1

Total population (Census 2001) (in million)

36.80

1028.61

2

Decadal Growth (Census 2001) (%)

16.25

21.54

3

Crude Birth Rate (SRS 2007)

21.9

23.5

4

Crude Death Rate (SRS 2007)

9.3

7.5

5

Total Fertility Rate (SRS 2006)

2.6

2.9

6

Infant Mortality Rate (SRS 2007)

73

57

7

Maternal Mortality Ratio (SRS 2001 – 2003)

358

301

8

Sex Ratio (Census 2001)

972

933

9

Population below Poverty line (%)

47.15

26.10

10

Schedule Caste population (in million)

6.08

166.64

11

Schedule Tribe population (in million)

8.15

84.33

12

Female Literacy Rate (Census 2001) (%)

50.5

53.7

 

 

 Table II: Health Infrastructure of Orissa 

Particulars

Required

In position

shortfall

Sub-centre

7283

5927

1356

Primary Health Centre

1171

1279

-

Community Health Centre

292

231

61

Multipurpose worker (Female)/ANM at Sub Centres & PHCs

7206

6768

438

Health Worker (Male) MPW(M) at Sub Centres

5927

3392

2535

Health Assistant (Female)/LHV at PHCs

1279

726

553

Health Assistant (Male) at PHCs

1279

168

1111

Doctor at PHCs

1279

1353

-

Obstetricians & Gynaecologists at CHCs

231

NA

NA

Physicians at CHCs

231

NA

NA

Paediatricians at CHCs

231

NA

NA

Total specialists at CHCs

924

NA

NA

Radiographers

231

8

223

Pharmacist

1510

1984

-

Laboratory Technicians

1510

311

1199

Nurse/Midwife

2896

637

2259

(Source: RHS Bulletin, March 2007, M/O Health & F.W., GOI) 

Health Institution

Number

Medical College

4

District Hospitals

32

Referral Hospitals

 

City Family Welfare Centre

 

Rural Dispensaries

 

Ayurvedic Hospitals

8

Ayurvedic Dispensaries

624

Unani Hospitals

-

Unani Dispensaries

9

Homeopathic Hospitals

-

Homeopathic Dispensary

603

  

  

  

  

  

Conclusion

     Despite the above said problems we have to make our stands strong to fight against the disease, poverty, illiteracy and natural as well as the man made disasters(Naxlite problem).Now under the able leadership of Mr Naveen Pattnaik Orissa has registered record foreign investment as well as an appreciable economical growth. Now it is time to flex our muscles and brain to expedite our development in health care system. Orissa is doing well in the influence of NRHM .Orissa has many a miles to go to improve its health indicators that needs a lot of patience, composure and brain storming.

                             

                                                                       Dr.Nihar Ranjan Ray

                                                                       Dt.29th july 2008



By: Dr Nihar Ranjan Ray

Category:Calcium Health | Comment (0) | Autor: admin

Are You Missing Out on the Coral Calcium Health Benefits?

Saturday, 26. December 2009 17:29

When one thinks about “calcium” what comes to mind is strong bones and healthy teeth. Certainly, calcium is important to these areas of health, but there are many other coral calcium health benefits to explore.

Published research has examined the role calcium plays in our diets in relation to conditions like colon cancer, osteoporosis, hypertension, and preeclampsia. It’s obvious that supplementing with coral calcium regularly improves health overall.

Teeth and bones are also strengthened by coral calcium. Deficiencies of calcium are associated with conditions like osteoporosis, and rickets. Bone tissue goes into action and releases stored up calcium to keep it balanced.

One of the most exciting coral calcium benefits is that regular intake of calcium in our daily diet have been observed to have anticancer effects. Calcium deficiency are always associated with cancer diseases. Calcium provide nutrients necessary for normal DNA function. Having enough supply of calcium in our body helps to protect us against mutation. Calcium helps to produce tissue alkalinity that inhibits the spread of cancer.

Coral calcium has a positive effect on cardiovascular health. Calcium ions are required to make the heart contract. In addition, calcium may help reduce blood lipids and lower blood pressure. [...]

Category:Calcium Health | Comment (0) | Autor: admin