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Are Allergies and Its Treatment Covered Under a Health Plan?

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Are Allergies and Its Treatment Covered Under a Health Plan?

Given the pollution of present times; allergy is a common disease among masses. You will find every second person exhibiting an allergic response to various substances like pollen, dust, mold spores, pet dander, etc. It is such a common and rampant health problem amongst Indians that most of us accept it as a part and parcel of our lives.

According to estimates about thirty percent of the Indian population is suffering from allergies. People not only show the reaction to a wide array of substances but the degree of reaction also varies from person to person. Unfortunately, even though it is one of the leading reasons for the people visiting a hospital; people are unsure whether allergic treatment is covered by your health policy. Here, we explore various aspects of the topic for better perception.

Types of Allergies

Before we proceed any further, let’s understand the two major types of allergies.

  • Common allergies

This is the most common type of allergy. Here people show an allergic reaction to pollutants like dust, the smell of petrol, diesel, etc. and exhibit difficulty in breathing, uncontrollable sneezing, a bout of vomiting or even temporary rashes erupting on your skin. These allergic reactions are neither severe nor fatal and do not cause any death. The reaction diminishes and disappears after some time either naturally or with a mild medication.

  • Severe allergies

Some allergens cause a severe anaphylactic reaction in the body of some persons. Here the immune system of the body reacts in a severe way to the allergen and can cause severe breathing problems, loss of consciousness, etc. The reaction exhibited is often fatal and life-threatening if not treated at the right time and requires hospitalization most of the time.

Allergic Reaction and Health Insurance

Now let’s answer the most important question of whether allergies are covered under a health insurance plan or not. In blunt words, common allergies are not covered under a Health Insurance Plan but severe allergies are covered under it as it requires hospitalization and treatment.

It must also be understood that many policies might not cover it. Hence, you must always double-check its cover before buying the health policy. IRDAI has made health coverage mandatory only for severe allergic conditions like asthma and allergic rhinitis. It has also listed insurance eligibility for immunotherapy which is known to help to treat the allergic conditions in a much better way. Therefore, one might infer that health insurance has the provision for immunotherapy-based treatment for allergy.

It has also been found that most often the root cause of allergic reactions is sinus condition and it often leads to hospitalization. They suffer from various reactions like coughing, sneezing, running nose, rashes, itching, etc. But what most people are unaware of is that today, we have various treatments available in immunotherapy, homeopathic treatment, and AYUSH treatment.

AYUSH stands for Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy. These are all alternate avenues of medicines that are fast gaining ground because of their effectiveness in treating various diseases. Moreover, the treatment cost is low in these avenues compared to mainstream medicine. Because of their high effectivity and low cost; they had become very popular in the masses. This popularity has made the insurance companies sit up and give it recognition in their policy as well.

However, many insurance companies still do not cover these avenues of treatment. Hence one must verify that these avenues of treatment are covered by the health insurance policy that you are purchasing.

Another point that you must remember that if you are getting your allergies treated by alternative medicine mode; you will have a cap on the extent of coverage provided. Usually, it is a certain percentage of the sum assured that varies from insurer to insurer.

Another point that one must always remember is that insurers consider allergy as a pre-existing disease. Hence, it must be disclosed at the time of purchase of the policy.

Wrapping up

Suffering from allergies does not mean that you will not be eligible for a health insurance plan. There are several health plans available offering you all kinds of coverages. Few health plans also cover diseases like HIV or Aids. All you need to do is ensure that you are selecting the right plan that meets your needs and covers the allergic reactions that you are prone to.

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Health

Need A Good Night Sleep? Switch Off!

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Need A Good Night Sleep

We’re not just talking about all the distracting electronics like your laptop and tablets, ceiling lights and table lamps of the room. It’s a given to put those off as you retire to bed to get the darkroom setting for a good night’s sleep. But it’s the mind, we’re talking about. How often have you laid wide awake between your bedsheet with your mind racing in limitless thoughts? Perhaps you are reviewing the events of the day or are worried about money or work. Sometimes, the mind goes the extra mile by replaying things from the past even- pulling up worrisome matters you dug deep under the drapes of your mind.

While the above scenario is fairly common from time to time, it can possibly be a symptom of a serious mental health illness if it’s too frequent. One such is Anxiety and it often occurs in the night when the brain is not as actively busy like in the daytime. It’s important to keep check of the situation and encourage a good night’s sleep by switching off the mind, along with the lights! Read on to know how you can do so.

  1. Create the perfect sleep environment

Before you go into bed, it’s important to create the most suitable sleep environment that relaxes your mind and body. Choose soothing colors for the room that encourage peaceful slumber than alarming reds and other brighter hues that could keep you up. Ensure all sound and light producing items that could potentially distract you from falling asleep are turned off. Keep the room ventilated, dark, quiet, comfortable and most importantly- cool.

  1. Choose the perfect mattress

We cannot stress the importance of this enough. The formula for a good night’s sleep is Point 1 mentioned above plus a mattress that suits your sleep preference. Mattress experts Wakefit encourages using memory foam mattresses for the sole reason that it mimics the sleeper allowing the body to be in the most naturally rested position. This allows you to literally relax any pressure points in your body and lull you to sleep. Opt for an ortho mattress to alleviate any pains that could flair existing anxiety.

  1. Visualize

Now that you are in bed, absorb the possibility of imagination. Imagine every good thing in your life and increase the connection to positive emotion. Hold on to the emotion to shut down unwanted anxious thoughts.

  1. Read

A great exercise for the mind before bed- read a storybook. Reading is a quiet exercise to distract the mind from anxious thoughts that crop up in the night. Make sure to read a good and pleasant story before bedtime, to store pleasant memories while sleeping.  When the mind engages in a story, your thoughts are tied down to the events in the book – forming a judgment or just living the moment!

  1. Routine

A great way to reduce anxiety at night or to manage it better is by sticking to a routine. Reducing uncertainty to a great extent can relieve anxious thoughts triggered by not knowing what’s in store. Stick to a routine and pre-plan things that are in your control so you don’t end up overthinking. This includes a strict bedtime routine.

  1. Observe

Observe your thoughts as if you were a third person. Accept them with opening arms and acknowledge their presence. Upon doing this, place them in an imaginative toilet bowl that you will flush down. Once it’s down the drain- it’s not coming back up!

Sleep is an absolute necessity for optimal cognitive functioning and body cell restoration. Shut down your racing mind and dive deep into a restorative night slumber!

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How can Magnesium L-threonate powder support your cognitive health?

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cognitive health

Memory plays a vital role in human life. Hence, it is essential to support both your cognitive health and memory power in a secure and healthy way.  Even there are tons of techniques available to achieve this result, but Magnesium L-threonate powder brings you some extra benefits. It delivers an excellent form of magnesium content through a powdered and tasty drink mix. It has superior absorption capacity to increase the magnesium concentration in your brain. As a result, it will support both healthy cognition and memory. With a unique taste, it appears as a perfect source of magnesium.

Why should you consider this power?

There are many reasons to take this power which is given below:

  • It is a tasty and naturally flavored drink mix
  • Made by using high-absorbable magnesium
  • Aids you in maintaining better synaptic connections
  • A convenient source of taking magnesium regularly

If you desire to collect more useful information about this powder, you can read this following passage carefully.

Significance of magnesium

It is vital to know that magnesium is vital for more than six hundred various biochemical reactions in the human body. Apart from that, it also supports your mood, energy metabolism, bone health, and also cardiovascular health.  Though, the essential function of this resource is that it maintains youthful and better cognitive function. These are the significant reasons to consider this power for enhanced cognitive health. Magnesium L-threonate powder has sufficient magnesium content that aids you in keep the quality of your synaptic bond between the brain cells goods. Apart from that, it facilitates essential brain cell signaling pathways. The main benefit of this element is improved memory.

Maintain better magnesium levels

Many people do not have sufficient magnesium content in their daily diet.  Due to this, the older population is at an increased danger of magnesium deficiency. It is a well-known fact that many magnesium supplements do not readily absorb into your nervous system. For eliminating the drawbacks, this power comes with a few specialized features. As an excellent form of pure magnesium, it is nicely absorbed into your bloodstream.  Another impressive feature of magnesium is that it has neuroprotective, anti-stress, anti-anxiety, and anti-depressive properties. Apart from that, it also plays an essential role in brain and neurological related issues. It includes Parkinson’s disease, Alzheimer’s disease, acute brain injury, seizures, schizophrenia, addictions, ADHD, and bipolar disorder. These are the outstanding features of magnesium, so you can acquire them by taking this powder like Nootropics powder .

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