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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

Why do you need to Integrate Stress Management Coaching into your Life?

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Stress Management Coaching

If you are at the peak of your career, battling the highs and lows can be quite challenging. On one side, you are working through some of the best highs in your professional career but you could very well be battling a constant battle with stress on the side.

Stress can impair the quality of your life. So, even when you are reaching the top of your goals, battling stress might proactively debilitate your experiences in the long run. If you are looking for the best ways of stress management, stress management coaching is one of the best methods.

This guide will highlight some of the reasons why you need to inculcate reliable and best methods of stress management in your life.

  1. Identifying the triggers behind your stress

Stress isn’t an idiopathic phenomenon. For the most part, there are physical or emotional triggers that contribute to the issue. However, we are often so overwhelmed that we fail to recognize the true markers, further leading to deteriorating mental health.

Working with a stress management coach enables individuals to find their stressors and find proactive ways to mitigate those complications. If you are unable to identify the triggers on your own, chances are that you won’t be able to handle and navigate through them as well.

  1. Suggest ways to turn off the stressors

Another effective way in which a stress management coach can help is by providing lucrative and effective ways to navigate through those stressors. Instead of struggling internally and not being able to leverage the tools on how to manage stress naturally, working with a professional allows you to work through the shortcomings seamlessly and without any hassle.

Sometimes, these kinds of partnerships and professional support allow you to further navigate through the true path towards your success, something that stress could very well turn down for good.

  1. Rejuvenate your senses

If you feel constantly burdened and unproductive, it is likely the direct aftermath of the stress that you are constantly battling. But, working alongside a stress management coach allows you to have a healthy outlet to let go of that stress and find positive coping mechanisms to work around it. No longer will you have to worry about feeling down, affected, or not good enough.

When you feel more energized and ready to take action against every roadblock, it allows you to navigate through every hurdle imposed in your life and shine through in the end.

Considering a Career Switch?

If these pointers weren’t a giveaway, stress management coaching is a fast-establishing domain in the coaching niche. This signifies that the demand for coach training program focused on stress management is enhancing as well. Now is the time for you to find relevant, globally-certified, and acclaimed stress management coaching that will allow you to kickstart your journey in the mental fitness and wellness domain in the long run. Sometimes, all you have to do is think out of the box to make tangible changes to your life.

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What are the legal consequences of Driving under the influence of alcohol?

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Driving under the influence of alcohol is accountable for a large number of traffic accidents. Even with a limited amount of alcohol consumption, there are double the chances of an accident than a sober driver. Driving while intoxicated is taken as an offense. Even if you are not driving the vehicle and are just sitting in the driver’s seat while parked but are intoxicated, legal action can be taken because of you being in control of the vehicle.

Alcohol

The intoxication level of a drunk driver is taken into concentration by measuring blood alcohol content and this can also be identified as a breaths test measurement.

The most common legal age for drinking is 21 but it varies from country to country and it can vary from 18 to 30 in different countries. Also, some countries or states have completely banned alcohol which results in fewer accident cases. The alcohol limit for driving commonly ranges from 30mg to 80mg per 100ml of blood depending on the country’s law. 

How drunk driving is dangerous?

Driving while under the influence of alcohol makes you lose control over the vehicle. Your judgment, self-control, coordination, and response time get affected by drinking which results in accidents. By drunk driving, you not only put yourself but everyone on the road also at risk resulting in deaths and injuries.

Legal Consequences

One can face the extreme legal consequences of alcohol consumption while driving. Some common punishments for drunk driving are as follows: –

  • Suspension or cancellation of driver’s license
  • Jail sentence according to the crime
  • Confiscation of vehicle
  • Paying fines
  • Seizing of vehicle license plate
  • Necessary alcohol treatment 
  • Supervising sobriety

Conclusion

Drunk driving is a huge risk to everyone on the road. Drivers should be responsible enough to not sit in the driver’s seat under the influence of alcohol. One can take certain measures to protect themselves from any harm caused by drunk drivers such as: – putting on your seatbelts if you see someone close to you under the alcohol influence don’t let them drive if you see someone drunk driving report them to the police.

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