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The treatment of cancer is costly nowadays & hence cancer insurance will help individuals finance its treatment. Your general health policy may not be sufficient, and you may end up paying a considerable amount of money from your own resources.

While we make an effort to stay home to fight the spread of Covid-19, a disease such as Cancer still remains on the top. We do not want to think about the possibility of receiving a cancer diagnosis. Such a diagnosis strikes fear, shock, and a sense of helplessness in the hearts and minds of everyone affected including loved one.

Cancer treatment can be prolonged and its high cost requires proper planning. The types of Cancer insurance include benefit policies or indemnity policies. Cancer indemnity policy reimburses hospitalisation and treatment expenses within the policy. Benefit Cancer policy pays the SI on diagnosis of cancer with no relation to expenses, and coverage ceases once the claim is paid. The pay-out can be one lump sum or over several years in a pre-specified manner as per selected Plan. Generally, life insurance companies offer benefit policies and non-life insurance companies offer indemnity policies.

Types of Cancer:

Cancer Treatment Insurance Policy covers the following types of cancer:

Stomach Cancer

Lung Cancer

Breast Cancer

Prostate Cancer

Ovarian Cancer

Larynx Cancer

Cancer Insurance Cover the following costs:

Surgery

Blood transfusions

Prescription drugs

Ambulance Rides

X-rays

Radiation

Chemotherapy

Nursing

Doctors’ visits

Hospital Stays

5 Helpful tips before buying a Cancer Insurance Policy in India:

Opts High Sum Assured: The duration of cancer treatment is long; it is better to select a cancer insurance plan that offers a high sum assured amount.

Plan Should Cover all Stages of Cancer: Go for a plan that covers you through all stages of cancer.

Premium Waiver and Income Benefit: The high cost of cancer treatment can inevitably take your income for a thresh. Hence, go for a plan that acts as a financial backup during the period of treatment.

Terms and Conditions of Survival and Waiting Period of the Policy: Thoroughly examine the waiting period of the policy i.e. waiting time before the policy starts providing coverage. Also check the survival period of the policy to claim covered maximum benefits under the policy.

Family Health History: Compulsory have Cancer insurance Policy if you have a family history of cancer. Also screening every year will help manage the risk of cancer better.

If you are facing any issue related to Cancer Insurance Policy , do feel free to reach us at InsuranceSamadhan.com –

Call us at – 844 844 0626

Mail us at – [email protected]

 COVID-19, a virus that has upended our lives in ways nobody could have ever possibly imagined. As the death toll adds up a couple of thousand people every day in India, the anxiety of being caught by the virus has shivered down our souls.

During this time, the biggest worry remains the consequences if anyone is caught with Covid-19. What will be financial burden to the family and how Health Insurance would help:

So, if you have medical insurance, then all such insurance covers medical expenses upto the sum assured.

Nowadays, the government is taking care of medical expenses so need not worry. In case, you are admitted to a private hospital then you can avail cashless benefit under medical insurance, if you are already covered by a Health Insurance.

Though Covid-19 is a critical disease, it is not listed in Critical Insurance cover hence critical insurance would not apply. In the same way, critical insurance would not fall under accidental insurance.

If you have bought insurance during COVID times, then all declaration of your travel history is required and any instance of non-disclosure of the same may hamper your claim. Hence, ensure all declarations if you are thinking to buy Health insurance now.

In case of death due to COVID 19, all claims are payable by all insurance companies. Even the existing one-month grace period of paying the premium has been further extended by 30 days. But it is advisable that you pay a premium on time.

Your claim is likely to be denied if your policy lapses for non-payment and the policyholder dies before the policy is reinstated. If you are late in paying the premium, do not panic, Insurers give a grace period of 30-31 days to pay your delayed premium(s). If during this time, you are facing difficulty to pay your premium on time due to lockdown or Covid-19 related issues, it is advisable to inform your insurer before the premium is late and you may receive a further extended grace period.

How to file a Life Insurance Claim in India:

After the death of a policyholder, the beneficiaries need to file a life insurance claim. Follow these simple steps to file a claim:-

Get hold of several copies of the death certificate of the policyholder.

Inform the insurance company to initiate paperwork for the Life Insurance claim.

Attach a certified copy of the Death Certificate and all required documents.

After claim submission, it is upon the beneficiary to decide whether to receive the pay-out at once or in installments.

If death has happened under ULIP policy, then it is better to go for settlement option because fund values are currently down, and one can settle once the market has recovered.

If you face any difficulty with applying for a claim, contact Insurance Samadhan. We are always there to help! At InsuranceSamadhan.com, we have helped resolve over 12,600 customer grievance cases in the past related to insurance, ULIPs and other financial products.

To reach us at InsuranceSamadhan.com –

Call us at: 844 844 0626

Mail us at:  [email protected]

10 Reasons for Car Insurance Claim Rejection by Insurance Company

Premiums are not paid on time: One of the main reasons of a car insurance claim rejection is that the premiums have not been cleared on time. If you haven’t paid your premiums on time, you need to check your policy for any grace period. You can pay the due amount within time to ensure you are consistently covered under your insurance policy.

Non-disclosure of information: While opting for the car insurance, you need to disclose all information about your address (including change in address), personal illness (like Epilepsy) or any previous accident of your car to the insurer. Without it your claim can be rejected because of non-disclosure.

Unspecified or Unlicensed driver: If the driver did not have a valid license which means a license that is fake, expired or of a different category of vehicle then the claim may get rejected. This may also happen if someone else other than the registered owner was driving the car due to non transfer of the vehicle from the previous owner to the current owner through RTO.

Driving under the influence: Many insurers reject the claim if the driver was driving irresponsibly or driving under the influence of alcohol or other intoxicants.

Car not parked securely: The insurer may want to know if your car was parked securely. If your car got stolen or damaged, while it was not parked in the garage or at a safe place, your insurer may reject the car insurance claim

Vehicle inspection not processed: Majority of the insurers would want your car to be inspected at the time of taking the insurance. This helps them checking any pre-existing damage. If you don’t follow the process, they have all the right to reject your claim anytime within car insurance claim process.

Absence of tracking or security device: Your insurer can reject your claim for theft or damage to your car if you are supposed to have an alarm, locks and tracking device in your vehicle under the policy, however you have not installed them.

No proof of accident: There are no spot photographs or other evidence of the accident and the damage to the vehicle.

False claiming of the No Claim Bonus: According to All India Motor Tariff provision any false declaration for claiming NCB leads to any claim being denies and any benefits to be forfeited under the policy’s own damage section

Claiming damage other than accidental: Wear and tear of the vehicle are not covered under the policy and claiming any damage to the vehicle other than the accidental damage can lead to the claim being denied.

What to do in case of car claim rejection?

If you feel that your claim should not have been rejected, here are some points that you may want to consider:

Go though the policy documents: You must ensure that you provided all correct details at the time of getting the insurance, highlighting the areas where it says you are covered. If your insurer demands additional information, you should note that down.

You can also in touch with us and our industry experts at InsuranceSamadhan.com who will advise you after studying your policy. We help resolution of similar and other insurance related cases including help on how to submit the complaint against the Insurance company for the rejected Car Insurance policy. At InsuranceSamadhan.com – we are a tech enabled Insurance complaints redressal forum who help aggrieved insurance customers to get their dues. We have helped resolve over 12,600 cases in the past.

To reach us at InsuranceSamadhan.com –

Call us at – 844 844 0626

Mail us at – [email protected]

Coronavirus outbreak happened in Wuhan, China which lately spread in India. It impacted the business sector sentiment severely. The Real estate industry in India has been affected as new launches have been put at bay, site visits have dipped even the construction activities have come to a halt. 

WHO (World Health Organisation) declared a global health emergency due to coronavirus on March 25th, and because of the lockdown, the business sector was severely impacted. Even the real estate industry has also been impacted due to Covid 19. Due to which there would be difficulties in procuring raw material which will reduce construction activities of ongoing real estate projects in the coming months even if the lockdown is lifted. All their new projects have been postponed. 

How Covid 19 Affecting Real EState In India? 

India has been affected by the Novel Coronavirus, the virus is spreading like fire in the country. And it drastically changed everything, even our real estate sector, it was already struggling to re-emerge from the past turbulence of structural changes, liquidity crisis & policy reforms which again went to fallout. 

The outbreak has resulted in plenty of uncertainties regarding trade and especially imports, not only from China but worldwide. This impacts the real estate sector the most. Moreover, with the current 36 -day nationwide lockdown getting extended, and no news around international trade getting open to the public. This will have a direct bearing on the prices of articles used in the construction industry in India like steel and other articles. Difficulty in procuring raw material would mean that the construction activities of ongoing real estate projects would be greatly reduced even after the lockdown is lifted in the coming months.

Despite the increase in the cost of raw material for construction and uncertainties around labour returning to metro cities from their hometowns post lockdown, property prices are expected to increase. This would make things difficult for interested buyers as it would create chaos for the owners in the resale market. And if Covid 19 will keep impacting the economic supply chains, then the decision regarding commercial investment may stray from real estate.

And if we talk about the people who were looking forward to investing in real estate, they might re-calculate their investment due to decrease in pay, lack of jobs etc. which will immensely increase till COVID 19 exists. Therefore, the housing sectors would witness a reduction in new launches and drop down in demand. Furthermore, due to these things, the demand for commercial real estate would also get curtailed.

After seeing all genuine crisis the industry facing, Confederation of Real Estate Developers Association of India (CREDAI) issued a statement where the following policy was sought from the Ministry of Housing and Urban Affairs:

- As a force majeure there had been the inclusion of Covid 19 under section 6 of the RERA

- The registration period has been extended by at least one year.

- In case of default on interest or principal repayment the loans by real estate developers should not be classified as NPA

- Principal repayments and Interest falling due over the next three months in case of real estate projects be put off and recovered over the next nine months.  

The CREDAI has brought forth the proposal of the addition of Covid-19 as a force majeure condition in light of the country-wide lockdown which has led to nearly no economic activity and necessitated Work From Home arrangement in the private sector. The pandemic has further led to the complete shut-down of public and private transport except for those dealing in performance essential services. 

In most the states, the workforce in construction-related work i.e. the informal sector, come from villages and small districts around the major cities where the majority of construction activity takes place.  Due to severe labour shortage and strict government directives as mentioned, all the construction related work has come to a  halt. Covid-19 has become one of the main of the reasons which would prevent developers from completing their projects within the estimated timelines as provided in their licenses under RERA registration

According to some reports, the impact of novel coronavirus on the real estate sector has been so immense that the well-funded projects have gone on halt and could take months to complete, while other projects could be delayed by two years. 

Moreover, another industry body, National Association of Real Estate Developers Council (NAREDCO) has urged the government to allow construction work at project sites subject to adherence of safety measures and lift the lockdown on the same. The said request has been made to minimize losses and for finishing urgent maintenance and facilities like rainwater harvesting pits, storm drains, etc. before the onset of the monsoon.

Insurance is a service that works based on the principle of indemnity. This means in any General Insurance claim, such as car insurance claim the customer should be put back to the monetary position that he was at immediately before the occurrence of the loss. The principle means that with the insurance payoff, the insured should neither make a profit nor suffer a loss. In order to achieve that it is important that a third party called the surveyor, independent from the influence of the insurer and insured, assesses the loss and liability. It should be noted that a licensed surveyor is mandatory to be appointed only in case of estimated loss, exceeding INR 50,000 in motor insurance case, and exceeding INR 1,00,000 in non-motor insurance case. The car insurance claim surveyor, who acts as a link between the insurer and the insured, and fulfills the following role and responsibilities:

Role and Responsibilities of Surveyor in Insurance claim

Investigate and Assess: The car insurance surveyor investigates to assess and verify the damages and tries to quantify the loss that has occurred. The losses may have also been sustained by a third party, apart from the insured. At the completion the surveyor submits the report to the insurer.

Conflict of interest: If the surveyor is in any way related to the incidence or the insured, they must declare it to the insurer prior to the assessment. Any personal relationship may hamper the neutrality of the surveyor and his report being rejected on the grounds of conflict of interest.

Neutrality and Confidentiality: The surveyor must remain neutral in all cases and ensure the secure interest of both the parties and should not endanger the responsibility of the insurance company and interest of the insured. The surveyor also must not reveal any personal details of the insurer to anyone outside of the car insurance claim process.

Thoroughness: The surveyor must do a thorough job and personally conduct the spot survey. After careful consideration of the causes of the incidence and the circumstances at which the incidence occurred, the surveyor can comment upon the insurance category. The surveyor should not miss out on any details pertaining to the incidence or the claim in the report that he or she submits.

Provide immediate financial relief to the insured: Surveyor may recommend on Account payment up to 75%, wherever admission of liability is clearly established, to provide immediate financial relief to the insured.

Damage prevention advice: The surveyor should share any applicable advice that may result in further loss prevention and share safety or security procedures.

Point out discrepancy: The surveyor must point out discrepancy or ambiguities in the verbiage of the policy that he or she comes across.

Suggest the Depreciation: The surveyor shall make recommendations based on any depreciation that may have happened in the car due to age and usage. The surveyor needs to determine the appropriate depreciation percentage and suggest the same in the report. They can also comment on the disposal or salvage as applicable.

Maintain timelines: The surveyor needs to be appointed within 72 hours from the initiation of the claim according to the IRDA regulation of 2017. He must submit their report to the insurer and a copy to the insured, within 30 days of appointment. This can be extended by the Surveyor to a maximum of 6 months provided the insured has been informed about the same.

Even though the surveyor is appointed by the insurance company; they shall not favor insurance companies or insured. The surveyor needs your cooperation and you as the insured need to extend your cooperation to the surveyor. You should also preserve the incidence or accident scene to the best of your abilities, since disturbing it intentionally may be one of the reasons for car claim rejections. A video recorded by the insured and providing the garage receipt proofs are honored by many insurance companies these days. In some complex cases a second surveyor may be appointed by the insurer, only with a valid reason for not accepting the report of the first surveyor.

If you are worried about or are facing your car insurance claim rejection, you may contact an expert at www.InsuranceSamadhan.comwho can provide a lot of personal advice about your claim. After reviewing your claim details, including the surveyor report that has been submitted and your policy, they can suggest the best course of action for you.

To reach us at InsuranceSamadhan.com –

Call us at – 844 844 0626

Mail us at – [email protected]

The Ombudsman of the Life Insurance sector has been receiving a number of complaints with regards to the mis selling of life insurance policies by the intermediaries. In the case of non- life insurance sector, the complaints have been mostly pertaining to the claims being rejected with regards to the existence of a pre- existing ailment. The mis- selling is often being done by forging the proposer’s signature on documents of a long term plan even though the proposer clearly did not have the capacity to carry on the policy for a long duration, as reported by the Council of the Insurers or the ECOI. The IRDAI has also made it compulsory for all insurers to follow up with the verification calls and yet reports have emerged that the agents and the brokers have been persuading the customers to accept all terms and conditions unquestioningly when they receive the calls.

There are equal numbers of complaints from both life insurance and non- life insurance policy holders across India, according to MML Verma, the Secretary General. Out of them, the complaints pertaining to health insurance in the non- life insurance segment was exceedingly high.

According to Milind Kharat, the insurance ombudsman in Mumbai and Goa, the amendments that were made in 2018 gives the ombudsman the power to pass orders against insurance companies as well as intermediaries, which means that such orders can be passed against banks as well. However, the insurance company will be held responsible predominantly because that is whom the agents represent. Moreover, the office of the ombudsman is a very effective platform for bringing such issues to light as there are no fees or legal assistance required. Customers can make their complaints with just an email. Nevertheless, the ombudsman still did not have the power to impose penalties and so the maximum they could do in case a complaint was found valid was to order the refund of the premium amount.

There is another limitation that the ombudsman faces which is that the maximum award that he can issue is for Rs 30 lakhs. Considering the fact that some policy holders are taking health insurance cover up to Rs 1 crore or higher, it has been recommended that such limits should not be imposed in case of individual complaints.

Apart from citing pre- existing illness, complaints have been made on the basis that the insurance claims were rejected as the insurance company felt that the expenditure was not made reasonably and was completely optional. According to Mr. Kharat, the term “reasonable” itself was a very relative term and what could be considered reasonable for one might not be so for another, depending on the part of the country one resides in or the immediate circumstances one had to face. In many cases, insurers also reject claims during cataract operation on grounds that the lens used was too expensive. In case of the exclusion of the same, the inadmissibility of the cost of the multi- focal lens should be clearly stated in the policy during such a surgery. Efforts are being made to safeguard the proposers and the policyholders against such loopholes and they should decrease the woes of the common man to an extent.

According to the insurance regulator, any kind of genetic disorders, even illnesses cause by menopause in women and mental illnesses are some of the health issues, which can be excluded from being covered by health insurance. In an exposure draft which was meant for the standardization of such exclusions, the Insurance Regulatory and Development Authority of India or IRDAI has opined that any diseases that has was contracted after the policy was taken, had to be covered compulsorily. It had also opined that in keeping with the new regulations, all the older health insurance products that did not follow the new rules would have to be withdrawn from the market by the 1st of April, 2020. The good news for women is that any kind of puberty related disorders, or problems caused by bleeding during menopause or even flushing, will now be covered under these plans.

It should be noted that although insurance companies were always required to cover mental illnesses, they have always been very selective about it and those who needed them the most during difficult times were often left without any assistance. Thanks to IRDAI, stress and psychological disorders, as well as all kinds of neurodegenerative disorders, will have to be covered by the companies.

In that case, among all the other aspects of treatment, now the drugs and anti- depressants prescribed by the doctor or psychologist will also be covered by the health insurance. In the same way, if a patient fails to seek medical advice or does not follow the treatment plan, he or she would be denied medical insurance on those grounds and such clauses would be added to the insurance certificate.

It should also be noted that in the case of the artificial life support, which includes life support machines and its related equipments, the IRDAI has ruled that the expenses up to the day the doctor said the patient would be in the vegetative state, would be covered. Other cases include oral chemotherapy as well as robotic surgeries and they will be covered by insurance as well.

However, certain other illnesses would still be excluded and they mostly include pre- existing diseases like diagnostic tests, infertility treatment, optional surgeries like plastic surgeries and weight control surgeries. As required, there would be a minimum waiting period of two years in case of pre- existing diseases.

Those who are suffering from lifestyle conditions like diabetes, cardiac problems, hypertension and other lifestyle condition will not be allowed a waiting period of more than 30 days, except if these problems were already pre- existing and had been disclosed during the time of buying the policy. On the other hand, those who are involved in hazardous sports like rock climbing, scuba diving, mountaineering or are in professions which are really hazardous, will not get the benefit of being covered by health insurance.

The Paediatric Ophthalmology & squint Department at Prakash Netra Kendr (PNK) deals with eye problems in children. Adult patients suffering from squint and double vision are also examined and treated effectively.

Children may not complain if they do not see out of one or both eyes. Sometimes the only clue may be poor performance in School, as well viewing the blackboard at a very close distance. Hence all children need an eye exam at the time of starting Schooling.Of the eye problems in children, the most important are refractive errors, squint and amblyopia.

Squint is not a sign of good luck. It affects your child's vision and appearance Loss of vision is preventable in children if squint is treated as early as possible, preferably before 2 years of age

As the child grows older, it becomes more difficult to treat squint and regain the lost vision. However, cosmetically straightening the eye is possible at any age Refractive error or the need for glasses is the single most important cause of vision impairment in children. This may lead to permanent deficiency in vision if not detected and treated early.

Since the outbreak of COVID-19, the world is going through a tough time, and so many precautions have been taken by the people all around the globe to eliminate this dangerous virus and one of the most effective ways which were suggested by the Doctors was to maintain personal hygiene. Washing with warm water and soap remains the best method for preventing the spread of infectious diseases and washing with warm water (not cold water) and soap removes oils from our hands that can kill microbes.

But hand sanitizer can also protect against disease-causing microbes, especially in situations when soap and water aren’t available. They are also proven to be effective in reducing the number and killing of microbes. Hand sanitizers are also easy to use and one can keep it with him or her all the time to use whenever required. So the hand sanitizers are basically of two types which are Alcohol-based and Alcohol-free sanitizers. Let us discuss it-:

The Case for Alcohol-Based Sanitizers:

Alcohol-based hand sanitizer which contains 60-65% alcohol is usually best in comparison to other types just like our Disilon Forte Hand Sanitizer gives protection and safety to ensure up to 99.99% Germ Protection which has Alcohol concentration above 65% in the sanitizers to kill the viruses and leaving hands feeling clean & refreshed with the fragrance of its flavour. Many healthcare centres have shown that hand sanitizers containing a better concentration of alcohol are more practical than those having lower alcohol concentration or non-alcoholic ones. Pocket-sized alcohol-based hand sanitizers are reliable and easy to carry everywhere. Hence, this kind of sanitizer is preferred nowadays by everyone to kill the COVID-19 viruses.

Furthermore, the health centers have shown that alcohol-based hand sanitizer reduces many viruses contagious diseases and infections because It works on the phenomenon of friction. An alcohol-based hand sanitizer contains a high percentage of alcohol which has a very low boiling point. So, as you rub it on your palm in between your fingers, heating is generated because of friction. The heating evaporates the alcohol and other particles, which takes germ particles with them. It must be used in a directed way- Firstly take a small drop of hand sanitizer on your palm and spread it everywhere inside and outdoors of your palm, rub your palm together until they become dry and if hands have become dry means alcohol is killing the COVID-19 viruses.

Some alcohol-based hand sanitizers can cause dryness of the skin and in such cases, you'll use alcohol-based hand sanitizer with moisturizer which is provided by our brand Disinfecto Chemical PVT limited as such a variety of sanitizers is available to us. Clean and safe hand sanitizer is an alcohol-based hand sanitizer with moisturizers and antioxidants because it keeps hands germ free & moisturizer, antioxidant makes skin saturated keeping skin dry. So, during this pandemic situation, it is best to use alcohol-based sanitizers to maintain personal hygiene and fight against this dangerous virus, and it should be used in a proper routine by everybody.

The Case for Alcohol-Free Sanitizers:

So considering the present situation of COVID-19 pandemic going on, many healthcare centres researches have shown that alcohol-free hand sanitizers might not kill every kind of germs, bacteria, and viruses. Alcohol-free hand sanitizers contain ammonium compounds (called benzalkonium chloride) rather than alcohol to reduce microbes and these agents are less effective than alcohol. Alcohol-free hand sanitizers don't dry out hands, and they create a little foam after rubbing hands, they have no fragrance. Most alcohol-free hand sanitizers in the market are water-based foam and many of them contain 0.1% concentration of Benzalkonium, rest of the solution contain mainly water, skin conditioner and vitamin E for moistening purpose. Usually, these solutions are much easier on the hands, and the possibility of fire hazards is less and is non-damaging to surfaces.

Regardless of some reasonable advantages, alcohol-free based items presently can't seem to increase genuine selling in the health market. Alcohol-based gels keep on being supported by healthcare associations, and in this way observed as an increasingly defensible arrangement by the individuals in the field. It isn't so much that these associations don't perceive the acceptability of alcohol-free based arrangements. The expression "Alcohol-free" could apply to any number of items available and it's a wide term that makes it unfamiliar for offices like the CDC and WHO to embrace or to promote. So, during this situation of the COVID-19 disaster, it is not the right time to purchase it.

Both varieties of products do more or less the same job in killing harmful microbes. Choosing the proper product by knowing your needs against your environment, budget, and private preference. But nowadays because of this COVID-19 pandemic, the Alcohol-based Sanitizers are suggested by the Health Experts to be used daily to kill the virus on your hands and body.

Insurance is one of the most important and interesting sectors in the world. It is there to secure you, yet it in some cases appears as though a gigantic misuse of assets in the event that you don't wind up requiring it. There are 5 various types of insurance policies that most financial experts recommend that all of us need to buy: Auto, Life, Home, Health and Disability. Each one of these insurance covers a specific aspect of your life and each one is very important to your financial future.

Know about 5 different types of Insurance Policies you should have:

Auto Insurance: In case one possesses a car, an auto insurance is definitely needed. Firstly, every state requires that a car has auto insurance and for those who travel predominantly in their cars, it would be difficult to find a replacement immediately if the car happens to be in an accident. Moreover, if it was your own fault during the accident, the liability is likely to become more expensive. The auto insurance money would definitely pay all the medical bills and one might also choose to get accidental death insurance separately or as a rider with the existing insurance.

Life Insurance: Life Insurance is an important insurance policy, perhaps the most important of all. In the event of the untimely death of the policy holder, who is often the breadwinner in the family, the rest of the family will have the financial assistance they require. It is expensive to run a household, and there are the added expenses of the children’s education as well. So it is important to assess one’s needs and get life insurance which will be enough to cover all the expenses.

Home Insurance: If one’s home is damaged in any way, then there will be vast expenses to incur, in addition to dealing with the emotional trauma of losing one’s safe haven. Moreover, depending on the intensity of the damage, a lot of expenses would be incurred for renovation or to buy or rent a new accommodation. The home insurance will protect you in such times and you will get the funds to make repairs to your home, or make provision for lodging, without having to pay for all of them at one go out of one’s own pockets.

Health Insurance: In case one does not have health insurance, then they should make up their minds about incurring huge medical bills in case of an illness or during hospitalization. The costs of good healthcare is increasing in leaps and bounds and the money from health insurance will be a safeguard when such a situation arises, allowing you to pay for medical expenses of all sorts like doctor’s fees, hospital expenses, medicines, and also expenses incurred during recovery. It is needed more so in the case of chronic conditions and even if one is in good health, they should have a basic insurance to cover the major medical problems or lifestyle related illnesses that might crop up in future.

We all face eye problems at least once in our lifetime. Some of them are minor which gets easily cured on their own but some of the major ones require an ophthalmologist’s care. It’s always good to have prompt treatment and diagnosis to avoid any problems with the eye later. Uveitis, a rare condition is not so common but when it is diagnosed it can leave a person blind in advanced stages. So let's go through this article to know more about this disease.   

What is Uveitis?

Uveitis is the inflammation of the middle layer of the eye which is composed of iris, ciliary body, and choroid, and they are collectively called the uvea. The uvea is responsible for supplying blood to the retina which is the light-sensitive part of the eye that focuses on the images you see and sends them back to the brain. Uveitis is also called Chorioretinitis. It's an autoimmune disorder that has a very few cases every year in India.

Uveitis can be caused due to any sort of eye injury, inflammatory diseases or exposure to many toxic chemicals. There are various types of Uveitis based on the inflammation caused in the uvea-

Anterior Uveitis - Often referred to as iritis because it damages the parts around the iris, it is the most common type in adults and children. It is generally regarded as acute because it occurs suddenly and lasts for a maximum of six weeks. Symptoms like pain, sensitivity, and redness are observed in Anterior Uveitis.

Intermediate Uveitis- It is referred to the inflammation caused in the ciliary body, the front portion of the retina and the vitreous body. It is the least common type with no proper causes. Floaters and blurry vision are the key symptoms of this uveitis. Cyclitis, pars planitis or vitritis are the other names of Intermediate Uveitis.

 Posterior Uveitis- It is a chronic inflammation of the optic nerve, retina and the choroid. It can last from weeks to years affecting both the eyes. Its potential cause is the abnormal immune system of the human and its most common cause is the organism toxoplasmosis which can badly affect the eyes.

Panuveitis- When the inflammation affects the entire uvea, it's called Panuveitis. One may even suffer vision loss from this type of uveitis. Most of the cases of uveitis are chronic and they affect the eyes badly and people experiencing them start to have elevated eye pressure, cataracts, glaucoma or retinal detachment. These complications can lead to permanent loss of vision. It is highly recommended to consult an Ophthalmologist when these symptoms are experienced to avoid advanced stages of this disease. 

SYMPTOMS- 

Uveitis can affect one or both the eyes depending upon the amount of infection caused. They affect the eyes very quickly and in some potential patients, it occurs frequently.

The early signs might include- 

Redness in the Eyes

Acute to chronic pain 

Experience of blurry visions

Sensitivity to light

Floating tiny dots in the vision

We highly recommend you consult an eye-surgeon if you experience any of these symptoms in your vision, as they can help you with better treatment for your eye which can help you in avoiding permanent loss of vision. 

CAUSES OF UVEITIS-

There are several causes that are still unknown. It can be due to fungal, viral or bacterial infections too. And sometimes it is associated with other disorders too. Smoking can be one of the potential causes of Uveitis.

Here’s a list of some disorders which might cause Uveitis -

ankylosing spondylitis

herpes simplex

herpes zoster

inflammatory bowel disease

juvenile rheumatoid arthritis

leptospirosis

lupus

Lyme disease

multiple sclerosis

psoriatic arthritis

sarcoidosis

syphilis

toxocariasis

toxoplasmosis

Tuberculosis

TREATMENT

The treatment of Uveitis highly depends on the cause and type of Uveitis. Generally, your eye-specialist will recommend eye-drops in initial stages and maybe if Uveitis is caused through any other disorder, eliminating that disorder could be a helping hand in reducing inflammation in the eyes. 

Some of the treatment options include-

Treatment for Anterior Uveitis-  Your ophthalmologist might recommend you to use dark-colored glasses and eye drops to dilate your pupil. All these will be very useful in reducing the pain.

Treatment for Posterior Uveitis- This treatment might include steroids, injections near your eyes or visits to other specialists to first eliminate any kind of infection or any autoimmune disease. The use of antibiotics is done to remove bacterial infections.

Treatment for Intermediate Uveitis- This includes the use of steroid eye drops highly useful in eliminating inflammation and redness of the eyes. Oral steroids are often referred to in the treatment.

Recently Insurance Samadhan did a Facebook live session to clarify the doubts on Insurance Policies with respect to Covid 19 and locked down for 21 days. We could answer many questions and compile the same for the general interest of the public. However a brief understanding is given below:

Life Insurance Contract is an universal contract only with one exclusion of suicide in first year of policy. In all other cases, insurance covers all perils including the threat of virus like covid 19. So those who are insured should not have any worries.

Health Insurance is an indemnity contract and covers all treatments including that of Covid 19. Health insurance contracts may have some specific exclusions but all old contracts would not have exclusion of Covid 19 because this disease was not known. However, most Health Insurance contracts do have a clause of Force Majeure including the impact of pandemic. But this exclusion can not be applied without approval of regulator IRDA. Till date IRDA has appealed to all Insurance Companies to expedite case settlement of Covid 19. So the public should not worry about the front of application of Health Insurance. It is possible that Health Insurance may include exclusion of Covid 19 when you are applying a new Insurance Policy.

Public staying abroad should also not worry because their travel insurance covers all treatment including Covid 19. This seriousness was not a known risk when you travelled abroad.

However  Health or Travel Insurance would have a limitation of Sum assured because one may need a Single room or ventilator service which may exhaust Sum assured very fast. Please note that Single Room increases cost of treatment by at least 35%  thus reducing the number of days of treatment.

So whether you are in India or abroad, you need to use your insurance in a judicious way so that your applicable sum assured remains with you. We also need to be aware that Covid 19 spreads faster in family members. If your family is covered through Family Floater, you need to use the total sum assured after consultation with your Insurer so that you are ready for any emergencies.

General Insurance is again an indemnity contract and covers specific Perils like fire, flood, natural calamity. Insurance Companies offer  Loss of Profit policy – which covers risk of business loss due to closure of factory, warehouse, shop etc because of specific peril of fire or flood or natural calamity. Hence business loss due to Covid 19 will not be covered under Loss of Profit policy.

Covid 19 may offer business opportunities to Insurance Companies to design Policies covering risks like Covid 19 and many companies  may be filing products with IRDA. Religare and Digit has already launched Health Cover under critical illness covering Covid 19. These products have their terms and conditions which need to be weighed before taking any decision.

Insurance Samadhan tried to do initial research and have observations as detailed below :

Life Insurance : At the outset , life insurance is not an indemnity product and has no exclusion of epidemic or pandemic . Hence all life insurance claims are admissible without any exclusion .

Critical Illness : Covid -19 does not fall under critical illness hence it will not apply . However , Covid 19 may cause damage to the kidney which is covered under critical illness . In case the kidney is damaged and patient survives for 30 days then a critical  illness  claim is admissible .

"How to take care of your pets during the coronavirus lockdown”

The implementation of the national lockdown in India has demanded people to stay at home during this time. Due to its strict limitation, people are spending leisure time at their home with their loved ones. Our furry friends are completely delighted during this phase as they are getting to spend time with us. But this lockdown has made some sort of restrictions for our dogs too as we will not be able to take them for walks as frequently as we used to. But it's the perfect time to utilize this opportunity to keep them entertained and engaged during the coronavirus outbreak.

Staying healthy during this uncertain time is equally very crucial for both pets and humans.

Here are some ways through which you can keep your pets occupied-

Training- Almost every pet understands some basic orders like “Sit Down” and “Come” but during this quarantine time, go for advanced levels like “ Stay”, “ Speak”, etc and after they have mastered them, go for other new tricks like “Roll Over”, “Give a High-Five”. This will not only strengthen your bond with them but this will also make them different from the rest.While doing all this, don't forget to reward them after every skill they have mastered. Try them in the form of short sessions of about 15-20 mins, you will have fun doing them and on the other hand, your pet will be the happiest to do all these tasks.

2. Puzzles and Brain Games- Are you aware that there are numerous games and puzzles especially for pets? These puzzle games are made in a way that your pup is forced to solve them just out of curiosity. And a study claims that mental activities are way more exhausting than a physical one. Go for simple puzzles first, help them understand and reward them so that they don't lose interest or get frustrated. Go for the advanced puzzles as soon as they finish the easiest ones. This is one of the most effective ways to get them engaged.

Grooming Sessions- In our busy work schedules, we often forget to keep our pets clean. Grab some natural pet care products and clean them thoroughly as you only need to clean them for a while. This will help them have a healthy shiny coat, will keep them away from the scaly scalp and various infections. Being healthy during this time is equally crucial for everyone. Keep a check on their dental health too as good dental health denotes a pet’s complete health. Always have a look at their coat for fleas and ticks. Removal of ticks and fleas is important as they cause numerous diseases to them. Take all the necessary steps in making them clean and healthy during this time.

. Pet Accessories- As the lockdown has shut the stores and the online services have abruptly stopped. You might not be able to get new accessories for your pets. But making the old ones available for them is the smart move. Collect all their toys, clean them thoroughly and you are ready to keep them engaged. The purpose of these accessories is just to nurture your relationship with them and these will keep them entertained for hours. And when it comes to the leashes and collars those can be washed again and used till the normal life resumes. 

Toilet Training- This could be a major problem for owners whose pets have to go multiple times outside to relieve themselves. And it becomes a more important issue when you don't have your private yard. But this issue can be resolved with the help of training. Initially, you might feel this as a challenging task to do but once your pet has successfully mastered it, it will be a feeling of relief for you too. All you have to do is make them understand which place they have to go when the perfect loo time comes to them in the form of training in your way. You can even take the help of pee pads or fake grasses to help them understand better.

It is a type of health insurance that covers all kinds of medical insurance and the insurance company will be obliged to give the policyholder an insurance cover in exchange for a premium.

What are the various forms of Health Insurance available?

Health insurance is mostly needed to cover costs of hospitalization during the treatment of an illness. Nowadays, there are provisions of paying through cashless facilities and one can get a fixed benefit disbursed as well.

Why is Health Insurance Important?

Health Insurance is important for all family members but the needs of each family vary. Any member of the family could suddenly be hospitalized and a huge expense would have to be incurred from one’s own pocket if there is no insurance. In case one does not have the resources to pay for premiums of all the individual family members, one can also opt for a family floater plan as well.

What are the various kinds of health insurance plans  available?

One has the option to invest in micro- insurance policies that start from Rs 5000 and they go up to a sum insured of Rs 50 lakhs as well. The amount can be even higher for critical illness plans. Most insurance companies will offer an amount of Rs 1 lakh to Rs 5 lakhs. The sum insured cannot be increased after the claim has already been made. On the other hand, non- life insurance companies offer health insurance for about one year only.

What is a cashless facility?

Insurance companies now have tie ups with all the major hospitals in the country and it forms a kind of network. So those who offer cashless facilities, will be paying the money to the hospital directly and the patient’s family would not have to undergo the additional hassle of claiming the money after having to pay the bills first from their own pockets. However, the expenses beyond the limit would still have to be covered by the patient himself.

Are there any tax benefits from health insurance?

Yes, there are often tax benefits that arise out of health insurances and there is also a section of the Income Tax Act that provides these benefits, mostly under Section 80D, which is unlike the Section 80C, that is meant for life insurances and other investments. An annual deduction of Rs 15,000 is allowed according to present tax rules and it is higher for senior citizens like Rs 20,000.

What are the factors that may affect health insurance premium?

The age of the person is of course a major factor and the higher the age, the more the premium, because one becomes more susceptible to illnesses. If the person already has a medical history then the premiums might be higher. The number of claim free years one settles for would be another factor.

What are the aspects that a health insurance policy does not cover?

Any kind of pre-existing diseases are not covered or there is a no- claim period one has to settle for. There are also standard exclusions for optional treatments like cosmetic surgery. Contact lenses, hearing aids and dental treatments are not covered, along with congenital defects, AIDS and intentional self injury. Please read policy documents carefully before signing on the dotted line.

How can Insurance Samadhan help: The Healthcare and Medical Services sector of any country is critical for its welfare. Government, employers and the society at large need to understand health insurance clearly. Only then can they implement productive strategies for managing health and medical insurance.

Presently, the majority of disputes usually occur due to misunderstandings, exclusions and non-standardization of laws related to medical insurance. Corporate Hospitals have TPA (Third Party Administration) desks but similar facilities are unfortunately not available everywhere. Additionally, incorrect declaration at the time of policy initiation and poor documentation create even more issues.

At Insurance Samadhan, we firmly believe in the transparency and integrity of the system and understand the limitations faced by the common man who has trouble understanding the “Heavy Words” of the industry, like understanding exclusions and permissible limits linked to room rent. Which is exactly why at Insurance Samadhan we work relentlessly on case representation at all forums with the intention of resolving various health insurance complaints.

 Buying insurance online is always a mixed bag for people; there are pros and cons to it although, in recent times, the pros far outweigh the cons. Buying an insurance policy is no longer restricted to those days of consulting with insurance agents or financial advisers who would showcase a bouquet of plans, explain all the features and then the customer would choose the plan that was most suitable based of course on advice and often personal relationships. Yet, most of us still buy insurance in the way mentioned above. A tiny fraction of people has started buying insurance online although the number is growing each and every day.

However, everyone might have different requirements when it comes to addressing queries and research before selecting the appropriate Insurance Plans. So, before you decide to follow the cue, you need to know about some major pros and cons of buying an online insurance policy.

Know about top 5 Advantages (Pros) of buying Insurance online:

Lower Costs: The overall insurance cost does tend to dent our pockets sometimes and let’s face it; the amount payable for agents and intermediaries and also advertising costs do take up a small but significant chunk of the insurance cost paid offline. At the same time, buying online means the total absence of these factors and hence your insurance purchase cost is automatically lowered with comparatively lower premiums as well in most cases. When you purchase online, you directly purchase from the insurance company and hence the lower costs in some cases.

Seamless Plan Comparison: While buying online, you can easily compare all insurance plans that you come across in a particular category easily, something that is not possible online. You can check out all the listed features, rates and then make a decision accordingly.

More Convenience: Buying online is always more convenient. You can browse through insurance plans at home or work and purchase at your own convenient time without having to depend on anyone. There are several online chat functions at websites of leading insurance companies that often help you out with necessary guidance. The whole KYC procedure is now easier online while you can fill up your own details in a hassle-free manner instead of worrying about the agent getting them wrong.

Seamless Documentation: You do not need to worry about the mountain of paperwork which usually accompanies insurance plans offline. You can easily upload documents electronically and verify them along with submitting application forms online and even making the payment online.

Keeping mis-selling firmly at bay: Mis-selling is a major problem in the insurance space and buying online helps you prevent the same. This is a scenario where agents sell you plans with higher commissions but no real benefit for the specific needs that you have. However, when you are buying insurance online, you are dealing directly with the insurance company. Hence, the company will help you choose the right policy based on your needs since there is no agent’s commission involved here.

Know about top Disadvantages (Cons) of buying Insurance online:

Mis-selling by third-parties: Several third-party insurance platforms and aggregators are there to help you with choosing the right plan and buying the same. However, the risk of mis-selling still exists since agents here may convince you to buy plans on which third parties earn higher commissions. Also, the cost factor once again comes into play here along with repeated hand-holding (may be excessive) by agents.

Lack of Proper Guidance: Buying yourself online may be problematic at times due to the lack of suitable guidance from a neutral party, i.e. you are buying from the insurer and the company will naturally guide you towards its suitable products. However, the need for an advisor or impartial financial guide is often felt when it comes to comparing insurance companies and features of their products.

Rejection of Claims: Rejections of claims is something that every insurance customer dreads. However, insurance claims are sometimes rejected in online purchase cases where the customer may not have entered everything correctly or some information has been skipped due to lack of proper guidance. Buying from an experienced intermediary or advisor offline may help you deal better with these aspects.

Going by the pros and cons of buying insurance online, it would be fair to state that one should operate depending on his/her comfort level.

Coronavirus has been the most horrific nightmare today and it has been declared as a Pandemic Disease by WHO (World Health Organization). It started from a place called Wuhan in China and since then, this disease has spread all over the world at an alarming rate. Today this disease has taken several lives worldwide and to date, we do not have any treatment to cure this. 

Coronavirus belongs to a group of viruses that are highly composed of strains that causes deadly diseases in birds and animals. It causes respiratory illness in humans. And the virus generally transmits through respiratory droplets produced by an infected person during coughing and sneezing ( within about 6 feet distance). Post-infection symptoms include fever, cough, sneeze, shortness of breath. And it has been declared by the health ministries that the symptoms can arise within 2 to 14 days after contact with an infected person.

Considering the rapid spread and consequences of the virus, the WHO and CDC have provided all the necessary information and shared it with the world.

As of now, no cure has been invented to prevent the prevailing infection but the health ministries have recommended taking preventive measures to avoid yourself from getting exposed to this deadly virus. Sanitization and healthy hygiene practices are the most effective during this stressful time. Wash your hands with hand wash and water for at least 20 seconds and this should be done before and after taking meals, after using washrooms and especially after coughing and sneezing. But what if there is an unavailability of soap and handwash? Or if you run out of them? In situations like these, the use of 60% alcohol base hand-sanitizers is highly recommended which is again an effective way to sanitize your hands.

In order to fight the prevailing infections and diseases, we highly recommend you to use our DISILON Medicated Hand and Body Wash. This product is highly enriched with Vitamin E Tea Tree Oil and will leave a mild glow on your skin. Are hand -sanitizers making your hands rough? Don’t worry this product will give you all the hydrating nourishment which you are looking for. However,  It is best known for cleansing and its creamy lather makes your skin softer and silkier. And it’s two in one use (body and hand wash) makes it somewhat different from the others. 

But when it comes to fighting the deadly germs, are we really using the right hand-sanitizers? That’s why Disilon Forte Hand- Sanitizer is there at your service. This sanitizer is very efficient in protecting you from 99.9% germs. In general, hand sanitizers are recommended when soaps and water are not available but in healthcare sectors, alcohol-based hand-sanitizers are recommended more because they are highly efficient in killing microorganisms, various kinds of bacteria but when we talk about the viruses, only 90% of alcohol can kill wide range of viruses but this much amount is highly flammable and can cause adverse effects.

Every day we spend most of our time at our workplaces and come in contact with many objects which contain pathogens and germs having the potential to weaken our immune system thus causing us infections or diseases. That’s why it is very crucial for us to sanitize our surroundings to live a healthier life. Many people get confused about cleaning and sanitizing. But there is a big difference between the two. Cleaning refers to the removal of dirt from the surface to make it look decent but sanitization is a process of removing all the possible microorganisms from the surface to reduce the chances of infections and diseases using sanitizing tools.

One such product, to make your tiles cleaner is, Glanzz. This is the most efficient tile cleaner for your kitchen and bathrooms. Not only this, but they are also used to clean glassware and steel surfaces. Glanzz will show its effective results right from the first use. It will make your filthy, untidy tiles new again with the best lustrous look. Tiles are always exposed to harsh conditions which can cause damage to them. But with this product, you can avoid further deterioration of your tiles.

Every sort of sanitization is very crucial during this outbreak to prevent the spread. Hand washing practices should be strictly followed and frequently touched objects and surfaces should be sanitized. Since there is no cure for this disease, it is best to take preventive measures as per the guidelines provided by the health ministries. Keep yourself away from dirty places and build your self immunity by indulging yourself in healthy eating habits to fight from the army of harmful pathogens prevailing in the environment. Let’s together fight with this pandemic disease.

STAY SAFE, STAY HEALTHY!

Today Glaucoma is one of the biggest reasons to cause blindness all over the world. It usually belongs to that group of eye diseases that damages the main vision nerve i.e. optic nerve. In its early stage, this disease doesn’t have any symptoms and the disease becomes evident at the most advanced stages and this makes it more dangerous than other eye-diseases.

For this very reason, you need to take preventive measures to protect your eyes even when you have perfect visual acuity. Here we will be discussing its symptoms, treatments and preventive ways to prevent Glaucoma. But first, let’s get into the details and background of this common eye disease.

What is Glaucoma? 

Glaucoma is often referred to as the “silent thief of sight” because it generally does not produce any effective signs and symptoms until and unless a notable vision loss is observed. But early warning signs such as-

 Severe pain in the eyes,

Extreme redness in the eyes, 

A sudden headache, 

nausea and vomiting,

The appearance of halos or rainbow rings around the lights,

Cloudy eyes, etc can be the potential signs leading to Glaucoma.

However, it is referred to as a disease in which the fluid inside the eye rises and damages your eye’s optic nerve making you completely blind. It gets worse during the time and known to pass on in families from generation to generation. 

Signs and Symptoms of Glaucoma- 

Various types of glaucoma usually don’t show any symptoms and no pain is felt during the process of this disease, a direct vision loss occurs at the advanced stages. For this very reason, it’s highly important for you to have comprehensive eye-checkups, so your Glaucoma Specialist can detect any dangerous change in your vision and can help you with further treatments.

The most common forms of Glaucoma are- 

Primary open-angle glaucoma (POAG), and 

Acute angle-closure glaucoma (ACG). 

Symptoms of Open-angle Glaucoma (POAG)-  

It is often referred to as a “sneak thief of sight” because no warning signs are observed until complete loss of vision has occurred. It usually occurs very slowly and in some cases, the vision loss is not noticeable for many years. Gradual peripheral loss in your vision and formation of tunnel vision in the advanced stage is the potential signs.

In most of cases, people who suffer from open-angle glaucoma don’t notice any vision loss because the initial stages usually involve loss of side or peripheral vision and the clarity of vision is maintained until late in the disease. And by the time the disease is diagnosed, it becomes quite advanced. However, the loss of vision from glaucoma is irreversible even with an eye-surgery. It is highly recommended to consult an eye-specialist for regular checkups. And in case you get diagnosed, the glaucoma specialist can prescribe certain treatments to help you avoid your vision loss.

Open-angle glaucoma is the most common type which is still affecting about four million Americans. People who are diabetic or have cardiovascular diseases are at increased risks. And if your parents or siblings are suffering from glaucoma then there might be chances that you may suffer the same. 

Symptoms of Acute-angle closure glaucoma (ACG)-

It is also called narrow-angle Glaucoma, where the formation of the angle is usually closed which creates pressure in the eye leading to damage to the optic nerve and clarity of vision. The pressure can arise suddenly or in a moderate form. The early stages of this disease usually involve the closure of the angle where the pressure is not much to affect the optic nerve.

The symptoms include blurred vision, extreme eye, and head pains, feeling of nausea and vomiting, the appearance of rainbow-colored circles around bright lights, redness in the eye, halos around lights, and in some cases a sudden loss of vision can be seen too.

The symptoms of this narrow-angle Glaucoma are easily detectable and the damages are caused very fast. If you suffer from any of these symptoms, immediately consult an eye specialist for further treatments. 

TREATMENT- 

The top-most priority during the treatment of glaucoma is to reduce the intraocular pressure to avoid further loss of vision. Treatment might involve surgery, laser treatments or medications depending upon the seriousness of the eye. Firstly, the specialists will start the treatment by prescribing the eye-drops and if this is not enough, your eye-specialist might ask you to get further advanced treatments. Other treatments may include:

MEDICATIONS- Various medicines are designed to reduce the intraocular pressure for your eye. These medications include eye-drops and pills, but the most common form is the eye-drop. The specialist might prescribe you either one or a combination of both of them to help you with your eye.

SURGERY- There might be reasons which can increase the intraocular pressure in your eye making the situation worse. The surgeries might be recommended to provide a path for the fluid to pass or to destroy some tissues which might be responsible for the increase in the fluid.    

PREVENTION-

REGULAR EYE-CHECKUPS- In order to prevent Glaucoma, regular eye-checkups can be the best option to prevent further damages. The range of checkups depends on the age factor as well. 

In every four years- Below the age 30

In every three years- Between the age of 40 to 50

In every two years- Between the age of 50 to 60

In every six months- After age 60

REGULAR EXERCISES- Indulging yourself in regular exercises will benefit you in the long run. Walking for at least three times a week will help you reduce intraocular pressure. That’s why it is highly important to exercise regularly to remain healthy and fit.

REDUCE YOUR SUGAR-UPTAKE- Foods composed of sugar such as potatoes, rice, cereals, etc increase the insulin levels in your body leading to an increase in blood pressure and eye pressure. During the course of time, this will make your body insulin-resistant and insulin-resistance is directly linked to raised eye pressure.

PROTECT YOUR EYES- Make it a habit to wear protective eyewear during sports and other high -risk activities as eye injuries can lead you to glaucoma. So wearing a protective eye-gear can help you a lot to prevent any disease later.

INTAKE OF DARK-COLOURED BERRIES- Blueberries and cranberries are composed of bioflavonoids which are highly efficient in preventing macular degeneration. These berries strengthen the capillaries which provide nutrition to the nerves and eye muscles. But don’t consume them in abundance as they are rich in sugars and this can increase your insulin levels too.