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Difference Between Health Insurance And Health EMI Network Card

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As people become more and more aware of not just health, but also well-being and wellness, it is no surprise that there is also growing curiosity, awareness and demand for financial products linked to health and wellness.

There are a lot of new words and new concepts, and very often words are used interchangeably, which leads to confusion about their actual meaning. In order to ensure 360-degree coverage for not just your basic health, but also your overall wellness, we’re going to differentiate between health insurance and Health EMI Network Cards. We’re also going to touch upon the difference between mediclaim and health insurance. And to lay a foundation for all of that, let’s talk about the difference between health expenses and wellness expenses with the help of an example.

When Radha is hospitalized for tonsillitis, it is a health-related expense. The X-Rays taken by the doctor to evaluate the swelling in her tonsils during her hospitalization, and her hospitalization bill will be covered under her health insurance policy.

Pleased with how easily and smoothly her cashless hospitalization was managed by her health insurance company, Radha is keen to finally go for those teeth braces she has been putting off, because she was worried about the cost burden. Maybe she can finally also get a treatment for her acne, she thinks to herself. However, she is disappointed to find out that dental treatments and skin treatments are categorized as cosmetics, and not health. 

But Radha need not be held back from getting her teeth aligned and her skin cleaned up. She can use a Health EMI Card to pay for all her medical expenses across treatments, diagnostic tests and pharmacy bills. But before she jumps to type the words “health card apply” in search, it is important that she knows exactly what she is getting into. 

Scope is one of the key differences between health insurance and a Health EMI Network Card. 

While health insurance covers expenses linked to hospitalization for at least one night, a Health EMI Network Card, like the one offered by Bajaj Finserv covers all medical expenses. These include (but are not limited to) dental care, eye care, diagnostic care, stem-cell treatments, maternity care, slimming treatments, cosmetic and plastic surgeries, and hair transplants among others.

When it comes to health insurance, a sum is paid to insure you for a period of one year, in most cases. During that one year, if you are hospitalized, a large chunk of your hospital bill will be covered. In the fortunate event that you do not need to be hospitalized, however, the sum paid as premium is also forgone. You must pay again next year in order to enjoy insurance cover.

In contrast, a Health EMI Card works more like a credit card, but one that is specifically for medical expenses. However, you can break down heavy health related costs into lighter, smaller EMI payments. For example, if Radha’s teeth braces and skin treatment were together going to cost her about Rs. 100,000, it would definitely be easier for her to pay it over the next 2 years than to cough up the whole amount right there and then.

A Health EMI Card, like the Bajaj Finserv Health EMI Network Card allows users to pay in up to 24 monthly instalments. In Radha’s context, her monthly expense for these two big expenses, would actually amount to a far more palatable Rs. 5,000-odd a month.

You can refer to the Health EMI Network Card as having a wider scope than health insurance. Meanwhile, the difference between mediclaim and health insurance is that the former has a still narrower scope. Mediclaim covers only hospitalization expenses, whereas health insurance also lets the insured opt for critical illness cover.

Now that you know the difference, it is imperative that you opt for a health card, such as the Bajaj Finserv Health EMI Network Card. Ensure that your medical and hospital bills do not weigh you down, and pay for them in easy, monthly instalments.

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Boiler Repairing Company- Here’s How You Should Select One

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Whenever you find something fishy regarding the performance of the boiler, turn it off immediately. Without wasting any time, CLICK HERE  to contact your nearest boiler repair company in London. But finding out a trustworthy and qualified heating professional expert is really tedious.

They are familiar with the risks associated to boiler repair and anticipate the repairing accordingly. So, you must understand the reason to hire Gas Safe registered bodies and read on this blog to accomplish such aim:

Who repairs boiler?

Not everyone knows that plumber and heating engineer isn’t similar! Plumbers are actually experts who deal with numerous fittings within the property like installation of the appliances and bathrooms and dealing with issues in toilets, sinks and drainage system.

They are allowed to install the boiler if they are Gas Safe registered. But always do prefer the Gas Safe heating engineer to install and repair the boiler in both commercial and domestic buildings.

How to find out a boiler repairing company

Hope, you have understood the significance of choosing a Gas Safe registered engineer for repairing your boiler system. Now, it’s your responsibility to look for an appropriate boiler repairing company to feel cosy and warm as soon as you return home after the day is over.

A number of companies are there dotted up the cities of UK to choose from yet you have to be tricky in this prospect. Otherwise, you have to definitely deal with poor installation with low-quality performance!

Local vs. national boiler repairing companies

Leading companies gain the sort of trust and credibility which you are usually looking for repairing the boiler. Often they have hired numerous heating engineers and thereby select the right one for the kind of repair job your boiler needs. Paying a high boiler repairing bill is the only factor which will bother you!

Otherwise, you can opt for a local boiler repairing company for which you can restore the functionality of the boiler at affordable prices. But, you can’t stop thinking whether they are worthy or not in practising the repair job.

Luckily, these days you can find many websites at your fingertips to access and check the standard of services offered by the companies. Accordingly, you will be able to determine the right one for the fixation of the boiler of your property. Also, using the recommendations from your colleagues and friends is a better approach as well.

Aspects to review on for choosing a boiler repairing company

Regardless of selecting a local or national boiler repairing company, several considerations must have in common to select a boiler repair company to get the job done in efficiently:

  • Years of experience

Walking along a boiler repairing company that has many years of experience to operate in this respective field is always better. Or else, you may find the re-emerging of the problems of your boiler system. The popular companies put their 100% effort to create a huge and loyal customer base.

Their efficiency, hard work and standard of the services get reflected through the tons of positive reviews on their website. And if they are still in this trade then your quintessential choice is just in front of your eyes!

  • Preference of the manufacturer

Manufacturer preference is another aspect you can consider during selecting a boiler repairing company. In this case, a particular boiler repairing company always install and deal with the problems of the boiler system of any specific brands thereby they can be trustworthy.

Such companies have a good working coordination with the brands so that they will be able to provide the highest standard of boiler repair and installation services. If they are a boiler-manufacturing expert then surely you are going to get a cost-effective service with undisputed effort for the fixation of your boiler!

  • Customer support and services

Customer support and services is the imperative factor of any boiler repairing company. Nowadays, finding a trustworthy becomes easy via using Checkatrade and Trustpilot. But you must devote a few hours to go through the reviews before finalising anyone to fix your boiler. You can also check the reviews on their respective official Facebook accounts to have a glimpse what the reactions of their customers is.

Also asking for the testimonials directly to the company or engineer you look upon is not a bad idea at all. By doing so, you will get the access to observe the entire thing from the customer’s perspective to decide whether they are worthy to hire or not!

  • Inquire how engineer plans their work

Normally, you might not have any idea regarding the functional ways of the boiler. Hence, asking about the functionality, the issue and plan to correct it to the gas engineer is always a good decision.

  • Insurance proof

Every renowned company has some liability insurance for the loyalty of the customers. It clearly explains somehow in case your hired engineer causes any damage to the property while fixing the faults of the boiler then the company will be responsible to pay the compensation of the damages occurred to the property.

  • Professional certification and accreditation

Always verify the license and certificates before allowing them to repair your boiler. The certificates will let you know that they possess well-training and correct qualification. Whenever, you require someone highly professional and experienced in this specific field you can look for a reputed body. While residing in or nearest to London, if you are looking for heating and plumbing services near you in London visit – 4dheatingandplumbing.co.uk

Now, you have all the aspects to hunt for a reliable and professional boiler repairing company in your locality. Once your task is done and the boiler is performing to its fullest again you must ask for the written and signed report from the engineer. It will act as a significant document in the future if the boiler malfunctions again.

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Is It Normal To Experience Male Discharge?

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Male discharge is any substance, asides from urine which passes through the urethra, a narrow penile tube, to the tip of the penis.

The normal discharge from the penis includes ejaculate and pre-ejaculate, occurring during sexual activity or arousal. Other penile discharge may be a sign of an STD.Uncircumcised men may also discharge smegma, which is normal. Smegma is accumulated dead skin cells and oils. This is known as a skin condition, but not discharge.

Why does normal penile discharge occur?

Pre-ejaculate

Pre-ejaculate, also called precum is a clear, mucosal fluid synthesised in the Cowper’s gland, which sits along the urethra. During sexual arousal, pre-ejaculate comes out from the tip of the penis.

Some men secrete a few drops while others may secrete up to a teaspoon full. In a few cases, men secrete more pre-ejaculate. It helps lubricate the penis for easy penetration and clear acids from urine accumulated in the penis. Lower penile acidity leads to more survival of sperm.

Ejaculate

Ejaculate is a penile discharge that is secreted from the tip of the penis during orgasm. It is white, cloudy and has a gooey consistency. Its synthesis occurs in the Cowper’s gland and seminal vesicles found in the testicles.

About a percent of ejaculate is sperm and 99% water, enzymes, sugar and protein. On average, men ejaculate a teaspoon of semen which contains 200 – 500 million sperm cells.

What causes other male discharges?

Different conditions may cause abnormal male discharge, and they include the following.

Urethritis

Urethritis is a urethral infection which causes inflammation. Sometimes, it shows no symptoms, and in the few cases when symptoms occur, they include the following.

  • A burning sensation while passing urine
  • Greenish or yellowish penile discharge
  • An urgent need to urinate

This condition usually results from bacterial infection contracted during unprotected sex with an infected person. The following sexually transmitted diseases may cause urethritis.

  • Gonorrhoea
  • Herpes simplex virus
  • Chlamydia

Sometimes, urethritis results from common urinary tract infection (  UTI).

Balanitis

Balanitis is ccondition known to cause an inflammation of the glans or head of the penis. This condition can affect both uncircumcised and circumcised men. However, research showed that it is more common in uncircumcised men and affects only about 3% of circumcised men worldwide. Its symptoms include:

  • Itchiness
  • Pain while urinating
  • Smelly discharge from under the foreskin
  • Blotchy and red rash

Balanitis results from any of the following.

  • Poor hygiene

When uncircumcised men do not pull back the foreskin of the penis and clean it regularly, it may lead to accumulation of urine, dead skin, and urine which acts as a breeding ground for fungus and bacteria, leading to irritation.

  • Allergy

Lotions, condoms, soaps, lubricants and other products may cause balanitis

  • Sexually transmitted diseases

Some STDs may lead to inflammation of the head of the penis.

This condition occurs with prosthitis most times. Prosthitis is the inflammation of the foreskin. Inflammation of the head of the penis and foreskin is known as balanoposthitis.

Urinary tract infections (UTIs)

This condition is usually common in women. However, bacteria from the rectum can enter the urinary tract due to improper bowel clean, causing UTI. Common symptoms of UTI in men include:

  • Urgent need to pass urine
  • Fever
  • Pus or clear fluid from the penis
  • Cloudy and foul-smelling urine
  • Burning sensation while passing urine

Sexually transmitted diseases (STDs)

Different STDs may lead to male discharge. They include the following.

  • Chlamydia

Chlamydia is a common STD, affecting several sexually active persons, but they remain unaware because the condition rarely shows symptoms. When symptoms occur in men, they include testicular pain and swelling, urethritis, and watery or mucus-like penile discharge.

  • Gonorrhoea

Gonorrhoea is also a common STD. Most people, including men and women, rarely show symptoms. In a few cases, men may notice testicular swelling, pain while urinating, and greenish, whitish or yellowish penile discharge.

When to see a doctor

If you notice a discharge apart from urine or those related to sexual arousals like ejaculate or pre-ejaculate, you need to see your doctor for medical evaluation. Your doctor may do the following during your examination.

  • Ask about your symptoms
  • Ask about your sexual and medical history
  • Use a cotton swab to take some discharge for laboratory analysis
  • Examine your penis

The doctor may administer any of the following treatments, depending on the cause of the discharge.

  • Antibiotics for bacterial infections
  • Antifungals for fungal infections
  • Steroids for allergic irritation

Conclusion

Normal penile discharge occurs from only sexual arousal, and they include ejaculate and pre-ejaculate. They do not cause discomfort or pain. If you notice any abnormal discharge from your penis, visit your doctor as soon as possible.

You can consult a doctor at STI Clinic London or visit us here to book an appointment with our sexual health expert if you experience abnormal penile discharge.

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Avoid Personal Finance Crisis and Lead a Peaceful Life

crag williams

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Having a major hit on your finances by any event such as unemployment, pandemic, disease etc., can be traumatizing. It can make you go sleepless for nights.

This mere thought of going bankrupt can take a toll on your peace. Being prepared for the situation may not change the situation but will help you cope with the situation effectively. Here are few tips for dealing with your personal finances efficiently:

1. Focus on Liquid Savings

To be financially stable, you should focus on the resources that can be easily liquidated. Resources such as certificates of deposit, short-term government investments, savings, etc., can help difficult times.

The main benefit of these resources is that the value doesn’t fluctuate with the market and will give a decent return when you need it, unlike stocks and exchange-traded funds.

Having such resources may save you from any financial loss. Also, there will be no early penalties.

Stocks are considered a risky venture as they are dependent on the stock market and may fluctuate often. It is advisable to invest in the stock market only when you have several months of liquid cash.

2. Budgeting

The golden rule of staying financially stable is to budget your finances. Budgeting will help you get a clear picture of the incoming and outgoing of your money in an organized way.

Budgeting your finances will also help you to keep some money aside for the emergency fund. It will also give you an idea of how much means you have to incur your expenses and put them in your savings account.

A budget may open your eyes and help you stabilize your finances by giving an actual picture.

3. Minimization of monthly bills

The only way to save money is to cut down on your expenses. In case of financial constraint, it becomes necessary to minimize your monthly bills and expenses. Keeping your monthly payments on the lower side will help you make regular payments even when there is a money shortage.

As mentioned below, focus on budgeting and keep a check on your spending. Check on payments that are less required and if they are really important to be continued. You have to do a self-analysis to know your finances well.

Ask questions such as “Can I switch to a lower internet plan”? Once you ask these questions, you can find answers and cut out on your expenses.

Once you can minimize your expenses, you can mould your habits as per your financial situation. To save you from any emergency, you can buy any lower amount of insurance and be prepared.

4. Bills management

There may be instances when you have to pay late fees or a penalty. But making it a routine is not good for your financial health. By just being organized in your payments, you can save a lot of money and stay on top of your bills.

You can set monthly reminders to make things easy for you. You can set reminders on your phone or any application of your choice. These reminders will remind you of the payment date and 3-4 days before the payment date.

This way, even if you forget, the reminders will help you make your payments on time. Along with the reminders, you can also schedule electronic payments to make payments on your behalf automatically.

Along with these reminders, you can also compile a list of all the payments and bills.

5. Evaluate your Non-Cash Assets

To be financially prepared, you have to include all your assets, i.e. liquid asset and non-cash assets. In case of frequent flying, you can use your miles to save money and still enjoy the benefits of travelling.

You can collect all your gift cards, grocery cards and any other reward cards to get them redeemed. These non-cash assets will help you bring down your monthly expenditure and prevent you from buying any unnecessary stuff.

6. Credit Card Debt payments

One way to reduce your monthly payments is by paying your credit card debt. Your credit card may incur high-interest rates payments every month, but you can cut down on your high monthly expenditure if you ensure to pay your credit card debt.

Clearing out with your interest rates can help you build some funds for an emergency. Besides, it will divert you from these petty issues and keep your focus on more important matters in life.

You may fulfil your expenses by using your credit cards, such as buying a new car or a new house. But paying back on time is important. In case of bankruptcy, you can also take out bad credit car finance from direct lenders available in the market.

These funding sources are helpful in availing necessary funds and also to allow smooth purchase of a car. Here direct lenders because they seem more flexible than the mainstream lenders, especially in interest rates and repayment plans.

The interest rates may be higher but the approval can be there despite low credit score.

7. Good Credit Card Deal

You can ask your bank for a good credit card deal. You can try for a deal that offers a lower interest rate and allows you to breathe.

Paying a lower interest rate will help you to spend on other important things and save money. It is advisable to ensure that your balance transfer fee is more than the interest rate if you want to go for a new card.

8. Find alternate ways of earning cash

With one source of income, it may be a possibility that you may not be able to cater to your expenses efficiently. You can look out for alternative ways to earn extra cash, such as selling your possessions that are no longer in use.

There may be no comparison between the money earned from these activities and your primary job. This money would be too less, but adding the amount over time will lead to a significant amount and facilitate your expenses eventually.

The Bottom Line

Life is uncertain; hence live your life to the fullest and save money for the rainy days.

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