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Os 5 Melhores planos de saúde da atualidade

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Os 5 Melhores planos de saúde da atualidade

Você sabe quais são os melhores planos de saúde da atualidade? Nem sempre é fácil encontrar um plano de saúde que seja barato, eficiente e com vantagens incríveis ao mesmo tempo.

Mas se você procurar com atenção, com certeza encontrará uma opção bem perto disso. Para te ajudar, separamos um guia completo com os melhores planos de saúde da atualidade.

São planos completos, com abrangência nacional ou regional e muitas comodidades para os contratantes. Vale a pena conferir essa lista, para encontrar a solução perfeita para as suas necessidades.

1. Amil

Melhores planos de saúde da atualidade

A Amil é considerada uma das operadoras de plano de saúde com mais qualidade do país. É também uma das maiores em número de clientes atendidos, planos oferecidos e coberturas.

Assim, é uma das principais opções para você que busca um plano de saúde com excelente custo-benefício. A Amil com certeza está na lista de melhores planos de saúde da atualidade.

Vamos falar um pouco sobre os principais pontos em que essa operadora se destaca. Descubra por que ela está se tornando uma das queridinhas nesse seguimento e quais são os seus diferenciais.

Plano de saúde simples com cobertura nacional

Apesar de oferecer aos seus clientes diversas opções, a Amil conta com um plano simples e barato, com cobertura nacional. Isso significa que você pode contratar em qualquer região do país e ser atendido em qualquer lado.

Por se tratar de um plano simples, ele conta com todas as coberturas básicas obrigatórias por lei, que são determinadas pela Agência Nacional de Saúde (ANS).

Plano de saúde premium acessível

Se você busca por um plano de saúde com mais vantagens e benefícios, a Amil conta com opções de ponta. Os seus produtos premium são bem mais caros, mas considerados acessíveis dentro do segmento.

Serviço Amil Resgate, transporte hospitalar reconhecido pela Joint Commission International

A instituição internacional que avalia os serviços dos planos de saúde reconhece a qualidade do serviço Amil Resgate. Esse é um serviço que conta com veículos de transporte próprios, como ambulâncias equipadas e até mesmo aviões.

Nota alta no Reclame Aqui,

A nota média da empresa no Reclaque aqui é de 7 pontos, o que é considerado bom para um plano de saúde. Além disso, mais de 70% das reclamações são resolvidas de forma satisfatória, o que demonstra o interesse da empresa em resolver conflitos.

2. Bradesco Saúde

Bradesco saúde ceara

Entre os melhores planos de saúde da atualidade está o Bradesco Saúde. Essa instituição financeira também oferece soluções para pessoas e empresas que querem se proteger dos riscos do dia a dia.

O Bradesco Seguro é um plano completo, com vários produtos, que variam de preço. Assim, você pode escolher a opção que melhor se ajusta às suas necessidades e orçamento disponível.

Opções de reembolso para todos os planos

Um dos grandes destaques do Bradesco Saúde é que todos os planos oferecidos contam com opções de reembolso. Assim, se o cliente faz uma consulta ou procedimento fora da rede, pode solicitar o valor de volta.

Para saber as condições específicas para o reembolso, os clientes devem consultar o contrato. Geralmente são estabelecidos limites máximos para que o benefício seja solicitado.

Ampla rede credenciada nacional

A rede credenciada dessa instituição é grande, formada por vários hospitais, laboratórios e clínicas de qualidade. Assim, os clientes podem ser atendidos de forma rápida e eficiente, sem a necessidade de esperar muito pelo serviço.

Nota alta no Reclame Aqui

A pontuação média do Bradesco Saúde no Reclame Aqui é 7, o que é considerado bom. Mais de 70% das reclamações são resolvidas de forma satisfatória e muitos clientes afirmam que voltariam a fechar negócio.

3. NotreDame Intermédica

Uma imagem contendo screenshot Descrição gerada automaticamente

Essa é uma operadora de plano de saúde que está se destacando no segmento, oferecendo a seus clientes uma série de produtos nacionais. Os valores cobrados estão na média do mercado, sendo possível encontrar até mesmo planos mais baratos.

Destacamos abaixo as principais informações sobre essa operadora, para que você entenda o motivo de ela estar entre as melhores planos de saúde da atualidade.

Contratação or CNPJ

Diferentemente da maioria dos planos de saúde que permitem a contratação apenas com o CPF, na NotreDame você consegue contratar usando o CNPJ. Isso é ótimo especialmente para pessoas jurídicas, sejam empresas ou microempreendedores.

Convênios básicos com cobertura nacional

Mesmo nos planos mais básicos, os clientes contam com cobertura nacional. Assim você pode buscar atendimento em qualquer região do país. E por se tratar de uma grande rede de cobertura, você não ficará desamparado.

Opções de planos de saúde premium com acesso a grandes hospitais brasileiros

Outro grande diferencial está nos planos premium, que são voltados para pessoas com maior poder aquisitivo. Ao fazer a contratação, você poderá ser atendido em grandes hospitais brasileiros, com os melhores profissionais da área da saúde.

No entanto, essa comodidade vale apenas para os planos mais caros da operadora. Os valores podem chegar a mais de R$5 mil reais mensais por cliente. Nos planos mais básicos, o atendimento acontece em instituições tradicionais.

Nota alta no Reclame Aqui

No site Reclame Aqui, a NotreDamne conta com uma pontuação elevada, sendo de 8. Isso é considerado muito bom, tendo em vista que as demais operadoras geralmente ficam com a pontuação 7.

Já o índice de soluções em casos de reclamações é de quase 90%. Isso demonstra que a seguradora está sempre em busca de soluções para os problemas relatados por seus clientes.

4. Sulamérica

Uma imagem contendo desenho Descrição gerada automaticamente

Não poderíamos fazer uma lista de melhores planos de saúde da atualidade sem mencionar o SulAmérica, uma das opções mais recomendadas do mercado. Existem opções para pessoa física e também para pessoa jurídica.

Por se tratar de um plano de saúde conhecido nacionalmente e até mesmo internacionalmente, ele possui um grande número de clientes. Ao fazer uma cotação você terá acesso a planos que vão desde o básico até o premium.

Mesmo nos planos mais simples os clientes contam com muitos benefícios. Listamos abaixo alguns dos diferenciais dessa empresa:

Contratação online

Quer fazer a contratação do seu plano de saúde sem sair de casa? A SulAmérica oferece um processo simplificado e digital de contratação, completamente online. Assim, você pode escolher o seu plano de saúde e contratar de forma remota.

Abrangência nacional em todos os planos de saúde

Os planos de saúde dessa operadora são todos nacionais, o que significa que possui cobertura em todo o território brasileiro. Dessa forma, ao contratar você poderá ser atendido em qualquer Estado da federação e Distrito Federal.

Desconto de até 30% no primeiro mês de adesão

Para estimular o ingresso de novos clientes, essa operadora conta com grande vantagem: um desconto de até 30% no primeiro mês. Assim você começa pagando pouco, economizando dinheiro.

Desconto em vacinas, nas redes de clínicas parceiras

Outro ponto interessante é o desconto para vacinas. Além das vacinas obrigatórias por lei, os planos de saúde contam com descontos em diversas outras vacinas, o que facilita o acesso por parte dos clientes.

Nota alta no Reclame Aqui

A pontuação do plano de saúde SulAmérica no Reclame Aqui é alta, sendo de 8 pontos em média. Além disso, mais de 80% das reclamações conseguem uma solução interessante.

5. Hapvida

Hapvida caucaia

Para finalizar a nossa seleção de melhores planos de saúde da atualidade, vale a pena mencionar a Hapvida. Apesar de não ser um plano nacional, ele é muito presente especialmente na região norte e nordeste do país.

Assim, a sua contratação é recomendada por pessoas que não viajam muito e por isso não precisam de cobertura nacional. Por ser um plano local, os preços e condições podem ser mais interessantes para os contratantes.

Baixo custo em todos os planos de saúde ofertados

Conforme mencionamos, um dos diferenciais do plano de saúde Hapvida é o custo baixo. Geralmente os planos nacionais cobram bem mais pelos serviços, tendo em vista que oferecem atendimento em qualquer região do país.

Já esse plano de saúde, por ser mais regionalizado, conta com preços considerados muito mais acessíveis.

  • Rede de hospitais próprios

Mesmo não sendo um plano de saúde grande, ele conta com uma rede de hospitais próprios. Dessa forma, os seus clientes podem ser atendidos com muita comodidade.

Em anúncios recentes, a empresa declarou que está em processo de aquisição de novas empresas, para expansão da sua rede.

  • Centro especializado na área de pediatria

Além dos hospitais que fazem parte da rede, esse plano de saúde conta com um centro especializado em pediatria. Essa é uma comodidade muito grande para os clientes que precisam de atendimento nessa área de especialização.

  • Plano odontológico com serviços de prevenção incluso nos planos de saúde

Alguns dos planos oferecidos contam com serviços odontológicos preventivos já inclusos. Esse ponto é interessante especialmente para aqueles que não possuem condições de contratar um plano de saúde e plano odontológico ao mesmo tempo.

Nota alta no Reclame Aqui

A pontuação dessa operadora no site de reclamações Reclame Aqui é superior a 7. Além disso, mais de 80% das reclamações são resolvidas de forma satisfatória entre a empresa e os clientes.

Conclusão

Nesse guia listamos os melhores planos de saúde da atualidade. Como você pode ver, existem muitas opções interessantes para você que está em busca de um plano de saúde.

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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

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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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