Whats that two tier health care

Two-tier health care is a form of national health care system that is used in most developed countries. It is a system in which a guaranteed public health care system exists, but where a private system operates in parallel. The private system has the benefit of shorter waiting times and more luxurious treatment, but costs far more than the public one for patients. Thus there are two tiers of health care, one for the public at large and another for those who are wealthy enough to pay for better care.

The term is most often used in Canadian health discussions where the debate over two-tier health care has long been central. Moving to a two tier system is supported by conservative think tanks such as the Fraser Institute. The potential for vast profits has created a strong lobby in the health industry, which is today confined to the periphery. As it stands now, Canada does not have a parallel system, free market health care for Canadians being almost wholly banned in fields covered by the national health system; some private clinics and hospitals which were operating when the national health care plan was instituted (for example, the Shouldice Hospital in Thornhill, Ontario) continue to operate, although they may not bill additional charges for medical procedures. Private health care may also be supplied in uncovered fields and to foreigners.

The phrase is also sometimes used in other countries and among health care experts. In Europe it often has the same meaning as in the Canadian context, but is used there to describe the status quo. However, sometimes it has a somewhat different meaning relating to the expansion of private sector involvement through voucher programs or other initiatives.

The proponents of two-tier system argue that it would introduce more flexibility into the system, reducing wait lists and that competition from the private sector would make the public one more efficient. Opponents argue that a two-tier system would tend to draw many of the best doctors out of the public system, reducing the overall level of care. The Canada Health Act is also committed not only access to health care to all, but access to the best health care available for all. Many on the left consider access to the best possible care an important right of all citizens. Competition from the private sector would also almost certainly drive up the wages of doctors and other medical professionals in the entire system. Those who support a wholly public system also say that there is some concern that if Canada would allow a parallel private system within the country, it would be opening itself up to trade sanctions under some of its trading agreements.

It should be noted that all advanced countries in the world have two-tier primary health care to varying degrees except for Canada outside Quebec where officially but not in practice it is illegal. Many two-tier systems do attempt to resolve these difficulties. Australia, for instance, requires all doctors to work some of their time in the public system. However, if care is not superior in the private system no one would use it so a certain imbalance between the care received by the rich and the poor exists in all two-tier systems.

The Canadian people are largely opposed to the notion of two-tier health care, and no major political parties support the notion. In the 2000 Canadian election the Liberals and NDP accused the Canadian Alliance of secretly supporting it, leading to a famous incident when in the leaders debate Canadian Alliance leader Stockwell Day began waving a hand written “No Two-Tier Medicine” sign. Some argue that Canada already does have a two-tier health care system as the very wealthy can go to the United States for treatment, and quite a few Canadians do each year. Some provinces have increasingly allowed the private sector to provide medical services for a fee. Quebec has especially allowed the private sector to provide enhanced medical services to the public for a fee.

It is important that you should know before liver transplantation

Liver transplantation is ideal when the liver no longer purposes sufficiently (liver failure). Liver failure can befall suddenly (critical liver failure) as an effect of contamination or difficulties from unsure suppositories or it can be the end result of a long-standing delinquent. These few circumstances may be upshot in liver failure:

  • Long-lasting hepatitis with cirrhosis.
  • Primary biliary cirrhosis (an ailment where the invulnerable system inaptly assaults and extinguishes the bile tubes triggering liver failure).
  • Sclerosing cholangitis (damaging and tapering of the bile tubes inside and outside of the liver instigating the stoppage of bile in the liver which can lead to liver failure).
  • Biliary atresia (deformity of the bile tubes).
  • Heavy drinking
  • Wilson’s disease (a rare hereditary disease with an irregular removal of copper all through the body, including the liver, causing it to fail).
  • Hemochromatosis (a common hereditary illness where the body is flabbergasted with iron).
  • Alpha-1 antitrypsin deficiency (an anomalous increase of alpha-1 antitrypsin protein in the liver, ensuing in cirrhosis).
  • Liver cancer

How are candidates for liver transplant determined?

Assessments by experts from a range of fields are required to decide if a liver transplant is suitable. The assessment comprises an analysis of your health history and a variety of tests. Numerous healthcare amenities offer an interdisciplinary method to assess and to choose contenders for liver replacement. This interdisciplinary healthcare side may include the following specialists:

  • Liver expert (herpetologist).
  • Transplant experts
  • Transplant manager, generally a disclosed nurse who focuses on the care of liver transplant patients (this person will be your chief interaction with the transplant squad).
  • Social worker to converse your funding linkage of family and friends, service history, and economic necessities.
  • Counselor to help you deal with matters, such as nervousness and downheartedness.
  • Anesthesiologist to talk over possible anesthesia jeopardies.
  • Chemical reliance professional to help those with past of liquor or drug abuse.
  • Financial analyst to act as a link between a patient and his or her insurance corporations.

Which tests are mandatory before getting a liver transplant?

You will be required to carry all of your previous doctor chronicles, X-rays, liver operation slides and a record of suppositories to your pre-evaluation for a liver transplant. To balance and to update previous tests, some or all of the following indicative revisions are mostly done during your assessment.

  • Computed tomography, which uses X-rays and a processor to produce pictures of the liver, screening its size and shape.
  • Doppler ultrasound to govern if the blood vessels to and from your liver are uncluttered.
  • Echocardiogram to help assess your heart.
  • Pulmonary purpose studies to define your lungs’ capability to interchange oxygen and carbon dioxide.
  • Blood tests to decide blood type, coagulation ability, and biological status of blood and to estimate liver. AIDS testing and hepatitis conduction are also encompassed.

Hepatitis B and Unani Medicine

Hepatitis is a general term that means inflammation of the liver. The liver can become inflamed as a result of infection, a disorder of theimmune system, or exposure to alcohol, certain medications, toxins, or poisons.

  • Hepatitis B is caused by infection with the hepatitis B virus (HBV). This infection has 2 phases: acute and chronic.
    • Acute (new, short-term) hepatitis B occurs shortly after exposure to the virus. A small number of people develop a very severe, life-threatening form of acute hepatitis called fulminant hepatitis.
    • Chronic (ongoing, long-term) hepatitis B is an infection with HBV that lasts longer than 6 months. Once the infection becomes chronic, it may never go away completely.
    • About 90-95% of people who are infected are able to fight off the virus so their infection never becomes chronic. Only about 5-10 percent of adults infected with HBV go on to develop chronic infection.
  • HBV infection is one of the most important causes of infectious hepatitis. People with chronic HBV infection are called chronic carriers. About two-thirds of these people do not themselves get sick or die of the virus, but they can transmit it to other people. The remaining one third develop chronic hepatitis B, a disease of the liver that can be very serious.
    • The liver is an essential organ that the body needs to stay alive. Its most important functions are filtering many drugs and toxins out of the blood, storing energy for later use, helping with the absorption of certain nutrients from food, and producing substances that fight infections and control bleeding.  The liver has an incredible ability to heal itself, but it can only heal itself if nothing is damaging it.

Causes The hepatitis B virus is known as a blood-borne virus because it is transmitted from one person to another via blood.

  • Semen and saliva, which contain small amounts of blood, also carry the virus.
  • The virus can be transmitted whenever any of these bodily fluids come in contact with the broken skin or a mucous membrane (in the mouth, genital organs, or rectum) of an uninfected person.
  • People who are at increased risk of being infected with the hepatitis B virus include the following:
    • Men or women who have multiple sex partners, especially if they don’t use a condom
    • Men who have sex with men
    • Men or women who have sex with a person infected with HBV
    • People with other STDPeople who inject drugs with shared needles
    • People who receive transfusions of blood or blood products
    • People who undergo dialysis for kidney disease
    • Institutionalized mentally handicapped people and their attendants and family members
    • Health care workers who are stuck with needles or other sharp instruments contaminated with infected blood
    • Infants born to infected mothers
  • In some cases, the source of transmission is never known.
  • The younger you are when you become infected with the hepatitis B virus, the more likely you are to develop chronic hepatitis B. The rates of progression to chronic hepatitis B are as follows:
    • 90% of infants infected at birth
    • 30% of children infected at age 1-5 years
    • 6% of people infected after age 5 years
    • 5-10% of infected adult

Symptoms Half of all people infected with the hepatitis B virus have no symptoms.

  • Symptoms develop within 30-180 days of exposure to the virus. The symptoms are often compared to flu. Most people think they have flu and never think about having HBV infection.
    • Appetite loss
    • Feeling tired , Nausea and vomiting, Itching all over the body, Pain over the liver (on the right side of the abdomen, under the lower rib cage, Jaundice, Urine becomes dark in color (like cola or tea).
    • Stools are pale in color (grayish or clay colored).
  • Many types of acute viral hepatitis  have similar symptoms. Fulminant hepatitis is an unusual illness. It is a severe form of acute hepatitis that can be life threatening if not treated right away. The symptoms develop very suddenly.
    • Mental disturbances such as confusion,  extreme sleepiness or hallucinations.
    • Sudden collapse with fatigue, Jaundice, Swelling of the abdomen
  • Prolonged nausea and vomiting can cause dehydration. If you have been vomiting repeatedly, you may notice these symptoms:
    • Feeling tired or weak
    • Feeling confused or having difficulty concentrating
    • Not urinating
    • Irritability
  • Symptoms of liver failure may include the following:
    • Fluid retention causing swelling of the belly and sometimes the legs
    • Weight gain due to ascites
    • Persistent jaundice
    • Loss of appetite and weight.
    • Vomiting with blood in the vomit
    • Bleeding from the nose, mouth, or rectum or blood in the stool
    • Hepatic encephalopathy (excessive sleepiness, mental confusion, and in advanced stages, development of coma)


Since many people with hepatitis B do not have symptoms, they do not know they have the disease.

  • Hepatitis B is often discovered accidentally when you see your health care provider for another reason.
  • Blood tests done for an annual check-up, insurance purposes, or before surgery may show abnormalities in the liver blood test results.

If your health care provider determines that you may be at risk for contracting hepatitis, you will have blood drawn.

  • The laboratory will examine the blood to determine how well your liver is functioning, if this has not already been done.
  • Your blood will be tested to determine whether you have been exposed to certain hepatitis viruses and, possibly, other viruses.
  • If you have had a large amount of vomiting or have not been able to take in liquids, your blood electrolytes may also be checked to ensure that your blood chemistry is in balance.
  • Other tests may be ordered to rule out other medical conditions.
  • Liver biopsy – This involves removal of a tiny piece of the liver. It is usually done by inserting a long needle into the liver and withdrawing the tissue. The tissue is examined under a microscope to detect changes in the liver. A biopsy may be done to detect the extent of liver damage or to evaluate how well a treatment is working.

Unani Treatment:

  1. Decoction of Bekh Karfas, Bekh Badyan each 7 gm, Bekh Izkhar, Qust each 1 gm, Afsanteen, Asaroon, Gafis each 2 gm, Hulba 2 gm, Maveez munaqa 7 in numb, Akleel-ul malik 5 gm, use this decoction twice a day before meal with Roghan Baadam 4 ml.
  2. Decoction of Maveez munaqa 6 in numb, Injeer khusk 2 in numb, Unnab 20 in numb, Bekh karfas 10 gm, Baadyan, Anisoon each 7 gm, Hulba 6 gm. Use this decoction with Roghan Baid Injeer 6 ml, Roghan Baadam 5 ml twice daily.
  3. Apply this paste locally: Banafsa 6 gm, Aklil-ul malik 6 gm, Gul Baboona 6 gm, Tukhm Kitan 3 gm, Tukhm Hulba 3 gm, Mastagi Romi 2 gm, boil in water and make paste in Roghan Mom and apply locally at hypochondrial region.
  4. Habbe Kabid Noshadari 2 hab after every meal.
  5. Sharbat Bazoori mutadil 20 ml twice.
  6. Habbe Musaffi khoon
  7. Asanasia sageer
  8. Qurs Gafis
  9. Arq Kasini 60 ml mix in Arq Mako 60 ml also beneficial.

Diet menu for Heart Patients

A diet which is healthy for heart is recommended for everyone. But it is all more important for the people who are suffering from any kind of heart related problems including heart valve diseases. Having a healthy heart diet is the important part of the health care. Having a healthy diet is necessary for the people who have had the valve surgery or valve replacement or about to have it. The immediate heart problem can be solved by a heart valve surgery but future risk of having a heart problem can not be avoided. To reduce the risk of any other future heart problem can be minimized by having a Diet plan for Heart Patients. To incorporate dietary changes is very important for the heart patients to avoid any such problems.

Diet plan for Heart patients should include following recommendations. While it is recommended to loose body weight, if you are above the optimum range, but to do this, stay away from fad diets or methods to loose weight quickly. For a healthy diet, quality of fat matters more than the quantity. Go for reduced quantity of fat and also switch to Omega 3 fats in your diet. You can have it by including flaxseeds and fish in your food. Stay away from foods like red meat, sweet preparations like cakes, cheese, butter, pastries, margarine, oily, fried food and carbonated drinks.

You should include such things in your diet which help make the heart healthier. These include food such as potatoes, broccoli, spinach, tofu, and wheat germ. These foods are high in magnesium which is needed for the health of heart. A good diet plan for heart patients should include about 8-9 servings of the fresh fruits and vegetables in one day and at least one serving of green leafy vegetable daily. You should include low fat foods such as poultry, fish, lean meats, fresh fruits and vegetables, cereals and whole grain products in the diet.

After the heart surgery, a patient need to have light liquid diet for about one to three days before resuming regular diet, only on the recommendation of the doctor. For preparing the food for heart patients, cooking methods such as baking, grilling and microwaving are recommended rather than frying.

Heart patients can include certain health supplements in their diet but only after consultation with their physician. They should never take any over-the-counter medicine without the prescription. Any medicine, even if it is a health supplement, can affect the any medication prescribed for heart. Besides these dietary recommendations, Visit to a dietician or nutritionist is a must for any heart patient.

Protein supplements are good for your health

We all know how important it is to keep our health fit and fine. We can never take any chance or risk with our health. But, today’s food habit does not allow us to get 100% protein, mineral and vitamin. This lead to deficiency in our body and this cause health issues in the near future. So, what’s next? How will you cover up the deficiency? It is very simple. There are various supplements available in the market which are medically acclaimed and will give you better health. It will actually give you better help and you can find a solution to live a healthy life.

Protein is very important for our cells and overall development of our health. If you and your family are not getting the required amount of protein, then you can take protein supplementfor your good health. It is very important to have this supplement to get assurance of your good health. The supplement is manufactured only after proper test and quality enhancement. One should have this supplement under the guidance of the doctor or else it can cause hamper. So, do not waste your time and consult with your health care professional.

Collagen proteinis a reliable product that is available in the market. Before, you have this product; you must always cross check the description and the benefits. It will help you know about the product and you can understand its utilization. So, read the details of the product and you will come to know about its benefits. It is really authentic way to know about a health related product and fulfill the requirement. Your health needs extra care and protection and you can achieve this from a quality product.

The product protein shotis popular among the gym goers. It is easy to carry and easy to have. It is just the right kind of supplement that should be there in the bag. Consult with your medical professional and know what exactly you want. Accordingly, you can buy the product for your health purpose and overcome the deficiency in your body. It is truly an effective solution for you and you can get the desired result.

Today, these products are available online. The online availability saves time and money and they are available in fresh stock. So, you can get the product at the best price and you should choose the product only after thorough research. It will help you in the long run and you will get a major help. It is an effective way to stay healthy and keep your body in a good condition. Make sure you compare the price of the products and then only you can get the quality product. It will actually help you to have a good health and it will ensure a great health. Never forget to consult with your health care professional before you buy the protein supplement. Actually, the consult will help you know what is right and what is good for your health.

Why home care better choice for elderly care

download (9)There are some responsibilities that are borne more out of love than mere fulfillment of duty. Take, the responsibility towards parents, for instance. However, if your parents stay in another city or you live in a small family unit or if you have financial constraints then the situation upends. Exhaustion, juggling work and home, catering to family responsibilities and personal commitments might pull you in different directions. So how do you take care of the elderly? Fortunately, ‘being there’ for your bedridden or ageing parents need not be a challenging task. You can balance your home, career and the needs of the elderly with home care.

Consider the statistics – according to the United Nations Population Division, India’s population of 60 years and beyond is estimated to increase from 8% in 2010 to 19% in 2050. Hence, as more people find themselves entrusted with the task of elderly care, informed decision on proper arrangements for the same should also follow. Thus necessitating the need for home healthcare. In case you still have any doubts on seeking home care agency, here are some key benefits of home care services that would make you rethink. So, ask yourself the following questions:

  1. Are my parents getting personalized attention? – The answer to this poser lies in healthcare infrastructural framework. Did you know that there are only around seven physicians and 17 nurses per 10,000 persons whilst globally, the respective average comes to about 14 and 29? So when we talk of providing personal attention and care, home careis more suited. In effect, trusted companies like CallHealth not only provide trained and dedicated professionals with background check but also arrange visits by doctors, if required.
  2. How will my parents recover faster? – The elderly persons, in their silver phase of life, need the reassurance of the familiar surroundings of their homes, their routine and the loving presence of near and dear ones. In such an environ, they tend to heal faster. Thus, illustrating the old adage of ‘there’s no place like home’, recovery of the elderly is expedited at home.
  3. Is there a potential risk of infections? – Infections induced by hospitals, possibly due to lack of care or hygiene, contribute to around 35% of hospital stay-ins. In such a scenario, home care services are a preferred alternative to hospices.
  4. Which type of care is more affordable? – Frequent visits to the hospital, cost of every session of treatment and longer duration of treatments escalate the investment of time and effort along with money. Today, medical technology is so advanced that home treatments are a reality thus allowing you to actually save on room rent and other costs up to 20-25%.  So, home care is a more cost-effective option.

So, provide the best care for your loved ones without compromising on yourself, your career, financial security or family needs with home healthcare.

Process Choosing Family Physician

The health of your family is one of those things that you should not take for granted. You should make sure that you and your family has access to the best family physicians at all times. If you are in the process of finding a family doctor, you must take your time to research seeing as this is a person who will be responsible for your family’s health. The last thing you need is a family physician that will misdiagnose a health condition of your family. There are things you must keep in mind when selecting medical doctor to take care of your family’s health.

The first thing that you must do when looking for family physicians is to avoid the last minute rush. Never wait until you are sick or your family member is in need of doctor to look for one. This is not a smart move as you are bound to settle for any family doctor you come across in order to save the life of a beloved one. The best time to look for physicians is when there is no emergency, in other words when you do not need their services. This gives you ample time to look into each family doctor before selecting the one you can rely on.

Among the top things you should look into when looking for family physicians is their credentials and level of training. Family physicians are usually given some special training to equip them with certain skills that will help them deal with all kinds of health conditions that people (clients) face. Usually there are two forms of training that family doctors go through. The training program enables you to become an osteopathic doctor and the other a medical doctor. They specialize in different areas but the main aim is to provide residency medical services.

However, some family physicians choose to pursue further education, which enables them to specialize in other areas like palliative care and sports medicine. This means you should know the kind of family doctor you need before you start your search.

Apart from the medical capabilities and accreditation of the physician, there are a few things that you should take into account when selecting a family doctor. You need a doctor who you will fully trust with your family’s health. Preferably, he or she should not be a practitioner who will be a hindrance between you and your insurance provider. The family doctor should be a person who is available especially when you need them most. That means he or she has to be located close to your home and answers whenever you call them.

Once you have done your research, chances are you will come up with a list of potential family physicians you can hire one from. The next thing is to set up face-to-face meeting with these family physicians. During the meeting, you need to look for things like how the practitioner responds to your questions, do they interrupt you when you ask questions. You should establish whether the family doctor handles you with respect and whether you are comfortable enough while in his or her presence. A good physician should take time to be with you and if they appear to do the opposite, i.e. always in hurry, chances are he or she may not make a good family physician for you.

4 Advantages of Boston Senior Home Care

With increasing age and failing health, seniors may start becoming dependent. Yet they may not want to move to an assisted living facility. Family caregivers may not always be able to take up the responsibility of the elderly for various reasons. Boston senior home care can be the best solution for all involved. Greater Boston home health care from Immaculate Homecare Services can help you care for your disabled or elderly loved one in the comfort of their home. Here are the top 4 advantages of hiring Boston senior home care professionals to look after your aging loved ones.


Caregivers from home care services in Norfolk can assist seniors with daily activities such as bathing, bathroom functions, feeding, grooming, taking medication, housework and companionship needs. You can choose from Home Health Aides, Personal Care Assistants, Companions or Homemaker Services depending on the degree of assistance they need.


Companions and assistants from Boston senior home care, Immaculate Homecare Services, become like extended family members and companions for many seniors. They assist them when they start losing independence which could be very difficult for them to accept and live with. Greater Boston home health care givers can also provide emotional support and companionship to many seniors.


Even for family caregivers, it is hard to accept that their loved one can no longer manage on their own. At the same time, doing it on one’s own can be physically and emotionally draining. You may have to make personal sacrifices to care for a loved one. Many family caregivers go through depression and stress. Hiring a Boston senior home care giver can give the family caregiver respite from day to day demands of being a caregiver.


Home care services in Norfolk from Immaculate Homecare Services regularly assess each client on a regular basis. The plan of care is updated to meet the client’s ever-changing needs. That gives you the benefit of professional support; someone who can objectively assess what is required, that you may not be in a position to do. Your loved ones may also be more comfortable with a professional caregiver in asking for support and help.

Greater Boston home health care from Immaculate Homecare Services provides non-medical care to clients in their homes, assisting them to achieve the highest level of potential in their day to day self-care activities. Attentive workers who recognize the importance of comprehensive care of the client are employed by Immaculate Homecare Services to ensure your loved ones’ care, comfort and safety.

Tips Chiropractic Care

Life always has its stresses, but back pain can make things so much worse on you.  Almost everything you do throughout the day requires support from the back. When the back stops functioning the right way, life can start to get confusing. The following article has chiropractic care tips to assist you in making your back feel better.


These days, an increasing number of medical doctors work with alternative providers. If you will be undergoing chiropractic care, check with your insurance to ensure you have coverage for these services.  These provisions help you to get the most out of your chiropractic care.


Focus on the way you are sleeping. Put a pillow beneath your head and shoulders. Towels that are rolled can help support the curves of the body. You should also be sleeping on a mattress that is comfortable.


Your immunity may improve as a result of chiropractic care. Spine issues can cause problems with the nervous system, which is linked to the immune system. Having your spine realigned by a chiropractor will increase the blood that flows into the nervous system. When the blood flow is better, you can fight off infections easier.


Don’t think a miracle will happen with just one visit to a chiropractor.  You might feel better initially, but regular visits are required for lasting relief. If a certain program is recommended by the chiropractor, ensure you follow it carefully. If you don’t follow the regimen, you may not like the results of your treatment.


Lots of terrific reasons exist for visiting a chiropractor. If you are experiencing ongoing pain in your back or neck, it is very important that you pay a visit to a chiropractor to get checked out.  Additionally, seeing a chiropractor regularly can help you prevent problems with misalignment. Keeping your skeletal structure properly aligned helps keep  your entire body running smoothly.


Ask your regular doctor for suggestions when seeking a chiropractor. Even if you don’t have to get a referral to get chiropractic care, they might know people that are good at what they do.


Choose a chiropractor with caution. Many chiropractors want to help you, but some shouldn’t be trusted.  Actually, chiropractors sometimes make things worse. Make sure that you do a comprehensive research on a chiropractor before you schedule an appointment for treatment.


Quality chiropractic care is essential. A bad back can incapacitate even the strongest individuals. Make sure this is never you. The tips in this piece was meant to keep you from experiencing severe back issues and to help you address existing ones.


Choose citizen health insurance

No matter how old you become, whether you are a parent yourself, you still have your mother exclaiming – you are getting thin; you should take care of your health, not skip meals! Phew, you are always at the receiving end of their concerns and worries.

Parents! They spend their entire life looking after us, providing everything to the best of their abilities. Now, you would like to take some of the responsibilities and maybe take a single baby step in return.

Start by getting them a Health Insurance Policy.

Why? As we age there are greater chances of suffering from illnesses. The body is feeble and is infected with diseases faster.

The income after retirement proves insufficient to even cover some of the common diseases today.

Even with you working and earning there will difficulties getting cash together when an emergency arises.

Even if they are covered in your company insurance, buying a separate policy is a good idea as they get a continued coverage irrespective of the policy changes in your company or change in your job.

The Health Insurance that you buy for them won’t be hard on your pockets you would get a tax break under section 80D for up to Rs. 20,000.

With the health Insurance in place, they would feel more secure and assured that you wouldn’t be over burdened with expenses.

Now, How:

Contact your Insurance agent or your broker; ask them for a senior citizen policy. Compare different policies and select the one that is best for them in terms for age band and Pre-Existing coverage.

Most Insurance companies require a medical test for Senior citizens. The diseases that are detected in this stage will be excluded in the policy.

What to look out for:

Exclusions: Check for Important Exclusions if any in the policy wordings – Call for Policy Wordings of your shortlisted product.

Appropriate Cover amount: Make sure that you consider the rising medical expenses when you select the cover. A cover of at least 1.5 lakh is a must.

Service: Look whether the Insurance Company has a good record of claims settlement since they will need immediate attention.

Capping: There are some companies which have a 2% capping, i.e. limit on expenses, on the room rent. Room Rent above this would have to be paid by you.

Renewable Age: Check Maximum Renewal Ceasing Age, most Companies stop renewals from 70 to 75.

Waiting period for Pre-existing: Insurance Companies will cover the Pre-existing diseases but after few years. You should try to select one which has a least waiting period.