Thursday, February 14, 2008

Article on Insurance by INDIA

Medical Insurance

A Medical Insurance policy is a contract between an insurance company and an individual or a group which promises to pay for medical care reasonably required by the insured policy holder for treatment in case of any injury or illness. Even now a day’s medical insurance policy is provided for disease like obesity.

If an individual has taken up a medical policy then he pays the premium according to a specific time frame as decided between the two groups. Usually, the policy takes care for the health & medical acre of an individual but if the premiums value is higher the insurance covers the family members also. In the case when the policy is taken by a group or an association, then all the individuals under the association receive the certificate of insurance. Some key points like payment of premiums, deductibles and co-pays are decided at the beginning and both the parties have to abide by these rules.



Searching a Medical Insurance Plan?

The terms in the policy may be hard to understand at times and the person may stand confused. So here is list of some terms commonly used up in an insurance plan:

Deductible-The deductible refers to the yearly amount of money that the insured would need to pay before any benefits from the health insurance policy can be used.

1. Co-insurance / Co-payments- This is the amount that would need to be paid by the insured before the insurance pays and in addition to the deductible.

2. Out-of- pocket- An out of pocket expense can refer to how much the co-payment, coinsurance, or deductible is.

3. Waiting Period- This is the time one would have to wait until certain health insurance overages are available.

4. Grace Period- This is the amount of time one has to pay their health insurance premium after the original due date and before insurance coverage would be canceled.

5. Lifetime Maximum-This is the most amount of money the health insurance policy will pay for the entire life. Pay attention to individual lifetime maximums and family lifetime maximums as they can be different.

6. Out-of-Pocket - This is the cost one would pay out of their own pocket. An out of pocket expense can refer to how much the co-payment, coinsurance, or deductible is.

Is Medical Insurance Necessary?

Man saves money for a better & safe future. But life is a string of surprises. A serious medical situation can strain one’s pocket, thereby emptying all the lifetime savings. The best option to save oneself from this situation is to secure your future with the help of a medical insurance policy.

WELCOME ON SEX by INDIA

GOOD SEX IS GOOD FOR YOU!

Anthony Fiore, Ph.D.

"Life without love is like a coconut in which the milk is dried up." Henry David Thoreau

"Good sex....Improves our health and may even contribute to our longevity."

Scientific evidence is accumulating support what many of us have suspected all along: good sex not only adds great enjoyment to our lives, but it also actually improves our health and may even contribute to our longevity.

In a new book called Sexual Healing, Dr. Paul Pearsall, Director of Behavioral Medicine at Detroit's Beaumont Hospital, writes that the joys and pleasures of living life and loving may provide us with something called an "intimacy inoculation" that actually protects us from disease.

Dr. Pearsall, who cites numerous other researchers, concludes, "Growing numbers of physicians now recognize that the health of the human heart depends not only on such factors as genetics, diet, and exercise, but also --to a large extent-- on the social and emotional health of the individual."

Sexual healing is achieved primarily through the daily challenge of maintaining a close, intimate relationship which, when accomplished, leads to balance between our health and healing systems.

Can lack of sexual intimacy create a risk factor for certain diseases? Dr. Pearsall cites research and his own clinical experience ndicating that sexual dissatisfaction seems to be prevalent prior to a heart attack in a high percentage of persons. Conversely, sexual contentment appears related to less severe migraine headaches, fewer and less-severe symptoms of premenstrual syndrome for women, and a reduction in symptoms related to chronic arthritis for both genders.

Although the exact biological mechanisms are not yet identified, many researchers are investigating how our thoughts, feelings, brain, immune system and sexual/genital system interact, influence each other, and affect our health. There may be an actual biological drive toward closeness, intimacy, and being connected to other human beings.

When we experience intimate, mutually caring sexual intimacy, we may experience a measurable change in neurochemicals and hormones that pour through the body and help promote health and healing.

"Hormones that pour through the body help promote health and healing."

Does this mean that to live longer or be more healthy we just need to DO IT more often or better? Of course not! Sex is a much broader concept that genital connecting or having an orgasm. Psychologist and author Gina Ogden, Ph.D. notes in her book, "Women Who Love Sex", that sex has everything to do with openness, connection to and bonding with a partner, feelings about what is happening to us, and memories. For those who love it, sex permeates their lives and is not merely a specialized, time-intensive, physical activity that takes place under the covers--as quickly as possible.

As a result of interviewing many women, Dr. Ogden learned that sexual desire, or lust, was produced by much more than physical stimulation. For women, according to Dr.Ogden, it has more to do with feelings of connectedness in their relationships: "Heart to heart, soul to soul, even mind to mind."

"For women, it has to do with feelings of connectedness in their relationships."

When discussing sexual connecting, Dr. Ogden's interviewees spoke of a FLOWING CONTINUUM OF PLEASURE, ORGASM, AND ECSTASY, rather than a one-time experience. They also described peak sexual experiences as coming from stimulation all over their bodies--not just from their genitals--including fingers, toes, hips, lips, neck, and earlobes.

Obviously, arousal and satisfaction evolve not only from receiving sexual energy, but also from the joy of stimulating one's partner. Sex, then, is a commitment of give and take.

Finally, the women Dr. Ogden studied have their own concepts of safe sex, essential to experiencing sexual pleasure and ecstasy. This kind of safe sex does NOT relate to preventing STDs or pregnancy; it relates, instead, to emotional and spiritual safety. Such safety is CRUCIAL for sexual closeness. Most of the women insisted that warm, loving connections with themselves and with their partners were essential to and inseparable from the experience of sexual ecstasy.

When people feel deeply close while merely holding hands, they are having sex. When people display caring for each other through hugs, caresses, and kissing, they are also having sex. When connecting people in a crowded room wink at each other in their own secret way, they are communicating sex to each other; such non-contact sex can be excitedly arousing and emotionally fulfilling. And, of course, during sexual union when the sky seems to open so a lightning bolt can strike the couple--while fireworks ignite and the earth stops spinning-- this is sex, too.

But wait. Do men also need this almost spiritual connection to enjoy sex and achieve good health? Well, yes and no. Men need sex and men need emotional connection, but many men don't necessarily need to put the two together!

According to Dr. Bernie Zilbergelt, who wrote The New Male Sexuality, sex for women is intertwined with personal connection. For some men , sex is unto itself--an act to be engaged in with or without love, with or without commitment, with or without connection.

Presently, younger boys are being socialized in a more enlightened manner; consequently, male attitudes toward sexual union are changing. But,unfortunately, the socialization of many men born in or before the 60's provided very little information of value to the formation and maintenance of intimate relationships. These men were taught, as youths, that males showed love by doing, not by talking or "connecting" with girls.

"Fortunately, anyone can...restore closeness, intimacy, and sexual flow."

Older men were usually also socialized to be strong and self-reliant, which usually means one doesn't easily talk about or admit personal problems. Many such men do not acknowledge worries and fears to their partners; they simply try to handle everything on their own.

A consequence of such reticence is (1) lack of intimacy in the relationship, with the wife feeling "left out" of her husband's life; and (2) men often don't get what they need because they don't know how to ask for it, so they feel distanced and frustrated when they really want closeness and intimacy as much as their partner does.

Sex under these conditions creates distance in the relationship or creates sexual dysfunction which drives an even deeper wedge into the relationship. This is especially true if a man is married to a woman must be wanted by her husband to have her sexuality validated.

Consequently, sex routinely becomes mechanical, unfeeling, and unfulfilling. Fortunately, anyone can break this vicious cycle and restore closeness, intimacy, and sexual flow in the relationship.

5/29/98

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