• 15Aug

    A commonplace advertisement from insurance companies is ‘no medical tests required to purchase an insurance policy’. People are attracted to the convenience of no-test policy compared to the one that requires all medical tests. But is it really right to purchase a policy without knowing your health condition?

    Every individual going to buy an insurance policy whether health or life insurance needs to undergo medical tests as prescribed and should be aware of his health condition. This article discusses the importance and reasons for getting an insurance policy after taking medical tests appropriately.

    Premiums are based on health condition
    The premiums of an insurance policy (health or life) are charged based on the individual’s health condition. You need to make a declaration about your health condition in policy application form and the insurer fixes a premium rate on the basis of your discloser.

    For understanding this clearly, lets take an example of two persons. Of them, one has high sugar levels and the other person has normal sugar levels. If both take insurance policy from a company that does not require medical tests then both will be charged same premium. But in reality, the premiums for normal persons should be less than the premiums of others with health issues.

    The policies that require no-medical tests are:

    Low value policies: Policies that do not consider health tests offer cover not more than Rs 5 lakh. So, if you are looking for a higher cover, that serves your life/health insurance needs, then you should take pure protection policy that requires you to undergo medical tests.

    Prone to rejection easily: In most cases, the person who is taking insurance without a medical test may not be aware of his/her health condition. S/He may suffer from an illness and may not know about it till a medical test is conducted. In such a case, an insurer can reject the claim as these policies contain suppressed facts of your health condition with no proper underwriting. So, these kind of unintentional mistakes may simply deprive insurance cover even for those paying huge premiums.

    Cover may be inadequate: If you get policies that require no medical tests, then you will also get the policy that has no appropriate insurance cover. It is like getting insured, but having no adequate insurance protection.

    It is the actual responsibility of insurance company to determine the health condition of an insurance buyer. An insurance company simply cannot deny the claim as it is its responsibility to subject the policyholder to medical tests and then fix the premium.

    Thus, a detailed medical examination that requires blood and urinalysis related tests, blood sugar, ECG, blood count, blood pressure, blood serum tests etc. will benefit you manifold. It provides your health condition report which tells you how fit you are. If you are suffering from any illness, get it cured before it ruins your health. Get complete medical record of your health before buying insurance policy.

    Permalink Filed under: Healthy & Therapy Comments Off on Importance Of Medical Tests Before Buying Medical Insurance
  • 14Aug

    This article about inexpensive dating ideas that will allow you to spend time with your date.

    You shouldnt deprive yourself of doing something fun, like dating, just because youre financially challenged.

    Romance is not all about finance. You do not have to spend a lot of money to impress a lady. Coming up with some creative, inexpensive dating ideas can spare your wallet. Keeping it simple can be just as enjoyable as taking her out on an elaborate date and the smile on her face afterwards will be priceless.

    Online chat, for example, can actually be an easy, relaxed and inexpensive date. Couples can get a chance to communicate as well as learn about each other’s taste an art. Talking can offer a chance to chat and get to know one other.

    Even if you are the shyest man in the world, you can still enjoy a healthy dating.

    But in the meantime, you can use a mail to have success at dating no matter how shy you are.

    Before you go ahead and try online dating, you first need to know the most important things about choosing and joining online dating sites. Next, you also need to know how to use dating sites effectively to find the right date. If you dont particularly know who youre looking for, if youre in the wrong website, and if you dont know how to present yourself right, then it would be impossible for you to find the perfect date.

    To help you get started, here some important guidelines of the first things you need to know before join dating sites.

    First is that there are different types of dating sites. Adult sites also vary depending on the type the people they want to target to use their web sites.

    Second, dating websites also differ depending on the types of relationship they particularly endorse.

    Before join a dating website, it is very important that you first decide the type of person you want to meet or what kind relationship you are after.

    Being in the right place simply increases your chances of finding the kind of girl you want to date.

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    Permalink Filed under: Beauty & Cosmetic Comments Off on Dating With Beautiful And Smart Women From Russia
  • 14Aug

    Men have entirely different type of skin from that of women. This has made possible to bring out Best Skin Care Products for men.

    Best Skin Care Products for men are totally different from that of women. People have now discovered skin care products that particularly meet the requirements of a male skin. There is a lot of difference in male and female skin. Female beauty products will have no result on the male skin. Male beauty products are harsh and have adverse effects on the female skin.

    Even though, women are more concerned about their looks than men, it is vital for men to realize that their requirements for skin are totally different.

    Women are blessed with many Best Skin Care Products unlike men. But now men do have skin care products to take care of their skin and keep up healthy looking skin. There are many products for men available in the market and hence there are some things they must keep in mind. The facial fluid for men must provide them with certain things and those aspects are-

    The fluid must reduce redness, inflammation and irritation. It should soothe the male skin.
    It should help in reducing age spots wrinkles and other various signs of aging.
    The fluid must help in repairing the damage caused by neglecting skin care.
    It should lessen roughness caused by pollution, exposure to ultra violet rays and smoking.

    It might not be possible for every man to know what ingredients to look out for in their skin care products. There many ingredients that suit a male skin well but amongst all one ingredient wools wonders on their skin. That ingredient is witch hazel.

    Witch hazel is an ingredient is one of the Best Skin Care Products ingredients. This is a unique herbal element which is popular to give natural soothing effect to a male skin. It has special ability to reduce redness and irritations. These two aspects make skin of a man worse.

    This ingredient also has unique powers to heal critical skin problems like cracked skin, psoriasis and more. It is also know to have wonderful effect on sunburn and can also heal serious cuts by shaving.

    Best Skin Care Products for men are designed in such a way to give men the right skin care they require. Make certain that the products you use include clinically proven ingredients.

    Permalink Filed under: Beauty & Cosmetic Comments Off on Best Skin Care Products Especially For Men
  • 14Aug

    Get low cost laser skin tightening surgery in India is a cosmetic procedure that will help the person to look younger. Laser skin tightening in India is a perfect option for those who want to get rid of their wrinkles. Laser skin tightening surgery in India is done in cities like Mumbai and Chennai which has some of the finest cosmetic surgery hospitals having latest state of the art necessary infrastructure. The surgery is done by country’s top cosmetic surgeons. Excellent medical services are offered especially to foreign patients at very affordable cost.

    In the procedure of laser skin tightening surgery photo facial treatments correct the superficial- and medium-depth skin problems, near infrared technology is used to treat deeper dermal laxity and skin aging. The ST Infrared technology is specifically targeted at the deeper skin and collagen layers to invoke new collagen formation and skin tightening without any downtime. This innovative technology treats lax and redundant skin throughout the body, including the abdomen, thighs and arms and is also used to tone, lift and tighten skin on the face and neck. The best candidates are people in their 40’s and 50’s who are beginning to notice a reduction in their skin’s elasticity. It can be combined with mesotherapy or laser/light treatments for an optimal, customized aesthetic benefit.

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    Permalink Filed under: Beauty & Cosmetic Comments Off on Low Cost Laser Skin Tightening Surgery India A Leading Destination For Cosmetic Procedures
  • 12Aug

    Work by graffiti artist Banksy has become so popular that celebrities regularly buy originals and prints.

    In 2006 American pop singer and songwriter Christina Aguilera paid 25,000 for an original of Queen Victoria as a lesbian and two Banksy prints after arranging a private viewing at a Soho gallery where the Bristol-born urban artist was exhibiting.

    Gallery owner Steve Lazarides told the Independent that the pop star already had an in-depth knowledge of Banksy prints and originals and knew exactly what sort of artwork she wanted to buy.

    A friend of Aguilera said the musician would prize the Queen Victoria picture featuring the monarch in a lesbian pose with a prostitute and hang it in her living room.

    “She’s been a huge fan of Banksy for months and was desperate to get her hands on some of his artwork,” they told the paper.

    Banksy reportedly created the controversial piece in response to the fact that Queen Victoria famously refused to pass a law outlawing lesbianism as she refused to believe such things existed.

    Hollywood mega-couple Brad Pitt and Angelina Jolie are amassing a growing collection of Banksy work having spent in excess of 1 million at a contemporary art auction in London in 2007.

    Brangelina also controversially bought a Banksy painting of Michael Jackson which showed the King of Pop standing in the doorway of a cottage attempting to coax a young boy and girl into his house with sweets.

    Brad Pitt told the Times at an exhibition in America that he becoming a fan of Banksy after discovering examples of his work through the media.

    He said: “I think that this guy is really on to something. I first heard about him a year or so ago I saw something about him in a magazine.”

    Keanu Reeves, Meg White and Jude Law are just some of the famous faces who have also been spotted viewing Banksy prints and originals at exhibitions in Hollywood, Los Angeles.

    Mr Lazarides said that Banksy prints and originals are popular with celebrities because they prefer contemporary art to classical masterpieces.

    He told the Times: “They’ve got money and they don’t particularly want to spend it on a Picasso – they want to buy something that relates to their lives, their time and their culture.”

    Banksy has famously painted subversive graffiti in places such as London Zoo, the British Museum and the wall dividing the West Bank in Israel.

    Permalink Filed under: Artist & Celebrities Comments Off on Banksy Prints Prove Popular With Celebrities