Health care
Avoid financial stress related to healthcare expenses by implementing smart financial planning strategies.
To safeguard against unforeseen healthcare expenses, careful planning is essential. For instance, unexpected medical emergencies, illnesses, or sudden surgical procedures can lead to unplanned financial burdens, adversely affecting your overall budget for the future. Therefore, it is crucial to plan for expenses related to such situations.
Unforeseen expenses related to healthcare can impose a significant financial burden, especially when things are not planned carefully. For instance, situations like medical emergencies, unexpected illnesses, or the sudden need for surgery can catch anyone off guard. Unfortunately, most people do not include these considerations in their budget planning. When the need for emergency medical assistance arises, it can disrupt an individual’s entire budget, leading to financial strain. This underscores the importance of smart financial planning tailored to manage healthcare-related expenses even in emergency situations and reduce the economic burden.
Here are some effective ways to manage healthcare expenses and ensure financial stability:
- Understand Your Health Insurance Coverage: It is crucial to thoroughly understand the terms, conditions, and limitations of your health insurance coverage. Familiarize yourself with details such as deductibles, copayments, and coinsurance. This information will help you make informed decisions, avoid unexpected expenses, and maximize the benefits offered by your health insurance plan.
- Create an Emergency Fund: Establishing an emergency fund is a fundamental aspect of financial planning. This is particularly important in the case of healthcare-related expenses. Medical emergencies can impose a sudden financial burden, so having a fund that can cover unexpected costs without compromising your budget is essential. Aim to save an amount that can sustain your expenses for three to six months without external financial assistance.
- Choose Healthcare Services Wisely: Service charges can vary significantly among different healthcare providers. Before seeking medical treatment, especially if it is not an emergency, gather information about various healthcare facilities and compare their service charges. Many healthcare facilities and clinics do not have hidden charges, and their service fees are as officially stated. This can help you choose an option that fits within your budget without compromising on quality.
- Budget According to Your Pension Plan: Creating a budget aligned with your pension plan, such as the HDFC Life Smart Pension Plus, ensures that you not only manage unexpected healthcare expenses but also remain financially robust after retirement. Plans like these guarantee a steady income for a lifetime, offering financial stability even during the later years of life when health issues and associated costs may become more prevalent.
- Opt for an Annuity Plan Based on Your Needs: Annuity plans, like HDFC Life Smart Pension Plus, provide the flexibility to choose annuity rates and options that suit your needs. These plans ensure that you receive a consistent amount regularly, addressing potential financial challenges associated with aging and healthcare costs.
Integrating traditional financial planning methods with innovative financial tools like HDFC Life Smart Pension Plus is essential. This approach not only helps manage healthcare-related expenses effectively but also prepares you for a better future.
Health care
Reasons Why Drumstick or Moringa Leaves Are Essential Superfoods This Season
Amidst our busy schedules, we often overlook the significance of maintaining our health, which can result in long-term health issues. One effective approach is to uphold a balanced diet. Drumstick leaves, also known as moringa, can be especially advantageous in this aspect. Here’s advice from a nutrition expert.
Drumstick leaves, also referred to as moringa leaves, are considered a superfood due to their content of 18 types of amino acids. “Moringa leaves are incredibly beneficial for hair and skin improvement because of their antioxidant properties,” stated dietitian Simrat Bhui.
These leaves are rich in calcium, making them a viable alternative to many calcium supplements. “Their high calcium content also proves beneficial for individuals with rheumatoid arthritis,” Bhui noted.
Additionally, Dr. Sangeeta Tiwari, a clinical nutritionist at Artemis lite, NFC, highlighted that drumstick leaves boast a high concentration of antioxidants like flavonoids, polyphenols, and beta-carotene. These antioxidants aid in neutralizing free radicals, reducing oxidative stress and inflammation. “This can potentially protect against chronic diseases such as heart disease, cancer, and diabetes,” Dr. Tiwari explained.
According to Bhui, when mixed with water, moringa leaves become a potent detoxifying agent. “They cleanse the liver and are also used to treat upset stomachs,” Bhui added.
Furthermore, Bhui emphasized that moringa leaves aid in preventing cardiovascular ailments by managing high blood pressure. “Their anti-inflammatory properties contribute to maintaining good heart health, provided one adheres to a healthy diet and lifestyle,” Bhui remarked.
Bhui also mentioned that since moringa is rich in potassium and magnesium, it supports hydration and helps replenish lost fluids during hot summer months. However, moderation is key. “Moringa leaves, being grown in the tropical regions of India, are packed with hydrating properties. They can be consumed during summer as they are rich in vitamins C, A, and E, which boost immunity and energy levels,” Bhui recommended.
The high fiber content in drumstick leaves promotes a feeling of fullness, reducing overall calorie intake. “Moreover, the antioxidants in these leaves may boost metabolism and promote fat burning,” Dr. Tiwari added.
Bhui suggested various ways to incorporate moringa leaves into meals, such as chopping and mixing them with flour for making rotis or parathas, or blending them into powder form to be consumed with water. “Moringa leaves hold incredible culinary value in any form,” Bhui concluded.
For those interested, here’s a quick recipe for drumstick leaves or moringa paratha, a nutritious dish that can be prepared in under 10 minutes, shared by Shalini Santhosh Kumar of Early Foods.
Ingredients:
1 tsp Ghee Handful of Groundnuts 1/4 tsp Mustard seeds 1/2 tsp Cumin seeds Turmeric Long pepper Dry Ginger Salt to taste 1 bunch Drumstick leaves Handful of Fresh chopped coconut 1 small inch Tamarind
Method:
Heat oil in a pan, temper the spices until they splutter. Add spices and salt. Roast all remaining ingredients until they dry out. Cool and grind coarsely without adding water. Stuff the mixture into rotis and roll them evenly. Cook the paratha on medium flame with some ghee. Enjoy it with pickle, curd, or any sabzi.
Health care
Turmeric Associated with Boosting ‘Beneficial’ Gut Bacteria in Mice in Latest Research
A recent study has established a connection between a solution containing curcumin, the primary component of turmeric, and the enhancement of beneficial bacteria in the intestines of mice.
Conducted by researchers from the University of Western São Paulo (UNOESTE) and São Paulo State University, the study revealed that Lactobacillus bacteria, commonly found in probiotic foods like yogurt, were approximately 25 percent more prevalent in mice treated with the curcumin solution compared to a control group.
The solution utilized was an emulsion containing nanometric particles of curcumin, forming a nanoemulsion, known for its anti-inflammatory and antioxidant properties. This nanoemulsion was developed by the researchers to increase the effectiveness of curcumin in addressing inflammation and gut-related issues.
Despite curcumin’s recognition in treating inflammatory intestinal disorders, its bioavailability—meaning the amount that reaches the active site—is often limited when taken orally, especially in patients with conditions like Crohn’s disease or ulcerative colitis.
Professor Lizziane Kretli Winkelströter Eller from UNOESTE, the senior author of the study published in the International Journal of Pharmaceutics, explained that the research involved two phases. Initially, they focused on producing a nanoemulsion for curcumin delivery, followed by evaluating its stability, morphology, and physicochemical attributes.
To induce intestinal inflammation, the researchers used indomethacin on mice and administered the curcumin nanoemulsion orally for two weeks. At the end of this period, they observed changes in gut microbiota, with an increase in beneficial bacteria and improved curcumin bioavailability, although the nanoemulsion did not significantly alleviate intestinal inflammation.
Eller noted, “While the nanoemulsion didn’t show significant improvement in intestinal inflammation, the presence of Lactobacillus bacteria was notably higher, about 25 percent, in mice treated with curcumin nanoemulsion compared to the control group.”
Health care
Tips and Tricks for Staying Hydrated with Electrolyte-Rich Drinks During Summer Heat
As the summer season approaches, the issue of dehydration becomes a significant concern due to the rising temperatures and intense sun exposure. Shona Prabhu, a renowned sports and performance nutritionist with Fast&Up, explains to indianexpress.com that the combination of heat and humidity during this time can lead to excessive sweating and fluid loss, ultimately resulting in dehydration.
In such circumstances, the importance of consuming electrolyte-rich drinks to replenish fluids becomes crucial for maintaining overall health and energy levels. Here are five recommended drinks by Prabhu to stay hydrated throughout the day:
- Coconut Water
Coconut water is highly beneficial during the summer as it is packed with essential electrolytes like potassium, magnesium, and sodium, which are vital for maintaining proper hydration levels. Unlike sugary beverages, coconut water provides natural sugars that offer a quick energy boost without causing dehydration.
- Nimbu Pani (Lemon Water)
A refreshing and popular drink, nimbu pani is made by mixing fresh lemon juice with water and adding a pinch of salt or sugar. It not only quenches thirst but also provides a dose of vitamin C and electrolytes, aiding in hydration and replenishing lost minerals due to sweating.
- Chaas (Buttermilk)
Chaas, also known as buttermilk, is a probiotic drink made by diluting yogurt with water and adding spices like roasted cumin powder and salt. It provides a cooling effect, aids digestion, and replenishes electrolytes lost through sweating, making it an excellent choice for hydration during the summer.
- Jaljeera
Jaljeera is a favorite summer drink prepared by blending mint, coriander, cumin, and other spices with water. With its cooling properties and digestive benefits, jaljeera offers a refreshing option to stay hydrated while also stimulating the appetite.
In addition to these natural beverages, Prabhu shares some tips to maintain hydration levels throughout the day:
- Carry a water bottle with you and sip water regularly; avoid waiting until you feel thirsty.
- Include water-rich fruits and vegetables like watermelon, cucumber, and spinach in your diet.
- Limit consumption of sugary drinks, caffeine, and alcohol, as they can act as diuretics and contribute to dehydration.
- Be mindful of spicy and high-sodium foods in your diet, as they can increase thirst and fluid loss.
- For athletes and fitness enthusiasts, hydrate with water before starting training and consume fluids at regular intervals during workouts, especially during prolonged or intense sessions.
Prabhu advises against consuming ORS electrolyte drinks unless there is a significant fluid loss. Instead, opt for natural electrolyte-rich drinks like coconut water post-workout to restore fluid balance and aid recovery.
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