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Importance Of Medical Tests Before Buying Medical Insurance

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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.


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Family Therapy Programs

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At SUWS of the Carolinas, we understand that childrens limiting emotional beliefs and destructive behavior is the outcome of poor family cohesion. For this we provide parenting resources at our center to help them tackle the situation. Family therapy programs are run to let them connect with the experience their children are getting in the SUWS summer wilderness camps. These family therapy programs provide safe environment for parents to get individual care treatment and learn parenting skills. Different parenting resources like genograms, experiential activities, and communication techniques are used in these workshops. The summer wilderness camps give individual care treatment apart from various common activities and counseling sessions.

In the summer wilderness camps, each child is given individual care treatment and they are treated according to their family dynamics. These summer wilderness camps involve various situations in which children are left to response spontaneously and develop challenge facing skills. Furthermore, individual care treatment is given to them by certified therapists. Improvement of behavioral disorders also depends on family connection with the children. To make it realize, we also run family therapy programs and use different parenting resources. These parenting resources help the parents to understand and relate to their child. Family therapy programs have proved to be very successful.

Children and adolescents who feel socially isolated and experience behavioral disorders can join our summer wilderness camps with lots of activities and individual care treatment. Their particular disorder will be addressed in the individual care treatment by the therapist as well their behavioral improvements will definitely be appreciated in the summer wilderness camps. We try to shape the future of your kids with your involvement through the family therapy programs that uses a lot of parenting resources to help to plan your particular action plan specific to your family situation. Parents use parenting resources to learn different skills in these family therapy programs.

The family therapy programs culminate with graduation. After this a one-day seminar is organized using parenting resources to prepare the parents unite with their children and appreciate the transition in them during summer wilderness camps. The use of parenting resources during family therapy programs rediscovers the parenting skills in parents who find it difficult to address their specific family situations. In summer wilderness camps the children get to mingle socially and learn to communicate and behave in a group. Individual care treatment is given to them by therapist and regular follow ups and done to enhance the positive outcome of individual care treatment.


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Panchakarma Therapy

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Ayurveda treatments have four basic forms of therapies, which are medicine or drug therapy, Panchakarma, ayurveda diets or nutritional therapies and rejuvenation therapies. In these basic forms, Panchakarma is the most important and effective therapy to rebuild the healthy lifestyle. Generally, Panchakarma therapies are done in a natural environment under the guidance of good and experienced ayurveda practitioners.

Panchakarma is an ancient form of therapy originated in India. The word panchakarma stands for five actions or techniques. It is a purifying or eliminating therapy to enhance the metabolism of the body and mind by these five actions. Generally panchakarma is done in two ways:

Treating the doshas (toxic materials) in the by natural herbs and medicines.
Eliminating the complete doshas from the body.

Unhealthy lifestyle, stress, strain and changes in climate are the main reasons for various toxins in the body. These toxins have to be removed from body in order to keep the well-being of the body. Ayurveda therapies, especially panchakarma can completely remove these toxins from the body and can keep it healthy and powerful.

The five types of treatments in Panchakarma therapy include:

Vamana Karma (use of emetics) – Vamana Karma is used for ‘Kapha’ disorders like Asthma, Cold, Bronchitis and sinus. It is a medicated therapy which removes Kapha toxins accumulated in the body and the respiratory tract.

Virechana (use of laxatives) – Virechana Karma is used to treat pitta disorders like Hyperacidity, skin disorders, Digestive disorders, ulcer, and Constipation
Basti Karma (medicated enema) – Promotes emission in the colon and thus ensures a good health. It is highly beneficial in cleansing and detoxifying the body.

Nasya Karma (Nasal administration) – Inhalation of herbal steams through the nose, which clears the nasal passages and lungs. It cures the diseases related to head, eyes, nose, etc.
Rakta Mokshana (blood-letting) – In this treatment impure blood from the body is removed by using surgical instruments. This will help to remove the toxins from the blood.

The duration of Panchakarma therapy is typically three to seven days. The physical and mental conditions of a person are considered before prescribing this therapy. Panchakarma is a vital Ayurvedic treatment thus it requires proper guidance and administration and it should not be advised to do with information from a book or article. Sometimes not everyone requires all five forms of panchakarma. So it is recommended that this therapy should undertake with proper observation and supervision by a trained ayurvedic practitioner.


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Solomon Neuhardt on Discipline in Medical Malpractrice

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Medical malpractice is an act of professional negligence committed by a doctor or other health care provider. In most cases, it involves a course of treatment that falls below an accepted standard of care for a particular illness or ailment. The worst cases involve severe or life threatening injury, or even death.

Regulations and standards for medical malpractice cases can vary according to country and jurisdiction. For this reason, Solomon Neuhardt recommends a disciplined attorney to handle the very complex legal issues connected with legal claims arising from medical error.

Errors that cause medical malpractice can begin from very simple omissions or infractions, which result in a variety of unfortunate situations for patients. For example, permanent injuries or further damage to an already unpleasant and painful medical complaint. Most all of these errors could have been prevented, with properly administered and mindful care.

Because professionals obtain liability insurance to offset lawsuit costs and risks, patients may be more likely to be victorious in medical claims. However, when it comes to medical malpractice, the legal system can be a very complicated process to navigate. Solomon Neuhardt believes that only highly disciplined lawyers are able to effectively manage and litigate medical malpractice cases.

The costs of health care in the U.S. continue to rise, however, the quality of medical services available does not match those rising costs. Statistics have shown that approximately 195,000 people die annually in the U.S., due to medical errors. Approximately 73 percent of malpractice claims that are settled, involve medical errors.

Doctors, health care providers and their insurance companies have the best legal representation available. Only a highly qualified medical malpractice personal injury attorney can level the playing field and ensure that injured patients will receive the care and compensation they are entitled to and deserve. This is why patients need Solomon Neuhardt’s highly disciplined and qualified medical malpractice specialists and lawyers to handle their claims and lawsuits.


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Seeing a Physical Therapist or having Sports Physical Therapy in New York for a Rotator Cuff Tear.

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If you are looking for the best physical therapist that NYC has to offer, then you’ll have to also finf professionals who specialize in sports physical therapy treatment in New York. Doing so will certainly be the best idea when it comes to therapy for injuries such as a rotator cuff tear. Those that are not sure where to go will find that professionals with hands on experience and the latest techniques will be the best bet.

Types of Sports Physical Therapy Treatment New York has to Offer >

Are you dealing with pain? Are you tired of dealing with medications every day that don’t help? Then it is time to find a physical therapist professional within NYC, who has a full understanding of your condition and what type of treatment you need.

Some individuals are going to need sports physical therapy treatment that’s hands on and can help them regain the strength and flexibility that they have lost. Therapy for rotator cuff tear complications should be hands on as well and include some of the most recent and up to date therapies that have been proven to be effective. It will also be important for physical therapist professionals in NYC to help their patients learn how to care for themselves once treatment is complete.

Injuries Treated with Sports Physical Therapy

Are you wondering what type of injuries are treated with sports physical therapy? You may not know that therapy for a rotator cuff tear is usually of the most common treatments. Bone spurs are often experienced by many patients looking for physical therapist professionals. You may also find that physical therapist professionals in NYC often treat patients who suffer from simple overuse of certain muscles.

Without treatment for overuse or other issues, an individual could face complications for an extended period of time. In fact, if you do not get therapy for rotator cuff tear injuries, you may end up struggling with pain management problems for the rest of your life. Keep in mind that sports therapy professionals are going to tell you that each problem can be classified by severity and this will play a role in your specific treatment.

Avoiding Undergoing Sports Physical Therapy in New York

If you would like to be able to avoid the need for physical therapy treatments, you have to make sure that you are actually following a routine before and after you become active. It will be very important to be sure that you are doing all exercises properly. Finally, know your limits.


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OCD Cognitive Behaviour Therapy & Exposure Response Prevention

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What CBT & ERP is and How They Are Used in Today’s Health Field to Treat OCD

CBT and ERP are two different treatment options available to treat OCD. CBT is short for cognitive behavioral therapy. This therapy is a talking therapy that aims to solve problems by focusing on identifying the thoughts, emotions and habits that lead to a person repeating the same pattern that leads to the problem.

ERP is short for exposure and response prevention. This is a treatment method that has the subject confronting their fears. It also identifies the thinking process and emotional patterns used that leads to the subject repeating a habit. It then attempts to get the person to respond differently to the way he or she used to respond by refraining from the previous behavior.

Both therapy methods are used to treat OCD. It all begins with cognitive behavior therapy. The therapist will talk to the patient. The focus will not be on the events of the past but rather more on the current problems. The goal here is to learn about the patient and even develop a relationship with the patient.

Trust is very important to the treatment process as patients need to have confidence and feel comfortable about the treatment process. After some trust has been established, the therapist will give the patient advice on how to think as well as suggestions on how to deal with their OCD.

An example is helping patients understand that they can make their own choices. Rather than submit to OCD, they can strengthen their ability to make a decision with beliefs such as “I washed my hands because of my anxiety.” This allows patients to see that they have options rather than succumbing to the thought process of something like “I have to wash my hands.”

The next step is the exposure and responsive prevention therapy. The patient will have to face their OCD over and over again. For example, if the patient has the compulsion to wash his hands repeatedly, he should just go ahead and do it. Over time, the patient will have to refrain from repeating the habit while being in the state of anxiety.

This process repeats so that the patient practices how to refrain from the compulsive habit. What this does is that it gives the patient confidence and practice in withholding from the habit. With the therapist’s help, the patient will be able to get rid of the anxiety that causes him to going through with the compulsive action.

So that is an overview on how cognitive behavior therapy and exposure and responsive prevention are used to treat OCD today. These two treatment options are proving to be effective and the success rate is quite high. These two treatments work best when they are used together. The exposure and responsive prevention therapy in particular really helps solidify positive habits and get rid of the anxiety that causes the obsessive and compulsive behavior.


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David Wayne Fish- A Synonym for Superior Medical Equipment

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When we take a look at the medical industry, we often amaze ourselves at the efficiency of the employees of the medical centers. However, most of us fail to realize that a major chunk of the credit for this competence goes to the persons responsible for the production of superior quality medical equipment’s which in turn make the medically related work simple and flawless.

One man who has known far and wide in this respect of producing and providing quality medical equipment is David Wayne Fish. The man is an impeccable blend of medical expertise as well as marketing genius, which explains his consistently firm grip on the market. It is not just the hospitals and other medical centers that have benefitted from his novel products; the equipment is being used extensively used in homes of the disabled and as a means of personal care by the health conscious.

His expertise and experience in the medical field has also earned him the repute of being a health guru and a professional trainer with people flocking him for advice related to workouts and health in general. He claims that regular exercise affects not only the body but also the mind and the psychology of a person. A person can get rid of his negativity, stress and tension. Also, contrary to popular belief, a good workout is a good way of dealing with exhaustion. By exercising, the energy levels of a person boost up and he becomes more active. The other benefits of exercise would be getting better sleep, anger-management, building focus, higher confidence and an improved social life. In simple words, regularly working out brings out the best in an individual.

While promoting workouts, David W. Fish also makes it a point to lay emphasis on the importance of a moderate workout. Just when other trainers are busy pushing their clients to the level of exhaustion, this man maintains that irrespective of the current health conditions of the person, in the beginning phase, workouts must be undertaken not more than five days a week for 30 minutes session each. Henceforth, the amount of time spent working out will depend on the goal that the person is intending to achieve through the fitness program. Another important piece of advice to people working on their fitness levels is that they should increase the intensity or duration of their workout at their own pace. Comparing one’s workout with others and forcing the body to do more than it can handle can lead to serious injury.


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Shockwave – Conditions And Benefits Of Shockwave Therapy

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Shockwave therapy works best for those chronic injuries that you may be experiencing. Shockwave therapy is a cutting edge treatment used at only a select few clinics in the GTA. Extensive research has been done to show how well this therapy can work.

What we mean by chronic, are the aches and pains that have been bugging you for anywhere between a few months to many years.

Check out some of some of the conditions that Shockwave Therapy can treat!

Top 10 conditions that can be treated by Shockwave Therapy:

1. Plantar Fasciitis
2.Achilles Tendonopathy
3.Tennis Elbow
4.Jumpers Knee (Patellar tendinitis)
5.Stress Fractures
6.Calcific Rotator Cuff Tendinitis
7.Bursitis
8.Trigger Point Therapy
9.Non Healing Ulcers
10. Hallux Rigidus (Big Toe Stiffness)

Dr. Robert Gordon, a Toronto area Orthopaedic Surgeon, has researched and fully supports the use of shockwave therapy for a wide variety of chronic injuries. Dr. Gordon has even trained the staff of Don Mills Health Care to utilize this ground breaking treatment. Don Mills Health Care provides many types of health care services including Registered Massage Therapy. With Registered Massage Therapy, you will gain the experience of a well- trained practitioner who can assess, discuss, and treat your ailments from beginning to end. In addition, with Registered Massage Therapy, you can have a variety of conditions treated including tennis elbow, muscle strains, joint sprains, motor vehicle accident whiplash, and most importantly stress related ailments.

Besides the overall benefit of getting rid of your lingering injury, check out some of Shockwaves other advantages.

5 Benefits of Shockwave therapy:

Non surgical treatment
No side effects
Accelerates the healing process
Shown to have proven results
Coverage available from most insurance companies for Shockwave treatment

If you have any of the above, come on in for a consultation. You dont have to live with the pain forever!

Full Article Resourse: www.donmillshealthcare.com/blog/


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The Best Way To Learn Medical Spanish

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Every year tens of thousands of doctors or medical students land up in Spain speaking countries. Their goal is one, to become a true professional. By dint of sheer hard work, they aim to serve the humanity.

But before embarking on their journey towards excellence in this profession, these doctors or students need to master Spanish language for medical. In other words they need to learn Medical Spanish. After learning the language they can concentrate on their medical career or treat the people in a Spanish speaking country.

In order to master Medical Spanish course, they first need to master the language and here Hispaniola.org will help them out in every possible way. Hispaniola.org enables the student to learn medical Spanish in Dominican Republic, one of the Spanish speaking countries of the world. The students get to learn medical Spanish at Dominican Republic at an affordable cost. Hispaniola.org will provide all necessary arrangements for a prospective student.

Along with the courses, Dominican Republic also offers innumerable opportunities for enjoyment. It is one of the most spectacular countries and its long stretch of blue waters, incredible beaches, where one can leisurely bask the sun. It invites tourists from every nook and corner of the globe and its beaches are famous for globe trotters. If somebody is passionate about windsurfing, Dominican Republic is country one should head for. Long stretches on coastline, a variety of wind conditions and a warm climate make Dominican Republic one of the most sought after places for wind surfing. In fact the beaches are a point of reference for windsurfing enthusiasts, as well as being the stage for regular international competitions. Any time of year is good for windsurfing in Dominican Republic. The country is always a paradise for the tourists from across the globe. Their spectacular landscapes, soothing climate and culture have been mesmerizing people since time immemorial.

After learning medical Spanish, the doctors can serve easily in any Spanish speaking countries of the world. As it is very difficult to treat the patients without knowledge on the local language, many doctors from non-speaking counties cannot offer their services in the Spanish speaking countries. Hispaniola.org offers medical Spanish courses at very affordable prices so that the doctors can communicate with the patients easily or read medical journals in Spanish. After learning medical Spanish, it also becomes easier for the students to take up medical courses in any Spanish speaking countries of the world.


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GP Locum – Trained and Qualified Freelance Medical Practitioners

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Are you a medical professional and wish to work in a hospital, clinic or as a private practitioner? Well it’s absolutely convenient when you choose to offer your services as gp locum. Better known as General Practitioner these locums work in the place of another medical professional till the time the expert is on leave or there is shortage of staff. These locums are also highly trained, educated and have the knowledge and skills related to the profession with just the exception that they work as freelancers. These locums are also governed by regulatory bodies and are accountable for their tasks to them. These locums can work as both full and part timers and would never let you feel the shortage of staff. These professionals fill the gap in the service delivery capacity so that the patient never needs to wait for the right care.

These locum tenens are easily available and take the place of a regular doctor thereby saving your medical facility from big losses. They ensure that proper care and treatment is provided to the patients and is well aware of their responsibilities. Highly dedicated and committed these tenens even provide an opportunity for the individual to decide which stream would be most suitable and whether the knowledge and skills of the tenens is adequate for the profile or not. If you run a hospital or any medical center and are not able to find suitable health professionals then you can easily hire a locum to fill in the empty position on a temporary basis. Locuming even offers the freelancer to try their hands in different work environments and medical fields. There are also several medical recruitment agencies which makes these locums available according to the requirement and specialization needs.

gp locums might not feel interesting for many medical experts but there are numerous benefits of being a medical freelancer general practitioner as one gets to choose the institution where one wants to work rather than working and staying in the same institution for years together. You even get to understand the work culture of various hospitals and private centers and can easily get to learn different medical techniques by working with various experienced and trained doctors.

For more information on gp locum, check out the info available online; these will help you learn to find the gp locums!