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.

If you want to make sure your family pets are well cared for then you need to find the best vets in Wrexham. You will want to be confident your vet can offer you an all-round service that can take care for you pets at every stage of their lives.

Park Issa is a leading veterinary hospital and can offer one a wide number of services for patients. This top vets Shropshire practice can cater to both small and large animals. The modern well-equipped facilities offer comfortable and efficient surroundings for all kinds of pet health care requirements.

Park Issa Services

One of the main benefits of using the Park Issa Johnstown practise and hospital for your pets is that a wide range of services can be provided. This can include key treatments such as flea prevention and also full surgical procedures. You can be sure your pet will be cared for using the latest treatments and methods whatever their condition. This vets Shropshire hospital and surgery can provide the following services:

* Consultation if your pet is unwell then the experienced veterinary surgeons at Park Issa can offer them a full clinical examination and diagnosis. The modern air-conditioned consulting rooms are designed to ensure your pets have a relaxing and safe environment for their examinations.

* Vaccinations these key treatments can help your pets to stay healthy throughout their lives. They can help to prevent them from catching a number of potential fatal diseases. At Park Issa you will be able to get a wide range of vaccinations for vulnerable pets such as puppies, kittens and rabbits. You can also get booster shots for older pets.

* Microchipping it is too easy for pets to get lost or go missing. You can help to protect your pets with microchipping. This is a simple and painless process that involves inserting a small microchip under your pets skin. This will contain important information about their owners identification. Dogs are now legally required to wear owner identification at all times. Collars and tags can fall off or get removed and so microchipping is a much safer and more reliable way to make sure you are fulfilling your legal requirements as a dog owner. This service can also protect your cats as well.

* Surgical Procedures just like us sometimes pets may need operations to treat illness or injury. The Park Issa veterinary hospital can provide a wide range of surgical procedures. The modern operating theater is designed specifically for animal treatment and is supported by experienced professional health teams.

If you are looking for top vets Shropshire services then you should consider the Park Issa. Here you can find most of the main pet health treatment and services to make sure your pets are well cared for throughout their lives.

Muscle Building Supplements for Seniors

Very few muscle building supplements are developed with seniors in mind. Bodybuilding sites focus on the young and overly muscled. Experts also promote supplements as if they are effective regardless of age. The often ignored issue is the age-related limitations on supplements.

This issue also seems to be the case with the increasingly popular use of branched-chain amino acids (BCAAs) as muscle building supplements. However, a key metabolite of leucine, which is one of the BCAAs, is turning out to be an exception. This metabolite, beta-hydroxy-beta-methylbutyrate (HMB) does, indeed, have a comparable effect for building muscle mass in older vs. younger adults.

Key Research on HMB

The following key study is one of the very few that entail senior subjects. It addresses the effects of HMB in 70-year old adults. Here are the reference details of the study:

Vukovich MD, Stubbs NB, Bohlken RM. Body composition in 70-year-old adults responds to dietary beta-hydroxy-beta-methylbutyrate similarly to that of young adults. J Nutr. 2001 Jul;131(7):2049-52.

Fifteen men and sixteen women, average age 70 years, were randomly assigned in a double-blind study to receive either capsules containing a placebo or HMB at 3 grams per day for 8 weeks. At the end of 8 weeks, HMB supplementation tended to increase fat-free mass gain, increased the percentage of body fat loss. CT scans also indicated a greater decrease in the percentage of body fat with HMB supplementation.

The authors concluded that changes in body composition can be accomplished in 70-y-old adults participating in a strength training program, as previously demonstrated in young adults, when HMB is supplemented daily.

Key Age Comparison for Senior Fitness

The authors of this study provided a comparison that is often missing in published studies. It is one thing to say that results have been comparable across several studies. However, these authors provided an analysis of several other studies and showed that results with 70-year-old adults were comparable to studies of subjects in their 20s.

All of the studies in this comparison showed a net weekly increase in percent Fat Free Mass with HMB supplements. The current study shows that 70-year olds might even expect a little bit better than average increase in comparison with the 20-somethings.

That, dear readers, is a rarity regarding aging. And quite a pleasant one for me as I approach that milestone in the next few years.

If you have one or more teeth affected by decay, cracks, chipping or any other kind of damages then dental crowns can be a solution. Capping crown provides support for your teeth and makes them natural, strong and white which you want. Teeth are one of the most important parts of your body which help you to eat food as well as white and impressive teeth always improve your personality and smartness.

Dental Hospital in Delhi, Dental Treatment in Delhi, Best Dentist in Delhi, cosmetic dentist in Delhi, teeth capping crowns in Delhi, Dental Clinic in New Delhi, Dental implants cost in New Delhi, Teeth treatment Delhi NCR, ceramic braces in New Delhi, Invisible Braces in Delhi, Dentist for children in Delhi, teeth cleaning dentist Delhi, gum treatment in Delhi, Teeth Whitening in Delhi, American dentist in New Delhi
We use capping crown for the following:

The teeth do not look healthy and attractive
The teeth are yellow or discolored
The teeth are misshapen or proportionally too small
The teeth are cracked or chipped
The teeth need additional support and strength
The patient is unable to comfortably chew food
The bite is not aligned properly

Dental Hospital Delhi
Dental hospital Delhi is one of the leading dental hospitals in Delhi India which provides all kind of dental services at economical prices. Dental hospital used advance equipments and technologies to solve your teeth related cause which never uses other unprofessional hospitals. We have American dentists which for your teeth related causes and they are expert in their work.

American dentist in New Delhi
Dental hospital is one of the amazing dental hospitals in Delhi and its famous for American dentists .yes we provide highly qualify and expert American dentists in dental hospital Delhi. American dentists are more advance then Indian and rest of the worlds dentists thats why they are in demand and we provide them for you. They are very familiar with the advance equipment.

Invisible Braces in Delhi
Dental hospital delhi which provides best dental services they introducing you with the invisible braces in Delhi which makes your teeth strait and strong without any kind of side effect and make your looks as it is previous braces were effective but most of the people feel shy at the time of use it. Thats why we are providing our customers invisible braces in delhi.

Simply Supplements and WellChild will be actively exploring a variety of ways in working together to raise vital funds, including staff fundraising activities and product related promotions. As a first step in their support for WellChild, Simply Supplements will be undertaking a promotional campaign launching in September 2009 through to the New Year in which they will be donating 1 to WellChild from every sale of their new and exclusive hematite magnetic bracelet. The bracelets come in the form of attractive jewellery with the added benefit of magnetic therapy, which is believed by many people to naturally support health and wellbeing. The bracelets are for sale through Simply Supplements mail order brochures and on their website www.simplysupplements.co.uk.

Carole Davidson, Marketing Executive at Simply Supplements celebrated the new partnership with WellChild in saying “Whilst at times like these, customers are looking for discounts and promotions when it comes to buying daily essentials such as supplements, we also feel that it really is time to move forwards with optimism. Our support for WellChild provides customers with a fresh and welcome burst of positivity as well as an opportunity to join us in supporting the national childrens charity in improving the quality of life of so many young people across the UK. Once we were aware of the amazing work that WellChild does with children and families dealing with serious illness and complex conditions, it was clear that the partnership would be extremely rewarding for us both. The work of WellChild is very close to our hearts and we feel that it will be very close to those of our customers too.”

WellChild Chief Executive Colin Dyer said he is delighted Simply Supplements have been able to offer support to WellChild. “For a health supplements company like Simply Supplements to want to get involved with WellChild makes perfect sense,” he said. “We are delighted to have their support and hope that their partnership with us proves fruitful and useful for us both.” Colin went on to explain that “WellChild very much appreciates the support of corporate partners to help us with our work with seriously ill children and their families in the UK. Companies who support us know that, by doing so, they are able to give something back by helping some of the most vulnerable members of our society.”

WellChild, with the support of its Patron Prince Harry, helps sick children and their families throughout the UK as they deal with the consequences of serious illness and complex conditions by focusing on three key areas – care, support and research. The charity provides a team of WellChild Children’s Nurses who work with families to ensure that children with complex care needs can leave hospital and return home and, through its Helping Hands scheme, WellChild enlists the support of volunteers to tackle practical projects in the homes of sick children. In addition, the charity has invested more than 20 million in ground-breaking children’s health research projects.

What Are Water Soluble Vitamins?

This category includes Vitamins C, Folate or Folic Acid, and all the B-vitamins. Vitamins in this class are absorbed quickly and readily excreted, with minimal to no storage by your body.

An important exception is Vitamin B12, it is critical to many metabolic processes and therefore your body actually reabsorbs it in the part of the small bowel named the ileum. This is why it takes a long time to develop a B12 deficiency and why it is a somewhat rare deficiency in developed countries.

People with certain types of autoimmune processes such as pernicious anemia, longtime strict vegetarians, and those who have had a significant portion of their ileum removed or injured by inflammatory bowel diseases are more susceptible to B12 deficiency.

Safety and Toxicity of Water Soluble Vitamins

Yes, water soluble vitamins have a lower risk of buildup and toxicity, but you still can have toxic effects from certain ones:

Vitamin B6 can cause nerve problems (peripheral neuropathy) in very high doses. This happens at doses of 1000mg a day, which you can’t get from food alone. Rarely this can happen from as little 300mg per day.

High doses of Niacin (Vitamin B3) can cause flushing. This is not a toxicity, but actually a side effect. When niacin is used as a prescription medication for high cholesterol sometimes patients are advised to take aspirin with it to minimize this side effect.

Alcohol Misuse and Thiamine

Thiamine (B1) is very important for brain function and is often low in alcoholics. In fact, if anyone has even a question of possible alcohol abuse in the hospital they are often started on thiamine.

Alcohol use depletes your body’s Thiamine, and can lead to an irreversible psychosis known as Wernicke-Korsakoff syndrome.

Metabolic Syndrome

Metabolic syndrome is a group of risk factors that together increase your risk for:

Coronary artery disease (heart attack)
Cerebrovascular disease (stroke)
Type 2 Adult Onset Diabetes

Recent research discovered that people with metabolic syndrome had lower levels of:

Vitamin B1 (thiamine)
Vitamin B3 (niacin)
Vitamin B6 (pyridoxine
Vitamin C (ascorbic acid)

Biotin and Muscle Cramps

Biotin is a water soluble B vitamin also called vitamin H. A recent research study tried using Biotin on patients that were getting painful muscle cramps during dialysis, since these patients are low in water soluble vitamins:

Biotin supplementation of 1000mcg (1mg) per day reduced cramps promptly.

Vitamins lost in Kidney Injury or Dialysis

Water soluble vitamins can be lost during dialysis – patients are more likely to have low levels or be deficient of several water soluble vitamins, especially on the restricted dialysis diets.

A recent research article suggests that supplementation with the following vitamins may be helpful in persons with dialysis:

Vitamin B1 (thiamine)
Vitamin B6 (pyridoxine)
Vitamin B9 (Folate/folic acid)
Vitamin B12 (cyanocobalamin)
Vitamin C (ascorbic acid)

To stay health has become an important part of all our lives. With so much of stress borne by our bodies, both mentally and physically, it becomes necessary for us to in take vitamins and nutritional supplements to boost up our energies to work day long.

Why do we take them? Our body requires certain amount of minerals and vitamins to keep us healthy and fit. They are needed to keep our hair, nails, muscles, eye-sight, out heart and nervous system to function normally and good results. If we have a balanced diet, which includes foods which supplies the necessary vitamins and proteins, there will be no need for any kind of addition supplements to work for us. But looking at the lifestyle we follow today, where we have no time for personal care in a healthy way and the damaged food habits we have cultivated in this junk food ear, our body lacks the supply of nutrients in their proper amount leave alone a good percentage.

If we are able to eat and drink healthy, then there is no need for any kind of supplements at all. But when we are unable to fulfill our bodys demands, then dietary supplements is the best way to keep us healthy on the go. They are necessary to fight the nutritional deficiencies our system faces, weakening our immune system and landing us to the doctors door on regular basis.

There are certain cases where the body, though on a healthy diet consuming all essential foods it is supposed to, yet feels certain weakness in carrying out normal work. There can be many reasons as to why would anyone face such a situation and thus it becomes important to consult a doctor to know the actually reason before trying your hand on any kind of energy supplements.

On the other side, there are people who take support of these health vitamin supplements to cater the extra energy their work or profession demands. These cases are different and special and their prescriptions are based on their body requirement and demands. In any case, it is always preferred safe to consult your dietician before attempting on any of the products.

Vitamin supplements for women are very essential as they face a lot of physical changes over a period of time. They lack the necessary amount of calcium and vitamins in their bones and body after pregnancy and thus are advised to take supplements followed by a strict and healthy diet. There are also available online if you look for discount on vitamins and nutritional supplements. But make sure you have done enough research on the manufacturer before buying them.

Reiki is a very ancient form of healing which originated in Tibet and was re-discovered and further developed by a Japanese monk named Dr. Mikao Usui. It is a natural hands-on method of energy balancing for the purpose of stress reduction and relaxation.

Reiki therapy can be used for many conditions and situations. It is especially useful in helping infertility because it is safe and gentle. It helps you reach a deep state of relaxation where you become receptive to receiving healing, thus allowing physiological and emotional changes to take place within your body.

There is a variety of health benefits associated with
Reiki treatments. Some of these benefits include:

reduced levels of stress
energy levels
improved immune system health
reduced muscle pain
reduced levels of anxiety and depression
improved methods of detoxification
Reiki healing works to improve your overall physical and mental health, it can in turn improve your chances of
getting pregnant by promoting overall reproductive health by minimizing conditions and illnesses that can contribute to infertility. Reiki therapy
can help to maintain good reproductive health that is beneficial for both men and women. Also, because stress is often linked to fertility problems, Reiki therapy can be beneficial in cases in which stress is contributing to problems
getting pregnant.

In addition to promoting good preconception health,
Reiki treatments can also help promote good prenatal health. A recent study found that
Reiki healing sessions reduced stress during pregnancy by 94{49abc6907973021afc073d3b2d6ebaf2441da3daa1e59900213ad7add4bbdb46} while nausea and morning sickness were reduced by 80{49abc6907973021afc073d3b2d6ebaf2441da3daa1e59900213ad7add4bbdb46} after
Reiki treatment sessions. In addition, the study found that quality of sleep is improved by 86{49abc6907973021afc073d3b2d6ebaf2441da3daa1e59900213ad7add4bbdb46} when
Reiki treatment is conducted during pregnancy.

Reiki healing can also help to minimize labor pains as well as to provide relief to muscles and reduce other discomforts linked to the birthing process.

To learn more about the benefits of Reiki please visit

To book a Reiki session with Dr. Jessica Caruso please call 603-434-3456 or email .

Discount packages for Reiki treatments are available upon request.


Home health care services are optimal for taking care of the senior citizens who are sick or injured. From megacities it has been proven that senior citizens are healed better and homely environment that’s why home health care services are optimal for them as they get the medical care they require along with the home environment. Leaving your pants in the hands of unknown persons can be worrying that’s why you must hire a reliable home healthcare service company. Apart from the medical care senior citizens require someone to treat them well that’s why always hire a company who provides experienced nurses and medical staff. In many cases a patient requires a regular medication that’s why it is better to have someone who can take care of these.

Senior citizens may require 24 x 7 cares that’s why hiring a nurse from a woman service company can be beneficial as they would take care of your loved ones even when you are not at home. Senior citizens feel better under the observation of a home healthcare service person as they have company so they do not feel alone and unsecure. Elders do not feel comfortable in the restricted surrounding of a hospital that’s why home care services are preferred for them but they cannot be an alternative for the medical care received in hospital. You can take services of a home health aide Richmond if you are unable to take care of your parents due to office work.Elders do feel comfortable under the supervision are famous not only treats them medically but also of accompanies them. In cases where the patient is suffering from a mental disease he should be treated by a skilled and experienced nurse who is trained to take care of these types of patients. Apart from medical prescriptions and care senior citizens also require adequate nutrition decided by a nutritionist that can be given to them by a nurse. The person who takes care of senior citizen helps them in various day to day tasks like shopping, cleaning and etc. Apart from these services they provide aide services, these services are aimed to speed up the recovery of patient. These caregivers help patients in performing various tasks like exercising and they also maintain medical records of the patient so that they can be consulted in case of emergency. These caregivers or nurses have to report a senior who monitors the health condition of the patient to make sure that a patient is having a speedy recovery.

If you need help in taking care of your parents you can take services of ahome health aide Richmond company as they provide home healthcare services for senior citizens and patients.

Reading the reviews provided by the author is one of the best ways to gain necessary information on Homehealth services richmond.

Healthy diet plans do not mean that you should starve to remain fit and agile. Your diet plan has to be linked to your body constitution, your daily routine and your metabolism factor.

A healthy diet plan keeps you light, fresh and mentally active through out the day. While there are a number of theories about the contents of a healthy diet plan, modern research proves that your diet plan should encourage you to eat healthy and eat organic foods.

Your diet plan should include eating small and medium servings at least 4-5 times a day, as compared to 2-3 heavy meals. Small and varied servings throughout the day keep you content without a heavy feeling. It also helps you avoid getting that craving for mid-meal snacks.

Make it a point to include generous amounts of fresh fruits, green vegetables, whole grain cereals and milk products in your diet plan. Fresh and organic fruits are good source of vitamins, minerals and carbohydrates and develop your immunity levels. Green vegetables are rich in iron, calcium and minerals.

If you are a non-vegetarian, then fish and egg white can be taken to meet your protein requirements. Pulses, nuts, tofu and beans are a good option for vegetarians.

One major misgiving about a healthy diet plan is that fat needs to be avoided at all costs. Remember that fat is an important element for your body to function efficiently.

It is like oil to your body machinery. You need to take unsaturated fats available in olive, sunflower and corn and avoid the saturated variety, which is generally found in animal products and bakery items.

Also, keep an eye on your calorie intake. Your calorie consumption is linked to your activity level and structure. People leading a sedentary life style require less calories compared to those who are more physically active. Gradually reduce your consumption of calories, if you are taking more than you need. Do not bring your intake to less than 1200 per day or otherwise you will feel burnt out.

Thus, to follow a healthy diet plan, you need to think positively and be prepared to make changes in your life style and food habits. Moderation is the key to success, and balanced food is an important ingredient for healthy and happy living.