Cheating Death just got easy...

Let's face it. Old age and death are inevitable. But, according to this story from Men's Health, there are ways in which you can prolong your youth and "halt" ageing (at least for a while).…

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Posted By K Patra, Monday 7 March 2011 12:53 PM IST

Let's face it. Old age and death are inevitable. But, according to this story from Men's Health, there are ways in which you can prolong your youth and "halt" ageing (at least for a while).

 

The reason I found this article very interesting was because the tips given here are so simple. These are everyday things we almost always take for granted. So, my leanrings from reading these tips are; stop getting complacent. Get up and take notice.

 

 

Take a look and see what you think!

Live Higher Up

The science: A 2009 study of people in Switzerland found that those living at high altitudes had a 22 percent lower risk of dying of coronary heart disease.

 

Your move: Most people can benefit from taking in 1,000 IU of vitamin D daily, so eat more D-rich foods, such as seafood. (Salmon, tuna, and mackerel are good bets.) Or take a vitamin D3 supplement, says study author Adit Ginde, M.D., M.P.H., an assistant professor of emergency medicine at the University of Colorado at Denver.

 

Must read on health: 6 questions you would ask your gynaec if she was your friend

 

Make Relationships Last

The science: Adults with strong friendships and/or community involvement lived an average of 3.7 years longer than the normal U.S. life expectancy, according to a 2010 review by researchers at Brigham Young University.

 

Your move: It's often easier to schedule an event than to plan an open-ended get-together. Sign up at a site like groupon.com, which feeds you constant ideas (and discounts). If a good event pops up, rally your troops.

 

Brush Your Teeth

The science: People who brushed less than twice a day had a 70 percent higher risk of death or hospitalization from heart disease than those who brushed three times or more, according to a 2010 U.K. study.

 

Your move: Brushing and flossing remove bacteria, but many people floss incorrectly, says Judy Kreismann, R.D.H., M.A., a clinical associate professor of dental hygiene at New York University. Floss right: Wrap the floss so it forms a C around the front of one tooth and a C around the back of the adjacent one. Move the floss up and down.

 

Health must-read: Why are trans-fats bad for you?

 

Breathe Clean Air

The science: People who live in cities with relatively good air quality live a few months to a year longer than average, according to a study in the New England Journal of Medicine.

 

Your move: No matter where you live, you can trade sidewalk jogs for trail runs. Streets equal more air pollution from passing vehicles, and deep breathing increases your inhalation of the stuff, says Pope.

 

Accept Your Age

The science: In a 2009 study from Germany, researchers asked people how they felt about their age. Those who were happy with their age lived an average of 2 years longer than people who were bothered by it.

 

Your move: As people age, they tend to compare themselves with their younger selves, which leads to some disappointment, says Kotter-Gruhn.

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Eight Thumb Rules to claim your Medicalims

A large number of mediclaim policyholders have to claim reimbursement from their insurance companies for hospitalisation expenses, as a large number of hospitals have been removed from the list of network hospitals by the public sector insurance companies.

 

Most government-owned insurance companies (and some private insurance companies) require you to deal with a third party administrator (TPA) to make your claim, adding one more layer in the claim process. At the best of times, it takes at least 2-4 weeks for the claim to be settled.

 

Here is the list of eight thumb rules to claim your amount properly:

 

Inform the company about the impending claim via email

1. Inform the company about the impending claim via email to the TPA (or the insurance company) as soon as you are hospitalised. The said email format is available on the policy documents as well as the booklet that comes along with the card that you get for each policyholder.

 

The email sent by you must contain the full details of the policy number, date of insurance policy, date from which the policy was first taken from the insurance company, name of the policyholder, brief details of the reason for hospitalisation as well as the details of the concerned hospital.

 

If hospitalisation is due to an accident

2. Make sure that you take a print out of the same email and forward it by hand or courier and get the stamped acknowledgement on the physical copy as well. If you are using your agent to do this, don’t just depend on him to verbally inform the TPA. Make sure you get the acknowledged copy of the claim intimation email.

 

3. If hospitalisation is due to an accident, then you will need the certified copy of the first information report (FIR) filed with the police. If the accident was at home, which does not involve the police (say you slipped and fell in the bathroom at home), get your treating doctor to certify in another letter that the injuries are consistent with your claim that they were incurred in a domestic accident.

 

Get all original bills and reports

4. Get all original bills and reports and discharge certificates and submit them along with the claim (you need to make copies for yourself). Most TPAs nowadays demand copies of the indoor case papers of the hospital. The hospital will supply you with a certified copy of the indoor case papers on payment of a small fee.

 

Also, get copies of any X-ray or MRI films (again available on payment of a small fee to the hospital), since some TPAs have started demanding the X-ray/MRI films as well.

 

 

Make sure that any bills for diagnostic tests or medicines are supported by a prescription

5. Make sure that any bills for diagnostic tests or medicines are supported by a prescription contained in the indoor cases papers or a separate prescription from the treating doctor. Number all the documents/pages in the claim file. If possible cross reference all expenses and reports with the relevant prescription and bills. Keep copies of all documents submitted to the TPA and get acknowledgement from them in writing for any documents submitted.

 

6. Make sure that the claim is submitted within 1-2 days of discharge from the hospital to avoid the chances of the claim being denied on grounds of delayed submission. If you have post discharge claim amounts (such as medicines prescribed on discharge to be taken for a few weeks or months after the hospitalisation) you can submit a supplementary claim later.

 

 

Keep track of your claim status on the website

7. Keep track of your claim status on the website. Most TPAs have online claim status on their websites though, for obvious reasons, they do not publicise it too much.

 

The TPAs have a disconcerting habit of posting fresh requirements regarding your claim on their website without ever actually sending the letter to you. You will need your policy number to be able to find out the status of your claim.

 

 

Every second follow up should only be by email or by acknowledged letter

8. Every second follow up should only be by email or by acknowledged letter. This helps build up your case in case any future action is required.

 

If you follow all these steps, hopefully, you will get your claim amount relatively quicker and will not need to use the grievance redressal forums provided by Irda as well as consumer legislation and the regular courts.

 

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