GENERAL INSURANCE BLOG

Abdominal pain is a prevalent issue of concern worldwide. The common causes of abdominal pain are gas, indigestion, and constipation. They don’t require urgent medical care, and you can get relief in a few hours. However, there may be more serious causes of abdominal pain, like urinary tract infections, kidney stones or infections, and even appendicitis which can be serious.

These are some causes for which you must seek immediate medical help. If the cause for your lower abdominal pain is an inflamed appendix, more often than not, you may have to undergo appendix surgery. The surgery cost is high, making it essential to buy health insurance online. While health insurance covers medical expenses, taking precautionary measures and being aware of its symptoms is necessary.

Let us understand lower abdominal pain caused because of appendicitis more clearly.

What is appendicitis?

Our large intestine has a pouch-like structure at its beginning, known as the appendix. The appendix sometimes becomes inflamed and fills with pus, causing immense pain. This situation is called appendicitis. It is treated with antibiotics and must be removed through surgery.

You should not ignore severe and persistent lower abdominal pain as it may be a sign of appendicitis. It can be dangerous and result in a ruptured appendix that can cause severe infection when ignored.

What are some common symptoms of appendicitis?

If you regularly suffer pain in your right lower abdomen area for a prolonged period, it is time for you to visit a good doctor. Also, the severity of pain eventually increases if not diagnosed early. Other symptoms of appendicitis include nausea, vomiting, fever, and loss of appetite.

What are the associated risks of appendicitis?

When the appendix becomes blocked and inflamed, bacteria multiply in it. The appendix can start swelling, along with pus formation. This causes painful pressure in the lower abdomen. It can also block blood flow. Not only does appendicitis cause immense pain and trouble, but bacteria can spill into the abdominal cavity with the bursting of the appendix. This can result in developing life-threatening infections.

The pain caused by appendicitis is usually so severe that it can even wake us from sleep. It can worsen within just a few hours and may require immediate hospitalisation.

How is appendicitis diagnosed?

There is no specific test to diagnose appendicitis. The doctor first understands the symptoms and your medical history. He will physically check for swelling or rigidity of the lower right part of the abdomen. He may also perform a digital rectal examination.

The doctor may ask you to get a few more tests done to ascertain the occurrence of appendicitis. This may include blood tests, urine tests, and abdominal imaging tests.

How to prevent appendicitis?

There is no way by which we can fully prevent appendicitis and the subsequent pain that it causes in the lower abdomen. But having a high-fibre diet can help reduce the chances of appendicitis. Additionally, increase the intake of fresh fruits and vegetables, lentils, beans and other legumes, split peas, brown rice, whole wheat, oatmeal, and whole grains. Consider the intake of some fibre supplements with the approval of your general physician to ensure a well-balanced diet.

One should never ignore lower abdominal pain as it can be a sign of appendicitis. The pain and uneasiness can lead to fatal infections. Since such ailments are beyond control, one should focus on safeguarding their health. Buy health insurance online with comprehensive protection to cover the costs of treating appendicitis without feeling a pinch on one’s wallet.

Click HERE to buy health insurance online policy.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Detecting faults in your home's electric circuit can be simple if you know exactly where the fault is or which appliance has malfunctioned. Proper knowledge is the prerequisite to easily detecting faults in the home electrical circuit. It can be in any room, hallway, verandah, bathroom, bedroom, or kitchen.

The power supply may get disrupted in the entire house or only some portion of it. Safety is paramount when it comes to detecting faults in electric circuits. Even a small mistake can cause loss of life and massive property damage.

Are you someone trying to detect electrical faults for the first time? Let us understand how you can proceed with it conveniently.

1. Get the right gear:
The right equipment and tools are necessary before repairing a fault in your home's electric circuit. Get the right tools that ensure your safety while checking for the fault. Use a socket tester and voltage meter to check the running current.

2. Switch off the main power supply:
Make sure you switch off the main power supply of your house before trying to touch any open wire or faulty appliance. You can also remove the circuit fuse of the particular room or area where you plan the repair. Failure to do so can result in an electric shock.
If there was smoke or crackling noise from any wire or switchboard, wear rubber boots or slippers and rubber gloves before touching any wire or board. They will provide some electrical insulation if they are made of 100% pure rubber without any holes or tears.

3. Testing a faulty appliance:
If any of your appliances are not working, you should try to plug them into another socket to ensure it is working properly. If the appliance works there, you have a problem with the circuit of that particular room. If the appliance still does not work, it means that your house's electric circuit is okay and not at fault. You will have to get the appliance repaired from the electrician.

4. Checking the Fuse / MCB:
Our homes have fuses or MCBs (Miniature Circuit Breakers) for every room and separate portions of our house. To prevent overloading, there are separate MCBs for heavy appliances, such as an air-conditioner. When a circuit or appliance malfunctions, the fuse will break, or the MCB will trip automatically, which will shut down power to that circuit.
Whenever you face a power problem in any particular house area, you should first check the respective fuse/MCB. A faulty appliance can also result in tripping off an MCB or blowing a fuse. You can repair the fuse by fixing the live wire if the fuse is blown. If the MCB is down, you should switch it on again and check for the fault in that particular room or appliance. If the problem is still there, the MCB will trip or shut off again. In such instances, you should call a qualified electrician rather than fixing it yourself.

5. Faulty power line:
If all the MCBs are also fine and there is still no power in your entire house, the problem can be bigger from the main line or the transformer. Please do not try to rectify faults from the main line because of the high voltage running through them. Call a qualified technician who is capable of repairing such faults.

You do not have to run for a qualified technician whenever you have a minor electrical fault at your house. You can also detect and repair the fault if it is not that severe and manageable. However, you should be careful while checking or repairing faults in your home electric circuits.

Faulty electric circuits and malfunctions can result in fire and heavy loss at your house. Fret not! Home insurance provides you with safety and security from any such unfortunate events. It covers the house structure and its contents and assists in rebuilding the damaged property. Get complete peace of mind by opting for a good home insurance policy.

Click HERE to purchase a comprehensive home insurance policy.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Travel is like hitting a reset on the mundane flow of life. It is a breath of fresh air a amid hectic schedule involving tedious work. Refocusing efforts on personal growth rather than material success to prevent burnout and enhance productivity has allowed young professionals to take holiday breaks, explore the world to develop new perspectives, and take on new challenges.

While travel opens up a new world of possibilities, cultures, and experiences, one should never neglect uncertainties. Accidents are an uncertainty in life that one must always prepare for. Often forsaken since they are rare occurrences, irrespective of scale, they leave the victim with pain, financial burdens, and sometimes, lifetime disabilities.

Although you can't prevent accidents, you can be prepared and protect yourself against allied financial losses by buying personal accident insurance India. If you are an avid traveller, here's why you should consider purchasing personal accident insurance India before setting on your next journey.

What is personal accident insurance India?

The severity of accidents is often undermined due to their infrequency. However, irrespective of the cause of the accident, they may lead to accidental deaths, bodily injuries, or disabilities. Personal accident insurance India seeks to insure the policyholder against the financial losses arising from specific accidents that health and life insurance exclude.

Why should travellers purchase personal accident insurance India?

1. Stress-free travel: Exploring new lands and getting a taste of new experiences is best enjoyed without additional stress. Personal accident insurance India protects against accidents you may encounter while on your globe-trotting adventure. Check the fine print of your policy to ensure that your insurer covers accidents occurring abroad. If not, make sure you buy additional specific coverage for the same.

2. Medical compensation:
With medical inflation reaching record heights, healthcare services are costly across the globe. Depending on your preferred destination, you may have to shell out more if you need medical attention due to an accident. Personal accident insurance India covers hospitalisation and allied medical expenses, lifting the financial burden from your shoulders.

3. Additional benefits:
Apart from the medical compensation offered to the policyholder, their family can avail of family transportation allowance, children's education allowance, loan protection services, etc., to shift the burden from the policyholder.

Types of personal accident policy coverage.

1. Accidental death cover:
In case of the insured's accidental death, the nominee receives 100% of the total insured sum stated in the policy.

2. Permanent partial disability cover:
This insurance plan acknowledges disabilities that limit the functioning of the person. For partial disabilities like the loss of specific senses or body parts, you can claim up to 100% of the insured sum.

3. Permanent total disability cover:
Accidents that lead to the loss of essential body parts like limbs that directly impact the insured's ability to return to normal activities make the nominee/policyholder eligible to claim the assured sum.

4. Temporary total disability cover:
Where accidents impair the policyholder's ability to return to regular activities temporarily, the insurer pays a specified sum during the rehabilitation period in the form of a daily or weekly allowance to meet EMI payments, general living expenses, etc.

Exclusions of personal accident insurance.

Before purchasing personal accident insurance India, you must be aware of some of the main exclusions not covered by the policy:

● Natural death

● Pre-existing disability or injury

● Suicide or self-injuries

● Influence of intoxicants

● Acts of terrorism

● Engaging in criminal activities

Encountering an accident is not predictable. Purchasing personal accident insurance protects the policyholder against many accidents, including travel accidents. To protect yourself and your loved ones from unknown risks and travel stress-free, buy personal accident insurance India at the earliest from your preferred insurer!

Click HERE to buy personal accident insurance India policy.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Short-term memory loss following an accident can drastically impact a person's life. People are left feeling disoriented, estranged from their families, and unable to carry on as they did before the catastrophe. Additionally, it can indicate that the person has experienced a severe brain injury, which necessitates rapid medical care.

Consult your doctor immediately if you're losing memories after being hurt in an accident. The sooner you establish whether your memory loss is an independent ailment or a sign of a brain injury, the better you can start receiving the treatment to heal it.

*pro-tip
You must invest in a personal accident insurance policy to get protected from such eventualities. Personal accident insurance can be purchased regardless of age, profession, or health.

Memory loss causes:

We all deal with memory issues at some point in life, and a little reduction in other cognitive abilities often accompanies ageing. More research should be done on short-term memory loss because it should not be taken lightly.

Reversible memory loss may have a variety of causes, such as:

● A vitamin or thyroid shortage

● Disturbances of emotions, such as stress, anxiety, or sadness

● Alcoholism

● Sleep issues like sleep apnea

● Concussion, a minor head injury or damage

● Adverse effects of some drugs

● An infection or tumour that affects the brain

● Disordered functioning of the brain (FCD)

● Smoking

● Chronic stress disorder after trauma (PTSD)

Tips for recovering from short-term memory loss:

The unorthodox methods listed below will help you to improve your short-term memory loss mentally.

1. Put it on paper:
Generally used as a coping mechanism, writing down important information can do wonders. Putting something down on paper makes your brain focus harder, which enhances memory. Writing notes by hand is more productive for learning than typing on a laptop.

2. Rest:
The brain can't focus on doing tasks with precision if it is too exhausted. Thus, it won't be able to remember anything. Resting after a brain injury is crucial for this reason. Rest offers your brain the strength it needs to remember things. Studies have also revealed that your brain consolidates memories while you sleep. Therefore, be sure to obtain enough sleep each night and throughout the day.

3. Use vivid pictures:
We always do not require mnemonic techniques. These aren't particularly useful when remembering things like appointments. However, a connection can still be beneficial if you associate a fact with a real or vivid memory, according to a memory study.

4. Music:
Music therapy provides various cognitive advantages, but arguably the most significant advantage is how listening to music improves memory. In addition to aiding in the recovery of lost memories, music also aids in the retention of new information. So, try singing something significant that you want to remember to the melody of your favourite song. You'll be astonished by how much more you can memorise.

5. Exercise:
A regular, easy exercise is one of the best things you can do after a brain injury to restore short-term memory. Numerous studies have shown that aerobic exercise enhances memory and cognition by promoting the development of new brain cells.
Additionally, it improves cerebral blood flow, which promotes the oxygenation of the memory-related brain regions.

6. Separate your repeats:
Learning practically everything requires repetition. But just saying something a few times won't guarantee you'll remember it. Instead, you must increase the repetitions to rehearse the information you want to retain before you forget it.

Testing is usually the first step in the treatment of short-term memory loss following an accident. Therapy and medicine may be part of the overall course of treatment. Keep the patient away from pressure and stressful situations.

A dependent or damaged individual is intended to receive some relief from the personal accident insurance plans. From partial to total disability and medical costs involved in hospitalisation will be covered under this comprehensive plan.

Click HERE to purchase efficient personal accident insurance plans.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.