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HEALTH INSURANCE TIPS AND HEALTHY LIVING | HEALTHY NOW | SEHAT ZAMAN NOW

Health insurance tips and healthy living. This site provides health insurance information and a healthy lifestyle, suitable for you. Compare Health Insurance Online Find out how much you can Save Highlights: Expat Insurance Comparison Website, Suitable Healthcare Insurance

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Law And Basic Principles Of Health Insurance In Indonesia

The use of insurance is certainly not foreign to most people, given the number of insurance users are increasingly higher in Indonesia. The high users of this insurance is dominated by sharing various insurance products such as life insurance, health insurance, and property protection insurance (cars, houses, etc.).

Public awareness of the importance of insurance has been higher. But it does not necessarily make all the insurance users understand what the benefits and benefits of insurance are used by them, this can happen due to lack of understanding of the terms and policies set out in the insurance itself.

Anyway, If you ask, how about universal health coverage indonesia, health care problem in Indonesia, best health insurance indonesia, and Indonesian health system structure. The questions have been discussed and answered in previous articles. Please browse other pages.

In some cases, we often find customers who are disappointed and feel disadvantaged by the use of insurance that is not maximized and not in accordance with their expectations, where basically something like this could happen due to lack of our understanding of all the articles and regulations that are actually "mandatory" We understand before deciding to use insurance.

Insurance law is a set of written or unwritten rules, which are intended to bind both parties who entered into insurance agreements (insurers and insured).

Based on the provisions of Article 246 of the Code of Trade Law or abbreviated KUHD (for its original abbreviation in Indonesian) it is clearly stated that insurance or coverage is an agreement which binds the insurer to the insured by receiving a premium intended to guarantee the replacement against the insured due to the losses arising, the occurrence of damage or loss of expected profits, it may occur due to an event (event that is not certain).

1. Insurance in the Law of the Republic of Indonesia, 2 of 1992

Insurance in the Law of the Republic of Indonesia No. 2 of 1992 concerning insurance undertakings is an agreement between two or more parties, whereby the insurer binds itself to the insured, accepting the insurance premium, to provide reimbursement to the insured due to loss, damage or loss of profit expected or third party legal liability that may be subject to the insured, arising from an uncertain event, or providing a payment based on the death or life of an insured person.

The agency that channels risk is called the "insured", and the body that accepts the risk is called the "insurer". The agreement between the two bodies is called policy: it is a legal contract that explains each protected terms and conditions. Costs paid by "neighbor" to the "insurer" for the borne risk are called "premiums". This is usually determined by "insurers" for future claimable funds, administrative costs, and profits.

For example, a couple bought a house for Rp. 100 million. Knowing that losing their homes will lead them to financial ruin, they take insurance protection in the form of home ownership policies. The policy will pay for the replacement or repair of their houses in the event of a disaster. Insurance companies about their premium of Rp1 million per year. The risk of losing a home has been disbursed from the homeowner to the insurance company.

2. The Basic Principle of Insurance

  • In the insurance world there are 6 basic principles that must be met, namely: Insurable interest The right to insure, arising from a financial relationship, between the insured and the insured and is legally recognized.
  • Utmost good faith An action to express accurately and completely, all material facts about something to be insured whether requested or not. The meaning is: the insurer must honestly explain clearly everything about the extent of the condition / condition of the insurance and the insured must also provide a clear and true description of the object or interest that is insured.
  • Proximate cause An acttypeive, efficient cause that leads to a chain of events that leads to a result without the intervention of an initiating and active from a new and independent source.
  • Indemnity A mechanism by which the insurer provides financial compensation in an attempt to place the insured in his / her financial position shortly before the occurrence of loss (KUHD article 252, 253 and affirmed in article 278).
  • Subrogation The transfer of claim rights from the insured to the insurer after the claim is paid.
  • Contribution The right of the insurer to invite other insurers who both bear, but not necessarily equal obligations to the insured to participate in giving indemnity.

Basically all laws and regulations issued, solely to protect the interests of both parties who entered into the agreement (the insurer and the insured), so that both rights and obligations can be protected and have provisions in the eyes of the law. Therefore, you should understand exactly what rights and obligations as a holder of insurance.

For about how about universal health coverage indonesia, health care problem in Indonesia, best health insurance indonesia, Indonesian health system structure and other related posts. Please browse other pages. Thank you...(***)

April 30, 2018 No komentar
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illustration : health insurance risk


1. Risk and Risk of Pain

In Indonesian language we do not have the original term or root word about "risiko". Because "risiko" is translated from the English "risk". But if we learn right, actually "risk" is related to the Arabic "rizk" which we translate in Indonesian into "sustenance". Both have aspects of unceheartainty, which we often assert that it is the Fate of God. Risk is uncertain, as well as sustenance. Insurance is actually a means of managing risk and can be expressed as a preventive effort (before the onset of illness) in order to prevent the inability of the population to finance expensive medical services.

2. Understanding of Risk

The word risk comes from the English risk meaningful as ................, there is also a saying that word is also influenced by Arabic "rizk" which means "rizki" (fortune). Both words are risk and rizk have the same nature of uncertainty (uncertainty). Insurance takes the concept of risk as an insurance object because the uncertainty can be managed into a form of certainty in another form. Uncertainty of pain risk is acceptable to everyone, which furthermore means there is a risk of the cost to pay for health services in an attempt to recover from illness. 

The risk can be managed into a form of certainty that is by making health insurance products that ensure the replacement of medical expenses if the buyer of insurance products that fell ill. This insurance product does not change the risk of illness, but can change the risk of cost impact due to illness. In Indonesia, the risk is often interpreted as a negative impact of a situation that occurs due to a person's negligence. For example, a trader has a risk of loss if his business is not properly managed. The risk is more defined as a form of negative consequence of a situation or action. Though seen from the origin he said, very different from the understanding that has been embraced by generations by the Indonesian nation. Risk is not always negative, there are also positive risks, such as profit risks. But the discussion of risks in the context of this insurance is limited to negative risks.

Looking at the nature and definition of the risk that is defined from the origin he said, then the existing risks can be used as insurance products because the level of risk can be calculated based on the frequency and losses caused. This calculation is referred to as an insurance risk analysis to calculate the premium to be paid by someone joining the group to share the risks described in the beginning of this book.

Often mentioned that for an action there is a risk or danger, everyone understands it. But the time of the occurrence and magnitude of the danger that will happen, is not known by anyone. Humans can only estimate the probability of occurrence and magnitude (severity) of such risks or hazards. Here there is uncertainty about the occurrence and magnitude of these risks. Usually the so-called risk has a negative connotation that is generally people interpret the risk as something that can harm or harm yourself, something that is not expected. Actually, in terms of uncertainty, there is also a risk of luck. In this context, the word luck is a risk, ie positive risk, expected risk, which we distinguish as risk. The focus of the world of insurance is the risks associated with losses both in the form of material and in the form of loss of production opportunities due to severe illness. Judging from the uncertainty, the risk of bringing the similarity with the word fortune that according to the belief of the people of Indonesia, only God knows with certainty the amount, time and manner of acquisition. So risk and rizki / fortune have similarities that is uncertainty, but both are different connotations. The risk of negative connotation (not expected), while rizki connotes positive (expected). Insurance limits the area to the risk of a negative connotation because it is not expected by anyone, so insurance is not a mechanism for chance, to get "rizki" / fortune.

In every step of our lives, there is always a risk, as small as falling due to tripping gravel to a big one like a traffic accident that can cause death or disability. Fortunately God has given human nature that always avoid the risks. Everyone has his own way of avoiding himself from risks. In general, ways to avoid the risks of life are referred to as risk management grouped into four major groups, discussed below.

Risks are hazards, consequences or consequences that may occur as a result of an ongoing process or future event. In the field of insurance, risk can be interpreted as a state of uncertainty, where in the event of an undesirable circumstance can cause a loss.

a. Health Insurance Risk Management

In the science of risk management or health insurance risk management, we know some techniques that face risks that can occur in all aspects of life. These techniques are:
  • Avoidance of risk (risk avoidance)

If we smoke, there is a risk of lung cancer or heart disease (cardiovascular). One way to avoid the risk of lung disease or heart disease is to avoid the carcinogenic substances (which cause cancer) contained in cigarettes. If we do not want to get an airplane crash, do not ever get on an airplane.

Many people are doing this management technique for big visible risks. Someone will avoid steep mountain climbing without safety equipment, because the risk of falling into the abyss can be seen directly by the eye. But many people do not realize that such risks can appear 20-30 years as is the case with the risk of lung cancer or cardiac abnormalities due to smoking, so the habit is considered not risky or low risk. Awareness about the long-term risks that must be socialized to the community so that they can anticipate it. Not everyone is able to recognize, feel and avoid risk. There is a group that is only able to recognize and feel, but not able to avoid it. Therefore risk management by avoiding is not enough to protect a person against the risk that will occur.
  • Reduce risk (risk reduction)

If risk aversion is not possible, risk management can be done by reducing risk (risk reduction). For example, we make crossing bridges or special crossing lights to reduce the number of people suffering from traffic accidents. Thus, the driver of the vehicle will be careful. Or if there is a pedestrian bridge, then the risk of getting hit by a car will become smaller, but not negate altogether. 

A motorcyclist is required to wear a helmet because no one person can escape one hundred percent of motorcycle accident. If a helmet is used, the severity of risk can be reduced, so that a person can avoid death or concussions that require substantial maintenance costs. Intensive care for 7 (seven) days at the hospital for people with concussion in 2005 this can reach more than Rp 20 million. However, for most motorcyclists, who have never witnessed the magnitude of a concussion and how much it will cost to care for a concussion, are not aware of it. Even if they are wearing helmets, it is often just to avoid the penalty of police traffic violation (ticket) by the police which is actually a small risk (which is only hundreds of thousands of rupiah).
  • Moving risk (risk transfer)

Any good attempt to reduce the risks we have done does not guarantee 100% we will be free from all risks. Therefore we need to protect ourselves with a third layer of risk management that is transferring our risk to the other party. We may transfer all or any portion of the risk to another party (which may be an insurance company, a social security holding body, a government or other similar entity) by paying a premium or contribution either in a certain nominal amount or in a relative amount in the form of a percentage of salary or purchase price (transaction). With this risk management technique, the risk being transferred is only a financial risk, not an entire risk. There are some risks that can not be transferred, such as pain or feelings of loss felt by the sufferer. This is a very fundamental principle in insurance. Most people do not realize that every moment there is a real risk of death and the risk of death that has the potential to cause a lack of funds for his heirs to live daily or to finance children's education can be transferred by buying life insurance. That is why most people in developing countries do not buy life insurance, because many people do not see death as a financial risk to their heirs.

Taking risks (risk asumption)

If risk is inevitable, it is not biased, and can not be transferred due to a person's inability or no company can accept the risk transfer, then the last alternative is to take or accept the risk (as destiny).

b. Form Of Risk

Forms of risk include pure risk, speculative risk, particular risk and fundamental risk.

  • Pure risk is the risk that consequently there are only 2 kinds: loss or break even, for example theft, accident or fire.
  • Speculative risk is a risk that consequently there are 3 kinds: loss, profit or break even, for example gambling.
  • The particular risk is the risk that comes from the individual and the local impact, for example a plane crashed, a car crash and a ship ran aground. Fundamental risks are non-individual risks and their impact is widespread, for example hurricanes, earthquakes and floods.

c. Risks that can be insured

The risk must be pure

According to the nature of the event, the risk may arise really as a coincidence or accidental and may arise because of a speculative act. Pure risk is a risk that is spontaneous, not artificial, unintentional, or sought even inevitable in the short term. The trader has a risk of loss, but the risk of loss can be avoided with good management, careful spending, and so forth. The risk of loss due to a business is a speculative risk that can not be insured. Therefore there is no insurance that offers coverage if a company loses money. A risk that arise due to an act of intent, because they want to get compensation insurance for example, can not be insured. For example, a person has a death insurance of one billion rupiah, may be killed by his heirs in order to get the benefit / insurance insurance of one billion rupiah. Such deliberate deaths can not be borne. A person who deliberately attempts suicide by drinking insect poison and fails so that hospitalization is not entitled to a guarantee of care, because the risk of illness is not a pure risk. An example of a pure risk is cancer. Cancer, which requires long and expensive treatment, is never expected by the sufferer and therefore cancer is a pure risk that can be insured or guaranteed by insurance.

The risk is definitive

Definitive definition means the risk can be determined the event is definite and clear and understood based on evidence of the incident. The risk of illness and death is evidenced by a doctor's certificate. The risk of a traffic accident is evidenced by a police statement. Fire risks are evidenced by official reports and other evidence such as photos of events.

Risks are static

Static sense means the probability of a relative static or constant occurrence without being affected by a country's political and economic changes. This is different from business risk that is dynamic because it is influenced by political and economic stability. Of course, the risk of being really static in the long run is not much. One's risk of cancer or heart failure will be relatively static, not influenced by economic and political circumstances, but in the long run the risk of heart attack is influenced by the state of the economy. In developed countries, which are relatively wealthy and the population tends to consume tasty food with high fat content, shows a higher probability of heart attack compared to poor countries.

The risk of financial impact

Each risk has a financial and non-financial impact. Insurable risk is a risk that has a financial impact, because that can be taken into account is a financial loss.

Risk transfer is done by paying a premium or contribution to an insurance company, which will provide reimbursement if there is a financial impact of a risk that has occurred. A personal accident, for example, has a financial impact in the form of cost of care and or loss of opportunity to earn income. In addition to financial impact, an accident also creates pain and psychological burden if the accident caused death or disability, so the risk caused a big impact. Of all the impacts that occur, only financial risks in the form of maintenance costs and loss of income due to loss of life or disability. The effects of pain and feelings of loss can not be insured because the size is very subjective. Benefits that insurance can offer to reimburse the financial impact are reimbursement of medical and nursing costs (in the form of money or services) or cash in lieu of lost income due to death or disability.

Risk "measurable" or "quantifiable"

Another condition is the amount of financial losses due to these risks can be calculated accurately. If a sick person should be able to explain the location of the disease, the time of the incident, the type of illness, the nursing home (name and location of the hospital), and the costs required for the treatment being undertaken. For example, Mr. Budi suffered a heart attack in Bogor, on 5 September 2006 and was admitted to hospital. Anu in Bogor city. The cost required for Mr. Budi's treatment is Rp. 20 Million. So that can be included in the insurance scheme is only the cost of care. The pain is very difficult to measure, although we have a variety of instruments, because pain is very subjective. The amount of reimbursement of maintenance cost must be agreed by the policyholder and the insurance which is stated in the insurance contract / guarantee / policy. Especially for life insurance, large financial losses due to death are generally offered in certain amounts, considering the difficulty of measuring the huge financial losses due to a death.

The amount is offered by the insurance companies and agreed by the policyholder. The determination of this particular quantity is called quantifiable, which is the basis for calculating the premium to be paid by the policyholder.

He Size of Risk Must Be Large (large)

The degree of risk (severity) is relative and may vary from place to place and from time to time. The risks that an insurance company can afford must meet the size requirements. The risk of hospitalization costs of Rp 5 million can be assessed by the low income but small by those who earn above Rp 50 million per month. An insurance system should carefully assess (assessment) the risk group to be insured.

Health Insurance Risk Factors

The trend of health insurance in the world is to guarantee comprehensive health services because there is a link between risk with small fees and services that require expensive fees. This is Health Insurance Risk Factors. As an example of a dengue case visiting a doctor, the risk of becoming fatal if further treatment is not borne, because there is a possibility that the person does not continue his service because of cost constraints. Thus ensuring comprehensive health care is a combination of risk reduction and risk transfer. Something insurance schemes that bear little risk, for example, only medication at puskesmas-as formerly practiced with a healthy fund scheme or JPKM, does not meet insurance requirements. Therefore, anywhere in the world, such micro insurance models do not have long-term sustainability. Generally such schemes are short-lived and do not get big.

April 30, 2018 No komentar
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Indonesia has some of Insurance type


If you ask, how about private health insurance indonesia, health insurance companies in indonesia, best health insurance indonesia, indonesia healthcare system 2018, health insurance for expats in indonesia, allianz health insurance indonesia, and international health insurance indonesia. The questions have been discussed and answered in previous articles. Please browse other pages.

It has been discussed earlier that insurance is risk management, where a person or a small group of people (called policyholders or policies or participant) transfers the risks they face to an insurer (called an insurance or insurance insurer) by paying a premium (contributions or contribution). If the policyholder or policies or participant is an individual or private or private health insurance). And then he or she will guarantee himself and / or include his family members. In the event that the policyholder or the participant is a small group (eg companies or agency), then that is usually guaranteed members of the group (employees and members of their families). 

With the payment of premium / dues, then any risk of costs incurred due to incidents that occur on the policyholder or participants in accordance with the agreement contained in the agreement / contract will be an insurance liability. Participants included in the list guaranteed in accordance with the terms of the contract or the rule are called the insured. The risks to be assured are called benefit or "benefit" insurance, the scope and the amount of which has been set in advance in the contract or regulation. In health insurance, this benefit is often called a package of benefits because health insurance benefits generally take the form of health services guaranteed by the insurance, while the benefits of life insurance or losses are generally in the form of nominal value of money. Simply insert the definition of insurance can be illustrated with the following illustration or type of insurance in Indonesia.

1. Contract Insurance

The mechanism of insurance is a contractual relationship that governs liabilities and the rights of the parties. Participants are required to pay premiums, and are eligible for benefits insurance, while asuradur are entitled to receive premium and compulsory payments paying the benefit in the form of money directly to the participant or paying the benefit to a third party providing services to the participants, such as a car repair shop or health facility. However, compared to other contractual relationships, insurance contracts have characteristics that are not shared by other contractual relationships. Because of the uniqueness of this insurance contract, then the management or insurance business is set very tight or implemented directly by the government. The characteristics of the insurance contract are as follows:

Conditional

In insurance contracts, new insurance liabilities will occur if a predetermined condition (such as illness or loss of property) occurs in the insured person. If the insured does not experience the incident, then there is no obligation asuradur provide benefits. Such characteristics will not be found in other contracts, such as contracts for the purchase of goods or leases. Therefore, in an insurance contract such as a civil servant's health insurance, an employee who is more than 20 years old never gets sick while he continues to pay contributions (because it is mandatory and directly deducted from his salary), has no right to demand refund contributions. Unlike the old-age savings contract (called Pension Fund Institution-DPLK) in the bank, the savers or their heirs are entitled to recover the money they keep on a regular basis each month at a certain time or after the savers passes away.

Unilateral

In general, the contract is bilateral ie each party has obligations and rights that can be prosecuted if one party does not perform its obligations. In an insurance contract, a party that can be sued for not fulfilling its obligations is the insurers. If the insured does not fulfill his obligations, does not pay a premium for example, he can not be prosecuted, but the rights are automatically lost or the contract automatically disconnected (which in term commercial insurance is called lapse). This unilateral contract is the equivalent (offset) of the conditional nature of the asurasur is not always obliged to pay benefits.

Aleatory

Contracts generally have a balance of economic value between the obligations and rights for the first party or the second party. However, insurance contracts provide much greater value than the obligation of premiums to be paid by participants. For example, a person who becomes a participant of health insurance pays a premium of Rp 250,000 per month. Just four months he paid a premium he had a heart attack and needed surgery that cost (exchange rate) Rp 150 million. Asuradur will provide these benefits, although the premium paid is only Rp. 1 million (4 x Rp 250,000), because in the insurance contract the heart surgery is fully covered. Without contracts are aleatori, it is impossible participants who pay a premium of Rp. 1 million, benefited Rp 150 million. In this case, the participant does not owe Rp 149 million to the insurance company. If he / she stops being a participant after that, the participant has no obligation to pay the premium anymore, otherwise the participant also has no right to benefit again and also will not be required to pay off the Rp. Conversely, a participant or policyholder who has paid a premium of Rp 250,000 per month for 10 years (10x12xRp.250.000 total or Rp 30 million, without interest calculation), but he never gets sick, so never claim insurance benefits. The participant is not entitled at all to the benefit of insurance (accepts rights worth Rp 0 rupiah), because there is no condition that fulfills the contract terms (conditional nature). Asuradur still entitled to receive Rp 30 million (plus interest) without any obligation to pay the insured.

Adhesion

In contractual ties generally both parties have relatively balanced information about the exchange rate and quality of goods or services set forth in the contract. However, on an insurance contract, the participant or policyholder, especially on the individual insurance (private health insurance in Indonesia), does not have information that is balanced with the information that the assurances have. Asuradur knows more about the probability of illness and the medical expenses required to treat the illness, while the participants do not know it well. As a result, it is difficult for participants to assess whether the premiums charged to them are cheap, reasonable, or too expensive. In other words, the participant is in a weak position (ignorance). That is why, in the insurance industry elsewhere in the world, the government always regulates and closely monitors various aspects of the provision of insurance both in terms of warranty package and policy provisions concerning the content, language and even the size of the letters in the policy, and the assurances of insurance that will ensure the participants will receive the right, if the object of insurance occurs. In the world of insurance, such contracts are often referred to as "take it or leave it" contracts.

2. Premium Payments

According to the nature of membership, insurance can be divided into two major groups namely compulsory membership and voluntary. The nature of the membership is related to the obligation to pay a premium that is also compulsory and voluntary (see illustration). Insurance with membership must be called social insurance, while insurance is voluntary membership, classified as commercial insurance because there is no obligation of someone to participate or buy insurance. The buying nature is a voluntary transaction in commerce (commerce). There are many parties in Indonesia who associate social insurance as insurance for the poor (poor) economic community, so that JPKM was initially declared not as commercial insurance. And with the nature of voluntary membership, insurance can already be grouped become commercial insurance.

3. Social Insurance

Many parties in Indonesia have a misconception about insurance social. Most people assume that social insurance is a program insurance for the poor or less able. On various occasions interaction with the community in the health sector, many of which are of the opinion that the Public Health Maintenance Guarantee (JPKM) was introduced Ministry of Health (MOH) is also a guarantee program for the community poor. This may be linked to the JPKM program within the framework of the Social Safety Net (JPSBK) where the MOH provides incentives to organizations in the district called pre-bapel (organizing body) for developing JPKM. This JPSBK program provides Rp 10,000 per year for each poor family (gakin) to pre-bapel totaling 354 in all Indonesia. The funds are used to finance pre-bapel administration of Rp.800, and the rest to finance the health services of the participants they manage. It is expected that after two years of running the program, the pre bapel can make JPKM products and sell them to the community other than gakin. Perhaps with this program then formed the understanding that the JPKM program is a social insurance program. In fact, the concept of JPKM is a concept of commercial insurance based on voluntary membership. Further discussion on this subject is discussed further in commercial insurance articles. 

So, that's article about Type Of Insurance In Indonesia. Thank you to visit. (***)

April 30, 2018 No komentar
Для женщины преимущества овощей moringa для беременных женщин были бы знакомы. Существенное содержание аминокислот в нем очень полезно для развития младенцев в матке, а также полезно для здоровья только матери.

Но знаете ли вы? Листья Moringa можно перерабатывать в травяные чайные напитки?

Эффективность листового чая Moringa как антидиабета, противоракового и поддержания здоровья глаз была доказана многими людьми правдой.

Это благодаря обильному питательному, витаминно-минеральному содержанию.

Как сделать чай кленорского листа также довольно легко. Вы просто варите горсть листьев келора с 3 стаканами воды, затем ждите, пока вода не останется 1 чашка.

Что касается тех из вас, у кого есть проблемы с поиском деревьев Моринга, вы можете легко купить экстракты чистого листа моринга в виде капсул или пакетиков для чая.


Как и травяные чаи из другой листвы, лист чая Moringa производится путем кипячения свежих или сухих листьев.

Как сушеные, так и свежие листовые келоры имеют различные виды питательных веществ, полезных для здоровья.

Сравнение питательных листьев листьев Моринга с другими пищевыми ингредиентами:

  • Витамин C в Moringa оставляет в 7 раз больше, чем цитрусовых
  • Кальций в 4 раза больше молока
  • Витамин А в 4 раза больше, чем морковь
  • Количество железа в 3 раза больше, чем у шпината
  • Калий / калий в 3 раза больше количества бананов
Читайте также:

  • 13 СОВЕТЫ СОХРАНЯТЬ НАШЕ ЗДОРОВЬЕ НАТУРАЛЬНО ЕЖЕДНЕВНО


Поскольку количество орехов больше, чем у других пищевых продуктов, обработанные травы, листья келора в различных продуктах всегда пользуются спросом и пользуются большим спросом у покупателей.

Из листьев этого растения моринга есть травяные чаи, пакетики, экстракты (порошки), капсулы и даже злаки.


Итак, каковы преимущества чая Moringa Leaf для здоровья?

Самый простой и простой способ употребления листьев Moringa в качестве лекарственных трав - это переработать его в чайный напиток. Вот преимущества для здоровья, которые вы получите, выпив чай ​​из келора:

1. Снижение уровня сахара в крови

Преимущества листьев Moringa для диабета подтверждены научными исследованиями колледжа Jhunjhunwala, Мумбаи, Индия.

Согласно исследованию, потребление обработанного листового келора в виде чая или экстракта в виде капсул может значительно снизить уровень глюкозы в крови.

Это объясняется преимуществами, эквивалентными применению препаратов глибенкламида, которые способствуют усилению секреции инсулина бета-клетками поджелудочной железы.

2. Преимущества листьев Моринги для лечения рака

Согласно исследованию, опубликованному в журнале Oncology Letters, экстракты водорастворимого листа Moringa питаются различными видами рака, такими как грудь, легкие и кожа.

Лимонный чай Moringa является источником антиоксидантов, белков, каротиноидов, витамина С, железа, калия и других необходимых питательных веществ. Это вещество обладает способностью предотвращать и убивать раковые клетки, противодействовать свободным радикалам и облегчать воспаление при раке благодаря противовоспалительным свойствам.

3. Преимущества чая Moringa Leaf для беременных женщин

Чайный чай Moringa богат аммиачной кислотой, которая необходима для выращивания плодовых цветов в утробе матери.

Начиная с формирования нервной системы, роста мышц, образования гемоглобина до гормонов и ферментов.

В дополнение к питьевой воде отварной лист Moringa также хорошо потребляется кормящими матерями, потому что он может увеличить производство молока, а также улучшить качество грудного молока.

4. Эффективность листового чая Moringa для минус глаз

В 100 г листьев моринга есть 3390 СИ витамина А. Количество намного больше, чем витамин А в моркови.


Другие преимущества питьевого чая Moringa - забота о здоровой коже благодаря витамину С, который синергизирует с минералами калия, хорош для здоровья сердца, контролирует уровень холестерина и артериального давления, снижает уровень мочевой кислоты, предотвращает рост кислоты в желудке, снижает температуру лихорадки и противораковый антивирус или антибактериальный.

Поэтому не удивляйтесь, если у листьев чая Moringa есть полезность для лечения здоровья глаз и облегчения глазной болезни минус.
April 27, 2018 No komentar
Советы, чтобы сохранить наше здоровье Естественно каждый день очень легко привыкнуть каждый день. Все хотели бы жить здоровыми, делая ежедневные занятия с близкими. Здоровая жизнь от себя, насколько велика вы как личность или лидер, если вы не можете вести свое собственное тело, тогда вы еще не достойны быть лидером. Поэтому защита здоровья тела является главным приоритетом. Вот несколько практических советов по внедрению здорового образа жизни:


1. Развернуть питьевую воду


Здоровый образ жизни на самом деле довольно прост, на самом деле не так много людей, которые неохотно пьют воду. Причина, потому что вода не имеет вкуса. Помните, что минеральная вода - лучший напиток из всех напитков, которые мы знаем. Поэтому мы должны ежедневно пить воду по крайней мере 6-8 очков, чтобы защитить здоровье почек и мочевыводящих путей. Мы также можем обеспечить сок апельсинового сока, чтобы помочь удалить токсины в организме



2. Чистота

Чистота является абсолютной для реализации здорового образа жизни. Начиная с ванны 2 раза в день, мыть руки перед едой, держать ванную комнату чистой, чистить зубы, когда вы просыпаетесь и перед сном, чтобы привести в порядок спальню.

Чистота дома в целом всегда может быть размером с владельца. Если все комнаты грязные, то это может быть истолковано как владелец его дома. Читайте также:

3. Дышите свежим воздухом

Вдыхая свежий воздух, мы защищаем здоровье легких. Нам не нужно идти на пляж, горы или сельскую местность, чтобы получить чистый воздух. Такой здоровый образ жизни мы можем делать каждое утро и стараться избегать загрязненного воздуха, например, сигаретного дыма. Кроме того, мы также должны обратить внимание на чистоту домашней обстановки, например, вентиляторы, кондиционеры и другие.

Читайте также:

  • ЭФФЕКТИВНОСТЬ ЧАСТИ МОРИНГА ЛАЙФА ДЛЯ ДИАБЕТ, РАКА И МИНУСА ГЛАЗА


4. Спорт

Не концентрируйтесь слишком много на своей работе. Потратьте минутку на освежение и упражнения. Потому что в дополнение к тренировке мышц, также может уменьшить усталость и избежать стресса. Здоровый образ жизни с упражнениями очень эффективен для всех возрастных групп. От старого до молодого.


5. Развернуть волокно во время завтрака

Достаточное количество клетчатки во время завтрака доставляет полный желудок до обеда. Эти советы можно обмануть, поедая зерновые или овсянку, в сочетании с кусочками фруктов, такими как бананы и клубника. Если зерновые не доступны, хлеб может быть заменой. Выбирайте хлеб из пшеничной муки и подавайте с арахисовым маслом или фруктовым вареньем.


6. Ешьте свежие фрукты

Знаете ли вы, когда потреблять лучшие фрукты? Во время еды в главном меню или перед едой? Когда мы принимаем фрукты после еды, энергия, которая исходит от плода, становится бесполезной, хранится в организме и не используется.


7. Ешьте орехи

Все виды орехов (миндаль, арахис и грецкие орехи) являются источником омега-3 жирных кислот. Омега-3 жирные кислоты - хорошие жирные питательные вещества, необходимые организму. Кроме того, жирные кислоты также могут сделать волосы, кожу и ногти здоровыми.


8. Сон / Отдых

Отдых - это вопрос восстановления свежести тела с расслаблением или сном. Каждый должен установить время для отдыха. Попытайтесь вспомнить, когда люди испытывают боль, тогда, конечно, достаточно отдыха. Если не так? Конечно, болезнь может повториться снова. Другими словами, перерыв является обязательным для нашего здоровья.

9. Сократите количество напитков, содержащих сахар

Попытайтесь уменьшить количество напитков с содержанием сахара, потому что сахар может ускорить последствия старения и ожирения. Это также приводит к накоплению жира в печени. Лучше использовать натуральный подсластитель, такой как пальмовый сахар, чем сахар.

10. Ограничьте жирную пищу, как жареную пищу

Не употребляйте слишком много жареной пищи, потому что она ограничивает питательные вещества, которые содержат жир с высоким содержанием жира и субпродуктами.

11. Создание здоровой окружающей среды

Образцы жизни могут быть сформированы окружающей средой. Если мы хотим изменить здоровый образ жизни, мы должны начать с окружающей среды вокруг нас. Так же, как человек всегда здоров, имея много коллег / соседей, которые готовы посвятить себя здоровому образу жизни.

12. Изменение мышления

Очень простой случай имеет здоровый образ жизни и изменяет мышление, чтобы серьезно способствовать здоровой жизни. Строгая дисциплина применяет принцип практического использования здорового образа жизни в повседневной жизни. Знайте и общайтесь с людьми или фигурами, которые действительно могут служить примером для пробуждения важности здорового образа жизни.

13. Положительное мышление и избегайте стресса

Всегда думать положительно может сделать вас счастливыми и осознать постоянное духовное здоровье. Подумайте заранее, будьте оптимистами и не забывайте быть благодарными за благословения Бога. Добро пожаловать завтра.

Это советы, чтобы сохранить наше здоровье естественно каждый день . Практика с этого момента.
April 27, 2018 No komentar
Health insurance is now no longer a strange expense for the Indonesian people, and health insurance benefits have been proven, but the sundries of buying and using insurance services are still a financial dilemma for many. Paying insurance premiums is a significant expense for some people, so many are still thinking about the advantages and disadvantages of buying insurance.

Since insurance is a financial services product, there are aspects of the advantages and disadvantages to think about, especially if you have to strictly manage your budget. Advantages and disadvantages of health insurance should be part of routine financial planning, primarily because the benefits should be tailored to the price and type of protection.

Disadvantages and Advantages of Health Insurance

The best way to decide whether or not to buy health insurance is to look at the profit and loss. Here are some benefits of buying health insurance (apart from life insurance):

  • Health insurance has more specific protection options from life insurance with additional protection, but at a cheaper price.
  • Health insurance has a choice of inpatient, outpatient, critical illness, even dental care and various types of specific therapy. You do not have to worry about lack of money when sick and have to accept expensive procedures.
  • Health insurance can be a means of investment (if the company provides insurance options with investment), so if not used, you can take cash benefits.


Health insurance is a safety net that gives you a sense of security, because you know there will be help when you are sick and have to undergo a procedure or be hospitalized. However, although the benefits of health insurance are clear, there are some disadvantages of buying health insurance services:

  • The premium cost can be quite large, especially if you bear someone else in the policy (eg wife and child). You obviously can not just pay the basic premium if you want more protection.
  • Not all insurance companies provide health insurance plus investment options. This option is usually given on life insurance, so if you do not use health insurance for a long time, you do not get the benefits of cash.
  • Some procedures may not be covered by the insurance company, but it could be the procedure you need, so your insurance is in vain.


By looking at all these considerations, you can find out whether the decision to buy health insurance is the best option or not.

Benefits of Health Insurance for the Company

If you own the company, providing health insurance for employees is no longer an option. In addition to meeting government regulations on health insurance for employees, the benefits of health insurance for companies are financial assistance when companies have to guarantee employees who have an accident at work, especially if the employee's employment is a big risk.

In addition, the quality of health insurance provided by the company is now one of the considerations of prospective employees in finding a job. You will win employee loyalty if you have health insurance for employees. If you are an employee, taking a health insurance service provided by a company is a distinct advantage. The company pays most of the premiums for various health and maintenance procedures, so you are much more relieved in terms of health care and protection.

You can also choose the preferred type of hospital, as long as the hospital is registered. The benefits of health insurance can far exceed the losses and expenses you should bear, provided you choose the type of insurance that suits your needs and family.
April 27, 2018 No komentar
How Does Health Insurance Company Work? Every company must have its own way of working. So is the health insurance company. This way of working is closely related to the service or service that will be provided to its customers. This way of working should be completely understood so that you can join the insurance company and get the benefits of insurance as expected. In this post you will get an explanation of how the health insurance works, especially those in Indonesia.


How to apply for the policy

First, the way health insurance works related to policy submission. What is a policy? Policy is a document agreement in writing by the company (insurer) with insurance customers (the insured). 

If you submit a new policy to the health insurance company, then the company will immediately verify the submission by conducting a valuation process in advance known as underwriting. Underwriting is very important to be done by insurance companies in order to know whether the proposed policy is eligible for insured or not.

Medical history

On the other hand, you as an applicant should also speak the way it is when interviewed by the company related history or your medical history in the past because the insurer will not grant a claim if you have a historical disease. Honesty is the key when you are interviewed. Moreover, not only the interview to the applicant, usually the company will crosscheck to a third party to ascertain whether all data has been submitted is correct or not. After crosscheck and the data you provide is suitable, then the company will immediately lift you to become a customer of the health insurance company.

Customer claims

Second, the way health insurance works relate to claims filed by customers. Any claim submitted will not be directly addressed by the insurer because it will be based on predetermined terms or conditions. Of course it is already stipulated in the insurance policy when you register yourself as an insurance customer. Provision or a number of provisions in the policy is intentionally made so that one of the parties both from the viewer and the insured person is not harmed. Claims in accordance with the provisions, then most likely will be in the ACC by the company, but if you make up or even make fraudulent attempts; then get ready as you will be charged at the green table.

Government Validation

The workings of health insurance are also strongly related to the validity of the validation of the government . Every health insurance company either local or coming from abroad is required to perform the validation process first.. Insurance companies that have been strictly validated by the government, especially the regulatory authorities have been guaranteed in order to promote a satisfactory service so you will not experience a difficult name or claim claims failed.
April 27, 2018 No komentar
Health insurance does glance seem simple. However, health insurance is actually very important considering health insurance is an insurance product that is specifically dedicated to help our treatment when later we still do not have funds for our health services.

With health insurance we need not be confused anymore because what we provide already we can claim to get health care in accordance with the agreement in the beginning we make this life insurance insurance.

Health insurance itself is one type of insurance that is rich in benefits in it. When we make an agreement with the health insurance providers there will certainly be many benefits that we achieve. It's just that we also must be careful and appropriate to establish this health insurance cooperation with the insurer. So what are the benefits of health insurance and how the strategy in choosing it?

Helps the availability of all medical expenses

This one health insurance is a kind of insurance that will help the issue of availability for all the costs of physicians, medicines, hospitalization, as well as surgery performed. In general, this type of treatment or program is available outpatient benefits, inpatient benefits, labor benefits and dental benefits that you will get by following the procedural of a health insurance.

Read Also :
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  • How Does Health Insurance Company Work

Providing benefits of inpatient

The benefits of hospitalization this one will also be enjoyed by all participants of health insurance which also includes the cost of the hospital, laboratory costs, delivery costs, emergency costs and so forth. The benefits of dental treatment itself also consists of prevention, basic dental care, complex dental care and also about the installation of dentures.

Giving outpatient benefits

The benefits of this one is a benefit that also includes the burden of consulting a general practitioner or a specialist, prescription drugs, the cost of preventive measures and also all the cost of equipment - aids that are highly recommended by doctors. For health insurance procedures that do provide outpatient benefits (own outpatient) actually has a maximum limit of use of funds in each year which is very possible for you with this health insurance.

If we look at it now there are so many insurance companies that are growing and standing. Of course this also needs a step and a wise strategy in its development. Some tips on choosing health insurance include:

  • Choose an insurance company that this company has a track record that can be trusted with excellent products and services. You can check about all of this on the internet or various media.
  • Pay close attention and also you can compare the benefits and premiums to be paid, and it is recommended that you choose products that suit your needs as well as your abilities.
  • Learn first what services they offer and what benefits you can get. Read through chapters given in detail as they will often include unclear terms with biased meanings.
  • Choose an insurance product based on the economic value of the replacement if you later also need a fee for treatment and not because of its premium value.
  • Follow the health insurance program collectively because the premium paid will be much cheaper.

That's a bit of information for you about Health Insurance Benefits And Strategies to Choose It. Hopefully be useful information.
April 27, 2018 No komentar
<img src='https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhwsDq2Z88zxUsOIRohD43Q23APaHLQ4kJbZThKHWvUp_jEed2cjD4FAfDzqWQtbGwIGbJwYOEaF0cstuzy3ZRX5ZWBCMO5IZ7m7Dm9YA-ARq1MIjA0seEcXiqUFABxSoOOQtWZmPDb9RM/s1600/INSURANCE+POLICY.jpg' width='100' height='100' alt='Protect Yourself With Individual Health Insurance'/>
From now, Protect Yourself With Individual Health Insurance

Individual health insurance is one of the insurance products that are often offered by insurance companies. Actually there are many types of insurance that are often offered by many insurance companies is either large or small companies. Some of them are vehicle insurance, health education and some other types. And health insurance products for individuals is one type of insurance that is often the choice and offered.

Actually this is one of the most perceived insurance products and is perfect for you who want to protect yourself especially if you are not married. For those of you who have a family can also do an individual health insurance plan for your wife and also your child. Actually there are many benefits that you can get by using this insurance product and of course before you have this insurance it's good for you to find out there are actually benefits that you can get from this individual healthcare product insurance.

Read Also : 

  • What Is The Difference Between Individual And Group Health Insurance?
  • Medical Insurance Plans For Individuals And Group

The Benefits of Individual Health Insurance


In general, for this individual health insurance product can provide a protection for you in fulfilling the costs in your health heresy throughout your life. Some even reach the age of 99 years. Because you basically really need this cost because you will never know when you will experience pain and will experience all the possible calamities that ultimately make you have to lie in the hospital to get treatment.

This insurance will also make you more secure and become much more calm psychologically and financially. Because you no longer have to worry about the amount of fees you have to pay if you are hospitalized if you already have this health insurance policy. Almost every company will usually provide many different personal health insurance services and benefits. But in general there are some costs that the bases will be met by the insurance company. Among others are :
  • The cost of daily hospitalized treatment is your reference
  • The cost of hospitalization for a serious and chronic illness
  • Fees for special indoor treatment
  • Costs for surgery and surgery
  • The fee for consulting and also checking the doctor
  • Charge to pay for an ambulance
  • The cost of carrying out a drug from a doctor at all pharmacies
  • With all these benefits, of course, will greatly benefit you as you will get a replacement fee for all the above checks. But of course almost all insurance companies will provide different terms and conditions, It's good for you to do comparison to some insurance first. You do not even need to choose an insurance company that offers a very attractive and with a very unreasonable payment

Entry Requirements Registration of individual health insurance


For that it is very important if you are really very selective in choosing an insurance company that already has a very good reputation and also has to offer a very easy terms. There are several conditions that should generally be met and should be completed at the time of submission to individual health insurance. For those of you who are interested in doing individual health insurance. So here are some requirements that you can usually submit to the party of the insurance company.

  • If you want to get an individual health insurance then the age to register at least is 18 years until reaching the age of 55 years
  • You will also make a payment preview from the time you register for insurance until you reach the age of 70 years
  • You can also method in this premium pembarayan according to your ability. For example is by monthly or quarterly and do the method of payment per semesteran or can also make payments in annual time
  • Furthermore after knowing this requirement you can make to register directly to the staff or can also the agent of the insurance company you have selected first be your choice to register. You should also consult your health, history in your health and many others. There are some insurance companies that will usually advise to conduct a general check-up process or conduct a thorough medical examination in advance as one of the requirements to be able to get individual health insurance.
After knowing the terms and benefits of this individual health insurance which is one of your considerations, it is better to immediately make health insurance individually. The goal is to protect yourself in everything that could possibly happen.
April 24, 2018 No komentar
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      • How Does Health Insurance Company Work
      • Health Insurance Benefits And Strategies to Choose It
      • Protect Yourself With Individual Health Insurance
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