When people get old and get retired, then most of the times they got nothing to do with the time available to them.
This results in the frustration and depression and which causes the mental an the physical illness.
This is the time where need to be cared more but ironically the youngsters don't have enough time to spend with their elders.
This problem of yours is being solved by the many home care facilities and the care centers for the elders.
The senior care could be best done if you know about what the needs of your loved ones are in the part of their age.
For the further planning you need to make a list of their requirement first.
There are two types of the elderly care.
The first one is senior care centers and the second one is home care facilities.
If one has to choose the elder care center, then some things should be kept in mind.
1. The senior care center you are selecting should be having the government registration.
2. The owners and the workers of the centers must have expertise in their field.
3. The caretakers should be treated with the smile and the friendly attitude by the caregivers.
4. There must be appropriate number of staff as compared to the residents.
5. The staff members and the resident should be of same language or should understand the language of each other.
6. The care givers should spend the sufficient time with the people.
7. The senior care centers should have the clean, hygienic and the friendly environment.
8. Do the elders could keep their pets in the elderly care center as many of the elders are too much attached with them.
9. You must see that either the smoking allowed by the center authority or not as many of the elders love to smoke.
10. There must be a proper security arrangement in the center.
11. For the worshipping in the church and going for the part; so is there any transport facility in senior care center or not.
12. The elders are spending the money and do that money is being managed by the care givers or not.
13. The daily living activities of the elders like toileting, bathing or doctor's appointment is being facilitated by the staff members or not.
14. The caregivers should fill the prescription and should remind the medicine to the elders.
15. The senior care centers should keep a good care of your elders and in the case of the food as well and they must provide the food according to the taste of your loved ones.
The elders who would have to live there should be the part of the discussion about the selection of the center.
If they are in need of the anything else then it must be arranged for them.
Nothing could be comparable with the facilities we enjoy at home but still we can try our best to provide maximum to our elders.
Your elders would be enjoying the non-medical service just by sitt8ing at the home if you select the home care.
senior care center should not be selected by the elders who want to stay at home but also want to enjoy the service as the right choice which could give them these two is the home care.
And this is because of the selection of the elders for the assistance in the daily activities like bathing, dressing and meal preparation.
Some also want the company and the emotional support and some assistance in paying bills and transportation as well.
The time span of the assistance depend upon our elders.
The charges of the home care are basic thing as it sometimes determine the selection.
Wednesday, August 29, 2012
Insurance cover for OPD
Those spending a fortune on the treatment of some chronic diseases but not getting insurance benefits because their treatment does not require hospitalisation will now have something to cheer.
Health insurance plans, which until now covered expenses only if the insured is hospitalised, will soon include outdoor patient department (OPD) benefits and dental care in their ambit. The inclusion of OPD benefits imply that the insured need not be hospitalised to seek insurance benefits.Typically, health insurance plans cover treatment expenses when the insured is hospitalised for more than 24 hours.But, some of the insurance companies like Bajaj Allianz General Insurance and Max Bupa are planning to provide such services in the wake of the government’s directive to make insurance sector more attractive to consumers. Sources from these companies said an inclusive health care plan with OPD cover will likely be in the market by the year-end.With a few exceptions, Indian insurance companies have products without OPD cover. A handful of those providing OPD cover charge additional premium.“The objective of this policy is to provide the policy holders with maximum insurance benefit under the policy.The new plan will covers all OPD expenses like consultation with the doctor, pathological tests and medicines,” said Anand Nandan, head of the health segment in Bajaj Allianz.In recent times, there is an increase in the number of dialysis patients and those down with arthroscopy, who do not need hospitalisation for more than 24 hours, but incur huge medical expenses and the insurance cover can benefit them.Women with complicated deliveries also need a series of pre-natal tests and medication, which have resulted in higher childbirth expenses. Health insurance with OPD cover is thus beneficial for women during pregnancy and childbirth.Some non-life insurance companies are in the process of launching retail health insurance policies that cover alternative forms of treatments, while several insurers, which already cover such treatments, are in the process of increasing the limits.The country’s largest general insurer, New India Assurance, which covers alternative treatments up to 25 per cent of the sum insured, has already filed a product with the regulator, the Insurance Regulatory and Development Authority (IRDA), with higher limits.ICICI Lombard General Insurance, the largest private insurer, too has filed for approval of a product with Irda that will provide OPD coverage under alternative treatments, but without hospitalisation benefit.Alternative treatments referred to as Ayush (Ayurveda, Unani, Siddha, and homeopathy) is so far offered by a mere seven non-life insurers out of 24 companies with limits and conditions. The insurers that cover hospitalisation under alternative treatments are New India Assurance, United India, Oriental Insurance, National Insurance, Tata AIG, HDFC Ergo General and Cholamandalam General Insurance.
Health insurance plans, which until now covered expenses only if the insured is hospitalised, will soon include outdoor patient department (OPD) benefits and dental care in their ambit. The inclusion of OPD benefits imply that the insured need not be hospitalised to seek insurance benefits.Typically, health insurance plans cover treatment expenses when the insured is hospitalised for more than 24 hours.But, some of the insurance companies like Bajaj Allianz General Insurance and Max Bupa are planning to provide such services in the wake of the government’s directive to make insurance sector more attractive to consumers. Sources from these companies said an inclusive health care plan with OPD cover will likely be in the market by the year-end.With a few exceptions, Indian insurance companies have products without OPD cover. A handful of those providing OPD cover charge additional premium.“The objective of this policy is to provide the policy holders with maximum insurance benefit under the policy.The new plan will covers all OPD expenses like consultation with the doctor, pathological tests and medicines,” said Anand Nandan, head of the health segment in Bajaj Allianz.In recent times, there is an increase in the number of dialysis patients and those down with arthroscopy, who do not need hospitalisation for more than 24 hours, but incur huge medical expenses and the insurance cover can benefit them.Women with complicated deliveries also need a series of pre-natal tests and medication, which have resulted in higher childbirth expenses. Health insurance with OPD cover is thus beneficial for women during pregnancy and childbirth.Some non-life insurance companies are in the process of launching retail health insurance policies that cover alternative forms of treatments, while several insurers, which already cover such treatments, are in the process of increasing the limits.The country’s largest general insurer, New India Assurance, which covers alternative treatments up to 25 per cent of the sum insured, has already filed a product with the regulator, the Insurance Regulatory and Development Authority (IRDA), with higher limits.ICICI Lombard General Insurance, the largest private insurer, too has filed for approval of a product with Irda that will provide OPD coverage under alternative treatments, but without hospitalisation benefit.Alternative treatments referred to as Ayush (Ayurveda, Unani, Siddha, and homeopathy) is so far offered by a mere seven non-life insurers out of 24 companies with limits and conditions. The insurers that cover hospitalisation under alternative treatments are New India Assurance, United India, Oriental Insurance, National Insurance, Tata AIG, HDFC Ergo General and Cholamandalam General Insurance.
When Nurses Make Mistakes
In the medical profession nowadays, it is more important than ever to take care to avoid mistakes. Nursing errors do not just cost money or interrupt business; they cost lives. All good medical professionals know this. However, sometimes mistakes can happen despite the nurse’s best intentions, leading patients to sue for medical misadventure. Other times, claims are simply made by money-hungry patients or their family members. The value of these claims can be extraordinarily high — too high for a nurse to handle by him or herself. That is where professional indemnity insurance for nurses comes in.
Medical indemnity insurance protects nurses against claims of negligence, board investigations and inquiries, formal complaints dealing with non-medical aspects of the business, and more. There are many different levels of indemnity insurance, so it is important to shop around and ensure that the needs of a particular nurse or practice are met by the insurance policy that is finally purchased. Having too little insurance can be just as disastrous as paying for too much.
Medical indemnity insurance needs to be carried for a certain length of time even after the nurse has retired from practice. This is due to the fact that indemnity insurance is occurrence-based; that is, coverage is for when the claim is made, not when the incident under investigation happened. Claims might be made after the practitioner has retired or otherwise left practice, and if there is no current indemnity policy, the responsibility for the value of the claim rests squarely with the nurse.
While all nurses do their best to protect the lives of their patients, it is inevitable that mistakes will happen. Even if they did not, lawsuits are often filed against perfectly innocent medical practitioners. Professional indemnity insurance for nurses protects them against claims of negligence, whether or not those claims are valid. Having coverage for those kinds of situations is a vital part of being a nurse, and thus professional indemnity insurance is something no nurse can afford to be without.
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