Connect with us

Health

Do Term Plans Have Any Maturity Benefits?

Published

on

Do Term Plans Have Any Maturity Benefits?

Are you the sole breadwinner of the family? Have you ever thought about the financial security of your family members once you are no longer around? How will they manage their day-to-day expenses and achieve their financial objectives? If such questions are giving you nightmares, then it is time that you get yourself insured.

A life insurance policy is one of the best financial products to secure the economic future of your loved ones. Here, the sum assured offered to the nominees can help them in living a financially independent life. Out of the numerous life insurance plans available in the market, it is advisable to invest in a term plan. This policy offers a large sum assured at a budget-friendly premium compared to any other types of life insurance policies.

Traditional term insurance plans only provide a death benefit to the policy’s nominees if something untoward happens to the policyholder. Such policies did not offer any maturity benefit on survival. However, many insurers today after offering term policies with maturity benefits.

Many people were hesitant about buying term insurance plans, as they were afraid of losing the premium if they outlived the policy period. Term insurance with return of premium (TROP) provides maturity benefits to the policyholder who outlives the policy duration. Here, the policyholder receives the premium paid to date back from the insurer in the case of survival. However, the premium of TROP is more than that of a pure term policy. Let us take an example to understand this plan in a better way.

Shekhar is a 30-year-old individual with no smoking or drinking habits. He is planning to buy term insurance online. After doing some research on the Web and using the term plan premium calculator, Shekhar is considering purchasing a TROP with a sum assured of INR 1 crore for 30 years at an annual premium of approximately INR 10,000. If Shekhar dies during the policy tenure, his nominee will get INR 1 crore. However, if he survives this period, then he will receive the total premium paid until the policy duration back from the insurer. Here, Shekhar will receive INR 3 lakh (INR 10,000 X 30 years).

Who should buy a TROP?

Unlike the pure term insurance plans where the buying age is between 18 to 65, here, any person in the age group of 21-55 can invest in a TROP. It does not matter whether you are single or married with kids, as this plan can be beneficial for anyone.

Features of a TROP 

Here are a few highlights of a TROP: 

  • Options in premium payment 

Here, you have the opportunity to opt for the preferred way of paying the premium. You can either pay it as a one-time lump sum or select the regular payment alternative.

  • Tax benefits 

You can claim a tax deduction under Section 80C of the Income Tax Act, 1961 on the premium that you pay for the term policy. Here, the maximum deduction allowed is INR 1.5 lakh per annum. Additionally, the maturity benefit that you will receive is tax-free as per Section 10(10D) of the Act.

  • Surrender value 

If you want to discontinue your TROP, you are entitled to receive a surrender value. However, there are certain conditions to avail of this benefit. Therefore, it is suggested that you consult with your insurer about this.

 Now, when you know why should invest in a TROP, it is suggested that you use a term plan premium calculator and search for a suitable policy according to your requirements.  With offerings like maturity benefit, death benefit, and tax exemptions, a TROP truly stands out!

Continue Reading
Click to comment

Leave a Reply

Your email address will not be published. Required fields are marked *

Education

SGOT Full Form – What is the SGOT Full Form?

Published

on

By

SGOT Full Form – What is the SGOT Full Form?

SGOT full form : सेरम ग्लुटामेट ओक्सालोएस्ट्रांस्फेरेज”। यह एक प्रकार का एंजाइम है जो मुख्य रूप से लीवर और हृदय में पाया जाता है। यह टेस्ट शरीर के इस एंजाइम के स्तर को मापकर, व्यक्ति के लीवर और हृदय की स्वस्थता की जाँच करने के लिए किया जाता है।

डॉक्टर एक व्यक्ति को SGOT टेस्ट करवाने के लिए कह सकते हैं ताकि उन्हें इस एंजाइम के स्तर में किसी बदलाव की जानकारी हो सके, जो विभिन्न लीवर और हृदय रोगों के संकेतों को पहचानने में मदद कर सकता है।

इस लेख के माध्यम से हमने SGOT का पूरा नाम और इस टेस्ट के महत्वपूर्णता के बारे में जानकारी प्रदान की है, ताकि लोग इसे समझ सकें और अपने स्वास्थ्य की देखभाल में सहारा ले सकें।

SGOT Full Form

SGOT का पुरा नाम – SGOT full form

SGOT की full form Serum Glutamic Oxaloacetic Transaminase होती है।

S –  Serum

G – Glutamic

O – Oxaloacetic

T –  Transaminase

SGOT की Pronunciation

Serum – सिरम

Glutamic – ग्लूटामिक

Oxaloacetic – ऑक्सालोएसेटिक

Transaminase – ट्रांसएमिनेस

SGOT क्या होता है ?

SGOT का मतलब सिरम ग्लूटामिक ऑक्सालोएसेटिक ट्रांसएमिनेस होता है। यह एक प्रकार का एंजाइम होता है जो सामान्य रूप से ह्रदय कोशिकाओं और यकृत में मौजूद होता है। जब ह्रदय या liver क्षतिग्रस्त हो जाता है तो ब्लड में SGOT   का flow हो जाता है।

Blood मे serum glutamic oxaloacetic transaminase का level दिल के दौरे या वायरल hepatitis की वजह से बढ़ जाता है या फिर SGOT का स्तर कुछ दवाओं के कारण भी बढ़ सकता है।

SGOT test क्या है ?

SGOT test एक blood test होता है जो liver profile का हिस्सा होता है। यह लीवर में मौजूद दो एंजाइमों में से एक एंजाइम को मापता है और वह एंजाइम SGOT अर्थात Serum Glutamic Oxaloacetic Transaminase होता है।

इस एंजाइम को AST भी कहा जाता है। AST का अर्थ   होता है अस्पार्टेट एमिनोट्रांसफरेज़। SGOT यह मूल्यांकन करता है कि ब्लड में कितना यकृत एंजाइम है।

SGOT test क्यों किया जाता है ?

डॉक्टर SGOT test के द्वारा मुख्य रूप से लीवर की समस्याओं की जांच और आंकलन करते हैं। SGOT Full Form एंजाइम का निर्माण मुख्य रूप से लिवर में होता है। जब भी किसी कारण से लीवर खराब हो जाता है या बीमार हो जाता है तो एसजीओटी लीवर से रक्त प्रवाह में leak हो सकता है। यदि ऐसा होता है तो रक्त में level सामान्य से ज्यादा हो जाएगा।

अगर किसी व्यक्ति को गुर्दे या दिल की बीमारी है तो उस व्यक्ति में SGOT का लेवल विशेष रूप से अधिक हो सकता है। इस chance को कम करने के लिए डॉक्टर उसी समय लिवर एंजाइम की जांच करवाने के लिए कह सकते हैं।

यदि दोनों एंजाइम का लेवल अधिक है तो यह जिगर की समस्या का संकेत हो सकता है। SGOT का स्तर अधिक होने का मतलब इस बात का संकेत भी हो सकता है कि शरीर के किसी अन्य प्रणाली या अंग में समस्या हो।

स्वस्थ SGOT test की range कितनी होती है ?

डॉक्टर निम्न range को सामान्य स्वस्थ SGOT रेंज के रूप में स्वीकार करते हैं :-

पुरुष : – 10 से 40 unit प्रति लीटर

महिलाएं :-  9 से 32 यूनिट प्रति लीटर

SGOT test की आवश्यकता क्यों है ?

ब्लड में इस एंजाइम के level की जांच करने के लिए यह test किया जाता है। इस जांच के द्वारा डॉक्टर को ह्रदय, यकृत, गुर्दे, मांसपेशी आदि की क्षति का निदान करने में मदद मिलती है। आमतौर पर तब यह टेस्ट किया जाता है, जब किसी व्यक्ति में जिगर की क्षति के symptoms होते हैं और यह symptoms निम्न है :-

  • सुजा हुआ पेट
  • पीली त्वचा और आंखें
  • गहरे रंग का मूत्र
  • भूख में कमी
  • पैरों और टखनों में सूजन
  • हल्के रंग का पूप

इसके अलावा डॉक्टर के द्वारा SGOT test तब भी सुझाया जाता है, जब :-

  • व्यक्ति को हेपेटाइटिस वायरस का संक्रमण हो।
  • यदि कोई ऐसी दवा ले रहे हो जो लीवर पर नकारात्मक प्रभाव डाल रही हो।
  • बहुत अधिक शराब का सेवन करते हो।
  • जिगर की बीमारियों का कोई पारिवारिक इतिहास हो।
  • मोटापा या मधुमेह हो।
  • बरामदगी, अग्नाशयशोथ या फिर मांसपेशियों में चोट आदि लगी हो तो ऐसे में डॉक्टर व्यक्ति को एसजीओटी टेस्ट करवाने के लिए कहते हैं।

SGOT test की तैयारी कैसे करे ?

SGOT Full Form टेस्ट एक सामान्य ब्लड टेस्ट है जो तकनीकी रूप से बिना किसी विशेष तैयारी के किया जा सकता है। हालांकि, कुछ कदम हैं जो आप इस टेस्ट को सरल बनाने के लिए उठा सकते हैं, जैसे कि टेस्ट से दो दिन पहले टाइलेनॉल और अन्य कोउंटर दवाओं से बचें।

यदि किसी कारण से ओवर-द-काउंटर दवा की आवश्यकता होती है, तो आपको टेस्ट से पहले डॉक्टर को सूचित करना चाहिए। टेस्ट से पहले, आपको डॉक्टर को उन सभी दवाओं के बारे में सूचित करना अत्यंत महत्वपूर्ण है जो आप ले रहे हैं।

टेस्ट से एक रात पहले, अच्छी तरह से पानी पीना सुनिश्चित करें ताकि आप हाइड्रेट रहें। यह सुनिश्चित करने में मदद करेगा कि आपके रक्त को खींचना आसान हो।

ध्यान रखें कि आपके पहने हुए कपड़े बहुत टाइट नहीं हों, क्योंकि रक्त का सैंपल आपके बाजू से लिया जाता है। इसलिए, आधी कोहनी तक के कपड़े पहनना अधिक सुरक्षित हो सकता है, जिससे टेक्नीशियन को रक्त प्राप्त करना आसान हो।

निष्कर्ष :-

मित्रों, इस लेख में हमने SGOT Full Form का पूरा नाम विस्तार से जानने का प्रयास किया है। urstoryiq.com हम आशा करते हैं कि यह लेख आपके लिए सहायक साबित होगा। यदि इस लेख से संबंधित कोई भी प्रश्न हो, तो कृपया हमें टिप्पणी के माध्यम से बताएं।

यदि आप किसी अन्य विषय पर जानकारी चाहते हैं, तो आप वह भी हमसे कमेंट करके साझा कर सकते हैं। अगर आपको जानकारी पसंद आई हो, तो कृपया इस लेख को अधिक से अधिक साझा करें।

FAQ’S :-

Q1. SGOT test मे sample type क्या रहता है ?

Ans. इसमें blood sample लिया जाता है।

Q2. SGOT test से पहले खाली पेट रहना आवश्यक है ?

Ans. नही

Q3. SGOT test report क्या दर्शाती है ?

Ans. यह liver कोशिकाओं को नुकसान की मात्रा का संकेत देती है।

Q4. क्या SGOT 70 समान्य है ?

Ans. नही, समान्य SGOT 7 - 56 unit प्रति लीटर होता है।

Q5. SGOT के लिए blood sample कैसे लिया जाता है ?

Ans. हाथ की नस से



Check Out :  CR Full Form – What is CR Full Form
Continue Reading

Health

ICU Full Form: Intensive Care Unit

Published

on

By

ICU Full Form: Intensive Care Unit

ICU Full Form The acronym ICU stands for Intensive Care Unit. It refers to a specialized section within a hospital equipped with spacious and intensive-care beds, staffed by a highly trained medical team that monitors patients continuously. The intensive care unit is meticulously designed to deliver the highest level of advanced patient care and is typically reserved for individuals whose medical conditions are critically life-threatening, serving as the ultimate medical intervention within a hospital setting.

ICU Full Form || What is an ICU?

The Intensive Care Unit (ICU) within a hospital typically comprises several rooms featuring beds, an array of medical equipment, and a centralized nurse’s station. This specialized area serves as a critical space where medical professionals, particularly doctors, administer care to patients facing severe health conditions. Notably, individuals in the ICU require continuous monitoring and care, with some necessitating interventions like oxygen support.

Patients in the ICU may encounter critical situations, such as infections, which could escalate their condition, leading to the need for treatments like intravenous antibiotics or surgical procedures. Following the intensive care provided in the ICU, patients undergo recovery and are eventually discharged to the general hospital.

The distinctive feature of an ICU lies in its focus on providing specialized and constant care to critically ill patients, facilitating a quicker and more effective recovery process. What sets ICUs apart across various hospitals is their specialization in treating specific conditions or diseases, ensuring that each ICU unit is tailored to address the unique needs of its patients.

ICU Full Form: Intensive Care Unit

ICU Full Form || ICU and the healthcare system

ICUs pose significant challenges to the healthcare system, contributing to obstacles in delivering high-quality medical services. One major issue stems from the limitations in comprehensive health insurance policies, resulting in inadequate coverage for many of the services offered by ICU facilities. The medical treatments administered in ICUs are often expensive, and an additional premium is incurred for prolonged stays exceeding a day.

These specialized units play a crucial role in providing top-tier care to patients in critical need, involving the management of costly medications and specialized procedures by ICU medical professionals. However, ICU units face budgetary setbacks due to the escalating number of medical patients and the increasing costs associated with their treatment. This has emerged as a substantial challenge within the realm of ICU facilities, impacting their ability to cope with rising demands and expenses.

The full form of ICU || Importance

Uncommon accidents can occur that surpass the capabilities of regular hospitals, necessitating the intervention of specialized units like Intensive Care Units (ICUs). Additionally, ICUs may serve as recovery centers post-surgery. Take, for instance, cardiac procedures, where the typical duration of ICU stay ranges from 2 to 8 days.

ICUs play a vital role in delivering continuous monitoring and specialized care for patients facing critical conditions. This encompasses a spectrum of health challenges, including infections, heart disease, stroke, traumatic brain injury, pneumonia, blood clots, drug overdoses, blood loss, shock, diabetes, and dehydration. These units serve as crucial hubs for managing a diverse range of medical emergencies, ensuring constant attention and specialized care for patients in need.

  • When is an ICU very important or in need? 1- When somebody is critical
  • When somebody is in the hospital or serious condition
  • When someone is sick

Where’s the closest ICU to you? Just imagine what could happen if the wrong antibiotics are given to the wrong patient. That’s the thing about antibiotics.

ICU full form in medical || Key features of an ICU

The ICU stands as the exclusive domain where diverse hospital specialties collaborate to deliver cutting-edge services. Specifically crafted to ensure patient safety, the ICU provides a secure environment, ranging from single-bed setups to facilities with up to 100 beds, offering a spectrum of patient care services. The team of specialized physicians, nurses, and support staff undergo rigorous training to deliver optimal care to patients.

With state-of-the-art equipment, the ICU is well-prepared to handle high-risk patients, providing the best available resources for their care. In regions such as Indiana, it stands out as the premier physical therapy clinic. In the context of Coronary Care, physicians primarily aim to admit patients to the hospital, fostering a healing environment for comprehensive care.

ICU ka full form || What does ICU stand for?

Intensive care involves the implementation of medical procedures and medications aimed at preventing brain damage and specific infections. Typically, a specialized tube is inserted into the patient’s airway to facilitate breathing, effectively draining excess carbon dioxide from the bloodstream and enabling proper respiration.

In addition to airway management, temporary tubes are utilized to extract excess fluid from the lungs. In cases where patients do not respond to treatments or encounter medical complications, doctors may need to replace these tubes. ICU units, commonly situated in hospitals, cater to patients recovering from surgery who require vigilant care but are not slated for overnight stays.

Why are ICUs necessary? || ICU Full Form

The Intensive Care Unit (ICU) provides an exceptional standard of care, particularly for patients grappling with severe injuries or illnesses within the hospital. Given the critical nature of their conditions, these patients require continuous care and vigilant monitoring. The ICU operates with a dedicated team of specialist doctors and nurses who collaborate to deliver comprehensive care simultaneously.

Noteworthy for its specialization, the ICU is regarded as one of the most critical areas within the hospital. Stringent protocols are adhered to, necessitating regular patient status checks every four hours to ensure optimal care. The ICU encompasses various specialized units tailored to different medical needs.

ICU and its patients || full form of ICU

These services aim for a patient’s release from the ICU typically within 6-8 weeks, anticipating a significantly improved condition compared to their initial admission. The ICU comprises diverse staff from various departments, including emergency, critical care, surgical care, ICU anesthesia, and medical personnel. Each team member contributes uniquely to the hospital’s functioning, often with roles that may not be immediately apparent.

Within the medical staff, doctors play a pivotal role in treating patients facing critical illnesses. Their responsibility lies in ensuring the survival of patients diagnosed with severe conditions and monitoring their response to medications. The focus is on guiding patients towards recovery and improved health outcomes.

ICU Full Form || Conclusion

ICUs manifest in diverse configurations, particularly within the emergency department, encompassing both acute and long-term care. The Critical Care Unit (CCU) stands as a distinct hospital division dedicated to the treatment of individuals grappling with life-threatening diseases. The emergency department offers essential life-saving interventions, including medications, advanced medical equipment, and specialized clinicians adept at addressing severe, life-threatening injuries and illnesses.

Check Out :  The NDA Full Form : The abbreviation of NDA (National Defense Academy) is 2

Continue Reading

Health

Why is it important to install health kiosks?

Published

on

health kiosk

Installing health kiosks has become increasingly important in recent years because of the many advantages they provide to patients and healthcare providers alike. This health atm kiosk is important to expand access to healthcare, promote preventative care, and enable people to manage their health. In this post, we are going to tell you about health kiosks and their advantageous effects on the provision of healthcare.

  • Enhance accessibility 

Accessibility is improved for individuals by placing health kiosks in a variety of public locations, including pharmacies, shopping malls, workplaces, and hospitals. Health ATM eliminate location barriers and guarantees that people may quickly obtain basic healthcare services wherever they are by providing easily accessible points of care.

  • Convenience and effectiveness

 Health kiosks provide a quick and effective way to get medical care. They give people the freedom to monitor their vital signs, perform quick health evaluations, and get rapid feedback whenever it’s convenient for them. Because health kiosks are self-service, there is no need to make appointments, stand in line, or spend huge amounts of money.

  • Early Detection and Preventive Care

 For better health outcomes, early Detection and Preventive Care are essential. Individuals can regularly measure health indicators and monitor their vital signs thanks to the health atm kiosk. People can see potential health hazards or variations from normal limits by routinely evaluating variables like blood pressure, heart rate, weight, or BMI. 

Early detection enables people to consult healthcare professionals, seek medical care, adjust their lifestyles as needed, or both. In this way, it encourages preventative care and lowers the risk of more significant health consequences.

  • Empowers the patients toward their health 

The use of health kiosks as a platform for health education and empowerment promotes both. They offer access to tools, videos, and interactive content on numerous health-related topics. 

Health atm kiosks enable people to make informed decisions about their health, adopt healthier habits, and actively participate in maintaining their well-being through encouraging health literacy. This sharing of information encourages a sense of personal ownership and accountability for one’s health.

  • Healthcare Delivery at a Reduced Cost

 Setting up health kiosks can help with healthcare delivery at a reduced cost. Health kiosks relieve pressure on conventional healthcare institutions by offering self-service healthcare options, freeing up resources for more specialized care. 

Additionally, health atm kiosks can aid in the early detection of health problems and reduce the chance of illness that leads to critical treatments for patients. Health kiosks are a valuable addition to healthcare systems because of how reasonably priced they are, especially when it comes to lowering overall healthcare costs and optimizing resources. 

Conclusion

Setting up health kiosks is crucial for expanding access to healthcare, promoting preventative care, and enabling people to take an active role in maintaining their health. These self-service tools facilitate early identification and preventive interventions while improving accessibility, convenience, and time effectiveness.

Additionally, health kiosks help with patient-centered treatment, cost-effective healthcare delivery, and health education.

Continue Reading

Trending