Basically there are two types of critical illness policies. One is reimbursement policy and the other is benefit policy. Reimbursement policy will pay for actual medical expense like a health policy, whereas the benefit policy will pay for entire sum assured as a lumpsum benefit in case of diagnosis of any specified illness. The lumpsum benefit policy is the most commonly available and generally understood as a CI policy in general.
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The presence of gastroesophageal reflux disease (GERD) and/or nasal symptoms is associated with an increase in bronchitis symptoms in patients with chronic obstructive pulmonary disease (COPD), according to the results of a study published in Respiratory Investigation. As a result, extrapulmonary comorbidities should be assessed in patients with COPD and bronchitis.
EPFL scientists have developed new nanotube biosensors using synthetic biology, which improves their sensing capabilities in complex biofluids, such as blood and urine. The study is published in the Journal of Physical Chemistry Letters.
Scientists at the University of Bristol have developed new virtual reality (VR) cloud-based tools to help academics and industry progress new drugs, materials and boost the teaching of chemistry.
Stretching before exercise has no impact on an athlete’s performance on the field, new research from Edith Cowan University has found. But it’s not time to stop stretching completely, with researchers noting it does seem to offer psychological benefits and may help to reduce the risk of injury.
Inflammation plays a key role in improving the ability to relearn motor skills lost as a result of spinal cord injuries, such as grasping objects, new University of Alberta research shows.
Congressional districts with the highest opioid prescribing rates are predominantly concentrated in the southeastern U.S., with other hotspots in Appalachia and the rural west, according to the first study to focus on opioid prescribing rates at the congressional district level. The study will be published online in the American Journal of Public Health.
Black lung on the rise since 2000
This study found the national prevalence of coal worker's pneumoconiosis (black lung) is increasing among working coal miners. In central Appalachia, 20.6% of miners working more than 25 years have black lung disease.
Virginia Commonwealth University researchers have discovered how a pathogen that causes the vector-borne disease scrub typhus infects cells. The finding could lead to methods to treat the disease and conditions such as cancer, autoimmunity, and inflammation, and contribute to greater understanding of infectious disease processes, said Jason Carlyon, professor of microbiology and immunology in the VCU School of Medicine.
In one of the largest studies of its kind, researchers analyzed chikungunya and dengue outbreak data from 76 countries over a period of 50 years, focusing on regions across the Indian Ocean. The analysis of 1959-2009 data revealed that population density and proximity to a country already experiencing an outbreak were the factors most closely associated with a country's own likelihood of experiencing an outbreak.
The air in the United States is much cleaner than even a decade ago. But those improvements have come mainly in summer, the season that used to be the poster child for haze-containing particles that cause asthma, lung cancer, and other illnesses. The study, published in the Proceedings of the National Academy of Sciences, shows that the particles follow different pathways in the winter.
Researchers have reported the results of the first randomized clinical trial to test a novel strategy involving waking up and then killing the 'sleeping' HIV that is hiding in the body using an experimental approach known as 'kick and kill'.