7 Tips to Minimize The Effect of Hot Weather On Health

27 Feb 2015

1. Don’t wait until you thirsty to drink. Drink more water even you don’t feel thirsty.

2. Avoid or limit outdoor activities. If you have to, please using umbrella or cap to protect yourself from UV rays.

3. Wear lightweight, light colored and loose fitting outfit.

4. Take an isotonic drinks. It help to replace the  salt and minerals that you lose in sweat.

5. Avoid drink that contain caffeine, alcohol, or high amount of sugar.

6. Avoid exercise in hot day, stay indoor.

7. Take frequent rest

Image source:

http://www.kansascity.com/news/local/v64hyl/picture8546621/ALTERNATES/FREE_960/APTOPIX%20Winter%20Weathe_Schu(1).jpg

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An Anti-Inflammatory Diet For Pain Relief

25 Feb 2015

1. Enough Sleep & Avoid Stress
  • It is important for a person to get quality sleep at least  7-8 hours a daily. If you can’t manage your stress well, it will lead you to depression. Stress triggers inflamation! Some research suggest that inflammation can play significant role in the development of depression.

2. Supplements
  • Supplements and vitamins also play an important towards your body because it can help to fight inflammation throughout your body. Supplement and vitamins that should try is Omega-3 fatty acids, fish oil and vitamin b complex. 

3. Avoid Process Food
  • Usually people more prefer to choose fast food or process food as their daily meal because most people prefer to stick with the faster option. However it is, you need minimize your consumption of processed foods and fast food.

4. Herbs & Spices
  • Include herbs and spices in your daily meal. Spice it up! Ginger, garlic, turmeric, curry powder and others spices can have an anti-inflammatory outcome.

5. Fruits & Vegetables
  • The most important is whether you like it or not you have to eat plenty of antioxidant-rich fruits and vegetables. It helps your body to fight free radicals that can stimulate inflammatory.


Image source:
http://www.drweil.com/ecs/images/anti-inflammatory-food-pyramid.jpg

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Mengapa Anda Perlu Insurans Perjalanan?

25 Feb 2015

Pernah atau tidak terlintas difikiran anda soal keselamatan diri atau sakit yang bakal menimpa diri sewaktu anda memulakan perjalanan ke luar atau dalam negara, sama ada untuk bercuti atau atas urusan kerja.

Oleh seba itu, insurans perjalanan adalah penting dan diperlukan demi melindungi diri anda daripada risiko yang tidak dijangka seperti kemalangan, sakit, kecederaan, kehilangan bagasi, penangguhan penerbangan atau bagasi, kehilangan dokumen perjalanan dan pembatalan penerbangan. 

Insurans perjalanan juga penting buat anda yang kerap mengembara di dalam atau di luar negara supaya anda tidak lagi bimbang soal kebajikan diri. Tidakkah anda berasa lebih selamat dan terjamin walaupun anda berada jauh beribu batu jauh dari rumah anda.

Malah anda juga boleh memilih polisi tahunan jangka panjang jika anda sering membuat perjalanan. Di mana menerusi insurans perjalanan, perlindungan biasanya akan diberikan terhadap sebarang perkara yang berlaku di luar jangkaan seperti kemalangan diri, kemalangan maut, hilang keupayaan, kelewatan atau hilang bagasi, hilang dokumen perjalanan, perbelanjaan perubatan dan penghantaran pulang jenazah.  

Walau bagaimanapun anda perlu terlebih dahulu tahu dan memahami bahawa insurans perjalanan adalah bukan suatu bentuk pelaburan namun ianya adalah suatu biaya. Ini bermakna jika tidak ada perkara atau sebarang masalah berlaku ke atas diri anda maka duit tidak akan dikembalikan.

Apapun perlu diingat setiap polisi insurans akan menetapkan syarat-syarat dan peraturan yang perlu dipatuhi oleh setiap pemegang polisi. Malah, tuntutan pampasan juga perlu mengikut syarat dan peraturan yang telah ditetapkan.

Oleh yang demikian amat penting bagi anda yang ingin membeli perlindungan insurans supaya baca terlebih dahulu kandungan manfaat polisi serta syarat-syarat dan peraturan-peraturan yang termaktub supaya tidak akan timbul sebarang masalah sewaktu membuat tuntutan pampasan kelak. 

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Personal Accident Insurance: Occupation From All Classes Can Be Protected.

16 Feb 2015

Protect yourself! Great opportunity! Now employees of class 3 also can be protected with personal accident insurance. Occupation Class 3 refers to person engaged either occasionally or generally in manual work which involves in use of tools or machinery. Usually if you look at most of the personal accident insurance in mass market they only protects occupation that belong to the class 1 and 2.

Introducing Golden Protection, personal insurance Underwritten by Asia Specialty Insurance Limited which specially designed for all classes of occupation. This policy provides compensation up to USD 30,000 in the event of accidental death or permanent disablement due to accident. 

It can help mitigate risk associated with working outdoors, and can safeguard your family’s financial future. Besides covering accidents, this policy also covers funeral and repatriation expenses that ensuring your family has one less thing to worry about when the time comes. 

This policy also covers funeral expenses due to accident subject to maximum of USD 600.00 only. Covers repatriation expenses due to accident (i.e. cost transportation of mortal remains to the insured home) subject to  maximum of USD 2,000.00 only.

Personal accident insurance or PA insurance which provides compensations in the event of disability or death caused solely by violent, accidental, external and visible events. This plan provides 24-hour worldwide and protecting you anywhere in the world, any time of the day. 

This type of insurance is suitable if you’re employed or self-employed and want to protect your earnings or if you want to have additional financial protection in the event of an accident. 
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6 Cara Mudah Urus Kewangan Anda

12 Feb 2015
Apabila tiba hujung bulan ramai antara kita sering mengalami masalah untuk mengurus pendapatan secara bijak. Ini kerana, ada yang sering kali terlebih belanja hingga terguna pakai duit yang sepatutnya dikeluarkan untuk  membayar komitmen bulanan. Hal ini pasti sering kali terjadi kepada ramai orang di luar sana bukan?



Memikirkan komitmen atau hutang bulanan tetap yang banyak perlu dibayar seperti rumah, kereta, bil telefon, pinjaman pendidikan, duit makan, minyak, tol, dan parking. Selepas ditolak segala komitmen atau kata nama lainnya hutang, akhirnya yang tinggal hanya suku daripada gaji.

Persoalannya bagaimana untuk menyimpan? Adakah bekerja hanya untuk membayar hutang bulanan semata dan tidak perlu berhibur, berbelanja membeli pakaian baru sebagai terapi atau ganjaran buat diri sendiri setelah sebulan penat bekerja. Masalah ini pasti sering membelenggu golongan muda yang baru memulakan kehidupan dalam bidang pekerjaan.

Masalah kewangan boleh menimpa sesiapa sahaja. Tidak kira mereka daripada golongan sederhana mahupun kaya. Sesiapa sahaja mempunyai risiko untuk dibebani hutang jika tidak tahu menguruskan kewangan secara berhemah. Namun melalui pengurusan kewangan yang bijak anda pasti mampu merancang pendapatan dengan baik.

Berikut 6 tip yang  boleh dijadikan panduan dalam mengurus kewangan anda secara berhemah:

1. Setiap kali terima gaji bulanan, pastikan anda mengasingkan sejumlah wang sekurang-kurangnya 10% untuk dijadikan simpanan.

2. Utamakan keperluan berbanding kehendak diri. Jelaskan segala komitmen bulanan seperti kereta, rumah dan bil-bil bulanan terlebih dahulu. Kemudian baharu memasang niat untuk berbelanja ke arah memenuhi kehendak diri.

3. Belanja mengikut kemampuan, elakkan berhutang untuk barang yang bukan menjadi keperluan. Kecuali untuk membeli barang yang tidak mampu dibeli secara tunai seperti kereta dan rumah.

4. Cuba sedaya upaya elakkan penggunaan kad kredit. Ini kerana kesan berbelanja menggunakan kad kredit hanya mengakibatkan anda sukar untuk mengawal perbelanjaan dan akhirnya menambah hutang sedia ada.

5. Wujudkan akaun simpanan yang tidak menggunakan kad ATM supaya mengelakkan anda  mengeluarkan wang sesuka hati. Pengeluaran wang akan dilakukan diwaktu kecemasan.

6. Kehidupan sesuatu yang tidak terjangka. Malang juga tidak berbau. Pastikan anda telah memperuntukkan wang untuk melindungi diri anda dan keluarga dengan insurans yang sesuai.

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Lack of Awareness About The Importance of Insurance

11 Feb 2015

Most of people in community has lack of awareness towards the importance of insurance protections. Their common perception to think that insurance is not important and just a burden to their current commitment. So, why should increase monthly commitment when employer already provided basic insurance protection to every employees? Why should worry?

If that is kind of perception, they might not have think of long term impact could happened someday. Just like they never thought of the risks could effect to daily routine when something happened. Maybe today is another ordinary day, but we never knew what would happened tomorrow.

It is hard to predict what will happen, we could not foresee when will road accident, illness or disableness would impact ourselves or our family members.

A quote saying, save for a rainy day. Therefore, every individual need to make early preparation or "Back Up Plan" to face unpredicted critical moment. Are we realised that we are facing accident risks in our journey to work and home?

As reported by the Utusan Malaysia, there is about 20,225 case road accident in on and off duty traffic happened from January till September 2013. Motorist has tooks 85% of recorded accident, and most of them were under 40-year-old.

If the accident risks from on and off duty is increasing, while motorist became majority victims of the incident, are they have any life and accident insurance protection in person?

Yes, they were protected by the insurance from employer but is it sufficient to support cost of living when someone became disable which caused by accident, and still have four children still studying in school, monthly commitment and medical treatment costs? The loss of income could be main burden to continue daily life.

In such a desperate and critical situation, perception of insurance is not important will indirectly changed to how important of basic insurance coverage. At least, it could help decrease suffer in paying medical cost after accident. Do not only depend on employment insurance, personal saving, EPF and pension fund from Perkeso.  

That's why every individual should have awareness to find alternative way by preparing their long term financial protection for critical moment, because of that it is important to give protection to oneself and loved ones through insurance. In fact, prepare for the worst and don't regret after something bad happened. This is because, prevention is better than cure. 

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Awas! Kasus Demam Berdarah Dengue Makin Meningkat

10 Feb 2015


Akhir Januari 2015 hingga saat ini, kasus DBD makin menjadi, hampir semua wilayah Indonesia terjangkit penyakit mematikan ini. Contohnya saja rumah sakit Cibabat yang telah kewalahan menerima banyaknya pasien hingga awal februari. Begitupun daerah lain seperti Denpasar, Yogyakarta, Surabaya dan hampir seluruh penjuru bagian Indonesia.

DBD adalah penyakit yang mudah menular dari orang ke orang melalui perantara gigitan nyamuk Aedes aegypti yang menyebar hampir di seluruh pelosok Indonesia, kecuali tempat tinggal dengan ketinggian lebih dari 1.000 meter di atas permukaan laut. Nyamuk itu sangat mudah bereproduksi sehingga kasus DBD sering terjadi di sebuah populasi penduduk yang padat.

Tahun 2014 hingga pertengahan Desember, tercatat penderita DBD di 34 provinsi di Indonesia ada 71.668 orang. Sebanyak 641 di antaranya meninggal. Angka itu lebih rendah dibandingkan pada 2013 dengan jumlah penderita 112.511 orang dan jumlah kasus meninggal 871 orang.

Nyamuk malaria ataupun nyamuk pembawa virus Dengue mampu beradaptasi dengan baik dengan segala cuaca, sehingga tak heran nyamuk pembawa virus mematikan ini terus bertahan dan berkembang hingga tersebar luas keseluruh penjuru dunia bukan hanya dibagian tropis bumi saja mereka betah hidup namun juga di daerah empat musim sekalipun seperti Amerika.

Studi terbaru yang dirilis biomedcentral.com, memperkirakan bahwa 3,6 miliar orang berisiko, dengan lebih dari 230 juta orang infeksi, jutaan kasus demam berdarah, lebih dari 2 juta kasus dengan penyakit berat, dan 21.000 kematian. 

Sebuah peningkatan 30 kali lipat dalam jumlah kasus demam berdarah selama 50 tahun terakhir telah direkam dengan hampir 119 negara endemis dengue. Sebagai bagian dari perubahan iklim global, dimana suhu telah meningkat rata-rata global 0,75 ° C selama 100 tahun terakhir.

Udara panas dan lembab, paling cocok untuk nyamuk malaria (Anopheles), dan nyamuk demam berdarah (Aedes aegypti). Dulu, jenis kedua nyamuk penebar maut ini lebih sering muncul di musim pancaroba, transisi antara musim hujan dan kemarau.

Kini rentang waktu serangan kedua serangga itu hampir di sepanjang tahun. Udara panas dan lembab berlangsung sepanjang tahun, ditambah dengan sanitasi buruk yang selalu menyediakan genangan air bening untuk mereka bertelur. Maka, kini virus malaria yang dibawa Anopheles dan virus dengue yang dibawa nyamuk Aedes aegypti dapat menyerang sewaktu-waktu secara ganas.

Lalu apa yang bisa dilakukan kerana masih belum terlewat untuk memberikan perlindungan bagi anda dan keluarga dari resiko akibat penyakit Demam Berdarah Dengue dengan berbagai pilihan premi yang terjangkau oleh Produk Ansuransi Demam Berdarahku mulai Rp 100,000-/tahun.

Dapatkan Penawaran Ansuransi Di: 


https://www.easicircle.com/id/products/insurance-plan.aspx?PlanCode=ELIDBD


Sumber artikel: 

http://sinarharapan.co/sehat/read/150113061/awas-dbd-pada-januari-2015
http://www.gomuda.com/2015/02/akibat-perubahan-iklim-demam-berdarah.html

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Why You Need Personal Accident Policy?

9 Feb 2015

Being a victim of an accident can be terrible enough and you need to worry about the financial implications of an accident. Most accidents can be caused to human error such negligent driver behaviour and as well as poor road conditions. There are so many road risks you still can do prevention by protecting yourself.

One of the reason that you should protect yourself with personal accident insurance policy it will provide financial support to the policyholder if he or she disabled after an accident. Personal accident schemes also cover the policyholder against death or disability due to an accident. Apart from that, the policy is affordable for everyone because of the low yearly payment.

Accident, illness and hard times can befall anyone, of any age at any time. We are totally cannot predict uncertainty. It can happen anytime and anywhere. So it will be advantage to have personal accident  policy to cover you in the event of accidental death or permanent disablement due to accident almost anywhere in the world.

In the event of your being bedridden and your family rely on you. Definitely peace of mind knowing that your family is protected financially during times of uncertainty become your priority. Can you imagine who will provide for the monthly financial commitments of your family?

So don't you think buying personal accident policy is the best way help you to provide financial backup towards yourself against in any uncertainty event in life. By getting compensation from insurance at least it can help your family alleviate some of the financial stress endured during tough times, like paying for mortgage, medical bills, and other day-to-day expenses. 

For only RM100 per year, getting this policy does not only reflect how sensible you are, but how smart you are too. Confidence knowing that you can plan for your family’s future is one of the peace of mind so that your family is protected financially during times of uncertainty.

Image source:

http://securenow.in/home/images/Calculator-Images/2.Group%20Personal%20Accident/accident-1.png
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5 Tips: Say No To Pimples!

6 Feb 2015

1. Avoid touching your face

Make sure you wash your hand with soap before touching the facial skin. Remember don’t let your hands touch your face very often. Avoid to squeeze a pimple that would spread the bacteria and will cause infection or further more pimples and scarring.

2. Keep your face clean

It is important to wash your face at least twice daily. Washing the face regurlarly to get rid of dirt, oil, dust, makeup and dead skin cells form the surface of your skin. Avoid using your body towel to rinse your face. Always rinse well, dry your face with clean hand towel or tissue.

3. Apply honey

Applying honey on the face helps to prevent pimples as well as a treatment for pimples. Honey is natural antiseptic will help your acne from bacterial problems. However if your acne trigger form your hormones changing or any irritation causes of acne. Then honey maybe won’t do much help at all.

4. Eat healthy

Somehow the way you eat also give impact towards your skin. Eat well, it’s about developing well balanced diet. Reduce oily foods and junk food. Include more fruits and vegetables in your diet. The most important is drink a lots of water, at least 2 litre a day that help to detox your body and clean your skin. 

5. Avoid Stress

You need to know how to manage your stress well because stress can cause an inflammatory response in the body.  Stress does not directly cause acne but usually skin breaks out in times of emotional stress. While stress your skin will breaks out and can cause the walls of these pores to break. It may worsen the skin disease.

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5 Sebab Mengapa Anda Perlu Insurans Kemalangan Peribadi?

5 Feb 2015

1. Kemalangan tidak dapat dijangka

Adakah anda perlu untuk membeli insurans kemalangan peribadi? Ya, kerana kemalangan adalah kejadian yang tidak terjangka. Risiko kemalangan itu pasti ada terutama sekali bagi pengguna jalan raya seperti penunggang motosikal yang lebih terdedah kepada bahaya kemalangan. 

2. Melindungi diri dan keluarga

Jika berlaku sesuatu kemalangan yang boleh mengakibatkan anda hilang upaya atau maut. Pampasan insurans akan diberikan kepada waris yang sedikit sebanyak boleh membantu kos rawatan dan perbelanjaan harian di saat anda tidak lagi mampu bekerja kerana hilang upaya akibat kemalangan. 

3. Polisi mampu milik

Graduan atau golongan muda yang baru memulakan pekerjaan juga mampu untuk melindungi diri dengan polisi insurans kemalangan peribadi. Ini kerana premium polisi insurans kemalangan peribadi dibayar dan diperbaharui secara tahunan. 

4. Kes kemalangan jalan raya meningkat

Hampir setiap hari kes kemalangan jalan raya dilaporkan melibatkan pengguna jalan raya. Sesungguhnya kemalangan tidak dapat dijangka. Kesimpulannya mengambil langkah pencegahan dalam melindungi diri dan insan tersayang adalah salah satu cara terbaik bagi menjamin kesejahteraan minda. 

5. Pampasan insurans mengurangkan beban kewangan 

Sekurang-kurangnya pampasan dari pihak inusrans yang diterima sedikit sebanyak dapat membantu meringankan beban kewangan yang perlu ditanggung keluarga sekiranya anda sebagai tunggak pencari rezeki hilang upaya atau maut akibat kemalangan. 

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