How to Choose a Suitable Personal Accident Insurance?

25 Jun 2014

Personal insurance is much different from other insurance policies. Compare with life insurance, personal accident insurance will not pay compensation to illness and death by natural causes. Most of the personal accident insurance will not protect those who unawareness and purposely exposed themselves into dangerous as well. However, its protection value is higher than general policies by its stricter protection coverage.  

 What You Need to Know Before Buying Personal Accident Insurance?

 Coverage
Is the protection coverage is sufficient for you and your family? You need to understand the coverage scopes and protection coverage category of a plan. As an example, you may want a policy that gives you hospital and medical care. Beside that, you needed to recognize the compensation for temporary or permanent disability that caused by accident.  Some policies will cover whole costs included medical spending while some other will not. You need to go through and know the type of protection coverage before signing policy.

Exclusions
It is important to read briefly and thoroughly of details of personal accident insurance. Because ignorance of knowing policy will caused unwanted doubt, which will made the claiming process more difficult and possibility of being reject. However, every insurance company has its own policy content with different exclusions. As an example, there is certain personal accident insurance will exclude protection to illness, self injured purposely, dangerous sports and activities. For that reason you need to research and understand the status of every policy before you made decision.

Benefits 
If an individual wanted to get a suitable personal accident insurance, you need know the compensation amount from insurance company to pay. Every type of injuries has different compensation payment. Meanwhile, the plan's benefit will vary among different insurance company. The difference will depend the insurance company itself, some will offer 100% insured amount to certain injuries, while some other insurance company will offer 50% only. The insured amount means the maximum payment will be issue by insurance company when accident happened.

 Beneficiary
Nominee or beneficiary is important if a policyholder has passed away the nominee will receive compensation from the insurance protection. Therefore a person who interested to sign up personal accident insurance is advised to provide a nominee or beneficiary, and make sure that they notice about the matter. Naming the beneficiary is important to made policy money payment to be done fast.

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10 Tips To Reduce Stress

24 Jun 2014
Tips for Avoiding Stress Through a Healthy Diet and Lifestyle


Consistent eating pattern

  • Small but frequent meals is encouraged while the three main meals, which are breakfast, lunch and dinner are necessary. A healthy diet starts with a great breakfast.

Choose a balanced diet 

  • A balanced diet which consists of a variety of food must be based on the food pyramid.

Reduce the intake of caffeine

  • It is recommended that the intake of caffeine such as tea and coffee does not exceed 2 cups a day. Drink plenty of water. Excessive intake of caffeine will increase stress levels and reduce concentration and effectiveness in performing work in addition to affecting the quality of sleep.

Reduce the intake of salt

  • Excessive intake of salt could cause high blood pressure. Reduce the intake of food that is high in salt such as fast food, seasoning powder, canned food, salted fish, salted egg and pickles.

Reduce sugar intake

  • A high intake of sugar could reduce the immune system’s capacity to manage stress. Besides that, it could also increase the sugar level in the blood, which may cause obesity and increase insulin resistance.

Quitting from consuming alcohol or alcohol abstinence 

  • Gradual reduction of alcohol consumption would maintain body balance and avoid stress.

Sufficient vitamins and minerals through a balanced diet 

  • Sufficient intake of vitamins and minerals could increase body balance and avoid stress. Rich sources of vitamins and minerals are fruits and vegetables.

Consumption of food containing probiotics

  • Consumption of food containing lactobacillus acidhophitis could stop the growth of pathogenic bacteria and   increase immunity against stress.

Maintain body weight

  • Maintaining ideal body weight and perform physical activities for at least 3 times a week for 30 minutes could give inner peace while the body becomes more active.

Quit smoking
  • Nicotine in cigarettes gives short term feeling of relaxation but the toxin in it would increase heartbeat and stress.

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Why You Need A Personal Accident Insurance?

23 Jun 2014

We heard and read a lot of accident news through mass media almost every day. Motorists were those who majority involved in accident because they had higher risks involve in accident.

Motorists often become killed victim on the road, because they have to face with car, lorry and bus drivers. Many people will fear to hear and witness this kind of accident. But do we ever thought to provide oneself with extra protection such as personal accident insurance to secure ourselves and loved ones.

How Important is Personal Accident Insurance?

 Accident is Unpredictable

We have daily routine such as on and off to work in our vibrant life. There is accident news reported daily as well. The situation is worrying, especially motorist because they have higher risks. Taking precaution steps is not enough, because accident could happen in any unexpected time. So this is the reason why personal accident insurance should be included as extra protection during critical moment, instead other precaution preparation. 

 Insufficient Savings

 Life in the metropolitan city could be challenging due to increasing cost of living. It is not surprise if we does not have savings at all or just in small amount. Have you ever thought that you could loss your income if you involved in an accident that probably could paralyzed you? Does your savings able to support daily spending and pay for all commitment without consistent or permanent income? In fact it will become worse if you were the only one breadwinner for your family.

 It will be more unfortunate if someone involved in an fatal accident. The family, children and loved ones sure will get the impact, especially if the victim is the only source of income. All those factors will make you think and review the need of personal accident insurance. However, it is your own choice to decide whether you want to purchase or not a personal accident insurance for future protection.

Insurance Provided by Employer is Limited

It is an advantage when employer taking care of employees by providing insurance protection. But employees should not over dependent on such insurance because the protection only provide you if you still working with the company. What if you were unemployed or loss your job on certain reason?

Despite your company provide insurance probably in limited protection. Therefore, it is reasonable to own an extra insurance coverage such as personal accident insurance as low as RM100 per year. Beside that, it will also gives you freedom to choose any suitable plan and protection by your own.

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5 Reasons Why You Should Protect Yourself with Insurance?

19 Jun 2014

1. To protect family income

For many families, continuity of income is dependent on the continuation for life and health of the breadwinner. Life insurance guarantees adequate family income in any unpredictable event.

2. A plan of medical or health

Most people complain about the rising cost of health treatment but they don’t make an effort to get additional protection. Only people who think wise for their future will protect themselves with insurance to ease the burden of high medical cost.

3. Financial protection as provident fund when in permanent or temporary disability

Due to the breadwinner disability, life insurance and personal insurance will ensure and protect the needs of the families will not affected.
4. A plan for the children education

All parents have high dreams for the future of their children. This is the reason why life insurance is a good back up plan for long term benefits to protect their children in the future.

5. The retirement fund

Do not just rely on the Employees Provident Fund (EPF) and pension. In fact all working people look forward a happy retirement. So by protect yourself with insurance it is a practical step toward that goal.
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What Causes Obesity?

18 Jun 2014

Causes of obesity. Obesity is generally caused by eating too much and moving too little. If you consume high amounts of energy from your diet, particularly from fat and sugars, but do not burn off the energy through exercise and physical activity, much of the surplus energy is then stored by the body as fat. Calories.

The energy value of food is measured in units called calories. The average physically active man needs about 2,500 calories a day to maintain a healthy weight, and the average physically active woman needs about 1,500 – 2,000 a day. 

For example, eating a large take away fast food like hamburger, fries and soft drink can total 1,500 calories, and that is just one meal. Another problem is that many people are not physically active, so lots of the calories they consume end up being accumulated in the  body as fat.

Malaysia's Obesity Rate Highest in Asia

Malaysia has been rated as the highest among Asian countries for obesity. According to the findings from British medical journal, The Lancet, showed that 49% of women and 44% of men in this country were found to be obese.      

The risk factors that contribute to obesity can be complex combination of genetics, metabolic, socioeconomic and lifestyle factors. Some  endocrine disorders, diseases and medications can also cause weight to increase. 

Common Factors Influencing Obesity

Genetics:  Studies have shown that you can  inherit a tendency toward obesity. Your chance of being overweight increases 25 percent if one or both of your parents is obese.

Lack of Physical Activity:  Many people have jobs that involve sitting at a desk for most of the day.  Lack of physical activity is another important factor related to obesity. Most of them also more rely on theirs cars rather than walking, taking the stairs or cycling.  The more people relax the more they tend to watch television, surfing internet, play games and rarely take regular exercise or start doing physical activity.

 Metabolic: How you expend energy differs from how someone else will. Metabolic and hormonal factors are not the same for everyone but these factors play a role in determining weight gain.

Lifestyle: Poor diet and overeating in combination with a sedentary lifestyle contributes to obesity. Unhealthy eating habits from parents when you are young and continue into adulthood. Changing your behavior can affect these lifestyle choices. The best way is avoid drinking too many sugary drinks, fast food, eating large amount and so on. 

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Boost Your Health Naturally With Honey!

17 Jun 2014
What is Honey?


In a nutshell, honey is a 100% pure and natural sweetener made and stored in honeycombs by the honey bees. Nearly one million tonnes of honey is produced worldwide every year.


Vitamins in honey include B complex vitamins, essential for the production of energy in the body. Honey contains a balance ratio of healthy sugars including fructose and glucose to offer a pre-workout energy boost that is also sweet like sugar. 


Not only that, but it also contains vitamins, minerals and protein. According to the National Institutes of Health, honey is hygroscopic, antibacterial, anti-inflammatory, and has remarkable debriding action. 


Honey is a sweet treat. In fact, it is man’s oldest sweetener. It can be a good substitute for sugar in our drinks and food. But it also good for many other things and treating many other conditions. Reliance on commercialized medicines which contains too much chemicals can become hazardous to our health.


What Are the Benefits Health of Honey?

Soothes Sore Throat
  • One of the better known health benefits of honey is that it is able to help treat sore throats. Honey not only soothes throats but can also kill certain bacteria that causes the infection. The Chinese believe that excess “heatiness” in the body causes sore throat and taking honey drink can be helpful.
Heals Wounds
  • When honey comes into contact with body moisture, the glucose oxidase enzyme introduced to the honey by the bee slowly releases the antiseptic hydrogen peroxide at a sufficient level to be effective against bacteria but not tissue damaging. Not only is honey anti-bacterial, it also draws body fluids and nutrients to the area and so assist cell growth and prevents a scars forming by drying out of the wound.
Boost Memory
  • Studies show that consuming raw honey can improve memory. It also offers many other health benefits. Raw honey calms nerves and relieves anxiety, there by promoting relaxation and rest. One to two teaspoons per day is recommended.
Has a Low Calorie Level
  • Another quality of honey is that, when it is compared with the same amount of sugar, it gives 40% less calories to the body. Although it gives great energy to the body, it does not add weight. 
Reduce Scalps Problems and Dandruff
  • In a study involving patients with chronic seborrheic dermatitis and dandruff, the participants were asked to apply honey diluted with 10 percent warm water to their problems areas and leave it on for three hours before rinsing with warm water. In all of the patients, itching was relieved and scaling disappeared within one week. 
  • Skin lesions were completely healed within two weeks, and patients showed subjective improvement in hair loss as well. When applied weekly thereafter for six months, patients showed no sign of relapse. 
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