Insurance Companies and their ‘No Medical Test’ Policies

Such policies are nothing less than hidden attempt to reject most claims. Many policy conditions are written in such ambiguous fashion that the TPA and/or Insurance companies can reject any claim at their will and discretion. Before signing for any policy, one needs to go through and understand all conditions laid down in the policy/prospectus. Unfortunately, these conditions of the policies are written in such a language that these can be turned and twisted by the TPA/ Insurance Companies. If someone requests them to send a ‘rejection letter’ , for that also TPA insists that all their procedures must be completed.

Thanks for reading.

Advertisements

Five Ways to Break 10 Bad Habits

1

Bad Habits

Nearly everyone has a bad habit that they should break. Some people have less than others and some people’s bad habits are more grating than those of others.  Bad habits like excessive drinking, smoking, biting the fingernails, etc., starts slowly and gradually. They jeopardize your health — both physically and mentally thereby wasting your time and energy.

Bad habits are hard to give up, they are like a comfortable bed, easy to get into, but hard to get out off.  However, you can achieve anything with the right amount of willpower and a realistic plan of action. With persistence and right mind-sets, it’s possible to break your bad habits.

Here are some ideas for breaking your bad habits

  1. Change one thing at a time

It is most important that you don’t try to break all your bad habits, at once. You’re not a superhuman and trying to quit all your bad habits at the same time is probably going to be hard to achieve. Instead, prioritize and choose the habit that you need to change most urgently and then focus on that accordingly.

  1. Prepare for weak moments

A positive mindset is significant but if you’re not prepared for those weak moments this can be a biggest mistake. Try to remove temptations as that can help you prepare for those weak moments. For instance, clear the cupboards of junk food, keep some distance from friends who encourage you to smoke/ drink and avoid stressful situations.

  1. Set regular reminders

Bad habits are often so deeply ingrained in us that sometimes they can catch us unexpectedly. To help prevent those accidental slip-ups, try setting yourself regular reminders to resist those bag habits.

  1. Reward your success

The key to breaking bad habits is to make the process as rewarding and enjoyable, as possible. If you are facing difficulty focusing on the long-term benefits of breaking bad habits, then arrange small rewards for yourself as you go along to help keep you motivated.

  1. Remind yourself why you’re breaking those habits

In order to successfully break a bad habit, you have to be sure of your reason for breaking those habits. Find a solid reason for breaking your habit that really means something to you – such as improving your health, relationship or appearance – and keep your goal in sight. This will help you to carry on and stay strong in moments of weakness.

10 habits you must quit to be happy

When you quit doing the bad things, you make more room for the things that make you happy. Aristotle, a great philosopher once said, “we are what we repeatedly do. Excellence is not an act, but a habit”. However, here are 10 habits that you need to give up in exchange for your happiness.

  • Quit procrastinating on your goals
  • Quit talking down to yourself
  • Quit blaming others and making excuses
  • Quit trying to control the uncontrollable
  • Quit criticizing others
  • Quit trying to avoid change
  • Quit running from your problems and fears
  • Quit trying to be someone you’re not
  • Quit living in another time and place
  • Quit being ungrateful

Thanks for reading.

Speech Spells Your Style

ssys1-jpgss

Speech is, perhaps, one of the most important aspects of communication, today. Speech comprises the words that you speak and more importantly how you speak these words. Speech is not taught in schools and colleges. We just pick it up – from our parents, teachers, friends and others in the society with whom we interact. Some of the mistakes that people make in our circle are also adopted by us, though unknowingly. When we set out to improve, we have to unlearn many things. Just because we have been committing these mistakes again and again these form a part of our speech habits. Speech blemishes can be corrected with knowledgeable guidance and a lot of practice. In this regard let’s deal with the following six items:

  1. Knowledge of language grammar.
  2. Your vocabulary in that language.
  3. How you construct your sentences.
  4. Clarity in your voice.
  5. Your knowledge and ability to pronounce the words correctly and clearly.
  6. Pace, pause and tone of your speech.

Knowledge of grammar Normally, it is assumed that knowledge of grammar is only bookish ability and it’s useful only for written communications. This is a fallacy and totally incorrect. You can make nice sentences easy to understand only if you are adequately comfortable in the grammar of the language.

Learning or building of vocabulary is a lifelong process. It should never cease. Difficult, fancy or fashionable words need not be a part of your vocabulary. In fact, simple is beautiful.

Your construction of sentences, in a way, defines your speech. The efficacy of your speech depends on it. Short sentences of varying length may be intertwined to bring out a beautiful style.

Voice plays a major role in your speech. Voice need to be pleasing to the ears of your listeners. Voice can be made very attractive by proper breathing and desirable use of the speech organs.

Pronouncing the words correctly and clearly shows your style. Importance of clear and correct pronunciation should never be undermined.

How you speak is as important in conversation and speech as the content and language, if not more. Power of your speech depends on the judicious use of changing pace, pause and tone etc.    

Thanks of Reading.