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The best health insurance policy is the one that provides the best coverage for your personal needs at the most affordable price. Based on my experience and knowledge, if we compare different plans in the market, the best of the lot are -Max Bupa Health Insurance and L&T Insurance.Following are the benefits of Max Bupa Health Insurance policy "Heartbeat"In House Claim Settlement (No TPA).All Daycare procedures are covered.Accidents & Emergencies are covered from the 1st day of the policy.No list of exclusions - Unlike other companies, Max Bupa does not have any list of first and second year exclusion till the age of 60 years.Assured Renewability for Life - If something happens in the future where the customer claims for a disease, so for that customer can claim again if he/she requires in the future, Renewability acceptance for whole life.Health check up is provided every year as a part of renewal benefit (once in two years in Silver Policy & every year in Gold & Platinum Policy).No Capping For Room Rent.Health Relationship Program - You are eligible for Health Relationship Program if the Policy is renewed without any break. Under this program you may opt for any one of the following optionsa. Increase in your sum insured– You will get 10% additional Sum Insured each policy year of expiring base Sum Insured. Also, the additional sum insured can be accumulated up to 50% of current base sum insured.b. Earn and Redeem - You can earn points worth 10% of your last paid annual premium after you renew your policy and these points can be redeemed from the company's website for various health and lifestyle products and services.Please note that if you select option ‘a’, you cannot go back to option ‘b’ in the next year.Emergency Ambulance Charges - Free in network hospital and up to Rs. 2000 covered in non network hospital.No loading of premium (if a person claims in a year).No limitations/capping in terms of room rent, medicines, operation theatre charges, pathology, x-rays, therapies and prosthetic implants (all expenses will be covered up to sum insured)Pre-existing diseases are covered after a period of 24 months (for platinum and gold plans) and 48 months (for silver plans) of continuous coverage from first policy start date.Pre-hospitalisation is covered for 30 days and post hospitalisation is covered for the next 60 days (including doctor fees, medicines charges and diagnostic tests). It’s applicable for day care procedures as well.Domiciliary Hospitalisation is covered up to to 15000 Rs.L&T Health Insurance more or less has same benefits and features except for few points like they have a list of exclusions for the first two years (they don't cover a list of diseases for the first 2 years). Also, another good thing about their policy is, they cover pre-existing diseases after a waiting period of 2 years only.Hope it helps!!Feel free to ask questions, if any.

A2A :)Health insurance is a necessity!Many people think that they don't need it since they are healthy. Many are also bullish about their ability to foot post-retirement health bills as they believe they have enough savings to sail through. Many are still unsure about the benefits of health insurance. Many still see it as a waste of money because it does not offer any return.The good news is that awareness about the need for health insurance is on the rise. And I'm glad you took the right decision of buying a health policy at the right time.The type of policy to buy should be determined by your family's needs. The number of family members and their age is crucial in identifying a policy. Though the premium depends on four factors i.e. Sum Insured, location, no of persons and age of the members to be covered.Based on my experience and knowledge, if we compare different plans in the market, the best of the lot are -Max Bupa Health InsuranceL&T InsuranceReligare Health plansFollowing are the benefits of Max Bupa Health Insurance policy "Heartbeat"In House Claim Settlement (No TPA).All Daycare procedures are covered.Accidents & Emergencies are covered from the 1st day of the policy.No list of exclusions - Unlike other companies, Max Bupa does not have any list of first and second year exclusion till the age of 60 years.Assured Renewability for Life - If something happens in the future where the customer claims for a disease, so for that customer can claim again if he/she requires in the future, Renewability acceptance for whole life.Health check up is provided every year as a part of renewal benefit (once in two years in Silver Policy & every year in Gold & Platinum Policy).No Capping For Room Rent.Health Relationship Program - You are eligible for Health Relationship Program if the Policy is renewed without any break. Under this program you may opt for any one of the following optionsa. Increase in your sum insured– You will get 10% additional Sum Insured each policy year of expiring base Sum Insured. Also, the additional sum insured can be accumulated up to 50% of current base sum insured.b. Earn and Redeem - You can earn points worth 10% of your last paid annual premium after you renew your policy and these points can be redeemed from the company's website for various health and lifestyle products and services.*Please note that if you select option ‘a’, you cannot go back to option ‘b’ in the next year.Emergency Ambulance Charges - Free in network hospital and up to Rs. 2000 covered in non network hospital.No loading of premium (if a person claims in a year).No limitations/capping in terms of room rent, medicines, operation theatre charges, pathology, x-rays, therapies and prosthetic implants (all expenses will be covered up to sum insured)Pre-existing diseases are covered after a period of 24 months (for platinum and gold plans) and 48 months (for silver plans) of continuous coverage from first policy start date.Pre-hospitalisation is covered for 30 days and post hospitalisation is covered for the next 60 days (including doctor fees, medicines charges and diagnostic tests). It’s applicable for day care procedures as well.Domiciliary Hospitalisation is covered up to to 15000 Rs.L&T Health Insurance & Religare care plans more or less has same benefits and features except for few points like they have a list of exclusions for the first two years (they don't cover a list of diseases for the first 2 years). Also, another good thing about their policy is, they cover pre-existing diseases after a waiting period of 2 years only.How much cover do you need?A health insurance floater policy of Rs 5 lakh is quite sufficient in most parts of the country. However, it may not be adequate if you live in a metro, where the cost of medical treatment is significantly higher. A 2-3 day hospitalisation for common diseases can land you a bill of Rs 60,000-70,000 in private hospitals of metro cities. The bill for bigger ailments can run into several lakhs of rupees.Don't lean too much on the group cover from your employer. Group covers have lots of exclusions and may not cover all the costs incurred during the hospitalization. There are sub-limits on room rent and other charges and co-pay clauses under which the policyholder is required to foot a certain percentage of the bill.Take a cover of at least Rs 5-10 lakh if you want to be on the safe side.Hope it helps!!Feel free to ask questions, if any.

Yes it is good for healthYou want answer in detail ..??Chyawanprash is a delicious nutritive jam that has been used in Ayurveda for thousands of years, offering a wide range of health benefits. In Sanskrit, the word, ‘prash’ refers to a specially prepared food. It is said that two ancient sages of Ayurveda concocted this particular formula to restore youth to the elderly sage, Chyawan – thus the name, ‘chyawanprash’. The transliteration from Sanskrit to English has resulted in a variety of spelling variations, including: chyavanprash, chyavanaprasam, and chyavanaprjasha. Banyan Botanicals offers this preparation as chyavanprash.Ayurvedic jams are often used as A substance that serves as a medium for taking herbs and other medicines; many anupans are valued for their ability to carry herbs and formulas deeper into specific tissues; common Ayurvedic anupans include water, ghee, honey, milk, and aloe vera juice or gel.anupans (carriers) for other herbs, but they can also be used on their own and frequently are – especially as rejuvenatives and aphrodisiacs. The Ayurvedic jam known as chyawanprash is made with a base of amalaki fruits (Emblica officinalis) and typically contains a number of other herbs, ghee, sesame oil, sugar, and/or honey. The honey, ghee, and sesame oil serve as yogavahis (catalytic agents) to carry the herbs deep into the tissues, while the sugar is considered a samvahaka dravya (preservative substance) which helps to safeguard the clinical efficacy of the main ingredient, in this case amalaki.Amalaki, also known as amla, is renowned for its rich antioxidant content and for its very high concentration of vitamin C – one of the highest known in the plant kingdom. More importantly, the vitamin C contained in the amalaki fruit is stabilized by the presence of tannins, which help to preserve the vitamin content, even through processing. This is particularly relevant in a preparation such as chyawanprash, which requires extensive cooking.While the first known source of the ‘recipe’ for chyawanprash is found in the Charaka Samhita, an ancient Ayurvedic text, the jam is also described in several other respected Ayurvedic texts, often with some alteration to the ‘original’ formula. In fact, there is an extensive history of variation in chyawanprash preparations and appropriate amendments are therefore considered acceptable. This being the case, modern concerns for sustainability and availability of herbs have resulted in a wealth of chyawanprash varieties, all essentially sharing the same core benefits.Benefits of Chyawanprash•Rejuvenates all tissues in the body*•Increases overall strength and energy*•Improves muscle mass*•Builds The positive subtle essence of kapha, which gives the body strength, vigor, vitality, and immunity; the end product of perfect digestion. Ojas shares a subtle functional integrity with tejas and prana.ojas for healthy immune response and youthfulness*•Strengthens the heart and respiratory systems*•Tonifies the reproductive system*•Kindles The third of five elements recognized in Ayurveda: the fire element; the principle of transformation; the digestive fire, which is responsible for digestion, absorption and assimilation; that which transforms food into tissues, energy, and consciousness.agni (digestive fire)*•Gently encourages elimination*•Supports optimal urinary health*Chyawanprash is a very nourishing, anabolic preparation that is heating, heavy and oily. Provided digestion is strong, it builds strength and mass without aggravating kapha. Actually, chyawanprash pacifies vata, pitta, and kapha and is considered A substance that nourishes and tones the entire body; the Ayurvedic practice of rejuvenation therapy (also known as rasayana chikitsa)—a specific process of offering deep nourishment to the cells, tissues, and organs of the body in support of their healing, renewal, and regeneration; this practice is indicated in a number of different situations (e.g., after a deep cleanse like pancha karma) and is believed to enhance immunity, stamina, and longevity.rasayana (rejuvenative) for all of the tissues in the body. Chyawanprash is said to support healthy aging and to promote beauty, intelligence, and memory. It is also a tonic for the heart and it has a general affinity for the digestive, excretory, urinary, respiratory, and reproductive systems.Modern Research on Chyawanprash and AmalakiThere has been significant scientific research evaluating the benefits of amalaki (again, the main ingredient in chyawanprash) and at least one study looking at various applications for chyawanprash, specifically. Among other things, research efforts have evaluated the roll of chyawanprash in supporting appropriate glucose and cholesterol levels, as well as amalaki’s function as an antioxidant, adaptogen, and immune and heart supportive agent. Below are a few links that summarize some of these findings:•“Effect of Chyawanprash and Vitamin C on Glucose Tolerance and Lipoprotein Profile.” •“Adaptogenic Properties of Six Rasayana Herbs Used in Ayurvedic Medicine.” •“Emblica officinalis Causes Myocardial Adaptation and Protects Against Oxidative Stress in Ischemic-Reperfusion Injury in Rats.”Side EffectsWhile there is little information on side effects associated with chyawanprash, no toxic effects of amalaki (its main ingredient) have been observed in scientific studies.ContraindicationsAvoid chyawanprash if there are known allergies to Emblica officinalis, other members of the Phyllanthus family, or to any other ingredients in chyawanprash. For pitta-types or those with pitta imbalances, chyawanprash may be heating during hot weather. It is likewise contraindicated in cases of indigestion or diarrhea. Use caution in patients with hypoglycemia and in those taking anticoagulant or antiplatelet medications. If you are taking prescription medication of any kind, it is always best to check with your doctor before introducing an herbal regimen.http://www.banyanbotanicals.com/info/ayurvedic-living/living-ayurveda/herbs/chyawanprash/