Why Large Family Floater Health Plans are always Better than Individual Top-Up Plans

Some buyers prefer to go with an individual top-up plan, whereas others stick with a family-floater health plan. However, the latter has an edge over the former in many ways.

Want to know how? Read on to learn more about it in detail.

Why does investing in a family floater health plan constitute a better investment option than an individual top-up plan?

An individual top-up plan only covers the health and hospitalization needs of a specific individual. On the other hand, a large family floater health plan meets the requirements of an entire family.

No doubt, an individual top-up plan seems good on paper as it is less expensive. However, it may not be a feasible option if you have a large family. In such a case, you would need to invest in a separate plan for each member, which may put your finances under strain.

You would be better off investing in a single plan that covers the needs of all the members of your family. A family floater health plan packs this benefit in a single package.

A single individual may not use up the entire sum insured. However, this situation may not arise if it is shared among the members of a large family. This will become clear if you consider the example below.

If you buy an individual top-up plan worth 10 Lakhs, then you will need to use up the whole benefit on your own. If the sum insured is for four members of a family, then there can be two possibilities. Either one of the family members can use the whole sum insured or share it among the family members.

But that’s not all; it also benefits you in several other ways compared to an individual health top-up plan.

A family floater health plan comes with a higher sum insured in comparison to an individual health plan. This is because the former is meant for more beneficiaries than the latter.

A health insurance plan revolves around the needs of many members of a family. As such, it comes at a lower premium than the sum total of several individual top-up plans.

Final thoughts

Both individual top-up health insurance and family floater health insurance plans are beneficial in different ways. The latter turns out to be more favorable if you have a large family with several members. Any member of a family can either use the entire sum insured or share it with other beneficiaries. As such, it serves the needs of everyone in a family without making it necessary to subscribe to individual plans for all members.

Health insurance companies in India are aware of this requirement. So, they roll out family floater plans for the benefit of their clients.

What are the Types and Symptoms of Glaucoma?

The expert eye doctors have a special demand in the field of ophthalmology and glaucoma specialists are no exclusion. Being the second leading cause of preventable blindness in the globe, diagnosis and treatment of glaucoma has become very crucial. It requires exceptional attention, care and expertise to execute the treatment of glaucoma. So for monitoring the condition and prescribing the proper medication and treatment, the best eye surgeons in Mumbai are of greatest help.

Overview of Glaucoma

Glaucoma is a certain eye condition where abnormally high pressure in the eye slowly damages the optic nerve. Optic nerve is responsible for sending images to the brain so that we can see. So the health of this optic nerve is vital for a good vision.

This eye disease is more common in advanced ages, although it can occur at any age. Also, there are instances of babies born with glaucoma. Often patients can’t even identify any early warning sign of this disorder. Because of the gradual progress of the symptoms, the disease is noticed at an advanced stage. The disease often runs in families.

Glaucoma is non-curable, it causes irreversible blindness. But the cause of glaucoma, i.e. high ocular pressure, can be treated. If detected in the earlier days, medication or surgery can stop the growth of the disease. But the vision already lost due to the condition, can never be recovered.

Causes of Glaucoma

The damage of the optic nerve in human eyes causes glaucoma. When the health condition of the nerve gradually lowers, there comes blind spots in the visual field. And elevated eye pressure is the reason for this nerve damage.

But how does eyes develop elevated pressure? Sometimes there is a buildup of a fluid that flows inside the eye. Generally this internal fluid drains out through a tissue at the angle where the iris and cornea joins.

So if there is an overproduction of the fluid or any issue with the drainage system, the fluid is blocked and can’t flow out at its usual rate. This gradually increases the eye pressure and if left untreated for a long time, causes glaucoma.

Types and Symptoms of Glaucoma

There are a lot of aged people who go through glaucoma. And studies have revealed that these people are four times more likely to fall and it becomes a dangerous issue for driving (source: Fundaction IMO).

Below are the types of glaucoma and the symptoms associated with this disorder. The signs and symptoms vary depending upon the age and stage of the disease. So, if you find you have any of these symptoms, rush to the top glaucoma specialist in Mumbai for advanced diagnosis and treatment.

Open-Angle Glaucoma :

This is the most usual type of the disorder. When the cornea and iris forms the drainage angle and it remains open, but the tissue is partially blocked, the eye pressure increases. This causes damage to the optic nerve and slowly the patient loses vision. The symptoms are :
Patchy bind spots in the peripheral or central vision,
In the advanced stages, there might be tunnel vision
Also the patient might not experience any symptoms at all.

Angle-Closure Glaucoma :

Angle-closure glaucoma is also called closed-angle glaucoma. It occurs when the iris bulges becomes narrow or hinders the drainage angle that the cornea and iris forms. Therefore the fluid can’t pass through the eye and pressure is elevated.

People with thin drainage angels are at increased risk of angle-closure glaucoma. This disorder, when occurs suddenly, is called acute angle-closure glaucoma and when occurs gradually, is called chronic angle-closure glaucoma. Acute angle-closure glaucoma needs urgent medical care.

The symptoms of angle-closure glaucoma are :
Extreme headache
Pain in the eyes
Tendency to vomit
Visual disorders
Halos around lights
Redness in the eyes etc.

Normal Tension Glaucoma

When the optic nerve is damaged even though the eye pressure is within the normal range, the condition is called normal tension glaucoma. The exact reason for this is still unknown. The possibilities are due to sensitive optic nerves or less blood supply in the optic nerve etc.

The limited blood flow in the optic nerve can occur due to the buildup of fatty deposits in the arteries or other medical conditions that hinder the circulation.

Prevention of Glaucoma :

Although glaucoma can not be cured, staying alert and practicing some self-care steps can help you prevent loss of vision or progress of the disorder. Check out some of the tips below :

Regular eye exam :

Getting your eyes checked regularly after the age of 40 can help you prevent many serious conditions. Try to visit your eye doctor at least once a year. Also, the best glaucoma specialist or eye surgeon in Mumbai, can help you with the same.

Learn your family’s eye health :

As glaucoma runs in the family, learning the history of your family’s eye health can help you take precautionary measures for preventing glaucoma.

Regular safe exercise :

Moderate level of regular exercise can help you lessen the risk of eye pressure. So talk to your doctor for more expert guidance on the same.

Application of prescribed eye drops :

Take the prescribed glaucoma eye drops regularly to avoid the elevated level of eye pressure. This can prevent the risk of blindness even if you don’t have any symptoms.

When to Visit Your Glaucoma Specialist ?

If you’re suffering from blurry vision, eye pain, intense headache, vomiting sensation and rainbow coloured vision, promptly visit your glaucoma specialist or Get in Touch with us for advanced eye check-up, diagnosis and treatment.

Best Employee Training Opportunities to Enhance Organizational Revenue

Lean healthcare workshops can singlehandedly change an organization’s bottom line. The idea of running a lean organization is nothing new in and out of healthcare – but healthcare organizations across the country are increasingly taking advantage of lean healthcare workshops to implement new techniques, philosophies, and management systems.
Some of the topics covered in a lean healthcare workshop include:
• An overview of lean healthcare practices, philosophies, and systems and how they work
• How all elements of a healthcare organization work together to create a lean organization
• Specific examples of healthcare organizations successfully implementing lean practices to rejuvenate operations
• How to identify core problems at a healthcare organization, including specific trouble spots that can benefit from a lean healthcare philosophy
By scheduling a lean healthcare workshop, organizations can discover the best practices modern organizations are using to maximize revenue while minimizing losses.

Positive Work Environment Workshops
Many healthcare organizations recognize the importance of employee revenue training and employee certifications.
However, many organizations overlook another crucial aspect of patient care: a quality work environment, good employee relationships, and a good work-life balance.
Employee turnover is a significant expense for healthcare organizations. According to Employee Benefits News, employee turnover costs a company approximately $15,000 per employee who makes an average salary of $45,000. For employees who make a higher salary, the cost of employee turnover is much higher.
The top reasons employees leave a healthcare organization are:
• Career development, and an inability to grow or expand their skills at their current employee
• Work-life balance, particularly among younger adults or parents
• Management behavior, including the way managers treat employees and the things employees expect from managers
By addressing these areas, healthcare organizations are better able to attract and retain talent.
One of the best ways to address these areas is with employee training and workshops. Available training programs include:
Stress Management Workshops: Some employers invest in stress management workshops. These workshops explain how to reduce emotional exhaustion, manage stress, manage anger, and encourage positive thinking. By clarifying goals and team roles, these workshops can prevent employees from suffering negative consequences related to their work.
Employee Training Investments: Employees like to feel valued. They like to feel an employer has invested into their careers and development. It makes an employee less likely to leave. A growing number of healthcare organizations fund employee training, specialization, and certification programs. By investing in a healthcare employee, you get a better employee who is less likely to leave.
Work-Life Balance Initiatives: Work-life balance initiatives promote employee loyalty, making it less likely for skilled talent to leave for competing organizations.

Computer-based Training Modules
Healthcare is more computerized than it’s ever been before – yet many hospitals continue to use aging infrastructure.
Hospitals with aging infrastructure risk being left behind. As competitors invest in employee training initiatives and big technology, some organizations risk dropping behind their competitors.
Offer computer-based training modules to employees. Make sure employees understand how to use – and maximize the benefits of – healthcare technology. Take advantage of big data. Give tablets to patients.
There’s more healthcare technology available today than ever before, and it’s impossible for an organization to utilize all of it – but the sooner your organization invests in healthcare technology training initiatives, the more successful the organization will be in the long run.

Final Word
The health system offers thousands of training courses each year. Some of these courses are mandatory to maintain certification. Others are optional.
By emphasizing the right healthcare training programs, organizations can succeed, grow revenue, and retain talent.