International Health Insurance Policies

While one is searching for health insurance, he is provided with a variety of health insurance options. This variety is offered in order to meet the demands of the populace. Depending on the needs and budget one can opt for domestic (or local) health insurance policy or international (or global) health insurance policy. Domestic health insurance policies depend on the local healthcare system of the country. Along with the domestic health insurance plans provided by the country there also exists health insurance policies and plans that provide health coverage all around the world (i.e. globally). Such health insurance policies are also known as international health insurance policies.

� Domestic health insurance policies are limited to covering healthcare expenses only within the country where as international health insurance policies provide coverage for health care expenses globally.

� Domestic health insurance policies are more affordable than the international health insurance polices. However the coverage and benefits are more in the international health insurance policies.

� If one is the owner of a domestic insurance policy then he will not be covered for his medical expenses outside the country.

� There is a difference in the way the insurance companies calculate the premiums for the domestic and international insurance policies. Also domestic health insurance policies as well as international health insurance policies both have and follow different systems for assessing and adjusting their premiums every year.

� The terms and conditions of domestic health insurance plans get affected by national issues where as the terms and conditions of the international health insurance company get affected by the international issues.

� The main difference between the two types of health insurance policy is that if one shifts from one country to other before his policy matures then he does not get the benefits of the existing policy in other country if the policy is domestic one. Thus he will have to purchase new policy in the country he shifts too. Also if he is already suffering from some health problems and is covered under the existing domestic policy then after shifting while buying new policy in the new country this illness is considered to be pre-existing and hence will not be covered under the new policy. How ever if you are the owner of the international health insurance policy then the only formality you need to undertake is change of address and then you can have the benefits of the international health insurance policy that you own in which ever country you shift. This can also be referred to as portability of the insurance plan.

� Both the types of health insurance plans (domestic and international) allow citizens upto 65 years of age to apply for the health insurance policy. Some health insurance policy companies have extended the age limit upto 80 years also. However the point that makes a difference between the two types of health insurance policy is that renewal of domestic health insurance policy is allowed upto certain age limit only but on the other hand the owner of the international health insurance policy can with guarantee keep renewing the policy as long as the policyholder wishes

Natural Herbal Teas And Their Many Health Benefits

Herbal tea is a common terminology given for tea made from various herbs other than the common tea plant (Camellia sinensis). Herbal tea is also termed as “tisane,” which denotes that the herbal tea is not prepared from the common tea leaves. Almost all available herbs are used in the preparation of herbal tea. The plant parts used to prepare herbal teas are fresh or dried leaves, flowers, roots and seeds. Some herbs are wholly used with all parts.

Popular herbs that are commonly used in the preparation of herbal tea are Anise Hyssop, Arabian Jasmine, Common Sage, False Roselle, German Chamomile, Jamaican Tea Hibiscus, Lemon Balm, Lemon Verbena, Mints, and Roman Chamomile. Each herbal tea has different properties and it is specifically used for different ailments.

Blackberry tea is prepared from the blackberry bushes (Rubus from the family Rosaceae). This tea is used for various health benefits, especially to get rid of diarrhea.

Blueberry tea is made from the dried leaves of the blueberry plant (Vaccinium from the family Ericaceae). This tea is consumed to get rid of kidney inflammation and to ameliorate the flow of urine.

Dandelion tea is prepared from the leaves of the dandelion herb (Taraxacum from the family Asteraceae). The tea is believed to be very effective for improving the functions of the liver, getting rid of gallstones and in improving skin ailments.

Essiac tea is made from four important herbs which are Burdock (Arctium from the family Asteraceae), Indian Rhubarb (Darmera peltata from the family Saxifragaceae), Slippery Elm (Ulmus rubra from the family Ulmaceae) and Sorrel (Rumex acetosa from the family Polygonaceae). The tea is renowned as an herbal cancer treatment. It is believed that the tea prevents the growth of new carcinogenic cells.

Ginseng tea is prepared from the aromatic tuberous roots of the ginseng plant (Panax from the family Araliaceae). It is believed that the tea greatly improves the resistance power of our body against stress.

Kombucha is a sweetened tea prepared from a group of microorganisms, known as kombucha colony, by using a fermentation process. The kombucha colony microbes consist of bacteria and yeasts; they are Acetobacter, Brettanomyces bruxellensis, Schizosaccharomyces pombe, Torulaspora delbrueckii, Candida stellata, and Zygosaccharomyces bailii. A chemical compound present in this tea seems to help the liver for detoxifying the body.

Persimmon tea is prepared from the dried and crushed leaves of the tree (Diospyros from the family Ebenaceae). The tea is believed to be rich in Vitamin C, and it seems to prevent scurvy.

As you can see there are many Natural Herbal remedies available to keep your body in optimal health without the side effects. This is just a small sample of herbal teas. There are literally thousands of varieties available. Don’t be afraid to sample different kinds. You just might find that special taste and wonderful aroma that you just can’t live without.

Coffee: Friend Or Foe

The Questions
There may be no flashing neon lights reminding you about the side effects of drinking coffee, but we all know they exist. Because coffee comes from the seeds of Coffea plant’s berries, and how could something that comes from berries be harmful? After all, coffee is what kick-starts every morning and gets us working. But can you sip on your coffee with absolutely no concern about its side effects? Do you ever wonder which is better, regular systematic consumption of coffee or avoiding habituation completely? Finally, does coffee really improve athletic performance? If these questions have been burning in the back of your mind, then you should read on.

What is Caffeine Withdrawal?
Against popular belief, scientific literature tells us that there is no physical harm in drinking coffee. In fact, moderate consumption can benefit your body. There’s one catch: this positive effect is not caffeine’s work, but rather the coffee itself. Caffeine can be bad for you, and it all depends on your own physiology. Some people experience headaches, increased heart rate, tremors, or even performance impairment. On top of that, coffee has addictive characteristics and caffeine intoxication that comes from excessive intake can cause withdrawal symptoms, such as fatigue, headache, and difficulty focusing. The American Psychiatric Association’s Diagnostic and Statistical Manual of Mental Disorders (DSM-5) now categorizes caffeine withdrawal as a mental disorder, noting that many people are addicted to the process of coffee consumption.

The Benefits
Yet, there is plenty of scientific evidence that caffeine ups the endurance of the athlete via a type of fatigue resistance or an altered perception of effort. Recent studies recommend that consumption be kept modest, at a range of 1-3mg/kg BM or 70 to 150 milligrams caffeine before or during exercise. More is not necessarily better in the case of caffeine, and everyone’s body reacts differently to caffeine. So, it’s best to stay within the recommended range and keep track of your own consumption and your body’s reaction.

Should You Keep Drinking?
Finally, can someone adapt to caffeine consumption, dulling the positive effects of caffeine on athletic performance? There still needs to be research done on caffeine, athletics, and their relationship. However, it seems that the most recent studies are recommending coffee drinkers to continue their usage schedules rather than risk withdrawal symptoms. Some even state that the positive effects of caffeine on athletic performance increases with habituation, with less risk of the negative effects such as heart rate increase, tremors, and irritability. From this, we can conclude that a moderate caffeine schedule as part of a balanced diet is ideal.

As you can see, coffee consumption is perfectly fine for most people. The complexity comes from individual differences and the habit-forming nature of caffeine. What is definite is that recognizing that coffee is not a substitute for good-quality sleep and being aware of potential side effects of caffeine withdrawal is vital for any user.