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6 Mediclaim Blunders To Avoid

Warning:You may be denied your claim even though you may have done nothing wrong

Financial planners tell customers to buy mediclaim of Rs5 lakh or more, to be covered adequately. While this is, indeed, good advice, planners do not tell customers about the shortcomings in the product itself which can mean that your claim may not be fully paid. Product drawbacks, like room rent limits or procedure sub-limits, can lead to partial claim settlement and reduced compensation claim amounts, about which you can try to get informed from the policy wordings. But what about things which are not defined in the policy but can still render the mediclaim useless? There could be complete rejection of claims, for no fault of yours.

You can only control what you know; but most of us cannot anticipate the various conditions which can lead to claims denial. We are highlighting some of the cases which we came across from Moneylife Foundation Insurance Helpline or emails received from Moneylife readers. Avoid the pitfalls which no financial planner or insurance advisor will tell you about. Nor can these be known from studying the mediclaim policy document.

Mediclaim is not a simple product. It’s not a product you can purchase and forget about. It is a product which will keep you on your toes. Unfortunately, insurance fraud is a reality and insurers’ steps to counter it may adversely impact an innocent policyholder. Read on to avoid blunders that can lead to rejection of claim or, even worse, make your mediclaim policy worthless. There are no easy solutions for some cases and even your best efforts for a fair claim can be met with unfair rejection by insurers.

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Chemical Found In Colgate Total Toothpaste Linked To Cancer

A chemical found in one of North America’s most popular toothpastes, Colgate Total, has been linked to cancer and other harmful health ailments.

It’s called triclosan, it’s also used  in antiperspirants/deodorants, cleansers, and hand sanitizers as a preservative and an anti-bacterial agent. In addition to cosmetics and Colgate toothpaste, triclosan is  used as an antibacterial agent in laundry detergent, facial tissues, and antiseptics for wounds, as well as a preservative to resist bacteria, fungus, mildew and odors in other household products that are sometimes advertized as “anti-bacterial.” These products include garbage bags, toys, linens, mattresses, toilet fixtures, clothing, furniture fabric, and more.

A recent study published in the journal Chemical Research in Toxicology found that the chemical encourages cancer-cell growth. Various studies over the past few years have clearly outlined the health dangers associated with this chemical.(1)

Don’t forget, the government and corporations used to tell us that asbestos, PCB’s and DDT were all deemed safe and effective, yet all of these chemicals have since been banned.

Triclosan can also pass through the skin and interfere with hormone function (endocrine disruption). (2)(3) It doesn’t stop there, a study published in the journal Environmental Health Perspectives from 2008 shows how scientists detected triclosan in the urine of nearly 75 percent of those tested (2,517 people age six or older). (4)

The Canadian Medical Association has even called for a ban on products that contain Triclosan. (5)

Colgate says that the chemical is safe, in doing so they cited the Food and Drug Administrations (FDA)  process that led to its approval in the first place. But according to Bloomberg:

“A closer look at that application process, however, reveals that some of the scientific findings Colgate put forward to establish triclosan’s safety in toothpaste weren’t black and white — and weren’t, until this year, available to the public.” (source)

Believe it or not, these documents were actually withheld from public viewing by the FDA. It’s also important to note that major corporations and the FDA are pretty much the same thing, and these corporations have a big influence over government policy. The only reason that the documents were recently released is because of a lawsuit that was filed over a Freedom of Information Act (FOIA) request.

The FDA report raised concerns that the chemical could cause cancer. You can view the release of the document HERE.

According to Bloomberg:

“The pages show how even with one of the U.S.’s most stringent regulatory processes — FDA approval of a new drug — the government relies on company-backed science to show products are safe and effective. The recently released pages, taken alongside new research on triclosan, raise questions about whether the agency did appropriate due diligence in approving [Colgate] Total 17 years ago, and whether its approval should stand in light of new research, said three scientists who reviewed the pages at Bloomberg News’s request.”(source)

Despite all the evidence, Colgate still maintains that everything is fine and there is nothing to worry about. Will you believe them? Will you continue to put your trust in these corporations instead of doing the research yourself? By now it’s clear that these corporations are not really concerned with safety or care, but more so about profit and making people sick, as well as contributing to the concealment of scientific data. The same shareholders that own these companies who are behind the distribution of these products are also holding major shares in various drug companies. There is profit to be had from making people sick.

Colgate has said that it has no plans to reformulate the toothpaste.

It’s remarkable how easy it is to head over to the drug-store to pick up cosmetics, household cleaning products, soap, shampoo, toothpaste and other necessities without ever thinking about how it’s made, what goes into it, the science behind it and the health hazards that are associated with doing so.

More information is coming to light, especially within the past few years. The rate at which people are waking up and starting to critically question what we choose to surround ourselves with on  a daily basis is increasing exponentially. Most importantly, people are starting to make better choices.

Sources:

http://www.accessdata.fda.gov/drugsatfda_docs/nda/97/020231_total_toc.cfm

http://www.bloomberg.com/news/2014-08-11/in-35-pages-buried-at-fda-worries-over-colgate-s-total.html

http://davidsuzuki.org/issues/health/science/toxics/chemicals-in-your-cosmetics—triclosan/

(1) http://pubs.acs.org/doi/abs/10.1021/tx5000156

(2) Calafat, A. “Urinary Concentrations of Triclosan in the U.S. Population: 2003-2004.” _Environ Health Perspect _116, 3(Mar 2008):303-307

(3) Gee, RH et al. “Oestrogenic and androgenic activity of triclosan in breast cancer cells.” Appl Toxicol.28, 1 (Jan 2008):78-91

(4) http://www.ncbi.nlm.nih.gov/pmc/articles/PMC2265044/

(5)http://www.theglobeandmail.com/life/health-and-fitness/experts-concerned-about-dangers-of-antibacterial-products/article4282875/

Original Story at http://www.collective-evolution.com/2014/09/13/chemical-found-in-colgate-total-toothpaste-linked-to-cancer/

Co-operative Society Seminar

ALL INDIA CHS WELFARE ASSOCIATION has organised a Seminar at 10 am to 1 pm. on Sunday, 4th October, 2015. at :

Vile Parle Kelavani Mandal’s Mithibai Auitorium,
Vile Parle (West)
Mumbai – 400 049
Emphasis will be on CHA related Q & A.

All are invited.
No special invitations.

No special sitting arrangements.

Entry is FREE. Registration on spot.

ALL INDIA CHS ASSOCIATION 
J.B.Patel – Jeby
CHS Activist
 
Hemant Agrawal
Ad.B.K.Sinha
Anil Patel
Vijay Patel
 
FIGHT FOR YOUR RIGHT !

Resume DD TV SHOW – JANNE KA HAQ on RTI Act Now

Information and Broadcasting Minister Arun Jaitley : Resume DD TV SHOW – JANNE KA HAQ on RTI Act Now

Information and Broadcasting Minister Arun Jaitley : Resume DD TV SHOW - JANNE KA HAQ on RTI Act Now

Why this is important
The DD program JANNE KA HAQ is the only Television program in India, India,- or perhaps in the world,- which is working for over nine years on RTI and transparency related issues from January 2006. I

t has been taking up various issues relating to Right to Information every weekend. Despite it being a DD program, it had consistently championed the cause of transparency. Its popularity was high specially in rural areas and small towns.It highlighted RTI successes and failures and was one of the important contributors to the empowerment of citizens in the direction of converting our nation into a participatory democracy.

Most institutions of power have been uncomfortable with RTI since the most powerless individual gains the power to challenge arbitrariness, wrong doing and corrupt actions.
This challenges the arrogance and ego even of those who may be honest, apart from threatening the corrupt.
This unique Janne Ka Haq program which has played an important role in spreading RTI in the nation has suddenly been stopped since two weeks RESUME NOW !!

Click Here to sign the petition

UN voice for environment

In summary, the International EMF Scientist Appeal calls upon the United Nations, the WHO, and the UN Member States to:

  • address the emerging public health crisis related to cell phones, wireless devices, wireless utility meters and wireless infrastructure in neighborhoods; and
  • urge that the United Nations Environmental Programme (UNEP) initiate an assessment of alternatives to current exposure standards and practices that could substantially lower human exposures to non-ionizing radiation.

UNEP is the UN’s “voice for the environment” and is uniquely positioned to take a planetary view of the potential for harm that EMF pollution presents to biology — the evolution, health, well being and very survival of all living organisms world-wide. EMF scientists are giving warnings about clear signs of adverse biological and health problems that are affecting people and nature. Now is the time to ask serious questions about this emerging environmental health crisis.

https://emfscientist.org/

 

This Thane man has produced zero garbage in the last 12 years

  • Sixty-five-year-old Kaustubh Tamhankar.
    Sixty-five-year-old Kaustubh Tamhankar.  Pics: Rupali Shinde/iamin
  • A poster on his house’s front door states ‘We Do Not Produce Garbage'
    A poster on his house’s front door states ‘We Do Not Produce Garbage’ 

Sixty-five-year-old Kaustubh Tamhankar has not made trash in the past 12 years. A poster on his house’s front door, infact, states ‘We Do Not Produce Garbage.’

“For the past 12 years, I haven’t produced any garbage. Not a single piece of waste paper accumulated goes into the dustbin,” says the Thane-based man, who fertilises waste at his home.

Tamhankar is making a big difference in his home by recycling. “My wife Sharyu is fond of cleanliness and that made me think of doing something on similar lines for the environment. I observed that waste goes from one dustbin to other and then finally to dumping ground, which ultimately produces air pollution after burning. So I thought of organising waste in a manner, that it will not harm the environment. For starters, I threw away all the dustbins I had in my house. Then, I began to segregate dry waste and wet waste. In my house, none of the family members throw away a single piece of paper, everything goes to the scrap dealers,” Tamhankar explained.

Tamhankar’s balcony has three bags, one for wet waste, other for dry waste and the last one to collect plastic. “Plastic is non-biodegradable. I own Tansa Pvt Company which deals with pipes. Therefore, for manufacturing and delivering purposes, I use these plastic bags for packing,” he added.

Tamhankar sells Avirat Patra (continuous processing equipment) for Rs 900. “This equipment consists one basket which is attached with triangular shaped filter. At the base level, there’s a small pot which collects fertilised soil. Everyday one has to put waste in the basket, and spray water on it. After 4 weeks, one gets fertilised soil ( compost). I have made this equipment and sell it for Rs 900 to interested buyers,” he said. Tamhankar has also written a book explaining the advantages of recycling. The book can be purchased at any cost. “Readers can pay me the amount they feel like. There is no MRP on the book cover. It is available in Gujarati, Hindi and Marathi languages.”

To get in touch with Tamhankar, call 9819745393

http://www.iamin.in/en/thane/news/i-haven%E2%80%99t-produced-any-garbage-12-years-says-thane-man-67195

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