Health insurance is not widely understood in India. Very few actually are aware of it, out of those who know about health insurance some think it is similar to Life insurance, which it is not. Others don’t know that mediclaim as it is known in India, only covers hospitalization charges not all health expenses. In this article, everything about hospitalization vis-à-vis insurance, like what it covers and doesn’t will be explained.

Health insurance Companies have defined terms like hospital, hospitalization period, domiciliary hospitalization so that there is clarity about what is paid and what is not.

Here are some of the common definitions and what they mean

1) Hospital means any institution in India established for the indoor medical care and treatment of patients and which either:

a) Is registered and licensed as a hospital or nursing home with the appropriate local authorities and is under the Supervision of a Doctor in attendance 24 hours a day and is not, except incidentally, a clinic, nursing home, rest home, or convalescent home for the addicted, aged, mentally disturbed or similar institution, or

b) Complies with at least the following criteria:

i) It has at least 10 inpatient beds;

ii) It has a fully equipped and functioning operating theatre;

iii) It has qualified nursing staff (any person who holds a certificate issued by a recognized nursing council) in attendance 24 hours per day;

iv) It has a Doctor who is in attendance 24 hours per day;

v) It maintains daily medical records for each of its patients

What it means: It means that you can’t just go to any hospital in your neighborhood or admit yourself in your General Physician’s clinic with two beds. Health Insurance Companies in order to ensure quality and standard care to the patients make these conditions mandatory.

So before you get yourself or someone near you admitted make sure these basic conditions are fulfilled.

2) Hospitalization period: Hospitalization expenses will only be paid if hospitalization is for more than 24 hours.

It means that a visit to the hospital does not result in a payable claim per se. You need to be admitted for valid reasons for more than 24 hours for the coverage.

Exceptions: There are number of treatments called as ‘Day Care Treatment’s which are covered even if they require less than one day of hospitalization. Some of these include- eye surgery, chemotherapy, tonsillectomy, surgery of throat etc. For the extensive list, read the policy wordings of the insurance company.

*There also might be a condition in some policies that these day care treatments need to be taken care of in Network Hospitals only.

What won’t be paid? There are some treatments that wouldn’t be paid in the first year of the policy even if they require more than 24 hours of treatments like Cataract, Hernia, Gastric ulcer, Dialysis of Chronic renal failure and internal tumors. Similarly there are treatments that wouldn’t be paid for in the first 2/4 years. For more extensive list see your policy wordings. 

3) Pre- Hospitalization expenses: These aremedical expenses relevant to the disease that results in hospitalization incurred during a period up to the number of days specified in this policy, prior to hospitalization for treatments of disease, illness or injury sustained as part of a claim admissible under the policy.

What it means:It means that you can claim all medical expenses that you undertook for the treatment before you were hospitalized, if the hospitalization is payable. Generally, all expenses incurred 30 days before the hospitalization can be claimed by providing proper receipts and reports required.

4) Post Hospitalization Expenses:These aremedical expenses relevant to the disease that resulted in hospitalisation incurred during a period up to the number of days specified in the policy, after hospitalization for treatments of disease, illness or injury sustained as part of a claim admissible under the policy.

What it means: It means that all the medical expenses incurred after the hospitalization can be claimed by the individual if the hospitalization is covered. Generally medical expenses up to 60 days from date of discharge can be claimed by the person after submitting relevant documents and receipts.

What all is paid?

a) Ambulance charges: Ambulance charges will be paid in case the person has to be shifted from residence to hospital in Emergency/ ICU or from one hospital/Nursing Home to another Hospital/ Nursing Home by registered ambulance only for better facilities.

It means that Ambulance charges will only be paid in case of emergency or when patient is shifted to other hospitals for better facilities.

b) Domiciliary treatment: Medical treatment exceeding three days for such illness/disease/injury which in the normal course would require care and treatment at hospital/nursing as in- patient home but actually taken whilst confined at home in India under any of the following circumstances namely:

i)  The patient is in such a condition that he/she cannot be removed to the hospital / Nursing Home. To know more about Understanding Hospitalization vis-à-vis insurance

Compare & Buy Best Health Insurance Policy

Usually when looking for clues on why just a few visitors are buying, most un-experienced web developers think that it only comes to how the site looks and probably are able to point other sites with cooler designs that convert better. But actually studies say that just having a beautiful site doesn’t guarantee the success: the website success is not measured by the unique content or the cool graphics, but by the conversion rate. And there are some important aspects that influence the conversion rate which we’ll try to explain in this article.

Would you refer the site to your family and friends?

If it’s not (only) about how good looking the site is, then improving the conversion rate is definitively about how easy the site is performing its expected function: if it’s a shop, how easy is to find products, read, understand and compare features and make the purchase? If it’s a portfolio site, how easy is to find what type of services have been performed, customer feedback and so on?

Usually what a lot of web developers are failing at, is understanding how visitors are different from themselves:

Web Developer(you)

you already know what the site is aboutyou know what the products doyou trust the productsyou know how things work in the site

Site visitor

follows a link that might be more or less accuratehas a need and doesn’t know what product can solve itneed to be convinced the product worksmight not understand how to use complex user interfaces

So to make first things first, you need to realize what is the expected site function and if it works: presenting the products, portfolio, selling, anything else that can be defined as a desirable action.

If the site sells something online, then a shopping cart that works is paramount. The design and usability of the shopping cart is important but even if you designed a cool shopping cart, if it doesn’t work with a potential client, doesn’t accept credit cards or doesn’t offer other possibilities for payment, then you are going to lose that client. You can learn more about how to design a shopping carthere

Sometimes offering too few details about your services or products could make you lose clients even if you have the greatest product ever. Simply the visitor will not know it’s the greatest product. Not very often, but it might happen, offering too much technical details instead of talking about the needs it’s going to cover could confuse a potential client.

Are you using a shopping cart? Does it work?Are you giving enough details or maybe you use too many detailsThe second thing that counts is the website usability

One of the most important aspects in acquiring clients is the quality of the products and services it sells. You can’t do much about these, but if the same product or service would be listed on 2 sites would you recommend yours to the family and friends?

With this thought in mind, make things as easy as possible, to the point you’re building the site for “dummy” visitors. If you are into building the “perfect” user interfaces but that’s adding complexity to the site usage, you’ve already created a failure path for the website.

Below are some usability tips you should look for:

A tagline is very important for clarifying immediately what the site is about, because it’s the first thing a visitor will see, it’s like a motto that represents you. Accordingly to online statistics you’ve got 8 seconds to capture the attention of the visitor and a well defined tagline should do the trick.

Hi. I’m a freelance web designer

Good day, visitor! Welcome to the portfolio of web developer John Doe

A site search might be a secondary path to resolve any usability issues the visitors might have: if it’s too complicated to navigate or to find what they are looking for, at least visitors get the chance to use the search option. A search option should be easy to use and should be placed on the top of your page especially to the top right corner.

Sitemaps are very important because of at least two reasons: one, sitemaps improve the user’s navigation inside the website. A sitemap can be a useful tool for a visitor that doesn’t like to browse to find the information he is looking for, especially in sites that from their nature or purpose have a complex structure. And second, a sitemap is very important for SEO. Creating a sitemap is highly indicated by Google Webmaster Tools because it helps the crawler to map the structure of the website.

Accordingly to usability tests, the majority of the website visitors “scan” a page before actually reading it. What that means is that if you don’t structure the content inside the pages and make it easier to read you’re going to lose visitors before they even begin to read the content.

Don’t design elements that have a complex functionally even if they seem to solve issues: they might confuse the user before helping him out. As a result you might lose users because they do not understand how to use the widget or how to interact with the website where a feature list might be easier to follow. At least, try to give tips if you want to use complex site functionalities.

Have you thought that the expressions and the terms inside the content might influence the conversion rate? Maybe the site language is too geeky for some of the users, or maybe you made a bad choice of words. You have to think about the impact of the content and how the readers perceive what you’re trying to say. Do you use a comfortable way of expressing your ideas or do the words give the readers a level of stress? You have to think about a friendly and relaxed way of telling ideas – that’s part of the usability too.

Add a taglineAdd a search option for the websiteCreate a sitemapCreate readable pagesAvoid complex elements and widgetsAre you writing in simple English to your audience?

You can read more about usability featureshere

Try to understand your visitors

Getting visitors is an important factor for the website’s existence. But understanding what they do and what stops of helps them to become buyers, makes the difference between a successful website and a website that just has a lot of hits. So the next step is to figure out the audience and its behavior.

Here are some tips (we covered analytics in the previous article):

Heat maps display the areas of a web page that are most frequently scanned by users. Using a heat map can help you determine which parts of the website are most used by the visitors.

Feedback forms and even small surveys can help you find out the needs and wishes of the visitors and clients. More advanced techniques are to provide content based on the visitor profile and actions – the so called behavioral targeting: (having different content depending on the language or based on the point of entry, most visited pages and so on). You can read more tips about your audiencehere

You made a visitor interested into the products or services and he is ready to buy. Do you have a clear way of communication? A contact page, with physical address, a phone number or an e-mail placed in the right spot? As an usability thought try to avoid using capcha inside a contact form.

Implement a heat mapInteract with the visitorsDo you have a clear way of contact? Direct physical address, e-mail, phone.Sometimes they do not convert at the first visit, but:

Newsletters are very important to keep in touch with your readers and also are a great way to promote your products. If you think that’s old school, then go the social way with additional things attached to your site: facebook pages, are so easy to do!

Having a good site is not enough. Users want more from their online experiences: special deals and coupons are old school but they work well; and there are some other ways to give them reasons to come back: tutorials, articles, guides.

Nobody likes to wait for a website to load. And having big size images or scripts that take a long time to load make a visitor unhappy so he will probably leave before he will even see your work. There are programs likeYslowto help you optimize your files. I have written also anarticle about optimization tips.

Do you have a newsletter, facebook page, twitter or other ways to stay in touch with the potential customers?Did you gave reasons to your visitors to come back?Have you tested your website for loading time, visibility on different browsers? What about mobile usage?

Later edit:

- here is an interesting article from Smashing magazine aboutunderstanding the site audience.

From the beginning of time, men and women have tried to find ways to understand each other. Like the saying, Understanding the opposite sex men are from Mars and women from Venus. The truth is that they both belong on Earth and are not so different that they be deemed as aliens.

Women complain that men just don’t understand while the men lament on the way the fairer sex goes on and on about any given issue. So what is it that makes men and women so different? To begin the process of understanding the opposite sex, an open mind is required.

Despite the obvious physical differences, nature plays a minor but important role in the distinct manner in which men and women behave. It is, in fact, the gender stereotype that children are brought up with that guide their understanding of how they should behave and their expectations of the opposite sex. While boys are encouraged from a tender age to be more action oriented and analytical in their approach in play and work, girls are taught by example and in play to take on a more nurturing role. It is quite possible that you and your partner are not so very different, but your perception and expectations of him or her may be at polar opposites. All through history as well as in contemporary times, men are encouraged to be confident, fearless, and unwavering. Thus groomed to have a fair amount of space in personal relations they have trouble with complete intimacy. On the other hand, women are socialized for intimacy.

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The physical difference in the sexes and complementary hormonal difference also effects behavior. Interestingly, scientists have found that male and female brains do not grow in the same manner. In a baby girl’s brain, the left half of the cortex, which controls thinking, develops faster than in boys. Both sides of the brain interact better in girls. The male brain is about 10-15% larger than its female counterpart. In infancy, the right side of a male’s brain is better developed than the left and this leads to better spatial abilities and awareness. Understanding the Opposite SexAcceptance: Society places different stereotypes and behavior patterns on the two genders and while this is learned behavior, it is vital to remember that it is very difficult to change.Bringing down expectations: Perhaps most of us find the opposite sex so different, not because they are so in reality, but because they are quite different from our expectation of a life partner.

There really are not too many prince charmings or princesses around. Both sexes usually have too many expectations of their partners and a rift between expectation and the real person is what causes problems. Men are taught to maintain their distance while women provide nurturing and prefer complete intimacy. Understanding this and meeting half way would make a world of a difference in any relationship. Everyone likes to be romanced: Often the burden of adding romance to the relationship lies on the man’s shoulders.

The truth is that romance is all about letting the other person know how appreciated he or she is and how special they are. : Men tend to think in terms of action while women think in terms of emotion. While communicating, phrase your questions in a manner to help bring out what you are thinking and feeling. : Pay attention to what your partner is saying. In case of any doubts, question and clarify the issue. to what is actually being said and not what you “think”‘ is being said. For instance, when a woman discusses a problem at work with her partner, she usually wants him to listen and understand how she is being affected by the situation instead of giving advice about how to solve it.Space: Give each other enough to grow and maintain their individuality.

Naturalism is a more recent movement in the literary circle (compared to classicism and romanticism) that strives to depict believable everyday reality as embodied in the works of the foremost literary figures in naturalism, French writer Émile Zola.

The Evolution Theory of Charles Darwin provides the greatest influence to naturalistic writers. That is why stories from naturalistic writers espoused the view that one’s bloodline and environment determine a person’s character. Realism presents the character exactly who he or she is. Naturalism, on the other hand, goes beyond this by depicting objectively the determining forces such as environment and heredity that help shape the individual’s actions. Realism is similar to naturalism though in the sense that they are in direct contrast to romanticism.

Realism also focuses on literary technique. Naturalistic works, on the other hand, are characterized by philosophical pessimism that enables them to depict human beings in an impartial and objective way without moralizing.

Critical Trends

Critics believe that to define a literary period with descriptive terms such as classicism, romanticism and realism serves as a good point of reference. Sometimes, the word though becomes confusing such as calling a writer realistic. This would require coming up with criteria to be able to distinguish and determine realistic writers from other writers.

American naturalism, as a concept, uses two direct approaches in its definition. The first is that naturalism as an outgrowth of realism and taking the same direction as realism, it simply continues realism but taking a different method. The second approach is the difference that identifies naturalism from realism.

The biggest difference between realism and naturalism as agreed upon by most critics agree is the philosophical bent in the works of the naturalists. Due to this, American naturalism is being viewed as basically realism with an added gloomy determinism.

Critics of American literary naturalism often broached the subject with some hesitations. Naturalism as a literary movement is broad and varied ranging from stylism attributed to Crane to the anti-stylism approach of Dreiser.

Critics often view American literary naturalism with veiled antagonism. During the early years of the naturalism literary movement, critics saw it as a literature not related to American values and interests. “We must stamp out this breed of Norrises,” a reviewer of McTeague cried in 1899.

Currently though hostility towards naturalism are more implied rather than using the direct approach. Critics often examine the origin of naturalism in late nineteenth-century then proceeds with Zola and the post-Civil War industrial growth. American writers in the 1890s were inspired by contemporary science which was successfully embodied in Zola’s writings. Critics though were undecided on Stephen Crane, Frank Norris, and Theodore Dreiser’s naturalistic approaches since they seemed confused and their naturalist fiction inexpertly done.

American naturalism gained wide acceptance in the early twentieth century as critics to American literature no longer feel the need to examine and defend the attempt as Bliss Perry experienced in 1912. The American mind seems to provide its own unique definition and interpretation of Naturalism.

Take Stephen Crane for instance. Stephen Crane’s MAGGIE: A Girl of the Streets embodies naturalism literary movement in America. Crane wrote to his friends that Maggie tackles the influence of environment to lives. But Crane’s romantic individualism style of writing seems to go against the definition of naturalistic writing. Crane’s strong verbal irony is not an embodiment of naturalistic fiction. So does his symbolism of Maggie as the pure soul amidst corruption. These have enabled Crane to earn him the reputation of being a romantic naturalist which in itself is a great irony. This, of course, leads to a unique American interpretation of naturalism.

Frank Norris’ defines naturalism as a fusion of realism and romanticism. Romanticism and realism are opposite approaches. Romanticism sees the ideal, realism, on the other hand, provides everyday happenings. Naturalism then is a cross between the two. It is realism in the sense that it presents real-life happenings but it also probe the inner life of a person as embodied by romanticism.

Conclusion

Naturalism is a literary movement derived from Realism. But it seeks not only to depict real life but also to probe deeper than the surface, a characteristic reminiscent of romanticism. Due to this, naturalistic writings often depict pessimistic determinism. The philosophical slant in naturalistic writing as exhibited by its known writers Crane, Norris, Dreiser and London provides naturalism an identity uniquely its own.

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Calling Men can be a great information to train you ways to keep your guy interested in talking to you personally if you communicate to him about the mobile phone. It doesn’t just let you know some phrases or crucial words, it consists of a lot of valuable procedures about how you can set up a lasting relationship using the guys you like.

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