thiruvadi

Tuesday, May 6, 2008

KENNEDY AND LINCOLN

KENNEDY AND LINCOLN - SIMILARITIES
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History Mystery Have a history teacher explain this----- if they can. Abraham Lincoln was elected to Congress in 1846. John F. Kennedy was elected to Congress in 1946. Abraham Lincoln was elected President in 1860. John F. Kennedy was elected President in 1960. Both were particularly concerned with civil rights. Both wives lost their children while living in the White House. Both Presidents were shot on a Friday. Both Presidents were shot in the head Now it gets really weird. Lincoln 's secretary was named Kennedy. Kennedy's Secretary was named Lincoln . Both were assassinated by Southerners. Both were succeeded by Southerners named Johnson. Andrew Johnson, who succeeded Lincoln , was born in 1808. Lyndon Johnson, who succeeded Kennedy, was born in 1908. John Wilkes Booth, who assassinated Lincoln , was born in 1839.. Lee Harvey Oswald, who assassinated Kennedy, was born in 1939. Both assassins were known by their three names. Both names are composed of fifteen letters. Now hang on to your seat. Lincoln was shot at the theater named 'Ford.' Kennedy was shot in a car called ' Lincoln ' made by 'Ford.' Lincoln was shot in a theater and his assassin ran and hid in a warehouse. Kennedy was shot from a warehouse and his assassin ran and hid in a theater. Booth and Oswald were assassinated before their trials. And here's the kicker... A week before Lincoln was shot, he was in Monroe , Maryland A week before Kennedy was shot, he was with Marilyn Monroe. Creepy huh? Send this to as many people as you can, cause: Hey, this is one history lesson most people probably will not mind reading!

DISCOVERY

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HEALTH INSURANCE IN INDIA

HEALTH INSURANCE IN INDIA
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India: Health Insurance In India
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24 April 2008Article by Neeraj Tuli
Even though the Indian health insurance market grew by 38% in 2006-07, only 1.08% of India’s billion plus population has medical insurance. The general perception is that the prospects for growth in this sector of the insurance market are good.
Background
Health insurance policies were first introduced in 1986 at a time when the Indian insurance industry was nationalised. The policies on offer were complicated to read and offered limited cover. There were no third party administrators operating in India, and there was no direct settlement of claims between health Insurer and hospital. There were therefore issues concerning claims servicing, which involved an Insured following cumbersome procedures to get claims authenticated and paid. The business was not profitable for the nationalised Insurers, and not popular with the public at large.
The original ‘Mediclaim Policy’, however, developed and in many cases has provided the base model for the health care insurance policies that were introduced immediately after liberalisation of the general insurance sector at the turn of the millennium.
Health insurance, however, saw no specialist players until relatively recently with the entry into the market of companies such as Star Heath & Allied Insurance and Apollo DKV Insurance. This is because there was a general expectation that the insurance industry regulator, the IRDA, would set a smaller capitalisation requirement for health insurers and/or amend the rules for foreign equity ownership in Indian Insurers in recognition of the fact that health insurance loss ratios were not good, and therefore finding an Indian partner to invest 76% in a health insurer would be a difficult task.
The IRDA did not, however, relax either the capitalisation requirements or foreign investments caps. Initially, therefore, the health insurance market did not grow as quickly as may have been expected.
Future Prospects
The generally optimistic perception for the growth of health insurance is certainly supported by the growth in the number of policyholders, but the profitability of this line of business remains an issue. The health insurance sector had a loss ratio of about 78% in 2003, which deteriorated to 98% in 2004-05. Currently, available figures suggest that the claims ratio stands at 110% - 120%.
Growth in policyholder numbers, more effective third party administration and an effective network of hospitals is expected to see the numbers improve. Other changes have been effected to encourage growth in this sector. For example:
Life insurers have been allowed to sell health insurance. Initially, life insurers were only allowed to sell certain types of health covers as a supplement to a life policy. However, the (IRDA) has allowed life insurers to sell pure health insurance products subject to product specific approvals.
The standard mediclaim policy has undergone several revisions and modifications. In recent years, private health insurers, such as Apollo DKV, have been offering fresh products with increased covers and sums insured.
The growing expense of health care in India. Private hospital rates are still low compared to the rates charged in more developed countries, but high when compared to average Indian earnings. It is no longer uncommon for Indian employees to now expect that health care will be part of an employment package.
With the opening up of the market to private competition, the claims process has become much less cumbersome.
Support for a health insurance market has also come from some less obvious sources. Indian states have started relying on insurance policies to meet some of their legal obligations to provide health care to their citizens. The central government has also proposed the introduction of free health care insurance for the poor. This plan is meant to cover every poor family for INR30,000 (c. US$750) per annum. The central government will pay 75% of the premium, leaving the remaining 25% to be covered by state governments.
The IRDA has also encouraged Micro-insurance as a means of extending the availability of health insurance to areas of the market that, geographically and economically, may not have been at the forefront of Insurers’ business plans.
The Legal Playing Field
At the same time as the market grows, the IRDA and the Courts are stepping in to create a more consumer friendly playing field, particularly as regards the treatment of senior citizens; the operation of the pre-existing diseases exclusion, and the reluctance of insurers to renew policies where the claims experience has been bad.
Senior citizens had been complaining about the reluctance of Insurers to issue policies to them, and the inclusion of disadvantageous terms when policies were offered – such as hefty increases in premium rates, added exclusions and conditions, etc. In May 2007, the IRDA set up a Committee on Health Insurance for Senior Citizens to make recommendations. Its members included representatives from the General Insurance Corporation of India, Oriental and Apollo DKV as well as others. The Committee reported in November 2007 and made the following main recommendations:
Senior Citizens should have some assurance that their policies will be renewed.
The Industry should adopt standard terms and conditions, such as for the definition of pre-existing diseases.
The Committee also said that policy wordings should be simpler for the lay person to follow, suggesting that uniform terminology be used by all Insurers to lessen confusion in the public mind.
The IRDA is still in the process of evaluating the Committee recommendations and none of them have been formally adopted, but there are indications of an indirect reliance on part of the Committee’s recommendations during the File & Use procedure. This is the process whereby a non-tariffed product is brought to market. It must first be filed with the IRDA, and only thereafter can it be sold. During the filing stage, the IRDA has been paying particularly close attention to exclusion clauses in general, and the pre-existing disease exclusion in particular.
The Courts have taken a similar interest. The Judgment in New India Assurance v Akshoy Kumar Paul was handed down by the Delhi High Court in November 2007 and has only recently been reported. The Court had to consider whether, on renewal, a state owned Insurer could refuse to renew or insert an exclusion clause if it did renew. The Insured had held the policy for 5 years, renewing it on 4 occasions. In the preceding year, he had suffered a heart attack. It was held that New India must renew, and the ‘renewal of an insurance policy means repetition of the original in a manner that the old policy gets revived on the same terms and conditions as were incorporated in the original policy’. The exclusion clause was not permitted.
Although it interferes with principles of privity of contract, the judgment can be justified by reference to earlier decisions to the effect that state owned Insurers have special obligations to act fairly because they are state owned and therefore an extension of the state. It remains to be seen whether the obligation to renew on the same terms will be extended to private Insurers.
Nevertheless, there is a clear pro-consumer trend in the Courts and at the regulatory level when it comes to health insurance.
The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.
Specific Questions relating to this article should be addressed directly to the author.

Monday, May 5, 2008

HOPE IN ADVERSITY

HOPE IN ADVERSITY
We are familiar with this tamil Proverb:இடுக்கண் வருங்கால் நகுக‌In Management Philosophy also we Know what is SWOTanalysis in which S=Strength, W=Weaknesse, O=opportunities, T=Threat. When there is threatto the very existence (through competitors, Government's new steps, war etc) it is wiser to work for converting Threatin to Opportunity-not only for survival but also to grow.Raju
On Sun, May 4, 2008 at 11:10 PM, Pathangi Srinivasan <pathangi_srinivasan@yahoo.com> wrote:

Hope in adversity One day a farmer's donkey fell down into a well. The animal cried piteously for hours as the farmer tried to figure out what to do. Finally, he decided the animal was old, and the well needed to be covered up anyway; it just wasn't worth it to retrieve the donkey. He invited all his neighbors to come over and help him. They all grabbed a shovel and began to shovel dirt into the well. At first, the donkey realized what was happening and cried horribly. Then, to everyone's amazement he quieted down. A few shovel loads later, the farmer finally looked down the well. He was astonished at what he saw. With each shovel of dirt that hit his back, the donkey was doing something amazing. He would shake it off and take a step up. As the farmer's neighbors continued to shovel dirt on top of the animal, he would shake it off and take a step up. Pretty soon, everyone was amazed as the donkey stepped up over the edge of the well and happily trotted off! Life is going to shovel dirt on you, all kinds of dirt. The trick to getting out of the well is to shake it off and take a step up. Each of our troubles is a steppingstone. We can get out of the deepest wells just by not stopping, never giving up! Shake it off and take a step up. Remember the five simple rules to be happy: 1. Free your heart from hatred - Forgive.2. Free your mind from worries - Most never happen.3. Live simply and appreciate what you have.4. Give more.5. Expect less "Great minds discuss ideas. Average minds discuss events. Small minds discuss people."--

Friday, May 2, 2008

HEART ATTACK - FIRST AID -

HEART ATTACK - FIRST AID

A NEEDLE CAN SAVE THE LIFE OF A STROKE பெசன்ட்

From a Chinese Professor.

Keep a syringe or needle in your home to do this...
It's amazing and an unconventional way of recovering from stroke, read it through it can help somebody one day.
This is amazing. Please keep this very handy. Excellent tips. Do take a minute to read this. You'll never know, ones life may depend on you.
My father was paralysed and later died from the result of a stroke. I wish I knew about this first aid before.
When stroke strikes, the capillaries in the brain will gradually burst. (Irene Liu)
When a stroke occurs, stay calm.
No matter where the victim is, do not move him/her.Because, if moved, the capillaries will burst.
Help the victim to sit up where he/she is to prevent him/her from falling over again and then the blood letting can begin.
If you have in your home an injection syringe that would be the best.
Otherwise, a sewing needle or a straight pin will do.
1. Place the needle/pin over fire to sterilize it and then use it to prick the tip of all ......10 fingers.
2. There are no specific acupuncture points, just prick about an mm from the fingernail.
3. Prick till blood comes out.
4. If blood does not start to drip, then squeeze with your fingers.
5. When all 10 digits is bleeding, wait a few minutes then the victim will regain consciousness.
6. If the victim's mouth is crooked, then pull on his ears until they are red.
7. Then prick each earlobe twice until two drops of blood comes from each earlobe. After a few minutes the victim should regain consciousness.Wait till the victim regains his normal state without any abnormal symptoms then take him to the hospital. Otherwise,if he was taken in the ambulance in a hurry to the hospital, the bumpytrip will cause all the capillaries in his brain to burst.
If he could save his life, barely managing to walk, then it is by the grace of his ancestors.
'I learned about letting blood to save life from Chinese traditional doctor, Ha Bu Ting, who lives in Sun Juke.
Furthermore, I had practical experience with it. Therefore, I can say this method is 100% effective.
In 1979, I was teaching in Fung Gaap College in Tai Chung.
One afternoon, I was teaching a class when another teacher came running to my classroom and said in panting,'Ms Liu, come quick, our supervisor has had a stroke!'. I immediately went to the 3rd floor.WhenI saw our supervisor, Mr. Chen Fu Tien, his colour was off, his ஸ்பீச் was slurred, his mouth was crooked - all the symptoms of a stroke.
Iimmediately asked one of the practicum students to go to the pharmacyoutside the school to buy a syringe, which I used to prick Mr. Chen's10 fingers tips.
When all 10 fingers were bleeding (each with apea-sized drop of blood), after a few minutes, Mr. Chen's > faceregained its colour and his eyes' spirit returned, too.
But his mouth was still crooked. So I pulled on his ears to fill them with blood.When his ears became red,
I pricked his right earlobe twice to let out two drops of blood.When both earlobes had two drops of blood each, a miracle happened.Within 3-5 minutes the shape of his mouth returned to normal and his speech became clear.
Welet him rest for a while and have a cup of hot tea, then we helped himgo down the stairs, drove him to Wei Wah Hospital. He rested one nightand was released the next day to return to school to teach. Everythingworked normally.There were no ill after effects.Onthe other hand, the usual stroke victim usually suffers Irreparablebursting of the brain capillaries on the way to the hospital.
Asa result, these victims never recover.' (Irene Liu)Therefore, stroke isthe second cause of death. The lucky ones will stay alive but canremain paralysed for life.
It is such a horrible thing to happen in ones life.
Ifwe can all remember this blood letting method and start the life savingprocess immediately, in a short time, the victim > will be revivedand regain 100% normality.
IF POSSIBLE PLEASE FORWARD THIS AFTER READING. YOU NEVER KNOW IT MAY HELP SAVE A LIFE FROM STROKE

Thursday, May 1, 2008

COFFEE-FOLLOW ITS EXAMPLE

Pathangi Srinivasan to Sriram, me, Padmanabhan, Rajaji, Bharath show details (Ist May 2008)
-A carrot, an egg, and a cup of coffee...
You will never look at a cup of coffee the same way again. A young woman went to her mother and told her about her life and how things were so hard for her. She did not know how she was going to make it and wanted to give up. She was tired of fighting and struggling. It seemed as one problem was solved, a new one arose. Her mother took her to the kitchen. She filled three pots with water and placed each on a high fire. Soon the pots came to boil. In the first, she placed carrots, in the second, she placed eggs, and in the last, she placed ground coffee beans. She let them sit and boil, without saying a word. In about twenty minutes she t urned off the burners. She fished the carrots out and placed them in a bowl. She pulled the eggs out and placed them in a bowl. Then she ladled the coffee out and placed it in a bowl.
Turning to her daughter, she asks, "Tell me what you see."
"Carrots, eggs, and coffee," she replied.
Her mother brought her closer and asked her to feel the carrots. She did and noted that they were soft. The mother then asked the daughter to take an egg and break it. After pulling off the shell, she observed the hard-boiled egg. Finally, the mother asked the daughter to sip the coffee The daughter smiled, as she tasted its rich aroma.
The daughter then asked, "What does it mean, mother?"
Her mother explained that each of these objects had faced the same adversity: boiling water. Each reacted differently. The carrot went in strong, hard, and unrelenting. However, after being subjected to the boiling water, it softened and became weak. The egg had been fragile. Its thin outer shell had protected its liquid interior, but after sitting through the boiling water, its inside became hardened. The ground coffee beans were unique, however. After they were in the boiling water, they had changed the water.
"Which are you?" She asked her daughter. "When adversity knocks on your door, how do you respond? Are you a carrot, an egg or a coffee bean?" Think of this: Which am I? Am I the carrot that seems strong, but with pain and adversity do I wilt and become soft and lose my strength? Am I the egg that starts with a malleable heart, but changes with the heat? Did I have a fluid spirit, but af ter a death, a break-up, a financial hardship or some other trial, have I become hardened and stiff? Does my shell look the same, but on the inside am I bitter and tough with a stiff spirit and hardened heart? Or am I like the coffee bean? The bean actually changes the hot water,the very circumstance that brings the pain.& nbsp; When the water gets hot, it releases the fragrance and flavor. If you are like the bean, when things are at their worst, you get better and change the situation around you. When the hour is the darkest and trials are their greatest, do you elevate yourself to another level. How do you handle adversity? Are you a carrot, an egg or a coffee bean? May you have enough happinessto make you sweet, enough trials to make you strong, enough sorrow to keep youhuman and enough hope to make you happy. The happiest of people don't necessarily have the best of everything; they just make the most of everything that comes along their way. The brightest future will always be based on a forgotten past; you can't go forward in life until you let go of your past failures and heartaches. When you were born, you were crying and everyone around you was smiling. Live your life so at the end, you're the one who is smiling and everyone around you is crying.
It's easier to build a child than repair an adult. This is so true - may we all be COFFEE.