Tackling Arthritic Pain for Better Comfort

Arthritis can be a very painful and uncomfortable condition, causing inflammation in and around your joints. At its worst, arthritis can be debilitating and leave you in a lot of pain and limited to what you can do. It’s a common condition, and although some might associate it more with senior citizens, it can impact people at younger stages in life too. If you or someone you love is suffering from arthritis and you would like to try and help them to become more comfortable, here are a few tips that could be useful in managing this pain.

Look at Lifestyle Choices

How you look after yourself each day and have an impact on your arthritis, so it’s a good idea to start looking at your lifestyle choices first. Maintaining a healthy weight so that you’re not putting additional pressure on your joints is key, and if you do smoke, this could aggravate your tissue and increase arthritic pain. Therefore, it’s worth thinking about quitting smoking for this, if not for all of the other health benefits of doing so. You should also make sure you’re engaging in gentle exercises and keeping your joints moving, but be mindful of your limitations, so you don’t push too far and cause your arthritis to flare up.

Speak to Your Doctor

If you have noticed that your pain is getting worse, you should bring this issue up with your doctor. They may be able to prescribe you something for the pain if it is significant enough or give you some further advice on what you can do at home for some holistic remedies and pain management.

Pain Relief Medications

Your doctor might prescribe you something if the pain is significant enough, but otherwise, you can look at some over-the-counter medications with anti-inflammatory qualities instead. If you are starting to notice you are relying on these medications regularly, however, do speak to your doctor as this could result in other health issues, or you may need something stronger if they aren’t being effective.

Natural Remedies

If you would like to try some natural remedies for pain relief rather than over-the-counter medications, you could try CBD oil or gummies as this has similar anti-inflammatory powers and has been used to treat pain caused by various conditions. See your guide to CBD gummies in the UK for further information on these products. You could also drink more green and ginger tea, take turmeric capsules, or use aloe vera to help soothe your pain. If you are unsure about any of these methods, again, speak to your doctor for further advice.

Hot and Cold Applications

Another way you could try to alleviate some of the pain you experience with arthritis is through the use of hold and cold applications. For example, a hot bath or shower can help ease muscle pain or use heat pads on the affected areas. Just be mindful that you are not using too much heat as this could risk burns. Ice or cold compresses can be useful, too, particularly in helping to reduce inflammation. You might find this more useful after exercise that has caused your arthritis to become aggravated.

If you or someone you know has arthritis, and you would like to manage the pain better for a more comfortable life, consider these suggestions and see how they can help.

 

How a breakfast smoothie can set your day up right 

Life in the northern hemisphere can be tough at the best of times, particularly when the nights start drawing in. But even at the height of summer, it’s not unheard of for the sun to be absent for large parts of the day. The absence of good weather is known as Seasonal Affective Disorder (SAD), which is a depression that is most acutely felt in the winter months. People with SAD suffer from fatigue, low mood, and antisocial feelings. So, how can you set your day up right when the weather isn’t doing its thing? 

Exercise 

Getting plenty of exercise will boost your levels of serotonin and other feel-good brain chemicals. You should spend as much time as you can outside, particularly in the morning, as this will top up your levels of Vitamin D and boost your overall mood.

Socialise 

Even if you feel like crawling up and staying under the duvet, socialising with your friends is an excellent way to lift your mood. Give your best friend a call or find ways to meet new people. You could join a walking or running club, for instance, so you can exercise and socialise at the same time.

Enjoy a breakfast smoothie 

Rustling up a delicious breakfast smoothie can also help you improve your mood when the sun isn’t shining. Some winning combos include:

  • Blueberries & raspberries – they provide your Vitamin C fix, which can help to reduce levels of stress.
  • Oats & bananas – This combo provides you with an ideal level of slow-release sugars. They boost your feel-good serotonin, too, which provides you with decent energy levels without dipping in the afternoon. Bananas also contain mood mellowing tryptophan, potassium, and magnesium, which can help you relax.

So, instead of starting the day with a meat feast or sugar-rich cereals, consider turning to a nutrient-packed breakfast smoothie to start the day with a bang and stave off some of those blue feelings that you’re struggling to shake. You can pick your own bundle with Lovestruck to get started today or browse through their collection to find the dream breakfast smoothie option to start your day the right way.

How to Prepare to Breastfeed

Breastfeeding is the most affordable method of baby feeding and according to WHO data, more than 50% of all kids under the age of six months are exclusively breastfed. It’s proven after hundreds of researches that breast milk is an optimal and safe product for newborns.

But, you don’t have to be worried if for some reason breastfeeding doesn’t work for you, your little one will get all the necessary trace elements, and antibodies that protect it at the stage of development with the properly selected European baby formula. If you are stuck on this article,  you are looking for the basic tips on how to get ready to breastfeed. Here are the basic rules that will ensure your successful lactation:

Breastfeeding from the First Hour of Birth

It is better to put a baby on the breast 20-30 minutes after birth, but not later than two hours. The point is that a kid needs to receive the first milk called colostrum because it’s more nutritious than regular milk.

Schedule

It’s recommended to feed a baby at intervals of no more than 2 hours from the beginning of the previous feeding.  It is not necessary to wake up an infant, you can put it to the breast and it can eat sleepily. The regime will be developed gradually. It will be useful at first to record the time of feeding on paper, so you can plan your day, taking into account food-taking procedures.

Only Milk up to 6 Months

During the first half of the year, a newborn receives all the nutrients and water it needs only from breast milk. Therefore, it does not need to be additionally given with water or tea, even in the heat. Any extra fluid during the first six months of life will reduce the baby’s weight and reduce the mother’s milk production. Of course, there are cases when it’s not possible to feed a kid exclusively on breast milk, so parents are looking for alternative solutions. For example, if a kid is at risk of cow milk protein allergy, then it’s recommended to use a hypoallergenic formula such as HiPP HA.

Night Feeding

The peak production of the hormone prolactin, which directly affects lactation, is at night. Simply put: at night the mother’s body is given a signal of how much milk to produce for a child for the next day. That’s why night feedings are so important. A night break of no more than 4-4.5 hours is permissible, so enough milk will be produced.

Breastfeeding Position

Read about breastfeeding positions beforehand. After birth, try to feed in different ways and choose how you are most comfortable and you are relaxed. You can feed an infant lying down or sitting with a pillow on the lap.

 

How a BSN Degree Can Accelerate Your Nursing Career

If you’re the type of person who is always doing their bit to help others and want to make a positive impact, your calling in life may be nursing. Whatever role you go into, a career in nursing can provide a great sense of accomplishment, knowing your hard work and efforts go into helping those in need.

For those who already work as an RN (registered nurse), there may come a point where you’re after bigger and better things. If this is the case, you will need to obtain additional credentials to climb the career ladder, such as a BSN degree. Here are some of the ways a BSN degree can elevate your nursing career and open new doors.

Advanced Job Opportunities

One of the greatest things about a BSN degree is that it can open more employment doors. Like with many nursing roles, particularly management ones, applicants must have a BSN at a minimum to apply. If you like the idea of going into a managerial position, you will need to put the work in and gain qualifications to be accepted and taken seriously.

Once you study for a BSN degree and pass with flying colors, there are advanced job opportunities to take advantage of. For those who want to move away from basic clinical care, you must obtain a BSN degree first. Nurses who study for a BSN degree tend to have more professional selection regarding interesting specialties within the nursing world. These include oncology, pediatrics, and surgery.

Increase in Salary

In life, having financial security is what many of us aim for. If you are already in a nursing career, you may not be satisfied with your current salary. While money shouldn’t be the number one factor, when it comes to keeping the bills paid and a roof over your head, you may want to look into other roles within nursing that pay better. To secure a higher-paying position, you will need to obtain a BSN degree first.

As you enroll on a BSN program, not only will you have more job opportunities to take advantage of, but many of them also come with an attractive salary. In fact, when compared to candidates without a BSN degree, those with one can earn up to $20,000 more annually.

Become a Better Communicator

In nursing, knowing how to effectively communicate with patients and their families, alongside your peers is mandatory. While you will have learned the art of communication during your time in nursing school, should you study for a BSN program, you will learn additional skills that will help you become a better communicator.

Throughout your BSN program, you will have opportunities to engage with fellow students and industry experts who can share their knowledge and wisdom. As you gain more of an insight into nursing, you will feel more confident in your abilities and be able to take on new challenges without worry.

Quality Care

As an RN, there are only so many skills you will have mastered. This means while you will provide the best care possible, those with a BSN program typically provide better patient care. There has even been research that indicates those who go into higher education in nursing make a significant difference in terms of medical outcome. For instance, nurses who study for a BSN program encounter higher success rates with patients, as well as lower failure-to-rescue and mortality rates.

One of the main reasons people go into nursing is to do everything they can to keep patients happy, healthy, and safe. Therefore, if you want to deliver expert care and support and make a positive impact, it makes sense to study for a BSN degree today.

Legal Necessity

If any of the above hasn’t convinced you already to study for a BSN, you may find the program becomes a legal necessity in the near future. In fact, many state legislators have already decided this. In Rhode Island, New Jersey, and New York, bills have been introduced which require current registered nurses to earn their BSN degree within 10 years in order to carry on practicing While none of the states listed have approved this requirement yet, it’s said to be inevitable.

While the legislation may not come into force for many years, if you want to be secure in your nursing role and not worry about losing out, it’s wise to earn your BSN now, rather than having to rush to get it later down the line. Should you hold off, you may find you have to look for alternative employment.

Flexibility

For those working in nursing already, the idea of studying may put you off. With long hours at the hospital, you may simply not have the time to commit to an in-person course. Thankfully, Baylor University offers an accelerated BSN program online. This can be completed within 12 months and can help propel your nursing career forward. One of the main advantages of studying for your BSN online is that you can learn at a time and pace that suits you.

To get the most out of online learning, you will need to allocate time specifically for your studies. After a long and tiring day nursing, it’s wise not to get behind your computer screen and start learning. To succeed in your BSN degree, you will need to learn self-discipline and fit the modules around your work and personal life.

As a registered nurse, you may be toying with the idea of getting your bachelor’s degree in nursing. Of course, you’ll need to invest a large chunk of your time and money into the program, which means any decision shouldn’t be taken lightly. However, if you aspire to move into higher-ranking positions within the nursing sector, studying for a BSN degree makes sense.

Before you commit to a BSN, ensure you read the course specifications in full, understand the entry requirements, fee structure, and pick a specialty in nursing that aligns with your future career goals.

 

Dental Cosmetic Treatments for 2022

The world of cosmetic treatments has continued to grow and there is no stopping it now. Whether you want fuller lips, a cut jaw, or fat moved from one area of your body to another, there is a procedure that can do it.

Other cosmetic procedures that have started to make a real appearance include dental cosmetic procedures.

If you are interested in what dental cosmetic procedures will be popular this year, then keep reading to find out more.

Dental Implants

Dental implants are a great option for those who are missing teeth for whatever reason and want the most natural option or as close to the real thing as possible. Dental implants can, of course, have a practical element, as people still need to be able to chew their food. However, some implants are important for maintaining your smile and your confidence. An example of this could be if you knocked out a tooth that sits along your front, or you have to have a tooth taken out that gives you a noticeable gap in your smile. This is where dental implants can help maintain a natural tooth appearance and give people a rise in self-esteem, leaving them smiling again.

Composite Bonding

Composite bonding has definitely become a firm favorite of many and can give you that uniform, glossy smile that many people love. Composite bonding can be particularly great if you have had a chip in your tooth, your enamel has worn down, or your tooth has worn down. You also might have composite bonding recommended to you if you have severe discoloration that cannot be lifted with the usual cleaning or that is caused by cavities and fillings.

This is a great option to restore the tooth that is much less invasive than veneers and less hassle than crowns.

Veneers

Veneers have made the top of the beauty trends for the past couple of years for their perfect princess and prince smile style. Many people want a smile makeover, and if you are going for a complete overhaul, then opting for veneers is the closest you will get to start from scratch without removing all of your teeth, which is, as you can imagine, not recommended.

Veneers are one of the more serious options for cosmetic dentistry, and your dentist should go through everything you need to be aware of, including maintenance and potential complications. Your teeth are an extremely important part of your body that you can’t grow again, so be sure to go to an experienced professional dentist for treatment and not cut corners. Google Cosmetic Dentistry Near Me for more information and to find a reputable company that puts your teeth first.

Teeth Whitening

Teeth whitening is one of those classic dentist cosmetic procedures that will most likely be around for years to come. As time passes, whitening techniques become more advanced and safer, meaning you can brighten up your smile with fewer risks and sensitivity than before. Great for those who have got excessive staining on their teeth.

 

4 Tips For Addressing Back Pain

When your back hurts, there’s just about nothing worse. It can be difficult to sit, stand, and even think. Back pain doesn’t seem to spare anyone from it’s curse, either. Whether you are retired, or still in your 20’s, anyone can experience back pain at some point.

Despite how much pain you might be in, the good news is that there are methods for relieving your pain without making yourself suffer any further. Here are some of the best tips for addressing your back pain, and promoting a healthy back.

Walk Around

Believe it or not, even though you might think the best thing for you right now is to stay in one place and not move, the reality is that moving around may be much better. Walking around the block at a comfortable and even pace will help ease your pain, and loosen up your muscles. The longer you stay in one place, the more you will continue to tense up.

This doesn’t mean you need to go run a marathon, however, moving your body can be helpful for loosening up the aches and pains. If you work an office job, try to stand up every few minutes, and stretch before walking a bit. The most important thing is to avoid static posture for too long.

Get Plenty of Sleep

At the end of a long day, it’s important that you give yourself plenty of rest. During that time, your body will have time to regenerate itself, and your muscles will be relaxed. Ideally, you should have a high quality mattress that supports the natural curvature of your spine. If you have an older mattress that isn’t supporting your back the way it should, it can worsen the problem. Although mattresses can be quite an investment, it’s well worth it when you consider not having to be in pain anymore.

Meditate

Meditation has the power to completely transform our bodies. By repeating a mantra such as “I am healthy, and my body is feeling better every minute,” you can actually change the way that your brain perceives pain. The great news is that meditation doesn’t require anything fancy like a yoga mat, or even a candle. It can be done from the comfort of your home, by simply closing your eyes, and taking deep breaths. The most important thing is that there are no other noises or distractions around so that you can focus on your breath and thoughts.

Take a Hot Bath

Taking a hot bath, or going in a jacuzzi can substantially ease your pain. Not only does the buoyancy help relieve the pressure from your spine, but it’s also incredibly relaxing for your muscles. If you experience back pain regularly, then you may want to consider incorporating a daily bath into your lifestyle!

 

Cannabis: the new aphrodisiac for more pleasure

Oysters and chocolate have always been known as the best aphrodisiac to improve the time in pleasure and have a better experience than before. The two being the most popular ones, often chosen by people but seldom people study about other consumables, and edible items are substances that can act as an aphrodisiac and give better results. If you are still confused about what it can be, then it is none other than Cannabis.

People who are have consumed Cannabis before have tried the effects of Cannabis when having sex. they noticed a major difference between the time when they did not consume Cannabis before having sex and the time when they did. Often people would tell you how the consumption of Cannabis increases their lasting time. People also quote that consumption of Cannabis might be related to relaxation. So when you feel relaxed and your mood is light, you will automatically feel better. So when you dive into the Act, you are completely in a state of relief and focus only on the Act, and you are having pleasure the more pleasure you have, your brain is wired to you to take as much of it as possible hence the duration of the process increases a. When the duration is increased and you last longer, you are definitely bound to have a better orgasm.

Suppose you think that it is only their users that claim this fact. In that case, you should know about different studies that have been done on the benefits of Cannabis consumption. one of its benefits is how you can be in a state of relief on consumption which allows you to have a better sex drive. Many studies and researches have shown that 68% of the people who use Cannabis as an aphrodisiac have claimed to get better results than the time when they have not depended on any kind of prior food indulgence. Many studies have also revealed that different strains are also dependent on how your body reacts at the time. If you are not into smoking or vaping these strains, even then, you have certain options to get Cannabis in your system. Often people who do not like smoking or vaping go for Cannabis-infused products. and since people have come across the fact that Cannabis can act as an aphrodisiac, they have included edibles like Stoney gummies bears, Rave gummies, etc. The purpose of taking these edibles has always been to experience the pleasure that people can get.

How can strains affect your drive?

Suppose there is a time when you want to relax after a stressful day at work, or you just want to relax your body on the weekend to be ready for the next day. For this, there are many streams that can help. People often consume certain strains to relax their minds and body. While consumption of certain strains relaxes your body, they also induce sleepiness and lethargy in your body. So if you are looking for some action, your body is in sleep mode, so it won’t be able to react the way it should. It is very important that you properly study about the strain before consuming it. Some strains are known to give you body-high while some give head- high. What kind of a strainThis is why the strain that you consume is very important. You must look for the after-effects of the strain that you are consuming so that when you consume a strain to have the best sex, then a strain that induces sleepiness is a strict no-no!

How long before should you consume it?

When you consume a strain or edible like the nerds rope edible effects can vary. The time of effects showing up depends on when you are consuming, how much quantity you are taking, and how you are consuming it. For example, if you consume Cannabis orally, it might take a little time to kick in, but if you are smoking then, you can feel the effects very fast. Since this article is talking about an aphrodisiac and consuming it, We will focus on the edibles. The basic problem with edibles is that when you ingest, it has to go through your system before the properties of Cannabis are extracted and spread in your system.

When the edibles are consumed, they have to first break down in your stomach and go through your digestive tract. Once it is digested, the properties are extracted and enter your bloodstream. Only after they are in your bloodstream will you experience the effects of Cannabis. With smoking and vaping, they are instantly absorbed by your system; it will take almost 10 to 20 minutes to experience the effects. When you are consuming the edibles, you will have to wait some time between 30 minutes to 2 hours. Hence you can plan your Act accordingly.

Takeaway-

There has been very little knowledge about aphrodisiacs among people. Even the ones that people know are very common and are the only ones that people believe and help them with their sex drive. But it is not true, there is not one, but hundreds of food items which are consumed together can boost your energy and libido. It affects your mode and strength, so it lasts longer and has a good overall experience. Some of these aphrodisiacs also affect your strength, so you feel more energetic and active when you consume them. One of the aphrodisiacs that people often don’t know much about is Cannabis. Talking about Cannabis, you must try your next session with your partner only after consuming it. Think about us when you notice the difference.

The Top 5 Reasons Why You Should Book To Have Your Cataracts Removed

Although you may have been diagnosed with having cataracts several weeks or even months ago and your doctor advised that an operation to remove them is the best course of action, it is common for people to delay the procedure due to worry and concern.

There are many amazing benefits to having your cataracts removed. The best part is that the actual cataract removal procedure takes only ten minutes from start to finish.

With that being said, continue reading to discover the top five reasons why you should book to have your cataracts removed.

Your Eyes Will Become Much Less Sensitive To Light

Especially for people whose cataracts are growing on the back of their lenses rather than the front, cataracts can cause extreme sensitivity to daylight and natural light.

The cataract removal surgery will drastically reduce and, in some cases, even entirely eradicate the pain and discomfort from bright lights.

Colors Will Become Substantially More Distinct

Whether your cataracts have been present in one or both of your eyes for a long time now, or you have been diagnosed with them relatively recently, your vision will steadily become more and more tinged with a dark yellow or brown tone.

After surgery, you will find that a plethora of different shades of colors will become perceptible that you simply weren’t able to distinguish between before.

Your Eyesight Will Be Protected & Preserved For Much Longer

Although slightly disturbing, the fact of the matter is that if you neglect your cataracts and refuse to have them safely removed, then, eventually, your cataracts will cause complete and utter blindness.

People who are considerably more prone to suffering partial or even total blindness due to the growth of cataracts are those with a family history, females, and people who are over the age of sixty.

Both Surgeries Are Arranged In Quick Succession

If it has been discovered that you have cataracts in both of your eyes, you can rest assured that you will have two separate procedures arranged for you, and it is incredibly rare for a patient to have cataracts removed from both eyes at the same time, however, your surgeries will be as close together as possible.

Your Emotional Health & Wellbeing Will Improve

After cataract surgery, it is not just your physical health that will instantly improve, but that of your mental health and wellbeing as well.

Pain, discomfort, irritation, and restricted vision all caused by cataracts can severely affect the enjoyment of daily activities and the pursuit of hobbies. After the recovery period of your operation, you will be compelled to confront life with a renewed sense of vigor and increased energy levels.

In addition, it may even be possible that you have canceled or declined invitations to theatres or parties due to your restricted vision, meaning that after surgery, social life will also be richer and you will be more inclined to enjoy yourself.

 

Strategy for Success: How to Make Your Weight Loss Goals a Reality

Fad diets and popular weight loss programs might seem like an ideal way to shed pounds, but they may hold you back on your journey to success. If you’re eager to lose weight and restore your confidence, a low-calorie, balanced diet with increased physical activity will provide a foundation for success.

Yet, there are other healthy habits and tactics you can adopt to speed up the process and turn the diet into a lifestyle. Continue reading to learn how to make your weight loss goals a reality.

Assess Your Needs

Reach and maintain your desired weight by assessing your current needs. To make permanent changes to your lifestyle, you may need to adopt the right mindset, receive support, and eliminate various stresses.

Before you start, pinpoint your motivation to lose weight. If you’re shedding the pounds for others, you might struggle to stick to a diet long-term. It is crucial to losing weight for your own needs, such as boosting your self-esteem, improving your health, or increasing your energy levels.

Consider if you’re distracted by other pressures in your life, too, such as social obligations or a demanding career. If so, you might need to look for healthier ways to spend time with friends or pack healthier meals and snacks for work.

Also, you may need support from others during your weight loss journey. For example, you might find it beneficial if your partner adopts a healthier lifestyle with you, as they will be less likely to tempt you to indulge in fatty or sugary foods and may keep you accountable. Another option is to seek advice from a doctor or nutritionist to manage your stress levels or create a diet plan.

Make Simple Swaps

Lowering your daily calorie intake could help you slim down and improve your general health. Remember, reducing calories doesn’t mean giving up delicious meals and snacks, either. A few simple changes to your lifestyle could help you achieve your weight loss goals at a quick rate.

For example, you could swap your morning sugar-filled coffee for a smooth cup of green matcha tea. It will boost your metabolism, burn calories, and increase your energy and focus. Find the antioxidant-packed drink from a reputable green matcha tea store.

Another healthy option is to swap meat for more plant-based foods. However, if you hate the idea of giving up meat, swap red meats like steak and pork for poultry, as it is leaner and healthier.

Forgive Yourself

No one is perfect, especially when following a long-term healthy diet and exercise plan. There could be days throughout the year when you might indulge in a chocolate bar, treat yourself to a restaurant meal, or enjoy an extra glass of wine or two with friends. Rather than berating yourself for the slip-up, forgive the mistake and remember you can’t be perfect 100% of the time. If you follow a healthy lifestyle 80% of the time, you can trust weight loss and improved health will follow.

 

Top 8 Factors Affecting the Cost of Family Health Insurance

Buying a health insurance policy is one of the most practical ways of accessing the best medical facilities while coping with the dramatically-rising healthcare costs. Health insurance also offers tax benefits. Nowadays, consumers prefer purchasing family health insurance plans to have a safety net during medical emergencies affecting any member of their family. The insurance premium is a crucial criterion for most people when choosing an insurance plan. The guidelines of every insurer for calculating the insurance premium may vary. Here are eight key factors that affect the cost of family health insurance policies:

1) Age

Age is one of the most crucial factors influencing your insurance premium. As a general rule, the younger you are, the lower the premium. Typically, people in their 20s or 30s are less vulnerable to contracting illnesses than those in their 60s. The former also recover faster. Ergo, it’s ideal to purchase a health insurance policy when you’re younger. When looking at health insurance plans for your family, consider buying a senior citizen policy for any of your family members who are more than 60 years old.

2) Pre-existing illnesses

A few insurance companies require customers to undergo a medical check-up before finalising the premium to verify the presence of pre-existing conditions and determine the risk associated. While some insurers allow pre-existing illnesses but enforce a waiting period, some reject the application altogether. You may also find insurance providers who provide coverage for such conditions without a waiting period but charge a higher premium.

3) Occupation

While no one can be denied health insurance coverage based on their profession, the nature of your occupation plays a minor role in determining your insurance premium. People exposed to risky elements in their line of work such as members of the armed forces, construction site employees, individuals exposed to radiation/hazardous materials, or the like have to pay a higher premium than someone working in safer environments like schools. This is for the simple reason that individuals working in high-risk environments are more likely to suffer from life-threatening illnesses.

4) Sum insured

Sum insured refers to the maximum amount you can claim during a medical emergency. A higher sum insured means a higher policy premium. However, having a health insurance policy with a high sum insured is helpful during medical emergencies as you have better financial safety. This is another reason that makes group insurance policies such as those for families better since the sum insured of individual health insurance is usually on the lower side.

5) Smoking habits

Smokers are more prone to making health insurance claims as they are at higher risk of developing chronic lung diseases, infertility, and the like. Considering these factors, insurance companies charge a higher insurance premium from smokers than non-smokers, irrespective of their gender.

6) Body mass index (BMI)

Typically, people with a higher BMI have to pay more for health insurance than those falling in the normal BMI range. The reason is that the former are more prone to suffering from illnesses, such as heart-related diseases, diabetes, and the like, and consequently, require regular medical care.

7) Policy duration

The tenure of your health insurance policy also affects your premium. A long-term health insurance plan—valid for 2-3 years—is likely to cost less than a regular annual one, which is valid for a year. Long-term health insurance policies eliminate the need for frequent renewal and come with discounted premiums.

8) Coinsurance

Coinsurance is a fixed portion of treatment costs that the policyholder must pay from their pocket after covering the deductibles. For instance, if the coinsurance is 20%, you must bear 20% of the treatment cost, and the insurer will cover 80%. Coinsurance helps protect insurance companies against large claims.

The insurer decides the family health insurance premium after considering how all these factors affect all the members of the policyholder family. However, you can get an idea about your family health insurance cost by using online premium calculators. Visit your preferred insurance company’s website to find out your estimated premium.