Insurance Companies and their ‘No Medical Test’ Policies

Such policies are nothing less than hidden attempt to reject most claims. Many policy conditions are written in such ambiguous fashion that the TPA and/or Insurance companies can reject any claim at their will and discretion. Before signing for any policy, one needs to go through and understand all conditions laid down in the policy/prospectus. Unfortunately, these conditions of the policies are written in such a language that these can be turned and twisted by the TPA/ Insurance Companies. If someone requests them to send a ‘rejection letter’ , for that also TPA insists that all their procedures must be completed.

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Five Ways to Break 10 Bad Habits

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Bad Habits

Nearly everyone has a bad habit that they should break. Some people have less than others and some people’s bad habits are more grating than those of others.  Bad habits like excessive drinking, smoking, biting the fingernails, etc., starts slowly and gradually. They jeopardize your health — both physically and mentally thereby wasting your time and energy.

Bad habits are hard to give up, they are like a comfortable bed, easy to get into, but hard to get out off.  However, you can achieve anything with the right amount of willpower and a realistic plan of action. With persistence and right mind-sets, it’s possible to break your bad habits.

Here are some ideas for breaking your bad habits

  1. Change one thing at a time

It is most important that you don’t try to break all your bad habits, at once. You’re not a superhuman and trying to quit all your bad habits at the same time is probably going to be hard to achieve. Instead, prioritize and choose the habit that you need to change most urgently and then focus on that accordingly.

  1. Prepare for weak moments

A positive mindset is significant but if you’re not prepared for those weak moments this can be a biggest mistake. Try to remove temptations as that can help you prepare for those weak moments. For instance, clear the cupboards of junk food, keep some distance from friends who encourage you to smoke/ drink and avoid stressful situations.

  1. Set regular reminders

Bad habits are often so deeply ingrained in us that sometimes they can catch us unexpectedly. To help prevent those accidental slip-ups, try setting yourself regular reminders to resist those bag habits.

  1. Reward your success

The key to breaking bad habits is to make the process as rewarding and enjoyable, as possible. If you are facing difficulty focusing on the long-term benefits of breaking bad habits, then arrange small rewards for yourself as you go along to help keep you motivated.

  1. Remind yourself why you’re breaking those habits

In order to successfully break a bad habit, you have to be sure of your reason for breaking those habits. Find a solid reason for breaking your habit that really means something to you – such as improving your health, relationship or appearance – and keep your goal in sight. This will help you to carry on and stay strong in moments of weakness.

10 habits you must quit to be happy

When you quit doing the bad things, you make more room for the things that make you happy. Aristotle, a great philosopher once said, “we are what we repeatedly do. Excellence is not an act, but a habit”. However, here are 10 habits that you need to give up in exchange for your happiness.

  • Quit procrastinating on your goals
  • Quit talking down to yourself
  • Quit blaming others and making excuses
  • Quit trying to control the uncontrollable
  • Quit criticizing others
  • Quit trying to avoid change
  • Quit running from your problems and fears
  • Quit trying to be someone you’re not
  • Quit living in another time and place
  • Quit being ungrateful

Thanks for reading.

Speech Spells Your Style

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Speech is, perhaps, one of the most important aspects of communication, today. Speech comprises the words that you speak and more importantly how you speak these words. Speech is not taught in schools and colleges. We just pick it up – from our parents, teachers, friends and others in the society with whom we interact. Some of the mistakes that people make in our circle are also adopted by us, though unknowingly. When we set out to improve, we have to unlearn many things. Just because we have been committing these mistakes again and again these form a part of our speech habits. Speech blemishes can be corrected with knowledgeable guidance and a lot of practice. In this regard let’s deal with the following six items:

  1. Knowledge of language grammar.
  2. Your vocabulary in that language.
  3. How you construct your sentences.
  4. Clarity in your voice.
  5. Your knowledge and ability to pronounce the words correctly and clearly.
  6. Pace, pause and tone of your speech.

Knowledge of grammar Normally, it is assumed that knowledge of grammar is only bookish ability and it’s useful only for written communications. This is a fallacy and totally incorrect. You can make nice sentences easy to understand only if you are adequately comfortable in the grammar of the language.

Learning or building of vocabulary is a lifelong process. It should never cease. Difficult, fancy or fashionable words need not be a part of your vocabulary. In fact, simple is beautiful.

Your construction of sentences, in a way, defines your speech. The efficacy of your speech depends on it. Short sentences of varying length may be intertwined to bring out a beautiful style.

Voice plays a major role in your speech. Voice need to be pleasing to the ears of your listeners. Voice can be made very attractive by proper breathing and desirable use of the speech organs.

Pronouncing the words correctly and clearly shows your style. Importance of clear and correct pronunciation should never be undermined.

How you speak is as important in conversation and speech as the content and language, if not more. Power of your speech depends on the judicious use of changing pace, pause and tone etc.    

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Listen to being Loved and be Happy

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Loved breeds happiness. And when you make others happy, you are loved. There is a close bond between love and happiness. How does listening help you in being loved and being happy? This is the subject of our discussion in this essay. The feeling that you are being loved brings you satisfaction. It enhances your self esteem and results in happiness. When others care for you, you feel important and when they listen to you, you feel significant and elated which adds to your happiness. Same is true when you listen to them.

Let’s deal with the subject by considering the following 3 questions:               

What is good listening?

How does it help you to being loved?

How does it help you to be happy?

Question 1. What is good listening?

i)It requires you to put your agenda aside and totally devote to understanding and assimilating what is being said. You don’t listen to give a reply, but you just listen to understand. The moment you become keen to give a reply, your mind will start analyzing the speech from your own perspective. It will hinder your ‘objective’ understanding.

ii) Your attention should be fully in the present. There should be no thoughts about the past nor should you think about future.

iii) You need also to understand the body language of the speaker. And, this would include eye contact, posture, facial expression etc.

iv) Listening needs to be non-judgmental. You must not allow your likes and dislikes or personal prejudice to affect the meaning the speakers wants to project.

v) To be listened is so important for the people that many a times they will like to be heard rather than just granted the request what they requested.

vi) Active listening calls for you to listen about 80% of the time without interruption balance 20% of the time you may ask questions. This will indeed be an attribute of good listening.

vii) You need to make it known to the speaker that you are attentively listening. Thus, your nods with your head and words like ‘Yes’hmm ‘I see, I agree go                                                            long way to make be you an adept active listener.

viii) You will indeed enjoy your choice of active listening with the results that you will derive from the activity.

Question 2. How does active listening help you to being loved?

Now we can consider how listening actively makes others happy and make you in turn happy. They not only respect you but they love you if you actively listen to what they say.

The speaker feels that he/she are important when you carefully listen to them. They are reassured that you care for them. In turn they will care for you. The speaker thinks that they have some worthy ideas that is being expressed. And if you don’t listen to them with due attention, they will feel let down. But if on the other hand you not only listen but make it known that you have listened, the speaker will feel elated and happy and so will you be. Respect is always mutual, you have to earn respect. You have to make others happy to receive positive vibes making you happy in return.

Besides, better listening rids you of any bitter discussion. You understand that these are futile. Avoiding arguing, you also avoid bitterness which often is the result of trying to win an agreement. Active listening empowers you to hold your opinion without any offence. Because of your listening skills you are in a position to offer you opinion in a relevant manner. When your conversation with everyone becomes more meaningful, both of you enjoy it. Undoubtedly it brings happiness.  Exchange of ideas in such a situation brings about a lot of learning on both sides. Continuous learning raises your self –esteem which in turn makes you satisfied with yourself and be contented.

In fact, even between the spouses the problem starts with one not listening to other. One feels ignored and the problem starts. Left unattended, it grows into unmanageable differences. If we are unhappy at home or at the work, place life is messed up. Children too turn rebellious because they feel that parents don’t try to understand them. In the fast changing world today maintaining good relations is more challenging than ever. Yet good relationship is emanating from better understanding which forms the foundation of respect and love.

So if you want to be loved by others listen to them and make them feel that they are loved. If you want to gain happiness distribute the same among others who will gladly reciprocate.

Question 3. How does Good Listening help you to be Happy?

Every living being has physiological needs and safety needs. Living being must have food to live and is keen to care for life. That part is survival story. No happiness is involved. But, after survival needs are fulfilled, psychological needs come to the fore for human beings.

As social entities, humans want to have a feeling of belonging. It’s an experience that they belong to a community, a family or a group gives them a feeling of satisfaction. If they are alone and uncared their psychological craving of togetherness disturbs them.

Good listening helps you to have cordial relations with your family and friends. When you listen to them they come closer to you, they experience that you are giving them importance. By listening you reassure them of their significance. Inwardly they feel obliged to you as you are fulfilling their psychological need of heart to heart communication.

As we discussed earlier ability to express your ideas give a great satisfaction. However, you approve of your ability only if the listeners pay attention, understand and when possible and needed, take action. Likewise when you are actively listening, the speaker feels comfortable and satisfied with his skill of expression. In turn the process fosters better relation and love for each other. This is particularly important among the family members and close friends. Besides, when you speak, you say what you already know. No doubt it satisfies your need for expression, but you don’t learn anything new. But listening gives you the opportunity to learn what you don’t know. Learning gives a great satisfaction and enhances your self esteem. When your self esteem is high you wish to do greater things. Self-esteem enables you to venture on the new turf, start new project. Maslow’s theory of happiness is recognized as the last word in respect of this great wishful emotion-happiness.

“There is a clear distinction between love and respect or esteem. The ability to feel self-esteem springs from being embraced by families and communities”. Further, you become more creative which again contributes to your confidence.

Good listening also helps you to mitigate your personal ego. Because when you are full of ego, you tend to behave as if you know all and therefore you shun listening, much less active listening.

Actualization makes you really happy. And what is actualization? Maslow defines actualization as “what a man can be, he must be. This need may be referred to the desire for self-fulfillment. So discovery of self, understanding the capabilities and then doing what it takes to actualize yourself will grant the best results. But this cannot take place unless you are a good listener. Further, survey reveals that you tend to perceive situations, people and their reality more accurately if you are good listeners.

With all the advantages described above there remains no doubt that listening and its resultant process will make you one, who understands the world and the people better. This understanding will make you happier, more than your expectations.

Thanks for reading.