Monday, 7 September 2015

Hope for Malaria: World’s first malaria vaccine approved


European drug regulators have given approval

to world’s first malaria vaccine. They have suggested it should be approved for use in babies in African countries where there is an increased risk of diseases caused by mosquito bite.
The vaccine
The vaccine is known as RTS,S or Mosquirix and is the first human vaccine against a parasitic disease and has been claimed to prevent the occurrence of incidence of millions of cases of malaria in countries using the vaccine.
The initiative
As it is a well registered fact that almost 80% or more deaths caused due to malaria occur in children below the age of five years.
British pharmaceutical giant, Glaxo Smith Kline along with the PATH Malaria vaccine initiative and partly funded by Bill and Melinda Gates foundation developed the vaccine, Mosquirix.
The use of this malaria vaccine in conjunction with other treatment interventions can significantly control the occurrence of malaria in young children.
Will it work?
Early trial reports stated that malaria vaccine could bring down occurrence of malaria to a small extent in babies in the age group of 6 to 12 weeks and 5 to 17 weeks.
Scientists and doctors are of the view that the antimalarial vaccine should be licensed for use in babies between the ages of 6 weeks to 17 weeks. Doctors have suggested that the vaccine has tremendous potential in reducing the toll of sickness and death caused due to malaria.
The vaccine needs a booster shot to be able to reduce the rate of severe malaria.
The concerns
The vaccine has not proven to be very effective in protecting infants and young babies from severe cases of malaria. The efficacy of the vaccine reduces over a period of time and hence it is essential to give booster shots.
In addition, the vaccine could not be given along with other childhood vaccine which can be translated as expenses and organizational set up at large scale to plan vaccine outside the regular immunization schedule.
It is crucial for children to receive all the four doses in order to benefit from the vaccine.
How does it work?
It works by stimulating body’s immunity to fight against the first stages of Plasmodium falciparum infection following its entry into the blood stream as a result of mosquito bite.
The last word…
The vaccine is not a “magic bullet” but even a partially effective malaria vaccine can play a significant part in cutting down the high frequency of the disease. It is definitely an important building block towards the development of a much more effective malaria vaccine.

Thursday, 13 August 2015

Are You Covered for Critical Illness?


Nothing prepares you for a financial predicament. It's you and your family who will have to face problems while dealing with critical illnesses. To secure your family’s future, you get life insurance policies; most of which cover only the cost of treatment. But, have you ever given a thought to what happens when a critical illness strikes? Read on to know more. 

Why do you need critical illness insurance?

Critical illness brings with it the expenses incurred on specialized medical care as well as a loss of income, complete or partial disability and definitive change in lifestyle. This will leave a huge financial burden on you and your family. Buying critical illness insurance is your safest bet to get over these problems. It gives you the perfect cover against the expenses incurred after the diagnosis of the critical illness has been made.  

Highlights of Edelweiss Tokio Life CritiCare+

  • Complete family protection
Based on your needs and future goals, Edelweiss Tokio Life CritiCare+ offers you the perfect solution. This critical illness insurance will provide your family the much needed financial support to manage home as well as health care expenditures.
  • Tax benefits
Tax benefits can be claimed for the premium amount and the claim amount under Section 80C and Section 10(10D) of Income tax Act.
  • A wide range of diseases covered
Edelweiss Tokio Life CritiCare+ covers as many as 17 critical illnesses including bypass surgeries and organ transplants. These diseases are divided in four groups.
  • Multiclaim benefits
Edelweiss Tokio Life CritiCare+ offers critical illness insurance as single claim or multiclaim offer. Under the multiclaim benefit, claims are permissible for 3 different critical illnesses belonging to different groups. The benefit offered is that the future premiums are surrendered after the first claim has been made so your family still remains covered under the benefits of medical insurance.
  • Peace of mind
A medical insurance for critical illness will definitely reduce the stress in your life as you and your family can work towards a speedy and full recovery without being bothered about the health care expense and day to day finances. Edelweiss Tokio Life CritiCare+ strives to give the patients and their families a peaceful life.

The Checklist While Buying a Critical Illness Insurance                                                                                                  

  • Key features
It covers individuals between 18 to 65 years. The minimum sum assured in this non-participating and non-linked medical insurance plan is Rs. 5,00,000 and maximum sum assured is Rs.1,00,00,000. The initial waiting period is 90 days; survival period is 28 days and waiting period between claims in multiclaim option is 365 days.
  • When are the benefits payable?
Benefits are payable under single claim or multiclaim option. The benefits are payable when the life insured survives for at least 28 days after diagnosis is confirmed.
  • No benefits
No benefits are payable in these cases; on death of life insured during the term of the policy, on maturity of the policy or on surrendering the policy.
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