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child insurance in India

Oct 03
Posted by admin in Health

These days, anyone can see insurance related advertisements from major insurance providers. The difference between the advertisements few years back and now is that insurance companies have woke up to the niche of child insurance. Now, the plans are targeting children and working towards various policies designed to take care of children health and their needs.

Cost of living has been on the rise. Thereby, savings have a major impact on the field. Education is very important, and insurance for the same is beneficial. One can never know the cost of education, especially if a child wants to pursue higher education from some foreign university. Therefore, as a parent, one can at least prepare for the basics so that education doesn’t dent a hole in either parent’s pocket or child’s future.

Some of the factors must be noted before putting finger on any insurance policy. These may be:-

• Company’s performance record: It is a very important aspect. One can’t just choose a policy irrespective of company’s reputation. Ultimately it is the company that is going to return benefits which may be maturity bonus or education fee.
• Additional benefits: If one is taking an education policy, additional benefits will include health benefits and life cover. It is an important consideration while taking an insurance policy.
• Premium Waiver: When taking insurance on child’s name, it is very important to ensure premium waiver. If it isn’t there in the insurance of one’s choice, one must ask for the provisions to get this feature added. According to premium waiver, the insurance premium will be waived off in case of death of the parent.
• One may consider taking insurance for an adult and making a child dependant. In any case, child insurance can’t have a dependent. It must be considered before finalizing on the plan.
• Tax Benefits: Every major insurance policy provides tax benefits. It is important to know what kind of tax benefits the policy is offering. According to the Income Tax Act 1961, tax benefits are available under section 80C and section 10(10D), and the parents who take policy for child are entitled to tax benefits under these sections.
• Nothing is a surety in today’s world. Therefore, child insurance is a precaution to ensure child doesn’t suffer to life’s uncertainties, or fate’s roll of the dice.

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Nutrition for kids

Dec 14
Posted by pankti in Cooking, Health

Fruit and vegetables, like milk, is a very useful element in the diet of your kids. Fruits and vegetables are one of the most important sources of nutrition. Parents should ensure that a child’s diet provides healthy supply of vitamins A, C and E. Nutrition fact of fruits and vegetables show that five servings is actually the minimum number of fruits and vegetables to be eaten each day. Parents should encourage the use of green leafy vegetables like spinach, broccoli, cabbage, cauliflower and fresh fruits like apple, orange, melon, papaya, strawberries, grapes etc in their child’s diet. Rather than giving your child chips and popcorns to munch on, they should increase the use of tasty salads in their meals. Teen boys need about 2,800 calories a day and hence should consume lots servings of fruits and vegetables. Children emulate and usually eat what their parents eat. Hence their parents should eat more fruits and vegetables so that their children will follow. Have fruit and vegetable snacks readily available. Make sure one has fruit and vegetables around for kids to snack on. Parents should cut up fruits and keep them visible in the refrigerator. Keep freshly cut apples, pineapples, watermelon, oranges, lemons etc for children to snack on. Add some chat masala so that your child can savor the taste.

Parents will be surprised to know that one banana and a few strawberries can give your kids as much as energy as one meal. Fruits contain a substantial amount of fibers which help our body in easy digestion. The water percentage of fruit (80%) is higher than other processed foods and thus it helps our body to retain the water percentage that our body needs. Hence make sure your kids develop a habit of eating enough fruits and vegetables because such good habits instilled at an early age will go a long way in maintaining your child’s health.

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Malnutrition in children

Oct 24
Posted by chandni in Advice, Health, Safety

Does your child’s malnutrition worry you all the time? Do you the causes of under nutrition in children? Let’s get acquainted with some of the major reasons. Its usually recommended that children should be given more of fruits than juices as juices contain more of sugar and less of vitamins.
Parents who worry about their children becoming obese and give them a low fat diet when they are under 2 years of age also risk their children becoming skinny. Fats are an important constituent of every diet for storing energy, protecting or insulating the body and absorbing fat-soluble vitamins. So, adequate fat products should be given to every child but in limits.
Make sure your child does not skip breakfast. It can directly affect the calorie count in their body. If your child is physically very active, give him more energizing foods like carbohydrates.

Grains supply carbohydrates, the chief source of energy at least 6-11 servings per day. Fruit and vegetables supply vitamins and minerals, a good source of fiber which helps reduce cholesterol for healthy skin, hair and vision. Milk provides calcium for bone growth and maintenance. Make your child consume a cup of milk or 2 ounces of cheese around 2 3 times a day. Cook them meat and for vegetarians, make them have peanut butter. Do not limit fat foods and sweets as they supply extra calories.
Eating patterns usually change during childhood. Include only healthy foods in your child’s diet. Being thin or slim is different from being underweight and it is alright to have a slight built. Just maintain a balanced diet according to your child’s activity and growth. However, malnourished may be a symbol of nutritional, health, or emotional problems. So, deal with it with a fun diet and let your kid grow up well.

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Baby Bathing Tips

Oct 20
Posted by chandni in Advice, Health, Safety

Babies are a bundle of joy to every family. Every little responsibility associated with them becomes pleasurable and is cherished. Bathing them is one such responsibility which is often enjoyed by every new parent. But there are some things you should be careful of while bathing them so as to keep them safe and sound.

While giving them a shower, stay close to the baby at all times. Don’t ever look away from them even for a matter of a second. A bath chair will give your child additional support while in the bathtub, but it will not shield the child from injury or drowning. Follow some tips while using a bath seat or bath rings. Use them with children who are able to sit upright without you holding them. If the child is too small to sit upright avoid using bath seats.

Always keep all the bathing material ready before you bring the child into the bathroom so that you don’t have to leave the child and go to fetch soap or shampoo. Keep them out of the reach of children. The bath tub should be clean and dirt free so that it is hygienic and safe.

Use only products which are meant for baby hygiene. Don’t use the same shampoo for your baby as you do, since baby skin is way more sensitive than yours. Don’t scrub baby skin too hard as they could develop rashes and just pour water over their body gently.

Wipe the baby dry immediately after bath and apply baby powder on their skin, especially during summers to avoid heat boils and rashes. If any kind of irritation due to bathing products exists, change the product immediately and consult your doctor.

Use lukewarm water to give them a shower and let your baby enjoy the moment as much as you do.

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Common cold in children

Oct 16
Posted by chandni in Advice, Health, Safety

Common cold as the name suggests is common among children. They are absolutely normal and can be dealt with. If it’s a mild cold, home remedies are more than enough to cure them.

Always remember that cold is most contagious from the 2nd to the 4th day once the symptoms start appearing. It is important to explain to your children the benefits of using a tissue paper every time the sneeze. Also, encourage them to wash their hands and face frequently to avoid spreading the germs. Keep their towels and clothes separate so that others in the family remain unaffected.

Some ways you can help relieve cold uneasiness consist of:

· Put saltwater drops in the nostrils to reduce nasal blocking. Saline drops are also available at any medical store or pharmacy.
· A cool-mist humidifier to boost air humidity.
· Apply petroleum jelly below the nose on the skin ease rawness.
· Give them hard candy or cough drops to ease aching throat (for kids older than 3 years).
· Give them a shower with warm water or a heating pad to relieve aches and pains.
· Make them take steam from a hot shower for easy breathing.

Don’t panic about your child’s diet, just ensure he eats when hungry and drinks ample of fluids like water or juice to help restore the fluids lost during fever or mucus production. Stay away from giving them caffeinated beverages which can cause repeated urination and add to the danger of dehydration.

If you think your child is suffering from more than a cold or is getting worse then consult a doctor. Cold will take it’s time to cure, just make sure your child gets plenty of rest, avoids any kind of forceful activity and intakes a lot of fluids which may help them feel better.

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