Rate movements in the fourth quarter continued a trend for 2022
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Monday, January 9, 2023
Revealed – personal lines rate changes in Q4
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Viral Fever: Symptoms, Causes, and Treatment
Viral fever is a common disease that people experience with changes in season. If you want to stay away from high fever this season, better stay aware about it. Continue reading the post below to know more about viral fever.
As the weather changes in India, it is common for people to experience fever with high temperature and bouts of cough along with a runny nose. If the fever continues for days together, it is most likely that you are under the influence of a viral fever. Awareness and precaution is something that can keep people away from the disease. Let us learn about the symptoms, causes, precautions and treatment of viral fever and if it is covered under health insurance.
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Viral Fever – Meaning
So, what is viral fever? Is viral and normal fever the same? How do you differentiate between viral fever and normal fever? When you get a fever because of a viral infection, it is considered a viral fever. Viral fever can be diagnosed by checking the temperature of the person in case of both children and adults. If the temperature is higher than 98.6°F (37°C), which is the normal body temperature, it might indicate viral fever.
Viral fever mostly occurs when there is a change in season, especially during monsoon. A viral infection can be either mild or low-grade fever when the body temperature ranges between 100.4 and 102.2 F. In case the body temperature is 103 F or more, it is considered high grade fever.
Viral Infections like common cold are considered a low-grade fever, while high fever like dengue is considered high-grade fever. Viral fever can last from 4 – 14 days depending on many factors including low-grade or high-grade fever.
Viral fever is not considered a severe disease but it may indicate certain viral infection, which might cause complications in life if not treated well. Hence, it is advised to see a doctor if the fever stays for 2-3 days.
Viral Fever – Symptoms
Unlike the normal viral fever symptoms, the symptoms of viral fever are distinct. A viral fever accompanies symptoms like high temperature, headache, sore throat, chills, runny nose, weakness, loss of appetite, nausea, muscle/joint pain, diarrhea, dehydration, dizziness, burning of eyes or redness, sweating, skin rashes and face swelling etc.
The doctor might recommend a blood test in case of any such symptoms so that they can check if there is a bacterial infection. Once that is done, the doctor determines the cause of the fever and starts the treatment.
Read More: Tomato Flu: All About the Rare Viral Disease Symptoms and Treatment
Viral Fever – Causes
As discussed, causes of viral fever can be mainly due to viruses which catch people and infect their cells. The body’s temperature during viral fever increases to make it livable for the virus. So, to understand the causes of viral fever, you should understand how the virus gets into the human body.
Below are some factors that causes viral fever:
- Contact with an infected person – If a non-infected person gets in close and constant touch with an infected person, he/she may show the symptoms of viral infection soon.
- Inhaling the virus – If a non-infected person inhales the virus prevailing in the air while breathing, he/she may get infected. Also, in case someone with the virus sneezes and coughs near you, the droplets of the virus floating in the air are likely to infect the person if he/she inhales the same.
- Sharing drinks and eatables – In case a non-infected person consumes the same food eaten by an infected person, it is likely that the person might get affected by the virus via the saliva of the infected person.
- Mosquito – Mosquito is another common carrier of viral fevers and other diseases. Here, if a mosquito bites an infected person and then bites a non-infected person, there are chances that you may get viral fever. Similarly, food that is contaminated by insects and rodents may also lead to fever.
- Infected water – In case of children, if a child consumes water that is contaminated with a virus, it can also cause viral fever.
- Body Fluids – Viral fever can also be caused through body fluids of an infected person.
>>Are Home Care Services Covered Under Health Insurance Policy?
Viral Fever Treatment – How to cure Viral Fever?
There is no set treatment for viral fevers such as antibiotics etc. Hence, doctors generally treat the patients of viral fever as per the symptoms shown. In case of mild fever, it may subside on its own, while the high-grade fevers require medication to control the symptoms.
Below are some treatments recommended for viral fever:
- The patient may be prescribed certain over-the-counter medicines by the doctor to control cough, cold, high temperature, and diarrhea etc.
- The doctor may also advise the patient to drink fluids in huge quantities to stay hydrated. He/she may advise ORS to maintain body’s electrolyte balance
- A bath with lukewarm water may also be suggested to bring the temperature down
- The physician may suggest enough rest to the patient so that they can heal better
Is Viral Fever Covered under Health Insurance?
You would be glad to know that health insurance policies generally cover the viral fever treatment cost. And they also cover any other cost or healthcare complication that arises out of viral fever. However, it purely depends on the terms of the policy.
So, whatever expenses are incurred for the treatment of viral fever is reimbursed by your health insurance provider such as;
- Hospitalization
- OPD consultations
- Medicines
- Day care procedures
- Diagnostic tests
- Ambulance charges, etc.
However, the coverage will be available after the completion of the initial 30 days waiting period.
How to treat viral fever at home?
Below are some tips to treat viral fever:
- Eat food that is warm as there is a chance of viruses growing in food stored in cold temperature
- Keep your hands clean by washing them regularly with soap and water
- If you can’t wash your hands, sanitize them properly
- Don’t touch your face often
- Don’t eat with or share food with an ill person
- Avoid mosquito bite by using mosquito repellents and wearing full sleeves clothes
- Boost immunity by eating healthy food
- Get flu vaccination
Know More: List of Diseases Covered under Health Insurance Policy in India
To Sum UP
Most people get affected by viral fever during change in season, especially during monsoon. If you or any of your family members show signs of viral fever, you have to monitor your health. In case the fever exists for more than a couple of days, you should consult a doctor.
Try to analyze the causes of the fever and take precautions as needed. And if your are covered under a health insurance plan, you may get the cost of treatment reimbursed too.
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FAQs on Viral Fever Symptoms, Causes, and Treatment
What is Viral fever recovery time?
The viral fever usually lasts for 3-5 days if it shows mild symptoms. However, in certain cases it may take longer duration and might take up to 2 weeks for the fever to subside.
What causes viral fever?
Infections caused by viruses may cause viral fever. Viruses are minute infectious agents which infect the human body and multiply within human cells. A fever or increase in temperature is caused as body's reaction to fight the disease.
What are the symptoms of Viral fever?
Below are some symptoms:
Both joint and muscle aches
Headache
Fatigue
Sore throat
Runny nose
An increase in body temperature
Dehydration
Frequent chills
Can I get Viral fever treatment at home?
Yes, viral fever can be treated at home with the help of many home remedies.
Which fruit is good for viral fever?
Citrus fruits and berries like oranges, lemons, and grapefruits are good for viral fever as they contain high levels of vitamin C and flavonoids. Besides, food for viral fever include soups, leafy greens, oatmeal, etc.
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Difference between National Pension Scheme and Atal Pension Yojana
APY and NPS are two options to choose from while considering investment plans to create corpus for your financial independence after retirement. Let us compare the two retirement plans NPS vs Atal Pension Yojana to make the best choice.
Retirement is a phase in life when people normally do not work as actively as during their working years. Hence, the monthly income that is received is also not that regular or stable like in the case of salary received from jobs. But when it comes to expenses, they remain more or less similar even after retirement, especially with increased healthcare costs etc. Hence, you definitely need a regular flow of money coming in to lead a normal life after you are retired. And if you do not plan it in your young age when you are earning well, you may have to spend your retired life amidst all sorts of worries rather than spending some relaxed time.
Let us compare the difference between NPS and Atal Pension Yojana in this post to understand the policies so that you can plan your retirement accordingly.
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National Pension Scheme (NPS) and Atal Pension Yojana (APY) – Overview
NPS – National Pension Scheme
NPS is a retirement scheme launched by the government of India where an individual can invest until the age of 65 years. It is a policy offering market-linked benefits to the policyholder depending on the financial market. NPS allows the investor to choose from four types of funds where the policyholder can invest. Once the policy matures, the policyholder can withdraw 60% of the accumulated amount as lump sum, while the remaining 40% can be received as annuities for the rest of his/her life.
Read More: A Beginner’s Guide to Retirement Pension Plans in India
APY – Atal Pension Yojana
The APY full form is Atal Pension Yojana, which is another retirement policy being launched by the government of India. This is another guaranteed pension plan that serves the people of the low income group in the unorganized sector. The policyholder under the APY scheme can invest in the policy until he/she turns 40 years. However, the maturity of the policy is reached at 60 years of the policyholder.
There are five different choices of corpus that are guaranteed under the scheme ranging between INR 1000 to INR 5000. Hence, under the APY scheme the policyholders can invest the amount as per their requirement. The policyholder has to take into account various aspects such as age of the policyholder, pension amount expected and the frequency of contribution to calculate the corpus benefit to be received under the scheme. Once the policy matures, the pension amount is paid to the policyholder and his/her spouse for the rest of their life. Further, the policyholder also gets the benefit of Atal Pension Yojana income tax deduction under this plan.
NPS V/s APY – Differences
The table below shows a comparison to indicate the key difference between the Atal Pension Yojana vs. NPS:
| Criteria | APY | NPS |
| Entry age | The entry age for APY is minimum 18 years and maximum 40 years | The NPS has an entry age of minimum 18 years and the maximum 65 years |
| Eligibility | Any Indian resident can subscribe to APY | All Indian citizens including resident and non-resident can apply for NPS |
| Account Type | APY is a single scheme with no different account types | The NPS offer two types of account – Tier- I and Tier-II |
| Nominee Option | It is mandatory to nominate someone as nominee while opening the APY account | Here also nomination is mandatory and anyone except the spouse can be the nominee |
| Pension Slab | The policyholder can choose from the fixed pension slab to receive every month such as INR 2,000, 3,000, 4,000 or INR 5,000 | Here, no fixed pension slabs are mentioned as the returns are market-linked |
| Guaranteed Returns | The APY allow guaranteed pension post-retirement | NPS does not guarantee any returns as the policy is linked to market variables |
| Premature Withdrawal Facility | No premature withdrawal is possible till the policy term ends. Only if any medical emergency or demise of the subscriber takes place, it is allowed | The NPS Tier-II account allows premature withdrawal, whereas the Tier-I account has restrictions in terms of premature withdrawal subject to terms and conditions of the policy |
| Choice of Investment | The APY does not allow any investment choice to the subscribers | Under NPS, the subscriber receives two choices such as active or auto, which he/she can choose to manage funds |
| Account Number | Under the APY scheme, the government does not allocate any permanent account number | Under the NPS, a Permanent Retirement Account Number (PRAN) is given to the subscriber of the account |
| Government Contribution | Depending on terms and conditions, the government does a contribution to the APY subscribers account | The NPS account receive no contribution from government’s side |
>>Best Retirement Plans 2022-23 for Senior Citizens
Similarities between APY and NPS
You have seen the differences between Atal Pension Yojana and NPS. Let us now take a look at the similarities of the two policies below:
- Both APY and NPS are managed by the Pension Fund Regulatory & Development Authority Act (PFRDA)
- Both of them are pension oriented plans launched to help policyholders to create a corpus as retirement wealth
- In both cases, once the policy matures, the policyholder receive a fixed amount as pension for the rest of his/her life
- In case of both the policies, the policyholder can avail tax deduction of up to INR 1.5 lakh on the investment amount along with an extra deduction of INR 50,000 under Section 80CCD (1B)
- Also, in case of both the policies, the pension amount received is taxable as per the existing tax rules.
Know More: How To Apply Online for Atal Pension Yojana?
To Sum Up
It is very important to invest during your working years to lead a stress-free retired life. Irrespective of whichever policy you choose the main aim of the plan, which is offering a good life after retirement to the individual, should be fulfilled. In that regard, both Atal Pension Yojana and the National Pension Scheme allow financial security for individuals after retirement. The policyholders can use an NPS calculator to calculate the sum of money that they need to invest to get the desired returns.
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FAQs on Atal Pension Yojana & National Pension Scheme
Does a person need to have an NPS account to apply for APY?
No. You do not require to have one account to apply for the other. In fact, anyone can individually apply for both APY and NPS schemes to benefit from them separately. However, you cannot buy two policies of the same scheme under your name.
Can a person subscribe to both the policies - NPS and APY?
Yes. it is possible for an eligible Indian citizen to apply for both NPS and APY schemes individually.
Can an individual use his/her Permanent Retirement Account Number(PRAN) details for both NPS and APY Schemes?
Your PRAN details are required for the National Pension Scheme (NPS) to know the contribution amount and related details. However, the Atal Pension Yojana (APY) status can be checked via SMS or by visiting the closest branch of the post office or bank where you have applied for the account.
Does NPS and APY offer any tax benefits?
Yes, both NPS and APY schemes allow tax benefits of up to Rs 1.5 lakhs under section 80 CCD (1) of the Income Tax Act.
Do the NPS and APY scheme allow death benefits?
Yes. In case of the untimely death of the policyholder of both the accounts, the beneficiary can claim the death benefit. In case there is no nominee mentioned in the plan, the family of the policyholder can claim the amount.
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Policies not triggered, say insurers in London case against Dubai Aerospace Enterprise
Lloyd's and 10 others deliver submissions in court
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