You will miss out a massive experience if you are missing out the desert safari in Dubai. If you wish to enjoy Dubai desert safari to the utmost, it is important that you miss out the most common mistakes. Be conscious and make sure that you follow the guidelines so that you do not have to face trouble in the activity.
Here are some of the common mistakes that you should avoid while visiting the Dubai Desert Safari.
- Get Tickets Ahead:
If you are out there on behalf of a travel agency, you do not have to worry much as they might have arranged for the desert safari dubai tickets too. But somehow if you have not got your tickets confirmed yet, you should make sure to research well and get the tickets beforehand so that you do not have to rush at the last moment.
- Carrying Proper Stuff:
Though there are stores for refreshments and others on your way to the safari, it is still crucial to carry important stuff from your hotel itself. It is a list of items that you should make sure to carry along with you.
- Carry jackets and shawls as it is going to be cold in the evening. Also, the light shawls will help in protecting your skin from the harsh rays of the sun.
- Carry your shades to protect your eyes.
- Carry a bottle of sunscreen to keep your skin protected from the Sun. Also, do not forget to apply the sunscreen before leaving your hotel.
- Carry a good amount of water as you might get dehydrated due to the Sun. It is also a great idea to keep some refreshments along with you.
- Lastly, do not forget to keep your camera and extra cells so that you can photograph your best moments.
- Strictly Follow The Guide:
You may face problems if you are taking the instructions offered by the guide quite lightly. You should make sure that you follow each and every guideline of the guide very carefully and abide by them. Here are some of the guidelines that often are missed that can lead to mishappens.
- If you are having a heavy meal just before the desert safari, it can ruin your entire experience. The safari will give you a feel of a roller coaster ride and you may feel extremely nauseatic if you have had a heavy meal. Guides instruct to have light food and that too a few hours before.
- If you are not wearing proper clothes, you may get fined as it is an Islamic country. Also, not wearing proper clothing can scorch your skin due to the direct sun rays. Listen to the guide about the clothing selecting that you make.
- Follow other instructions of the guide too such as not clicking photos of others and similar other strict rules due to which you may get into trouble.
You can have a great experience at the Dubai desert safari if you are following the rules properly. Avoid the common mistakes and you can make memories to cherish throughout your life.
Daily Disposable Contact Lens: Are They For You?
With the growing use of contact lenses due to their comfort level, various brands are manufacturing several categories of contact lenses based on wearability duration and doctors’ prescription. With the use of contact lenses, you can get the freedom from wearing spectacles all day long. You can comfortably enjoy the freedom of being active, soaking in the sun on a beach with your favorite sunglasses, and play your favorite sport without worrying about dropping off your spectacles.
Based on your lifestyle, use, and prescription, you should choose between using a monthly or daily disposable contact lens. Find below a quick comparison to help you make a better choice.
- Scrutinize Your Lifestyle
If you’re more of an outgoing type of person and are more exposed to sweat, dirt, and pollutants, you should choose dailies over monthlies such that you can dispose them off daily and do not let dirt keep depositing on the lenses.
- How Often Would You Use Them
If your contacts are not used often, and you wear them occasionally, daily use lenses would be a better option. You do not have to worry about cleaning and storing them daily. You can simply pull them off and discard them.
- Risk of Infection
Whenever somebody lets their tears out while wearing contacts, proteins and lipids get deposited on the lenses, which do not get washed away even after cleaning. So it’s better to use daily disposable contact lenses such that you can simply throw them after wearing them all day long. Whereas, monthly use lenses let the impurities deposit on them and later harm your eyes.
- Cost Comparison
If you compare monthly use with daily disposable contact lenses, you’ll find that monthly use lenses are more reasonable if you use lenses daily. But if you switch between lenses and spectacles, there’s no better option than daily use lenses.
- Sensitivity of Eyes
If you have sensitive eyes, a daily disposable contact lens is a better option, and you can even consult your doctor for the same. Monthly use lenses might keep your eyes exposed to infections and cause severe damage to your eyes.
After going through the comparison between monthlies and dailies, let’s quickly walk through a few unbeatable benefits of daily disposable contact lenses.
- Level of Comfort
Daily disposable Contact lens prevents the lens from drying up because they provide a high hydration level as they are made of flexible and thinner material. They are easier to handle and deliver next-level comfort to your eyes.
Convenience is most important while wearing lenses; otherwise, they might cause a hindered vision, thus, harming your eyes. Daily disposable contact lenses are fuss-free because you can simply throw them when you call it a day and not care for their storage or cleaning.
- Health and Hygiene
To maintain your eye health and keep them away from the proteins being secreted from your eyes and the impurities, you should use a daily disposable contact lens to stay away from the infection.
- Best for New Users
Daily Disposable Contact lens is the best option for the new users because they tend to tear them up or damage them. Women might tear them up with their long nails initially, whereas they might not be an issue later. Therefore, it’ll cost you less to damage dailies.
After the above comparison and the benefits of daily disposable contact lens, you should make a careful decision. Retailers like Titan Eyeplus provide you with contact lenses from all good brands to give your eyes extra protection and care. Choose the type of lenses that suits your eyes the most.
A Complete Guide to Health Insurance for Senior Citizens
Ageing is a fact of life, and as we begin to see the wrinkles and other signs, it makes us wonder how these physiological changes are beyond our control. The risk of illnesses also increases as we grow older. It is, exactly, why those having elderly parents or grandparents at home need to be cautious and take measures to access quality medical care. Medical inflation is yet another reality that one cannot overlook. As medical treatments have become expensive, getting health insurance for senior citizens is a wise move. This customised health cover would give your loved ones the financial assistance to manage the expenses arising when dealing with age-related illnesses.
With so many insurers now offering senior citizen health insurance in India, it is not easy to get the right health cover unless one has done thorough research. Also, if you are opting for a senior citizen health plan for the first time, going through the following guide will help choose the best health policy.
- Look for High Sum Insured
Older adults face higher health risks. If one is dealing with an illness, it is essential to be financially ready to deal with hefty medical bills. Medical treatment at private hospitals, including advanced surgeries, can all increase the health care expenses. So, make sure to choose a health cover with a higher sum insured. While you get a high coverage amount, it does not necessarily imply high premium costs. You can get affordable coverage by comparing various senior citizen health insurance plans in India and calculating the premium costs using an online premium calculator.
- Consider Waiting Period for Pre-existing Diseases
There is a likelihood of your elderly loved ones having a pre-existing disease. Hence, when you are reviewing different policies, make sure to check the waiting period on pre-existing diseases. Usually, it may be two or four years, depending on the insurer. Also, you must read the policy terms and conditions to know if the disease is covered or not. It will help you make a better decision and avoid any hassle when filing a claim.
- Check the Co-payment Clause
Policy buyers should check the co-payment clause before finalizing a health policy for senior citizens. Co-payment is a feature wherein the policyholder has to bear a part of the claim amount. Most senior citizen plans include a co-payment clause, and the percentage may range between 10 and 30. Often, the premium reduces if one chooses a higher co-payment percentage. So, it is essential to consider these aspects when deciding on a health cover.
- Find Alternative Treatment Cover
Insurers, nowadays, offer health insurance for senior citizens with alternative treatment cover. The popularity of AYUSH (Ayurveda, Yoga, Unani, Siddha, and Homeopathy) is growing by the day. As compared to allopathic medicine, these treatments are safe and are known to benefit people dealing with chronic conditions, such as diabetes and hypertension. So, select a plan that includes alternative treatment cover.
- Know about Pre-policy Medical Check-up
Insurance companies ask senior citizens to undergo medical tests at the time of buying the policy. However, getting health insurance for senior citizens without a pre-policy medical check-up is now possible. Moreover, one can get a health cover online, which is faster and convenient and reduces paperwork.
- Go for Cashless Hospitalisation
Nowadays, many insurers offer the cashless hospitalisation facility wherein the insurer pays the medical bills directly to the hospital on behalf of the insured. This facility is available only at a network hospital empanelled with the insurer. When picking a health policy for senior citizens, go for an insurer with a wide hospital network. For instance, Care Health Insurance has 11,000+ cashless healthcare providers.
In addition to the points mentioned above, one should also check the policy wordings and understand the sub-limits, exclusions, etc. Overall, the best senior citizen health policy should provide affordable and comprehensive coverage with the following benefits:
- In-patient Hospitalisation
- Pre and Post Hospitalisation
- Domiciliary Hospitalisation
- Day care Treatment
- Ambulance Cover
- Alternative Treatment
- No Claim Bonus
- Annual Medical Check-up
Further, senior citizens are eligible for tax deductions on the premium, up to Rs 50,000, according to the Income Tax Act. Considering these benefits, health insurance for senior citizens proves to be crucial financial support during one’s retirement years.
How Can Critical Illness Insurance Save You From Financial Burden?
The rising risks in today’s fast-paced and stressful world are almost undeniable. Today, life-threatening diseases like cancer, diabetes, chronic respiratory diseases, and cardiovascular diseases, to name a few, are responsible for a majority of deaths that occur in India.
Many policyholders are often under the impression that a standard health insurance plan is fully covering them. However, when faced with life-threatening diseases, exorbitant treatment and medical care costs become more than what their insurance plans can cover. At times like these, it becomes very stressful to arrange for emergency funds while keeping your long-term investment portfolios and savings intact.
When major illnesses strike, it means hefty bills, which creates a financial burden on the patient to pull out of it and survive. It is where a critical illness insurance plan comes in the picture, and in times like this, it might be precisely what you need.
What benefits can you get from critical illness insurance?
There are many benefits of critical illness plans, which make them ideal for a term insurance policy. Some of the benefits that make critical illness insurance a perfect cover to back-up your term insurance policy are:
- The coverage provided in critical illness insurance is for over 36 life-threatening diseases.
- The sum assured can be used as a form of income replacement.
- Critical illness insurance provides accidental death benefit and protection against disability
- The claim process is usually hassle-free, fast, and very convenient.
- The benefit payout is 100% when the policyholder is diagnosed with a terminal illness that is covered in the chosen critical illness plan.
Apart from these, you can avail of tax benefits when you opt for this plan. You can follow your financial goals and cover yourself at the same time, with critical illness insurance.
One of the most significant benefits that this plan offers is the tax benefit. The premium that you pay towards your critical illness insurance is eligible for tax deductions. Section 80D of the Income Tax Act of 1961 says that you can claim up to Rs. 25,000 under a critical illness insurance policy. In case the policyholder is a senior citizen, the tax-saving benefit goes up to Rs. 50,000. Further, if your parents are senior citizenscovered under such a policy, you can receive a tax deduction of up to Rs. 50,000 for the premiums you have paid for them.
How Does It Help Save You From The Financial Burden?
Image Source: Shutterstock
The illnesses covered under this policy are life-threatening, and they require extensive care, treatment, and medical assistance. More often than not, these costs end up burning through a medical policy quickly, and the need for emergency funds arises. If you do not have emergency funds handy or a better coverage offering policy, then you may have a hard time paying those hefty bills.
If you have been smart enough to plan for this ahead of time and buy critical illness insurance, then you won’t have to worry about the financial burden. With a critical illness rider added to a term plan, you don’t have to worry about all the high out-of-pocket expenditure you will have to make at the eleventh hour.
Critical illness insurance can pay for all those costs you incur that arenot covered by traditional insurance plans. You can use the lump sum you receive from your critical illness plan towards a variety of expenses or necessities such as-
- Paying for critical medical services
- Payment for treatments that your traditional policy does not cover
- Transportation expenses that may include traveling to treatment centers, running errands for prescription, opting for a wheelchair, etc.
- Clearing off your daily living expenses to focus on getting better and not on working to clear the bills
- Terminally ill patients who wish to rest or recuperate can use the lump sum to take a vacation of their choice.
Another reason why a critical illness plan sounds appealing is that it does not cost a lot, especially if you buy it at a young age.
The Bottom Line
Medical bills have always been and continue to be one of the biggest reasons for stress and bankruptcy. Hence, protecting yourself against it deserves consideration. You can alleviate your financial burden by opting for critical illness insurance. The lump-sum you receive on being diagnosed with a critical illness can be used for treatment or replace your salary. Insurance plans like these ensure that you have money in hand to lift your financial burdens.
This type of insurance provides flexibility and peace of mind, which ensures that instead of worrying about your finances going for a toss, all you have to do is focus on getting better.
all image credits: Shutterstock