Leading a Healthy Life with the Help of DNA Testing

Tests have become a part of the medical field because only with the help of tests, physicians and healthcare professionals diagnose diseases and try to provide the right type of treatments. There is another very important benefit from tests and especially, DNA testing and it is this test can help you lead a healthy life. Let us delve deep into this so you can keep a few points in mind while deciding whether to go for a DNA test.

Benefits of a DNA test

1. With the help of a DNA test, you can know how your body will respond to various types of foods and exercises. Simply put, it is your gene that determines the way your body responds to the foods you consume and the workouts you do. If you get your DNA tested, you can go for a uniquely customized diet regimen as well as an exercise regimen that suits you. This also means that by choosing a diet regimen or a workout regimen that is perfectly suited to you, you will be able to increase their efficacy by several notches.

Researchers have proved that by getting a mouth swab carried out as soon as you wake up in the morning and before you venture into the task of brushing of your teeth, scan gene variants and more specifically, 45 of them, can be scanned so the response of your body to various types of foods and exercises can be found. You can find out the sensitivity of your body to carbohydrates, saturated fats, salt, gluten and lactose. You can also find out your intolerance risk towards items such as gluten. The test will help you know your needs of vitamins and anti-oxidants and also your caffeine metabolism and alcohol metabolism.

2. If you are a fitness freak, you can find out if you can go for endurance sports such as swimming, running or cycling or choose power sports such as weight-lifting or sprinting. The test will help you know your Vo2 max or the aerobic potential. You may wonder what benefits you will derive by knowing these facts. The answer to this question is that they will let you find out how quickly your body can recover from your workouts.

Fitness experts nowadays insist on recovery of the body after workouts because only if your body fully recovers from the stress of your strenuous workout, you can carry on with your day-to-day work. Not only that, if you allow your body to remain fatigued after a strenuous workout, you will not be able to do your workouts during the next sessions.

Are DNA tests accurate so you can have the diet and workout regimens that are best-suited to you?

Experts opine that the results of a DNA test that is targeted towards the aim of customizing a suitable diet regimen or a workout regimen are fairly accurate. For example, the test will help in knowing the response of the body of a person to saturated fats. For this, the test has to focus on the “fat gene” or the FTO gene, in which there are three types.

Researchers have found that the body of those people who have the AA variant may store body fat more readily when they consume saturated fats. On the contrary, those with the AT type of the fat gene are only moderately sensitive which means their body may not readily store fat when they consume saturated fats. But the folks who have the TT type are the blessed because their body may have a very low sensitivity which means their body may not store fat even when they consume saturated fats.

Similarly, DNA testing can help in finding the response of your body to other types of foods and other types of activities as well. This means you can use the results of a DNA test for designing a suitable fitness regimen as well as a diet regimen so you can lead a healthy life.

What Is Work Injury Compensation Act

Work is a task undertaken to achieve the desired results which involve mental or physical efforts. Industries and businesses are flourishing as individuals all over the world, including women, are encouraged to take up jobs and be financially stable.

 

Despite all the pros that you can think of, there are those few chances of work injuries that can take place. As companies and businesses are concerned about the well-being of their employees, they provide commercial insurance for their employees. Insurance provides medical benefits and wage replacement. This also helps motivate the employees to continue working in such companies.

As work injuries can be fatal, the Work Injury Compensation Act was passed for the better care of workers. Every country has its own guidelines for work injury compensation based on what is best for their citizens. In Singapore, the MOM (Ministry of Manpower) deals with the formulation and execution of labor policies. This is run by the Government of Singapore.

 

The WICA allows the workers to apply for compensation when work-related injuries occur. This is different from filing a case under the common law. If you have suffered a disease due to the work, that too is compensated. You don’t require a lawyer in case of WICA which makes it low on cost and quicker to claim from the settlement. You can claim work injury compensation up to 1 year after the accident.

 

The insurance that the employees can claim are:

 

  • Medical leave payments – the compensation benefits are covered only for working days. Non – working days are not taken into account. It has to be doctor-granted medical certificate or hospital advised leave. The wage differs from employee to employee. The calculations are based on their monthly wages or salary. While determining the figures for the claim, the wages, bonuses, overtime payments are taken into account. Travel expenses are not considered.
  • Medical expenses – medical consultation charges, medical report charges, ward fees, treatment fees, artificial limbs, medication costs, and surgery are all the expenses the employer must undertake. In some case, certain treatments are to be compensated if the doctor certifies it. Those include physiotherapy and speech and occupational therapy.
  • Lump sum compensation – in the case of permanent incapacity or death due to the injuries sustained in the work environment, lump sum compensation is provided to the injured employee or to his family in case of death. Permanent incapacity can only be declared by the doctor’s assessment where certain assessment guidelines are to be taken into consideration. These assessments are taken after the medical condition has stabilized.

 

Through WICA, Commercial insurance has proved to be a blessing in disguise for both the employer and the employee.

 

 

Difference Between Life Insurance And Medical Insurance

Insurance is a blessing when the worst possible scenario you could ever think of comes to life. Loss of property and goods, loss of good health, an injury so severe the recovery is prolonged, loss of valuable possessions are examples of such scenarios. Insurance on each of the above-mentioned examples are possible based on certain criteria. When you think of guarantee for our life, there is none. But providing financial aid to loved ones, use of monetary support in the case of incapacity are few options you can choose from. While making a decision about insurance, a clear picture needs to be presented in front of you to choose the most suitable insurance premium for you and your family. Often, this picture is vague and filled with loopholes.

 

Understanding the difference between life insurance and medical insurance is essential for making the right decision while purchasing an insurance policy. Here are few aspects that differentiate them from each other:

 

1)    Life insurance is where a contract is agreed upon, involving 2 parties, the insurance policyholder (insured) and the insurer (the insurance company or employer). The insurer promises to pay the beneficiary (a person the insured nominates) a sum of money that the insured has given to the insurer. Medical insurance is insurance taken against medical expenses that the insured may have to incur in case of work-related accidents or illnesses.

 

2)    The purpose of life insurance is life coverage provided to the family or dependents to have financial support after the demise of the insured. In the case of medical insurance, its main objective is to cover the costs of treatment for the medical condition. These are advisable for the resident as well as non-resident employees. Companies are willing to provide insurance for employees to be motivated to work as they do not have to worry about the family. Plans for native employees and application for a foreign workers medical insurance have their own guidelines that are to be followed.

 

3)    The importance of life insurance is financial aid for the family in the cause of untimely death. Whereas, medical insurance covers hospitalization costs and other treatment related expenses. This is very helpful for those who have applied for the policy as they are away from their own country and need proper guidance and know-how of the procedures.

 

4)    The insurance payable by the insured can be lump sum amounts or small payments in regular installments. The lump sum amount is paid to the beneficiary (nominee) in life insurance. The medical insurance payable by the insured gets deducted from his monthly wages or payroll. The amount is used for the treatment fees, but there is an upper limit to the coverage in this case. Lump sum payment or small amounts payable is based on the seriousness of health of the insured.

 

Though both have their differences, yet both are equally essential. Insurance for self as well as insurance for family helps add value to life.

 

 

Why you should consider getting professional indemnity insurance

No one provides service to a client with the intention to indulge in malpractice, because it doesn’t serve the purpose of either the client or the service provider.  However, not all future events are within your control and things can go wrong anytime during your contract period with the client.  Professional indemnity insurance covers this unforeseen aspect of your business where you may have to face a legal action due to an incident arising from the services provided by you.

 

The insurance cover allows you to carry out your business without worrying about a potential lawsuit.  You save a lot of time and money that you would have otherwise spent on defending a legal battle.  The legal issues don’t become a hindrance to your business, which in turn prevent the loss of income that could have happened during the period of defending the allegations without the cover.

 

The insurance covers many risks, such as:

 

Breach of confidentiality:  As a service provider, you are required to maintain the confidentiality of the business.  However, you may unintentionally disclose some information provided to you by the client to a third party.  Professional indemnity insurance provides you the cover to handle the situation without impacting you financially.

 

Breach of contractual agreement:  If you fail to adhere to the guidelines specified by the client or if you are unable to finish a project within the stipulated time, the client is entitled to file a lawsuit against you for the loss of business.

 

Theft or fraud:  In the event of a fraudulent activity by a staff member of the service provider, the client may initiate legal action against the service provider. However, indemnity insurance covers the claim by the client for the alleged loss.

 

Loss of important documents:  Professional indemnity insurance covers any loss of data that was in the custody of the insured.  If you lose or misplace a document and you are unable to retrieve it, it can result in business loss for the client depending on the significance of the document.

 

Defamation:  Any verbal or written communication that is deemed defamatory by the client can lead to legal action.  However, if the defamation was unintentional, the cover is provided to the insured.

 

Intellectual property breach (unintentional):  The insurance covers any accidental infringement of intellectual property under the copyright act.  For example, a consultant may be working with two clients and inadvertently uses a design or information of one client in a project with another client.

Different Types of Workplace Injuries

Injuries at the workplace affect worker productivity and the overall functioning of the workplace. Given this situation, it is crucial to have proper procedures in place to reduce the number of workplace injuries. Although there are a significant amount of safety procedures in developed countries to prevent accidents that occur while working, sometimes mishaps do take place owing to the risky nature of certain jobs and employee carelessness.

Work injury compensation insurance is mandatory in most countries for manual jobs and certain other types of jobs. The employer insures all the employees against any injury that occurs while on the job. Despite the guarantee of monetary compensation to the injured worker, work injury compensation does not offer any amount to penalise the employer for failure to follow the safety procedures.

There are other options. For example, if the injury is due to a defective appliance, the worker can bring a product liability action suit against the employer. Also if any damage takes place while working with toxic substances that does not involve employee negligence, a lawsuit can be filed against the manufacturer of the toxic substance. However it the time taken by the courts to judge these lawsuits might be quite long and there is no guarantee that the plaintiff might get the expected compensation. As a result, it is essential that all possible steps are taken to prevent accidents in the workplace. The rest of the article will describe the different types of injuries that occur in the workplace.

Spinal Injuries

Jobs that involve heavy weights can cause injuries to the spine that might require surgery and a long recovery time.

Trauma Injuries

The mining, construction and manufacturing industries involve a significant risk of an object falling on a worker. The traumatic injuries caused by this type of accident can be quite serious.

Machine Injuries

Injuries caused by carelessness while handling machines affect the extremities, as these body parts are exposed to the machines. In many unfortunate cases, workers can lose an arm or a leg in these types of accidents.

Repetitive Motion Injuries

Injuries like Carpal Tunnel syndrome, a medical condition caused by the compression of the median nerve at the carpal tunnel in the wrist, can occur in jobs that involve performing the same repetitive motion repeatedly. Computer-related jobs and certain jobs in manufacturing are good examples of jobs where this type of injury might take place.

Exposure to Hazardous Chemicals

Workers in industries that involve exposure to hazardous substances suffer illnesses like lung diseases and eye degeneration in the long term.

Given the risk factors mentioned above, it is very important that precautions are taken not only by the employer but also the government to ensure adequate worker safety.

All About Marine Safety

Business Perspective:

In business, transit of goods is very important. In fact, it is a necessity. Many businesses operate cross-border and with globalization setting in, overseas exchange of goods is now the norm. How often have you come across the scenario that you have ordered something on an e-commerce site and they have informed you that the product would take some time to reach as it needs to be shipped from another country? Then, you would keep getting messages about the stages of transit before it reaches you. One such stage would be when the online shopping site informs you that your order has been shipped. By the word “shipped”, we understand that the product, along with other products, has been put onto a cargo ship and would be reaching us soon.

Now imagine a situation — what if the cargo ship that was carrying the e-commerce sites goods meets with an accident and is damaged, wrecked or sinks? How will the e-commerce business bear such a massive loss? If such an accident happens on a ship, it can lead to an entire business turning bankrupt and thereby meeting its end. With the unpredictable weather conditions, it is very much possible that the goods carriers meet with such accidents. Hence, transit over the sea can pose a lot of danger to the cargo.

Marine Safety:

Hence, it is very important that there is a financial support system for the cargo that may be lost or damaged by transit on the sea. Such a financial support system would be marine cargo insurance. This is a sub-part of marine insurance which insures loss or damage of ships, cargo, terminals, and also the cargo that maybe transferred or acquired as a property. Marine insurance, as a measure of marine safety, has been one of the most well developed insurances and has originated with the Greek and Roman maritime loan.

Marine cargo insures the cargo that is shipped from one country to another. Marine cargo insurance covers damage done when there is a collision with another ship or there is a collision with an object in the harbor. This is termed as “running down”. Another instance of insurance coverage is ship wreck, when the wrecked material blocks the harbor and needs to be removed. Hence marine cargo insurance is a means of ensuring safety on the sea. It ensures that in case any cargo is damaged or lost, it does not lead to a major financial loss.

What Are Some of the Common Types of Commercial Insurance?

What is commercial insurance?

Commercial insurance helps provide protection against loss, theft, damage and destruction to businesses, property, ships, employees in companies, workmen working in dangerous construction sites, marine cargo on board ships, machinery and equipment and basically anything else, apart from personal insurance. Commercial insurance is just as important as personal or life insurance, as you can recover the complete cost of damage or loss to your property and buildings that you might have spent a lot on in the first place.

What are some of the common types of commercial insurance?

Here are some of the common types of commercial insurance provided by Allegiance, an insurance company located in Singapore that provides all kinds of personal and commercial insurance, as well as professional indemnity insurance in Singapore.

Employees benefit insurance – today, employees are just as important in big companies and organizations as the other assets of the company and without these valuable employees, the organization wouldn’t be able to run and make profits. Today’s environment is also extremely competitive so it is vital to retain the good employees. There are many employee benefit plans and packages available today to protect the interests of company employees and provide them with medical, accident and life insurance.

All companies, whether small, medium or large, must take employee benefits insurance for their employees as they are the most valuable assets to the company. Allegiance provides many comprehensive employees benefit insurance plans that are cost efficient, flexible and provide full coverage. They will even customise an employee benefits insurance program for you to adapt to your company’s needs and preferences.

Professional indemnity insurance – also known as professional liability insurance, it is a type of commercial insurance that is made to protect the financial interests of certain working professionals like lawyers, attorneys, insurance agents, accountants and similar professionals rendering legal and financial services.

They might commit errors, omissions, and certain unintentional acts of negligence or misjudgment while carrying out their professional duties towards clients. These professionals need protection for themselves and their property against hefty legal penalties and fees imposed by third parties and government authorities. Allegiance will provide professional indemnity insurance in Singapore to protect the business of professionals and the employees working in these organizations.

When do you need professional indemnity insurance?

You or your business will require professional indemnity insurance if:

  • You provide a professional service
  • These services are rendered to clients
  • You handle confidential information
  • You use the intellectual property rights of another company or professional
  • Your client requires you to have insurance
  • Professional indemnity insurance is compulsory for your company or business

Insurance Is Key To Keeping A Business Afloat

In planning for the future, you should be prepared for what may arise, which is vital in business. Business insurance is a complicated affair but the law demands that every business has an insurance coverage. With the right insurance policy in place, the business has respectability and displays seriousness.

Professional indemnity insurance ensures that the risks are taken care of even if you underestimate them. For instance, the business offered may be hit by a series of claims because of erroneous advice or a breach of contract. This can disrupt the flow with serious ramifications while incurring huge costs as settlement claims if you have not taken any cover.

The most common of all insurances today in the business arena is liability insurance. On starting out small with limited staff, it is necessary that every employee on and off the rolls be covered. If employees are not provided with adequate insurance, especially during work hours, the firm will be liable and be drawn into claims.

Public liability insurance is optional, but being cavalier about this can cause heartache later. This form of coverage factors any damage to property or persons that may occur at the workplace. While this is not an obligation, it is prudent to consider this because you are protected from every aspect. If the business is not covered, one can lose one’s license or go bankrupt. This also entails that any advice provided must be on point otherwise you may be opening yourself up to a claim.

Disasters can occur anytime and being prepared for an eventuality like so with professional indemnity insurance is judicious. Being cautious never harmed anyone. In fact, it works in protecting the business from a series of onslaughts.

To keep a business running and free from stain, one has to be vigilant. Of course, not everyone is privy about what is the best policy for the business and that is where www.allegiance.com.sg comes into play. You get to figure out what is the real deal for the model with suitable advice from the professionals. Cutting back on premiums is not always the right bet and paying through your nose for a big coverage is not the right fit. A broker will provide you with the right plan that suits the business. Every aspect must be looked into with detail before just diving into a policy that looks easy.

How to ensure safety in business in Singapore

Entrepreneurs are there in every nook and cranny of the world. There are people thriving with ideas in this world. All they need is a minimum amount of capital and business strategy to start their business. Apart from this they also need an environment that is conducive for business to grow and expand.

For a place to be good for business, it should have certain features. The government of that place should be open to industrial and commercial growth. It should provide a healthy environment for people to invest in business in that place.

Singapore is considered to be the ideal location for business to start and for global businesses to site their headquarters in Singapore. Singapore, with its strong trade and investment, has been termed as the most competitive Asian country and the most conducive place for business. It is easy to open the headquarters of one’s company in Singapore. The company can benefit from Singapore’s network of over fifty comprehensive Double Taxation Avoidance Agreements. Singapore has many free trade agreements and investment guarantee agreements from which the company can gain from. It is even easy to register one’s company in Singapore, as it can be easily done through online. Furthermore, it is easy to find different kinds of premises in Singapore to set up the business. Thus Singapore provides various measures that make running of business easy in Singapore.

Safety for the Business:

It is not just enough to set up a business. It is also important that the business runs smoothly and safely. Corporate insurance in Singapore provide safety to such businesses in Singapore.

There are various types of corporate insurance in Singapore. They cover various aspects of the business. There is the director’s and officers’ insurance that safeguard the company from financial losses incurred due to wrong decisions taken by directors and officers. There is worker’s compensation — an insurance that provides financial aid to the worker if he or she is injured while on duty. There is also a professional liability insurance that provides aid when there is a failure in rendering a professional service properly. For business owners there is also a business owners insurance that covers all the areas that a business owner might need.

Thus these are the different kinds of corporate insurances that ensure business is run smoothly in Singapore. These corporate insurances cover all areas of business.