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.