INSURANCE – INTRODUCTION
Insurance is a common term in today’s world, as it refers to the act of indemnifying against any future event or occurrence. Insurance can also be said to be a contract which is backed up by a policy whereby an individual or a unit obtains financial immunity or repayment against losses from an insurance firm. Insurance policies are needed to protect against the risk gotten through financial losses, big and small ones inclusive, and they might result from the insured being damaged or the property of the insured. Also, it could be from liability for injury or damage which is inflicted on a third party.
These days, people have found the benefits inherent in insurance and hence, they have taken to exploring it by ensuring their homes and properties. So in cases where there is an unfortunate occurrence, they are covered to a large extent.
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EYE INSURANCE
Insurance also goes beyond homes and properties, people also insure their health. It is conventionally known that health insurance is a form of insurance which we should not live without, but people are not yet aware of eye insurance yet. When it comes to the ability to see, it is nearly as important as our overall state of health.
A good number of people feel that since their eyesight is perfect, there is no need for an eye insurance. However, in the long run, some eye-related problems could spring up, and then the cost of footing the expenses might just be too much due to the absence of an eye insurance package in place.
Eye examinations are known for perfectly uncovering concealed health problems, so those who have a supposed perfect vision are advised not to skip them. As one advance in age, the frequency of an eye check should be on the increase. People who have a family history of poor vision or any eye disease should undergo more regular exams.
For eye or vision insurance, there are lots of benefits which are not on the first mention, visible to people. Eye or vision insurance is most times used to explain the wellness and health-related plans which are structured to step down your expenses for a regular precautionary eye tend, and also the acquisition of prescription eyewear such as contact lenses and eyeglasses. It is a good way to reduce the expenses on eye care.
However, in contrast to most medical insurance policies which provide numerous benefits after some payments have been made, a good number of vision insurance plans are either discount-based or wellness plans which have exclusive discounts and benefits for a yearly package.
With effect to this, these discount-based and wellness plans operate on a savings basis, whereby after a while, the money accrued could be used to envelop the expenses of a simple eyewear, and even going to the extent of producing various eyewear products at a more significant low rate.
WHY IS EYE AND VISION CARE IMPORTANT
The importance of the eye and vision care cannot be overstated, this is due to the indispensable function which the eye gives the body. One of the important things which can be done to give the eyes an utmost care is to ensure that they are protected from injury. In any country, it would be a common sight for you to see people who have eye injuries from their job. A good number of these injuries stem from the little object which comes in contact with their eyes with varying levels of force. A good number of these injuries would have been prevented if the eye was properly protected by putting on a splash guard or safety glasses.
Asides the workplace, eye injuries are also bound to occur at home, there are a couple of home-activities which could cause injuries to the eyes, and they usually happen when the person is unaware. So, the same precautionary measures apply, a proper eye protection must be worn in order to prevent such. In cases when chemicals or other fluids come in contact with the eyes, it is essential that prompt care and attention is given to it. In this case, seeing the optometrist or an ophthalmologist would be the best option.
Looking away from the prevention of injury, one of the best ways to keep healthy eyes is to keep oneself healthy. Maintaining a healthy body weight, for instance, reduces the chances of coming up with diabetes, high cholesterol level or high blood pressure. All the aforementioned conditions are known to lead to loss of vision. Diabetes itself is known to be the foremost source of vision loss in the working-class population of any developed country.
Therefore, if you have been diagnosed with any of the conditions listed above, it is necessary that the doctor is consulted and the prescribed medications are followed strictly. If diabetes and other ill-health conditions can be controlled, then there is a high chance of reducing the risk of coming down with a poor eye vision.
HOW TO TAKE CARE OF THE EYES
Our eyes are not to be taken for granted due to their importance in the body and hence, they must be properly taken care of.
First and foremost, it is advised that good food is taken. Nutritionists are of the opinion that a healthy eye begins with the food which one eats. Foods which contains nutrients such as Lutein, zinc, vitamins C and E, omega-3 fatty acids would be instrumental in preventing age-related vision issues like cataracts and a couple of others. So to get these nutrients, foods such as green leafy vegetables, salmon, tuna, oranges, oysters, pork, eggs, nuts, beans, oily fish, are very good sources. A properly balanced diet helps one to maintain a healthy weight and reduces the chances of weight-related disease which is a foremost cause of blindness.
Also, those who are used to smoking, are advised to desist from doing so, owing to the negative effect which it has on the eyes. Those who smoke often are likely to have cataracts and optic nerve damage coupled with lots of other medical problems. For an addiction such as smoking, stopping the habit might be a herculean task, it is advisable that a doctor is contacted for help for tips on how to stop smoking.
In addition to this, sunglasses are also advisable to wear. Putting on the right shades of sunglasses helps to protect the eyes from the ultraviolet rays shed by the sun. If one is exposed to a large amount of ultraviolet rays, the chances of macular degeneration and cataracts, increases. So, lenses such as polarized and wraparound lenses help to protect the eyes. Contact lenses are also advisable for UV protection, nonetheless, wearing sunglasses, in addition, is still beneficial.
In close relation to the use of sunglasses, a safety eyewear is necessary when working at home or at the office. Asides this, sportsmen who play games such as ice hockey, lacrosse, and racquetball, are advised to use eye protection, and helmets which have protective face masks and goggles which are laced with polycarbonate lenses to protect the eyes.
Regular phone and computer users are also prone to having eye-related problems. A frequent use of the computer and phone could cause blurry vision, dry eyes, headaches, pain in the shoulder, neck, and back, eyestrain and the likes. To ensure that the eyes are protected, regular computer and phone users are advised to use prescribed glasses and contacts when facing a computer screen. Also, a safety important tip is to place the screen at the point where the eyes are at level with the monitor. Furthermore, the eyes should be allowed to the every 20 minutes and break should be taken at intervals.
Wrapping this up is visiting the eye doctor regularly, this also applies to young children. This regular check-up helps to protect the sight effectively. During the check-up, symptoms of diseases could be detected, and at the early stage, they would be easier to treat, rather than when they are full blown.
Two categories of doctors need to be seen as regards eye health. The first are Ophthalmologists, they are medical doctors who are specialists in eye care. They provide treatment for eye diseases, eye surgery, and general eye care. The second category is Optometrists, they do not carry out eye surgery, but they provide general eye care and also treat regular eye diseases.
WHAT ARE THE CONSEQUENCES OF NOT TAKING CARE OF YOUR EYES
A good number of people are used to ensuring that they eat healthy meals, visit the gym on a regular basis, clean the teeth effectively, whilst leaving out the care of the eyes, which is equally important in the body. The health of the eye is a major factor which determines life’s enjoyment, and it is one of the early signs which shows if something is wrong with the organs and systems in the body.
Many people do not either pay attention to their eye health or do not give it the same care which they give to other facets of their health. The vision degeneration which comes with age is very common, and it is most times unavoidable. Poor eyesight can either be age-related or a genetic condition. Changes in the body’s systems show up in the eyes, and if care is not taken, the health problem could aggravate into something more serious.
In addition to this, a regular visit to the optometrist would find it easy to detect hidden symptoms in the body. Kidney and Liver-related problems could cause visible signs which would be obvious in the eyes, and if this is not attended to, it could exacerbate over time.
Paying no attention to the health of the eye could make a condition pass the point where it might be possible to reverse or slow down the rate, in some cases, it could pass the point where it is possible to heal it.
Looking at Glaucoma for instance, which is one of the leading causes of blindness, its early identification and treatment are essential in preventing blindness. Sustaining a regular eye health is a part of having a healthy lifestyle. So, it is essential to schedule regular visits to eye specialists in order not to prevent loss of vision or eye-related conditions.
WHY IS HAVING EYE INSURANCE A GOOD IDEA
The importance of eye insurance is essential for everyone, and taking part in the benefits inherent goes a long way in ensuring a healthy lifestyle. There is no legal requirement behind vision insurance like car and health insurance would need, however, it is vital. It is required of everyone who purchases a health insurance plan, to also opt for a vision insurance to receive utmost healthcare for their eyes.
On a general basis, health insurance plans cater for eye care in cases of chief medical problems, so people who are beneficiaries of this who need frequent eye exams and prescribed eyeglasses and lens would also add vision insurance to the package.
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Under an eye or vision insurance plan, the basis of operation is quite easy. The first step would be to either deduct the premium from one’s paycheck in order to gain access to employer-sponsored plans or issue the vision insurer a check for a premium package for individual plans. In exchange for this, certain benefits such as discounted glasses, contacts and vision exams are within your reach.
A number of vision care plans could require you to visit a provider in the plan’s network or receive treatment by an ophthalmologist or optometrist. For those who already have an eye specialist whom they visit, ensure that their services are catered for by the plan you intend on purchasing.
Before you sign up for any plan, ensure that it covers everything you would need, as each plan are meant to cover different forms of expenses. Purchasing an eye insurance could prove tricky to some people based on a number of factors which are involved, however, it is advisable to research well, and sign up for the most valuable one.