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Insurance in the Digital Age



The rapid development of technology has made people demand access to financial services that are fast and practical, not only in banking, but also in the insurance industry.

So it is not surprising, many insurance companies continue to improve and strengthen digital services, in order to maintain and strengthen their business.

As is known, the insurance industry in Indonesia is growing rapidly, driven by increasing living standards and awareness of the middle class on the importance of insurance and investment products. If this is not used properly, it is not impossible that insurance companies that have not gone digital are abandoned by customers.

In 2018, many insurance companies develop their products with digital services, for example PT Asuransi Tugu Pratama Indonesia Tbk (Tugu Insurance) has launched a t-drive application.

With this application, later the riders can easily get education about good driving plus education about the importance of insurance protection for motorists.

With this application for general users motorists can monitor and measure driver performance from morning to night in aspects of speed, acceleration, cornering, braking and cellphone use and can measure C02 emissions released on vehicles.

While specifically for Tugu Insurance policyholders. If the driver has an accident and requires emergency services, the driver can use this application to send his location.

Furthermore Tugu Real Experience or t rex (24-Hour ERA Service) will come to the scene as soon as possible and provide the first emergency handling for your vehicle.

In addition, PT Asuransi Astra Buana (Astra Insurance) also remains focused on boosting digital products this year. Because the character of consumers is currently considered to shift to digital products.

Moreover, said Astra Insurance CEO, Rudy Chen
the majority of Indonesia's population is young and will continue to grow again.

"The millennials are also very familiar with digital. So that we see opportunities for new segments that meet our needs, "explained Rudy while talking to the media in Bali late last year.

Currently, Astra's digital products themselves have been distributed to Jakarta, Surabaya, Bandung, Tangerang and Bekasi. However, further distribution of digital products will not be expanded to all regions in Indonesia, considering there are still people who prefer to branch offices.

Recently, Astra Insurance launched digital insurance products in the form of accident insurance, education insurance, property insurance, and travel.

Currently Astra's business portfolio is still dominated by automotive insurance from the retail segment by 50%. While the rest, amounting to 30% of the commercial segment, and health 15%.

Research: The risk of not exercising is the same as smoking and diabetes



Perhaps many have understood that not exercising can increase the likelihood of developing disease or premature aging. Underestimating the importance of exercise can indeed be harmful to health. But not many seem to know that the health risks of avoiding exercise are just as harmful as smoking.

Quoting USA Today (25/10), a study at the Cleveland Clinic studied more than 122 thousand patients who participated in treadmill testing between 1991 and 2014.

The study showed better cardiorespiratory health closely related to longer life. Meanwhile, extreme aerobic fitness provides the greatest benefits. Especially for people over 70 years of age and people with hypertension.

The study also said, the risk posed by not exercising is equal or higher than smoking or diabetes.

"Aerobic fitness is something that most patients can control," said cardiologist Dr. Wael Jaber from the Cleveland Clinic. They also found that in exercising there was no limit to how much exercise to do.

The study was published on October 19 in the Journal of the American Medical Association Network Open.

Although many studies support the importance of exercise, many people in the world do not have sufficient physical activity.

Last month, the World Health Organization (WHO) found that 1.4 billion of the world's population is not physically active. This puts them at risk for diseases such as diabetes.

Research from the Institute for Exercise and Environmental Medicine at Texas Health Presbyterian Hospital and the University of Texas Southwestern Medical Center, USA found that exercise two to three days a week can minimize stiffness in medium-sized arteries.

Well, it turns out exercise is really important for health. It's good if this good habit starts immediately. No need to exercise hard to start. Walking at high speed can actually be a good start.

This is a healthy reason to open the bedroom window in the morning



Opening a room window in the morning so that fresh air and sunlight can enter the room turns out to be a healthy habit. A study shows that this action can help reduce the risk of bacterial contamination.

Launching the New York Post, Sunday (10/21/2018), new studies show that if you do not open the window curtain in the morning, the possibility of falling ill can be greater.

Sunlight in the morning can kill disease-causing bacteria that live in dust. Meanwhile, darker conditions actually make them develop.

The findings, published in the Microbiome scientific journal, also warned of problems that appeared in offices without windows.

"Humans spend most of the time indoors, where exposure to dust particles that carry bacteria, including pathogens that can make us sick, cannot be avoided," said study leader Ashkaan Fahimipour.

So, buildings or houses occupied play an important role in determining one's health. "It is important to understand the features of the buildings we occupy, affect the dust ecosystem and how this can affect our health," Fahimipour said.

The team at the University of Oregon, United States, conducted research by creating eleven miniature rooms.

The rooms are identical to each other and placed at various levels of light. After 90 days, a dark room has twice the number of bacteria.

"We hope that with further understanding, we can design access to sunlight in buildings such as schools, offices, hospitals, and homes in ways that reduce the risk of infection from being transmitted by dust," Fahimipour added.

So for those of you who are accustomed to waking up in pitch black rooms, from now on try to get used to lifting the curtains and opening the windows. Although blinding to the eyes, in fact the morning sunlight does provide many benefits to our health.

Hyperbaric oxygen therapy is able to treat various diseases


Hyperbaric Oxygen Therapy (HBOT) or hyperbaric oxygen therapy is believed to cure various diseases. HBOT is a method of giving pure oxygen to patients in a high-pressure room, which is more than 1 Absolute Atmosphere that aims to improve and improve the condition of the body.

In the socialization of the benefits of the treatment of 'Hyperbaric Oxygen Therapy (HBOT) on Wound Healing and Wellness' held by Siloam Hospitals Manado on Monday (10/22), reconstructive and aesthetic plastic surgeon Dr. Mendy Hatibie, Sp. BP-RE, said that HBOT is generally intended for decompression diseases that are often experienced by deep sea divers.

HBOT can also be used to treat various clinical indications, including healing body wounds such as burns and wounds related to diabetes mellitus and skin grafting. This was officially recognized by the Undersea and Hyperbaric Medical Society (UHMS) and the Food and Drug Administration (FDA) in the United States in 2011.

Giving pure oxygen in pressurized spaces called chambers is able to supply 10-15 times more oxygen, compared to if oxygen is administered at sea level or at normal atmospheric levels. Therefore, HBOT is considered effective for stimulating the formation of new blood vessels, reducing swelling and inflammation, deactivating toxins, increasing the ability of white blood cells to fight infections, killing several types of harmful bacteria, helping the body build new connective tissue, cleansing toxins and metabolic waste products, and accelerate the healing process.

For patients with diabetes mellitus, HBOT can be useful to overcome complications of health problems that usually occur frequently. The complications are caused by high blood sugar levels in the body lasts a long time so that it damages the blood vessels and nervous system.

"Diabetes complications can result in some damage to body parts, such as heart disease, impaired kidney function, blindness, foot decay which sometimes requires amputation, and impotence. The oxygen supply from HBOT can improve nerve function and improve blood circulation, and can improve patient insulin performance diabetes, "explained Mendy Hatibie.

The results of HBOT can be felt after running several therapy sessions, where this therapy can also be carried out in conjunction with other therapies in accordance with the doctor's recommendations. In general, the more chronic the patient's condition is, the more needed sessions can be.

"Discuss with your doctor what specific therapies you can receive according to medical conditions and how many sessions you have to go through. Tell your medical condition clearly and completely to the doctor to avoid unwanted side effects," Mendy Hatibie added.

Reveal Facts Prostate Cancer


Prostate cancer is the biggest threat to the men . Because the disease is also the leading cause of death after lung cancer .

Each year , patients with prostate cancer has increased . Even in India could reach 1 % .

Reported Healthmeup , there are some interesting facts about the cancer . First , every 2.5 minutes the men expressed prostate cancer . In fact , every 17 minutes not a few who die from it .

Another fact , the man who does not smoke closer to prostate cancer . This is in contrast with the smokers who generally suffer from lung , bronchus , colon , rectum , bladder , lymphoma , melanoma , oral cancer , and kidney combined .

But you need to know more, prostate cancer is relatively slow growing . In fact , these patients may survive as long as possible .

Finally, prostate cancer is usually experienced by men over the age of 50 years . Even more than 70 % , of patients aged 65 years . But until now it was not known precisely why older men are the most widely prostate cancer . ( )
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