What are the key benefits of insurance? What are premiums?

 What are the key benefits of insurance? What are premiums?

# **Understanding Insurance: Key Benefits and the Role of Premiums**

Insurance plays a vital role in financial planning, providing protection against unexpected risks and fostering peace of mind. Whether it’s safeguarding your health, life, property, or business, insurance serves as a safety net when uncertainties strike. In this blog, we’ll explore the **key benefits of insurance** and break down an essential concept: **premiums**.  

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## **What Are the Key Benefits of Insurance?**

Insurance offers numerous advantages, making it a cornerstone of financial security. Here are the most significant benefits:

### **1. Financial Protection**

Life is unpredictable, and unexpected events like illnesses, accidents, or natural disasters can result in substantial financial burdens. Insurance mitigates these risks by covering the associated costs, ensuring you don’t have to drain your savings or incur debt.

- **Example:** Health insurance covers expensive medical treatments, while auto insurance pays for repairs and liability after an accident.

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### **2. Peace of Mind**

Knowing you are financially protected allows you to focus on your goals without constant worry about “what if” scenarios. Insurance brings emotional security, reducing stress about potential future losses.

- **Example:** Life insurance ensures that your family’s needs will be met even if you are no longer there to provide for them.

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### **3. Legal Compliance**

Certain types of insurance are mandatory by law. Compliance with these requirements not only protects you but also safeguards others who may be impacted by your actions.

- **Example:** Auto insurance is required in most countries to cover liability for accidents. Similarly, businesses may need workers’ compensation insurance to protect employees.

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### **4. Risk Management and Sharing**

Insurance operates on the principle of risk pooling. By spreading risks across many policyholders, insurers can compensate those who experience losses without overwhelming financial strain on any one person.

- **Example:** When a natural disaster damages homes, homeowners’ insurance allows those affected to recover financially while others in the pool continue contributing premiums.

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### **5. Encouragement to Save**

Certain types of insurance, like life insurance, combine protection with savings or investment benefits. These policies accumulate cash value over time, which can be used for future needs like retirement or education.

- **Example:** Whole life insurance offers a death benefit along with a savings component that grows over time.

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### **6. Coverage for Businesses**

Insurance is crucial for businesses to protect against risks such as property damage, liability claims, and employee injuries. It ensures business continuity even in adverse situations.

- **Example:** Cyber insurance shields businesses from financial losses caused by data breaches or cyberattacks.

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### **7. Tax Benefits**

In many countries, insurance premiums and payouts can provide tax advantages, making it an attractive financial tool.

- **Example:** Life insurance premiums may qualify for tax deductions, and the death benefit is often tax-free.

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## **What Are Premiums in Insurance?**

At the heart of any insurance policy is the concept of **premiums**—the price you pay for coverage. Understanding premiums is crucial to making informed decisions about your insurance needs.

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### **1. Definition of Premiums**

A premium is the amount of money a policyholder pays to an insurance company in exchange for coverage. Premiums can be paid periodically (monthly, quarterly, or annually) or as a lump sum, depending on the policy terms.

- **Example:** If you pay $100 per month for car insurance, that amount is your premium.

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### **2. Factors Influencing Premiums**

Insurance premiums are not one-size-fits-all. They are determined by several factors that assess the level of risk you represent to the insurer:

- **Type of Insurance:** Different policies have different cost structures (e.g., health insurance premiums are based on medical history, while auto insurance considers driving records).  

- **Risk Profile:** Age, health status, occupation, lifestyle, and geographic location affect premiums.  

- **Coverage Amount:** Higher coverage limits and broader policies result in higher premiums.  

- **Deductibles:** Policies with higher deductibles (the amount you pay before the insurer covers the rest) often have lower premiums.  

- **Claims History:** A history of frequent claims may increase your premiums.  

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### **3. Why Are Premiums Necessary?**

Premiums fund the insurance pool, enabling insurers to pay claims when policyholders experience losses. By collecting premiums from a large group of people, insurers ensure they have the financial resources to cover risks.

- **Example:** In health insurance, premiums paid by all members of the pool help fund medical expenses for those who require treatments.

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### **4. How Are Premiums Paid?**

Premiums can be structured to suit the policyholder’s preferences:  

- **Regular Payments:** Monthly, quarterly, or annual payments.  

- **One-Time Payment:** Single-premium policies for long-term coverage, such as specific life insurance plans.  

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### **5. Can Premiums Change Over Time?**

Yes, premiums can fluctuate based on:  

- Changes in risk factors (e.g., health deterioration, aging).  

- Market conditions or regulatory changes.  

- Adjustments in coverage or deductible levels.  

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## **Conclusion**

Insurance is a cornerstone of financial stability, offering protection, peace of mind, and risk management. By understanding the role of premiums and their importance in the insurance process, you can make better decisions about the coverage that suits your needs and budget.  

Insurance is not just about managing risk; it’s about building a secure future for yourself and your loved ones. Whether you’re insuring your health, life, car, or home, having the right coverage ensures you’re prepared for life’s uncertainties while safeguarding your financial well-being.  

What are the 4 basic types of insurance? How does insurance work?

 What are the 4 basic types of insurance? How does insurance work?

### **The Four Basic Types of Insurance**

Insurance can be categorized into several types, but four basic types are widely recognized as essential for individuals and families. These are:

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### **1. Life Insurance**  

**Purpose:** Provides financial support to your family or dependents in the event of your death.

- **How It Works:**  

  - The policyholder pays premiums to the insurer.  

  - If the policyholder passes away while the policy is active, the insurer pays a death benefit to the beneficiaries.  

  - Policies can be **term-based** (covering a specific time period) or **permanent** (lifetime coverage with savings/investment components).

- **Key Features:**  

  - Protects loved ones from financial hardship.  

  - Can help cover debts, education expenses, or daily living costs.  

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### **2. Health Insurance**  

**Purpose:** Covers medical expenses, including doctor visits, surgeries, and prescriptions.  

- **How It Works:**  

  - The policyholder pays premiums and sometimes additional costs like deductibles or copayments.  

  - The insurer covers eligible healthcare expenses according to the terms of the policy.  

  - Coverage may be for preventive care, emergencies, chronic illnesses, or specialist treatments.  

- **Key Features:**  

  - Prevents financial strain from high medical costs.  

  - Often provided by employers or purchased individually.  

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### **3. Auto Insurance**  

**Purpose:** Provides financial protection for vehicle-related risks, including accidents, theft, and damage.  

- **How It Works:**  

  - Drivers pay premiums based on factors like driving history, vehicle type, and location.  

  - In the event of an accident or covered event, the insurer compensates for damages or injuries up to the policy limits.  

- **Key Features:**  

  - Liability coverage is often mandatory in most jurisdictions.  

  - Additional coverage options include collision and comprehensive policies.  

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### **4. Property Insurance**  

**Purpose:** Protects homes, buildings, and personal belongings against risks like fire, theft, and natural disasters.  

- **How It Works:**  

  - Policyholders pay premiums based on the value of the property and the type of coverage.  

  - If damage or loss occurs due to a covered peril, the insurer pays for repairs or replacements.  

- **Key Features:**  

  - Includes homeowners insurance, renters insurance, and landlord policies.  

  - May cover both the structure and its contents.  

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### **How Does Insurance Work?**

Insurance is a financial arrangement where risk is transferred from an individual or entity (the insured) to an insurance company (the insurer). Here's a step-by-step explanation:

#### **1. Application and Underwriting**  

- The policyholder applies for coverage, providing details about their risk profile (e.g., health, property value, driving record).  

- The insurer assesses the risk (underwriting) to decide:  

  - Whether to offer coverage.  

  - The premium amount based on the level of risk.  

#### **2. Paying Premiums**  

- The insured pays regular premiums (monthly, quarterly, or annually) to keep the policy active.  

- These payments form a pool of funds used by the insurer to cover claims.

#### **3. Coverage Period**  

- The policy specifies the terms, including:  

  - What is covered (e.g., medical bills, vehicle damage).  

  - Exclusions (what isn’t covered).  

  - Policy limits (the maximum amount the insurer will pay).  

#### **4. Filing a Claim**  

- If a covered event occurs, the insured files a claim with the insurer.  

- The insurer evaluates the claim to verify if the event is covered and determines the payout amount.

#### **5. Compensation**  

- If approved, the insurer compensates the insured for the covered losses, either by paying directly to service providers (e.g., hospitals, repair shops) or reimbursing the insured.  

#### **6. Risk Pooling**  

- Insurance companies rely on pooling risk.  

  - Many people pay premiums, but only a small percentage file claims.  

  - This allows insurers to cover large losses for those who experience them.  

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### **Key Principles That Govern Insurance**

1. **Utmost Good Faith:** Both parties must provide complete and honest information.  

2. **Indemnity:** The insured is compensated to restore them to their financial position before the loss (not for profit).  

3. **Insurable Interest:** The insured must have a legitimate interest in the item or person insured.  

4. **Proximate Cause:** Only losses caused directly by covered events are eligible for compensation.  

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### **Benefits of Insurance**

- **Financial Protection:** Shields against unexpected costs.  

- **Legal Compliance:** Certain types (e.g., auto insurance) are mandatory.  

- **Peace of Mind:** Reduces stress by providing a safety net.  

- **Encourages Savings:** Some policies, like whole life insurance, also function as investment vehicles.  

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By understanding the types of insurance and how they work, individuals and businesses can make informed decisions to safeguard their financial future. 

What are the top 3 types of insurance? What is risk in insurance?

 What are the top 3 types of insurance? What is risk in insurance?

The **top three types of insurance** are typically the ones most essential for individuals and families to ensure financial security and peace of mind. Here's a breakdown of each:  

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### 1. **Health Insurance**  

**Why It’s Important:**  

Health insurance covers medical expenses, including doctor visits, hospital stays, surgeries, and medications. It ensures that individuals and families can access necessary healthcare without facing overwhelming financial burdens.  

**Key Benefits:**  

- Covers preventive care (e.g., vaccinations and check-ups).  

- Reduces out-of-pocket costs for major medical procedures.  

- Protects against unexpected health crises and chronic conditions.  

**Popular Options:**  

- Employer-sponsored health plans.  

- Government programs like Medicare and Medicaid.  

- Private health insurance policies.  

---

### 2. **Life Insurance**  

**Why It’s Important:**  

Life insurance provides financial support to your loved ones in the event of your death. It helps cover expenses like funeral costs, outstanding debts, and future living expenses for your family.  

**Key Benefits:**  

- Ensures financial stability for dependents.  

- Helps pay off mortgages, loans, and other debts.  

- Offers peace of mind, knowing your family is financially secure.  

**Types of Life Insurance:**  

- **Term Life Insurance:** Coverage for a specific period (e.g., 10, 20, or 30 years).  

- **Whole Life Insurance:** Lifetime coverage with a cash value component.  

- **Universal Life Insurance:** Flexible policies with investment options.  

---

### 3. **Auto Insurance**  

**Why It’s Important:**  

Auto insurance is often required by law and protects drivers from financial liabilities related to car accidents, theft, or damage. It covers both personal and third-party risks.  

**Key Benefits:**  

- Covers repair or replacement costs for your vehicle.  

- Provides liability coverage for damages or injuries caused to others.  

- Protects against uninsured or underinsured drivers.  

**Coverage Options:**  

- **Liability Insurance:** Covers damages and injuries you cause to others.  

- **Collision Coverage:** Pays for damage to your own vehicle.  

- **Comprehensive Coverage:** Covers non-collision-related damages, like theft or natural disasters.  

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### Why These Three?  

These types of insurance address the most common and critical risks individuals face: health emergencies, the financial impact of death, and liabilities related to vehicle use. Together, they form the foundation of a sound financial protection plan.  

In the context of insurance, **risk** refers to the possibility or likelihood of an event occurring that could result in financial loss, injury, or damage to property. Insurance is fundamentally about managing this uncertainty by transferring the financial burden of potential risks from the insured to the insurer.

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### **Types of Risk in Insurance**

1. **Pure Risk**  

   - Involves situations where there is only a possibility of loss or no loss, with no potential for gain.  

   - Examples: Natural disasters, theft, illness, or death.  

   - Insurers typically cover pure risks because they can be measured and predicted statistically.  

2. **Speculative Risk**  

   - Involves situations where there is a possibility of loss, no loss, or a gain.  

   - Examples: Investments, business ventures.  

   - Speculative risks are not insurable because they depend on individual choices and market conditions.  

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### **Components of Risk in Insurance**

1. **Peril**  

   - A specific cause of loss, such as fire, flood, or accident.  

   - Example: A house burning down due to a fire is a peril.  

2. **Hazard**  

   - Conditions or circumstances that increase the likelihood of a peril occurring.  

   - Types of Hazards:  

     - **Physical Hazards:** Tangible factors like a faulty electrical system.  

     - **Moral Hazards:** Behavioral risks, like exaggerating claims.  

     - **Morale Hazards:** Carelessness, such as leaving doors unlocked.  

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### **Risk Assessment in Insurance**  

Insurers assess risk to determine:  

1. **Premiums:** Higher-risk individuals or properties may be charged more.  

2. **Policy Terms:** Coverage limits and exclusions are set based on the risk profile.  

3. **Insurability:** Some risks are deemed uninsurable if they are too unpredictable or catastrophic.  

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### **Risk Mitigation in Insurance**  

Insurance doesn't eliminate risk but helps manage it. Risk mitigation strategies include:  

1. **Risk Transfer:** Transferring the financial burden to an insurer by purchasing a policy.  

2. **Risk Reduction:** Taking steps to lower the likelihood or severity of risks (e.g., installing smoke detectors).  

3. **Risk Retention:** Accepting minor risks (like small deductibles) to save on premiums.  

---

### **Examples of Risk in Different Insurance Types**

- **Health Insurance:** The risk of illness or injury leading to medical expenses.  

- **Auto Insurance:** The risk of car accidents or vehicle theft.  

- **Life Insurance:** The risk of premature death and its financial impact on dependents.  

- **Property Insurance:** The risk of property damage due to natural disasters or theft.  

---

Understanding risk is the cornerstone of insurance. It enables insurers to design policies that protect individuals and businesses while ensuring sustainability for the company.

What are the health effects of quitting smoking?

 What are the health effects of quitting smoking?

According to a recent study, the harmful chemicals in cigarettes can adversely affect the functioning of the heart. Cigarette smoke contains various types of harmful chemicals, which get mixed in the blood during breathing. It affects the cardiovascular system and there is a risk of blood clots.

The risk of high blood pressure and heart attack increases due to obstruction of blood flow. In the smokers of the study, the blood flow is reduced due to the narrowing of the blood vessels, so that sometimes the blood supply to the brain is not easy. And, because of this, the possibility of stroke is more. Accordingly, if people under 50 smoke more than 20 cigarettes a day, the risk of stroke increases twice, according to the study.

According to data from the World Stroke Organization (WSO), smoking definitely increases the risk of stroke. The toxic chemicals found in cigarettes damage the cells and make it difficult for the heart to pump. which can cause stroke. Similarly, according to a study recently published in e-Clinical Medicine, people who smoke have a higher risk of stroke.

Does smoking harm the stomach?

Smoking is equally harmful for the stomach. Many may not know. It also damages the digestive system. As soon as you smoke, nicotine and tobacco reach your mouth, throat and stomach. It causes many problems like constipation, indigestion, gas, acidity, lack of appetite. The risk of diabetes also increases.

Other problems caused by smoking

Smoking reduces blood flow as well as lack of oxygen in the blood. Smoking thickens the blood, which increases the risk of blood clots. Because of this, blood pressure increases as well as cholesterol.

It causes problems related to lungs and also increases the risk of diabetes. Along with bronchitis (respiratory disease), it can also cause other problems related to the throat.

Some say that even one cigarette a day is not considered safe for health. In simple language, if you smoke more cigarettes, it will harm your body more and if you smoke less cigarettes or if you can quit smoking, it will harm your health less. So if you have a habit of smoking 10-15 or 20 cigarettes a day, you should change this habit immediately. In this case, it is beneficial to quit smoking completely.

Instant health benefits

If you can quit smoking, you will see a positive effect on your health immediately. It reduces the level of carbon monoxide in the blood. Carbon monoxide is a type of gas. It removes oxygen from the hemoglobin in the blood. As a result, heart rate and blood pressure become normal.

Also read this

"If a smoker breaks a bone, it will be difficult to join"

Improves the respiratory system

Within a few weeks of quitting smoking, the respiratory system begins to improve. It improves lung function, which reduces symptoms like shortness of breath and cough. This also reduces the risk of other infections.

Increases immunity

Smoking damages the immune system, but quitting smoking improves the immune system. It reduces respiratory infections and fights and protects against various other diseases. And improves overall health.

Improves taste and smell

Smoking affects smell and taste, but when you stop smoking, the damaged or weakened senses become active again. And, the real taste and smell will be known again.

E-cigarettes are becoming a fashion among the youth, health is at risk

 E-cigarettes are becoming a fashion among the youth, health is at risk

12-year-old Sarah Griffin, who lives in the UK, suffered from asthma last September. Sarah, who has been in a coma in the hospital for a few days, is now improving. But his addiction to vape has badly damaged his lungs.

According to the BBC, one of the girl's lungs is almost completely destroyed. According to the doctor, his respiratory system has become like that of an 80-year-old instead of a 12-year-old child. Vape, which can make a 12-year-old's respiratory system look like an 80-year-old's, is now gaining popularity not only in Western countries, but also in Eastern countries. Vape (e-cigarette) has started to become a headache among tobacco products.

What is vape?

A vape is an electric cigarette that runs on a battery. People use it to heat liquids into a vapor that can be inhaled. It is considered a cancer-causing tobacco product because the inhaled vapor contains nicotine (a drug that makes tobacco addictive), flavors and toxic substances.

Vape became fashionable in Yuvapindi

Doctors say that the number of school-aged children who use vape in Nepal is increasing. Chest specialist Niraj Bam says, 'Vape has become like a fashion among young people. School and plus two age group studying in urban areas who have started adolescence are getting addicted to vape.

Psychiatrist Dr. Nirajan Bhattarai says that vape has made it easier for young people who are afraid or hesitant to smoke. Even if they want to smoke, children who are afraid and ashamed of their parents will confidently smoke in front of everyone. It has become a problem to openly smoke vape as a style. Because of this, the number of vape users is increasing, Dr. Bhattarai says.

Dr. Nirajan Bhattarai, Psychiatrist

Health risks

Dr. He says that the use of vape, which is being consumed like bomb cigarettes, will cause short-term and long-term health problems. According to him, the short-term effects may include vomiting, nausea, cough, difficulty breathing, mouth burning, and asthma and pneumonia. Long-term effects can include lung infections and damage, heart disease, cancer, and brain problems.

Dr. Bam adds, 'Nicotine products are considered harmful to health, which is why most countries have banned them. It should be banned in Nepal as well.

What do the statistics say?

According to a recent survey in the UK, one in five children between the ages of 11 and 17 use vape. This number is three times more than in 2020.

In the case of Nepal, there has been no research on this. Therefore, it is not possible to estimate how many people use vape. But many people who come to the OPD with lung problems are found to be using vape and hookah. Bam says. Because of this, he says, it will be difficult to control the use of tobacco products like vape and hookah, just as we have to gradually reduce smoking in Nepal.

Greater impact at younger ages

Dr. According to Bam, vaping poses a double threat to the younger age group. First, the various chemicals used in it, nicotine, harms the lungs. It weakens the lungs at an early age. Secondly, once you become addicted, the chances of getting addicted to cigarettes increase even more,” he says. Nicotine affects the brain development of children and adolescents. He says that in the future they will not be able to concentrate on their studies.

Dr. Neeraj Bam, thoracic specialist

Vaping is not a substitute for quitting smoking

In 2003, Hon Lik, a Chinese pharmacist who made e-cigarettes, claimed that he could easily quit smoking with its help. But e-cigarettes, which were created to help people get rid of cigarette addiction, have now become a big challenge for the world. Dr. There is no authentic research that the use of e-cigarettes helps to quit smoking. Bam says.

Is vape less dangerous than cigarettes? Dr. Bam says, 'Of the two types of poison, which one is better is the same thing. The possibility of quitting smoking through e-cigarettes is completely delusional. Harmful substances like nicotine are found in both.

How do you get addicted to vape?

Psychiatrist Dr. According to Bhattarai, vaping every day is likely to become addictive. It seems that after starting to eat under the pressure of social media, peers and friends, it gradually becomes a craving and becomes an addiction. If you start drinking tea during the day, as you get used to it, the more you consume the nicotine in the vape, the more you will become addicted. Nicotine increases the level of dopamine (hormone of pleasure). As a result, the desire to eat increases. The role of nicotine is to depend on it. Most people are taking it in the name of getting rid of smoking addiction. Who gradually becomes addicted to it,' said Dr. Bhattarai says.

Addiction treatment is possible

It is possible to get rid of vape addiction. But with family, own desire and medical treatment is necessary. Bhattarai says. In the treatment of its addiction, depending on the level of addiction, chewing gum and nicotine spray are given to reduce nicotine. After that, some medication and therapy will gradually reduce the desire for nicotine. Bhattarai says.

How dangerous are male genital infections?

How dangerous are male genital infections?

Genital burning in men can be caused by anything from a simple allergic reaction to a serious sexually transmitted disease. In some cases, the genitals may also burn due to urinary infection.

If there is no serious problem but it just itches, then it can also be caused by underwear. Especially in the summer season, the inner clothes become wet and damp with sweat. As a result, the rash becomes infected and causes itching, burning and peeling of the skin.

The risk of infection is also higher in those who wear 'synthetic fabric' underwear.

what to do

- Cotton should be used for inner clothes. Cotton cloth can keep the genitals dry for hours by easily removing the moisture and sweat from the genitals.

- Changing underwear daily.

- You can sleep without underwear at night. By doing this, if there is a problem of burning and itching, it will give relief to some extent.

Allergic reaction

Sometimes the use of moisturizers, gels or soaps can also cause allergies. The chemicals in these products can cause itching and burning.

Therefore, if this problem occurs, it is advisable to stop these products for a few days or consult a doctor.

what to do

- If it is a chemical reaction, then the genitals and its surroundings should be thoroughly washed with warm water twice a day.

- After that, wipe with a cotton cloth and put on a cotton inner garment.

Genital dryness during intercourse

Not only underwear, genitals can also burn during sexual intercourse. This problem bothers most men who experience intense burning.

This problem can be due to lack of lubricant. It can cause not only burning but also genital pain and red spots.

what to do

- If a condom is not used during intercourse, a safe type of lubricant can be used.

- Attention should be paid to the cleanliness of the genitals.

- If there is a problem with burning even after three days, it is advisable to see a urologist.

sexually transmitted disease

Sexually transmitted infections are also a common cause of male genital burning. This problem is seen as a symptom in sexually transmitted diseases like herpes, ringworm, gonorrhea and chlamydia.

To guess that it may be a sexually transmitted disease, symptoms such as reddening, soreness, discharge of pus, pain during intercourse are seen along with burning of the penis.

The main cause of sexually transmitted infections in men is having too many sexual partners and not using a condom during intercourse.

what to do

- If you suspect the symptoms of a sexually transmitted disease, you can see a sexologist or a urologist.

- Timely identification of sexually transmitted diseases and drug treatment according to the problem is possible.

Fungal infection

Symptoms such as burning, white blisters, and frequent itching are seen even when there is growth of fungus (thrush) on the penis. However, this problem is less common in men than in women.

But lack of attention to hygiene, not changing underwear daily, wearing cold underwear and having unprotected sex with a sexually infected partner can cause fungal infection.

what to do

- If there is an infection, if antifungal medicine is used, the infection will gradually disappear along with the symptoms. But the medicine should be taken only on the advice of a doctor.

- Regardless of whether there is a problem or not, you should always pay attention to hygiene and make a habit of having sex in a safe manner.

Urinary tract infection

In case of urine infection, it can be easily recognized as the symptoms are clear. Burning when urinating, feeling full in the bladder and frequent urination are the main symptoms of urinary infection.

what to do

- Antibiotics are used in its treatment. If you take the medicine recommended by the doctor after looking at the condition, you will recover quickly.

Eczema or psoriasis

Skin problems like eczema or psoriasis can also make the penis and the area around it dry. Due to this, there are problems like itching, burning, swelling of the skin.

what to do

- Dermatologist or urologist can give some medicine depending on the condition.

- Do not bathe with hot water in this condition. And don't rub it on the skin. It can cause more problems by creating wounds on the skin.

Kidney stones

Kidney stones are small lumps or clusters made of minerals and salts that can form anywhere in the urinary tract.

Its causes are low fluid intake and frequent urinary infections, low citrate in urine, bowel problems, taking HIV antiviral drugs and scoliosis drugs, increased uric acid levels, and in some cases, stones can also occur due to low water intake.

Because of this, there is excessive burning during the discharge of urine from the urethra. Also, symptoms like lower back pain and fever are seen.

what to do

- There are different methods of treatment according to the type, size, location and structure of stones. Small stones can be treated with medication.

- If the stones are small, the patient is made to increase the amount of medicine and water. Because of this, the stones are easily washed away with the urine.

- In case of very large kidney stones, surgery or laser treatment may be recommended to remove them.

Problems with the prostate gland

Even if there is a problem with the prostate gland, there may be an intense burning sensation in the penis. Its size increases with age. When the number of cells in the prostate gland increases, the size and weight of the gland increases.

The cover or shell of the prostate gland is not so flexible. As the flexibility of the prostate gland is limited, when this gland grows, the urethra begins to be pressed, so the urine does not get an easy passage.

As the gland enlarges, the urethra becomes narrower and longer  It happens. The symptoms of which are burning urine, pain, blood in urine and delayed urination.

what to do

- According to the doctor's advice, treatment according to the symptoms, use of drugs, use of alpha blockers and other drugs that dry the prostate gland can be very effective.

- If it has been a long time and the medicine stops working effectively, or if the size of the prostate gland is very large, surgery is necessary.

- Surgery is now possible through binoculars and laser technology. So that the complexity is less.

Why are X-rays done?

 Why are X-rays done?

At one point or another, most of us have had an X-ray of some part of the body. Everyone has heard about this test since childhood.

As soon as the word X-ray comes to our mind, a black picture comes in front of us, in which the image of bones is visible. But its function is not only to show pictures, there are many others. Few people know the real information.

What is X-ray?

An X-ray is a type of imaging test. which creates a picture of your bones and other organs attached to them. An X-ray machine uses a safe amount of radiation to make this picture. From the picture prepared through X-ray, the doctor makes a plan about the treatment and what kind of treatment is needed.

Usually, in the case of broken bones, due to an accidental accident, the bones of any part of the body have been broken and the diseases related to it are checked. X-rays are a safe and effective way to assess bone health.

Why do X-rays?

- To identify broken bones

- To determine the cause of pain and swelling symptoms

-To identify other foreign objects in the body

-To detect structural problems of bones, joints or soft tissue attached to joints

- And, regular examination may be necessary for cancer and other diseases as well.

Types of X-rays

X-ray is not only for one part of the body. There are many parts. According to which there are types of X-ray tests.

Abdominal X-ray: This X-ray takes pictures of the kidneys, stomach, liver and bladder. Which helps to identify kidney and bladder stones. It consists of a special type of abdominal X-ray. It is called barium enema, which helps to use the digestive system.

X-ray of bones: X-rays are also used to see the condition of broken bones, disorganized joints and lumps. Bone infection and cancer can also be identified through this.

Chest X-ray: This test helps to detect pneumonia, heart, lung and chest bone problems.

Dental X-ray: Dental X-ray helps to check the health condition of teeth and gums.

Fluoroscopy: Fluoroscopy shows images of soft tissues such as organs and intestines. The X-ray also detects the movement of the organs on the screen like a film.

Fluoroscopy is often used in x-rays of the digestive system.

CityScan

A CT scan is also a radiology study. Which shows a picture of the condition of bones, organs and tissues through a monitor. This machine looks like a donut shape.

Mammograms: Providers use mammograms to take X-ray pictures of breast tissue, evaluate breast lumps, and diagnose breast cancer. From which breast lumps can be evaluated and breast cancer can be identified.

How does X-ray work?

X-rays send radiation through the body. The light of that radiation is invisible. which cannot be experienced. The beam is passed through the body and an image is formed on the X-ray detector located near it. Bones, cells, tissues and other structures absorb the radiation as it passes through the body. That's why it looks like a bright white color on X-ray. But soft tissue does not absorb radiation easily. That's why X-ray shows gray color.

How to prepare for X-ray?

-Inform your health care provider or examiner about your health history, allergies, and any medications you are taking.

- In general, no special preparation is required to prepare for a bone X-ray. For other types of X-rays, the examiner may give some preparation instructions.

- Do not use lotion, cream or perfume when preparing for any type of X-ray.

-Metal objects such as jewellery, hairpins or hearing aids cannot be used. You should wear comfortable clothes before the X-ray.

X-ray exposure

In general, X-rays are safe and effective for people of all ages.

If there is a possibility of pregnancy, you may need to tell the doctor before taking the X-ray. Because X-ray radiation can harm the fetus. If you are pregnant, if there is less harm, the doctor suggests to do MRI or ultrasound.

When will the X-ray results be available?

Bone X-ray results are usually ready immediately. After the X-ray, the doctor will advise you about the results. Apart from that, it may take a long time to get the results of the X-ray test.

Side effects of x-rays

Some people may be allergic after X-ray. Symptoms may appear a day or two after the X-ray. If you experience headache, skin rash, itching, vomiting or nausea and difficulty breathing, you should contact your doctor immediately. But these symptoms are seen only by few.

How healthy are you? It can be detected by the color of urine

 How healthy are you? It can be detected by the color of urine

Red, yellow, pink and green. Sometimes the color of urine can be like a rainbow. It can also be purple, orange or blue in color. Many such changes in the color of urine cannot be considered a normal condition.

Our body removes waste through urine. It also flushes out the nitrogenous wastes that are formed by mixing proteins, muscles and red blood cells in the body.

In addition, many other substances such as vitamins and medicines that we eat are excreted from the body through urine.

There are some elements which should not be present in urine. So, when you have a health problem, the question that the doctor often asks is, 'What is the color of your urine?'

From the answer to this question, what is the health condition of the doctor and what kind of treatment can be given? It is easy to guess roughly.

red color

If the color of the urine is red, it indicates that there is blood in it. It can cause problems in any part of the body related to the urinary system. If there is blood in the kidney, bladder, prostate or any tube connected to the ureter, the urine may be red.

Similarly, how blood is excreted through urine depends on many physical conditions. For example, what is the amount of blood in the urine? Looking at how fresh? And, are there other problems while urinating?

If there is a lot of bleeding, the color of the urine looks like 'red wine'.

Such bleeding can be due to many reasons. For example, kidney stones, cancer, trauma, any infection in the urinary tract. Even if you eat beetroot more than necessary, the color of urine can be red.

Under normal conditions, our urine looks like yellow color and orange color. It also depends on how much water we drink.

As water becomes less, the color of urine becomes dark yellow and sometimes orange in color.

If you drink enough fluids, the color of urine will be thin and pale yellow. The substance that makes urine yellow is called 'urobilin'.

Its production process begins with the breakdown of old red blood cells in the body. Those blood cells that are not in good shape need to be removed from the body system.

In this process, a compound called bilirubin is formed. It exits the body to some extent through the urinary tract and to some extent through the intestines. Bilirubin is used in our liver to produce bile that is released when we eat. This pitta is important for digestion and helps break down fat in the body.

Bile stays in the intestines and passes out through the stool. Due to this pitta, the stool looks brown in color. Bile can also be unable to reach the intestine, which indicates gallstones or cancer blocking the bile ducts. In this case, bilirubin returns to the bloodstream. And it comes out through urine.

Therefore, the color starts to darken, appearing orange or brown. If the amount of bilirubin increases, the color of the skin also starts to turn yellow. This condition of the body is called 'obstructive jaundice' i.e. a type of jaundice.

In this case, if the amount of bilirubin increases, the color of the face becomes yellow. Some medications, including the antibiotic rifampicin, can cause orange urine.

Green and blue

Green and blue colors are rarely seen. If the color of the urine is green or blue while urinating in the toilet, the person may be surprised.

If green or blue dyes are used to color any food, the color of urine may be green or blue. Eating such foods in excess can cause such urine.

Taking some medicines like anesthetics, vitamins, antihistamines can also cause the color of urine to be green or blue. Some bacteria also make compounds, which are green in color.

Pseudomonas aeruginosa bacteria produce blue and green colored pyocyanin.

Urinary tract infection can be seen in rare cases. In such a situation, urinating may cause burning and pain.

female stomachache because poisonous food

purple

This situation is also rare. One possible cause of this is porphyria. It is a genetic disease that affects the skin and nervous system.

The second reason for this is a rare disease called Purple Urine Bag Syndrome. Which is due to urinary tract infection.

In this case, using a catheter (a device used medically to remove urine from the body) also makes the urine purple.

pink

A small amount of beetroot can cause the color of urine to be pink instead of dark red. In such cases, urologists compare it to red wine.

There may be other colors of urine, which are not part of the rainbow. Some are dark in color. Usually brown or black. When this happens, doctors may compare it to Coca-Cola.

other diseases

The color of the urine can be brown or black, which the doctor can compare to Coca-Cola. Sometimes this color appears when muscles are broken down and converted into a compound called myoglobin. Which is a sign of a serious disease called rhabdomyolysis. Therefore, excessive exertion or the use of some medicines may be necessary.

Similarly, bilirubin can also cause black and gray color. Bilirubin makes the urine so dark that it appears both black and brown in color.

Kidney swelling

This color can also be seen in acne (glomerulonephritis). Due to this, when passing through the urinary tract, the urine changes from red to brown in color and sometimes the urine can be colorless.

Urine should not be dark yellow in color. Likewise, a large amount of thin urine can also indicate some diseases. Whether it is due to diabetes or excessive alcohol consumption.

It shows how many different colors our urine can be and how many different problems it can indicate. And, this is by no means a list of every problem.

But understanding the reason for the change in urine color will help you decide whether to drink water or see a doctor.

Is frequent urination at night a sign of diabetes?

A night's sleep acts as a medicine for the tiredness of the day. If something disturbs the sleep, there will be many problems. Frequent urination at night is one of the reasons that disrupts sleep.

If you have to go through this problem every day, it is not normal. This problem is related to diet and lifestyle, Dr. Veer Hospital's chief consultant Eurosurgeon. Ravin Bahadur Basnet says.

"Frequent urination at night can also indicate diabetes, urinary tract infection or prostate disease," he says.

Drinking a lot of water makes you urinate frequently?

Many people think that because they drink a lot of water before going to bed, it is normal to urinate a lot at night. But it doesn't always happen. This can be a symptom of diabetes and other serious problems. Vinay Bhattarai says.

If you drink a lot of water before going to bed, sometimes you may urinate frequently at night. But if there is a problem of frequent urination at night, drinking water before going to sleep or drinking too much water may not be the reason, he says.

Dr. Bhattarai continues, “Diabetes increases blood sugar levels, which puts a lot of pressure on the kidneys and they cannot absorb the extra sugar completely. As a result, excess sugar is excreted through urine, but at this time, a large amount of water is also absorbed from the body. As a result, more urine starts coming out. In such a situation, when you feel very thirsty, the amount of water increases and you urinate frequently.

In diabetes, there is frequent urination not only at night but also during the day. If there is a problem of dry mouth and frequent urination, Bhattarai suggests getting diabetes checked.

Other causes of frequent urination

Dr. If you do not urinate frequently during the day, but you have to urinate frequently at night, it may also be due to heart problems. Basnet says. "If the heart is not working properly during the day, water accumulates in the lower part of the leg while standing and sitting," he says. Makes and may urinate frequently at night.'

Frequent urination in men can be a symptom of prostate problems. As the age increases, the prostate gland increases and frequent urination occurs not only at night but also during the day.

"Urinary tract infection (UTI) due to the infection of the urinary tract, the problem of frequent urination at night also appears," said Dr. Bhattarai says, "Even if there is an infection in the kidneys, urine can come many times during the night."

He says that a woman's frequent urination at night is also a common early sign of pregnancy. He says that this problem appears when the growing fetus puts pressure on the bladder.

If you urinate frequently at night, you should first have a urine test to identify whether there is any health problem. If there is no identification from that, other tests such as ultrasound should be done," said Dr. Bhattarai says, "We find out whether there is any problem in the test. If a problem appears, it should be treated on the advice of a doctor.

If a child has a brain tumor, what are the symptoms?

 If a child has a brain tumor, what are the symptoms?

I wish that children would not get 'brain tumor'. Because after having a brain tumor, the risk is very high for them. One is that the treatment is not easy, the other is less chance of recovery.

I have a complaint to God, why send a child with such a tumor at birth?

However, contrary to our wishes, there are many cases of tumor in children. Especially this problem has come from birth. Why is this happening? It cannot be answered exactly. Because there have been countless researches on cancer so far. However, such a great achievement has not been achieved.

Usually, the most common cause of tumor is a malfunction of Jin. Why is gin bad? The exact reason for this has not been discovered. However, there is a problem when Jin does not develop as it should in general. Gin also has its own 'coding'. Sometimes abnormal cells develop due to mismatched coding. The same cell can grow and become a tumor. And, it can take the form of cancer.

Another thing is that it is said that such a disease is passed on to one's generation by inheritance. But, if that is the case, one person has four children. Only four people do not have tumors. Maybe in one person. Why not the other three?

There is no single concrete reason or answer for this tumor to develop and become cancer. Various things may have influenced it. First a tumor was visible. Now different sub-types (sub-types) of the same started appearing. Some are cured by the same treatment, some are not.

Increased risk of tumors in children

A child's brain tumor is more risky than an adult's. There are many reasons for this. On the one hand, the child cannot express what is happening to him. The child does not say that the head is aching, the eyes are getting weak, and the hearing ability is decreasing.

If there is a child under the age of one year, the speech will not come at all. Other children also do not get the melomeso to express the bad changes that are happening in their body. That is why when they are brought to the hospital, the problem becomes complicated. The tumor has grown.

Small head, big tumor. Complex treatment, weak body. It is difficult for the child's body to tolerate tumor surgery. Again, what has been seen so far is that the tumor on the child's head is in a very awkward place. Basically three types of tumors are seen in them, which are very bad tumors.

Now the tumor is surgically removed. However, if cancer has already occurred, further treatment is uncomfortable. It is difficult to give them chemotherapy, even radiotherapy.

Are there any symptoms of brain tumor in children?

All diseases have symptoms, but how many are known, and how many are not known. Similarly, some symptoms are compatible with other diseases. So the symptoms can sometimes be confusing.

If there is any problem in the brain or the brain, the child cannot hold its head up. We keep the head upright on the strength of the neck and turn it around. However, if there is a problem in the brain, the head can be tilted. Slowly the throat can't take it. Children become weak and small.

Likewise, the child's head may grow. We don't pay much attention to how a small child's head is growing. If it is growing unnaturally, there may be a problem.

Similarly, another clear symptom is that the baby's palate is open when it is small. It is sticky or flexible. It should be covered later. Generally, the palate should start covering when the baby is three months old, and the rostrum should be completely covered by one-and-a-half years. If an infant's palate does not cover or remains open, it should be suspected that they have a head problem. Initiatives should be taken for testing and treatment.

It is important for parents to be aware of whether their child is normal or not. Why are they crying? Why are they not accepting to eat milk? Why are they not seen as normal?

What is the treatment?

Abroad, especially in developed countries, the health of the baby is checked during pregnancy. It is also seen in the mother's womb whether there is a tumor or not. If there is a tumor, what kind is it? The first or second stage tumors can be treated with surgery. Therefore, the baby's tumor is surgically removed while remaining in the mother's womb. However, if it has reached the third and fourth stage, the doctor gives advice to the parents to avoid giving birth to the baby.

However, we do not have such technology or system. Therefore, some diseases are detected only after birth. That too only after the symptoms started to appear. By the time symptoms begin to appear, treatment may be too late.

Let's say we have a brain tumor in an infant or child, the treatment is very uncomfortable and risky. It cannot be said that good results will come even after treatment.

Then what to do to prevent such a problem in the child? There is no exact answer to this either. We have also mentioned above that, despite many research studies, the root cause of cancer has not been found. However, risk factors can be reduced.

For example, if the mother smokes cigarettes, drinks alcohol, or takes drugs during pregnancy, it seems that such problems are more common in their children. So you should stay away from these things as much as possible during pregnancy. Also, is the baby or child growing naturally, growing or not? Parents should take careful care of this. Any abnormal situation in the child should be immediately alerted.

What are the medicinal properties of garlic?

 What are the medicinal properties of garlic?

There is no need to say much about the taste of garlic. It tastes bitter when eaten raw. When it is mixed with pulses, vegetables, the taste changes.

Basically, garlic is used in Nepali cuisine for flavor. However, it is also considered full of medicinal properties. That is why garlic has been used as medicine since ancient times. Garlic is called 'Rason' in Sanskrit. Because out of the 6 juices on earth (bitter, bitter, salty, tart, sour, sweet), garlic has five juices. Garlic does not have only 'sour' juice.

It is called 'Rasone' because 'Ras Un' means one less juice. In Ayurveda, garlic is classified as a pain reliever.

History of Garlic

Garlic has been used for thousands of years in China and Egypt. In 1325 BC, garlic was placed in the tomb of the Egyptian emperor Tutankhamun to preserve the body. At that time, the inhabitants of Egypt used to put garlic in the grave after someone's death. It was believed that when a person reaches the next world after death, he should not be afflicted with diseases.

Similarly, the soldiers going on a long journey also used to carry garlic, so that if there was any problem, they could use it as a medicine.

With the migration of people, the use of garlic became widespread. It is mentioned in history that garlic has entered China and India in the sixth century BC. At that time it was used only for treatment. After that, garlic was gradually used not only in treatment but also in daily life.

The importance of garlic is also mentioned in mythology. According to the story, when Lord Indra took the nectar and brought it to the earth, garlic was born from the drops of nectar that fell.

What can be inferred from these stories is that garlic has been used as a medicinal plant for centuries.

What happens in garlic?

According to medical research, a compound called allicin is mainly found in raw garlic. This is the same element, which has antibacterial and antifungal properties. Also, garlic is rich in salts like phosphorus, zinc, potassium and magnesium. The smell of garlic is pungent because it contains sulphur.

What does garlic do?

Also, garlic is still being used in pulses and vegetables, which may have direct-indirect benefits. Apart from that, eating two to four cloves of garlic on an empty stomach in the morning is beneficial. The 'Allicin' element in garlic helps to protect against various types of infections. It does not allow typhoid, fever, allergy infection.

Garlic is also used to reduce pain in the body. Garlic can be placed on the swollen or painful area and massaged with heated oil. Raw garlic contains the antioxidant sulfhydryl substance, which helps in removing toxins from the body.

Regular use of garlic removes bad cholesterol accumulated in blood vessels. It reduces the risk of heart attack. Consuming garlic in proper amount reduces the pressure on the blood vessels. Garlic is also considered useful for regulating blood pressure. Garlic can be used for some skin problems.

Who should not eat?

Garlic allergy, blood deficiency and if the patient is taking blood thinners, it is advisable not to consume garlic. Because if you consume garlic in such a situation, other problems may increase. Even if you have an ulcer, its consumption is appropriate.

If you are taking any medication or undergoing treatment while using garlic as a medicine, you should consult a doctor.

Are you inactive? You may have such a serious illness

 Are you inactive? You may have such a serious illness

"There is a greater risk of cancer to those who smoke a single cigarette every day, than there is a greater risk to those who avoid work, exercise and hard work and lead an inactive life."

A lazy and inactive lifestyle along with the use of comforts and facilities is making our society sick. Go to everyone's house now, you will find someone suffering from diseases like diabetes, high blood pressure, uric acid, varicose veins, osteoporosis.

To get rid of such a problem, we must promote physical activity like labor, exercise, sports in our daily routine.

What can be done?

Going for a morning walk, jogging, skipping rope, playing the beat, running the treadmill, playing sports, swimming, hiking, dancing, yoga, aerobics, zumba, ballet, salsa, hiking, walking Riding a bicycle, riding a static bicycle, going to the gym, climbing stairs, jogging, playing wushu, sailing a boat, doing water exercises, gardening or gardening.

What should be the exercise?

The World Health Organization has considered the following features as indispensable in scientific exercise for health protection:

1. Intensity – Exercise should be intense enough to increase the heart and breathing rate and break a sweat once.

2. Duration (prolonged) – Exercise should be done continuously for at least 15 to 30 minutes without stopping.

3. Regular: Exercise should be repeated at least 3 times a week.

As indicated by Eastern health science, the inclusion of the following dimensions in scientific exercise is considered indispensable –

1. During exercise, the heart rate and breathing rate should increase as well as sweating profusely.

2. All the joints of the body should be moved once.

3. Exercise should not only affect the muscles and bones, but also affect the soft organs in the body, such as the intestines, kidneys, liver, liver, lungs, heart and brain.

How to exercise

1. Exercise should not be started randomly. It should also be prepared beforehand. A place full of natural beauty, pollution-free, with sufficient air play and light should be selected.

2. Half an hour before the start, you should drink two glasses of water enough and right before the start, but you should not drink water immediately after the exercise.

3. Patients with special diseases and conditions such as heart disease, diabetes, high blood pressure should not exercise randomly and only exercise as prescribed by the doctor.

4. Exercise should only be done to the best of one's ability, one should not come to the competition and try to do it haphazardly. Before starting, warm-up (up and relaxation-loosening) exercises should be done.

5. Exercise-specific clothes, such as shoes, belts, t-shirts, if any, should be worn only. Also, it is very important that these materials are comfortable.

6. You should not be nervous or stressed while exercising. Be sure to set a certain time regularly and relax for a while after exercising.

Benefits –

1. Exercise helps to maintain a balanced body weight. By exercising regularly, fat people lose weight and thin people gain weight.

2. Exercise helps keep the heart, blood vessels and respiratory organs healthy. Regular exercise has been found to reduce bad cholesterol and increase good cholesterol in the blood, thus reducing the risk of heart and blood vessel diseases. Exercise helps to reduce high blood pressure and increase low blood pressure, while exercise also plays an important role in controlling diabetes.

3. Exercise plays a big role in stress management. Mental problems like anxiety, depression, fear and depression can be curbed by exercising. After exercising, the mood is refreshed, confidence and creativity increase, mental processes such as memory, rhythm, attention and concentration are strengthened. Exercising for a long time does not reduce the cognitive ability of the brain.

4. Strengthens muscles, skeleton and nervous system. Purifies the blood. Increases digestive capacity. It helps to solve problems like indigestion, indigestion, gastric acidity, constipation.

5. Exercise also helps to get rid of the kulat.

6. Exercising habit increases physical, mental and sexual ability.

7. Exercise also helps to increase resistance to cancer.

8. It helps a lot in the prevention of non-communicable diseases.

9. It is especially beneficial for those with insomnia.

10. Does not allow you to grow old quickly.

The author Yogi Narharinath is the Medical Director of Yoga and Naturopathy Hospital Bharatpur-1, Wageshwari, Devghatdham, Chitwan.

What are the benefits of consuming Chyawanprash in winter?

 What are the benefits of consuming Chyawanprash in winter?

Chyawanprash is considered nutritious for people of all age groups. Ayurveda says that Chyawanprash helps to increase the resistance to disease in the human body.

Currently, the multinational companies Dabur, Patanjali, Multani, Java and other companies are producing and selling Chyawanprash in the market. Among those companies, Dabur Chyawanprash, which is made by mixing various herbs, ghee, sesame oil and honey, is considered to be the leader.

The word Chyavanaprash from Sanskrit is a formula created with the ancient Indian knowledge of Ayurveda and modern science. Chyawanprash is a nutritious jam, which plays a role in making our health healthy and fit.

Ghee, sesame oil and honey act as stimulating agents to take the herbs deep into the cells. While honey helps to neutralize and protect the effects of other major elements. Chyawanprash helps to make muscles strong, supple and strong.

If you consume Chyawanprash, the skin becomes soft and shiny. Consuming Chyawanprash is also beneficial in reducing the signs of aging with increasing age. Similarly, Chyawanprash is considered beneficial for increasing memory and digestive system.

The company claims that Dabur Chyawanprash contains a mixture of various herbs, amla, ghee, sesame oil and honey.

How to use Chyawanprash?

Chyawanprash can be consumed at any time rather than at a specific time. Even in the winter season, consuming it is more beneficial to the body. Chyawanprash can also be consumed directly, but it is more useful if consumed with warm milk or warm water.

For adults, use one spoon twice a day, one spoon in the morning on an empty stomach, one spoon before breakfast and 30 minutes before dinner. For children between 3 and 12 years of age, half a teaspoon should be given twice a day.

Benefits of Chyawanprash

Chyawanprash helps to increase immunity. It is beneficial in cough and cold caused by dust and change of weather. It also helps to increase vigor and vigor in the body.

Consuming Chyawanprash is also said to help fight against malnutrition caused by lack of nutrients and wrong digestive system. Companies claim that Chyawanprash also works against various types of infections as it contains various chemical herbicides.