Food with ‘trans fat’ in abundance in the market, heart and brain are paying the penalty

 Food with ‘trans fat’ in abundance in the market, heart and brain are paying the penalty

Doctors say that the trans fat (very bad fat) hidden in bakery products, noodles, puffs and French fries, which are abundant in the market, is causing serious damage to the heart and nervous system at a young age.

Food with ‘trans fat’ in abundance in the market, heart and brain are paying the penalty

February 15, Kathmandu. ‘What is the worst fat found in?’ This is a question that senior cardiologist Dr. Ommurthy Anil often asks his patients who come to him for check-ups.

Most of those who come to check answer, ‘Red meat, ghee, milk, butter.’

Some add, ‘The fat in oil can be bad.’

He explains, ‘The worst fat in the world is found in foods containing trans fats.’

According to Dr. Anil, eating foods containing trans fats for a long time is fatal to the heart, blood vessels, kidneys, and brain. But we do not find it unusual to eat biscuits with tea in the morning, puffed noodles in the afternoon, and french fries with friends in the evening.

But hidden within this easy and tasty option is ‘trans fat’, i.e. very bad fat (unhealthy fat).

According to the doctor, foods containing trans fats are causing chronic diseases in the body. This is not a ‘normal fat’, but a silent poison that opens the door to chronic diseases.

A monitoring conducted by the Department of Food Technology and Quality Control last November showed this alarming situation. During the monitoring, the ‘croissant’ of Nanglo Bakery and the puff produced by Khajuri Nepal Pvt. Ltd. were found to be harmful to health. After ‘trans fat’ was found to be more than the limit set by the government, the Food Department completely banned the sale and distribution and destroyed them.

Trans fat is considered one of the most harmful fats from a health perspective. According to experts, the reason for the increase in trans fat is unhealthy diet and urban lifestyle. Due to trans fat, heart attacks are increasing at a young age.

‘The trend of heart attacks that we are seeing in patients is directly related to diet,’ says senior cardiologist Dr. Prakash Raj Regmi, ‘Trans fat is an important reason for that.’

What is trans fat?

Trans fat is found from two sources, natural and artificial. It is found in the fat in red meat of animals such as cows, buffaloes, goats, and in dishes made from milk and yogurt. According to doctors, trans fats obtained from natural sources when consumed in small amounts do not have much negative impact on health. However, consuming excessive amounts can have negative impacts.

Industrial trans fats produced in the food industry are extremely harmful to health. They are obtained from artificial sources.

Industrial trans fats are mainly produced by converting vegetable oils into ghee through hydrogenation. In this process, it is produced by heating vegetable oils at high temperatures and adding hydrogen molecules. In this process, the liquid oil is converted into a solid state, i.e. vegetable ghee.

The vegetable ghee produced from this process is used to make various processed foods including bakery products, biscuits, cookies, ready-made noodles, bhujiya, dal moth, potato chips, etc.

Trans fats, which are produced by heating cheap oils in the industry and adding hydrogen, increase the amount of fat. In addition, foods cooked in such very bad fats become tasty and can be stored for many days.

Foods cooked in such oil are mostly used for packaged foods. Foods that look attractive from the outside are very harmful to health. Even if vegetable oil is heated many times, the amount of trans fat increases. Pakodas, samosas, potatoes, and chicken cooked in such oil are delicious to eat.

Another senior cardiologist, Dr. Premraj Vaidya, says, “It is considered good to eat one teaspoon of ghee a day. However, trans fat-rich foods are very dangerous.”

Senior cardiologist, Dr. Ommurthy Anil, says that heart attacks are increasing in people in their 30s and 40s. The main reason for this is a bad lifestyle and eating trans fat-rich foods. He says, “Trans fat-rich foods cause blockage in the blood vessels of a healthy person and lead to heart attacks. It affects everyone from children to senior citizens, pregnant women.

Transfats that poison the blood vessels

Ultra-bad fats (transfats) increase the amount of bad cholesterol in the blood and reduce the amount of good cholesterol. Similarly, they negatively affect the inner part of the arteries and increase the narrowing of the arteries.

'Not only does it narrow the blood vessels, it also causes inflammation (a condition like a swollen wound) in the inner part,' says Dr. Regmi, 'When cholesterol accumulates, blood blockage occurs. Which can lead to a heart attack or stroke.' Not only this, transfats increase the risk of type-2 diabetes.

Due to processed foods prepared for commercial purposes, fat accumulation around the stomach, weight gain and metabolic syndrome are increasing. There is an increasing addiction to junk food among children these days. Obesity, high blood pressure and pre-diabetes are starting to appear at school age, says Dr. Vaidya.

Experts say that excessive trans fat intake by pregnant women can affect fetal development. “There is a possibility that the effects of trans fat can reach the newborn through breastfeeding,” says Dr. Vaidya, “and the risk can last for a generation.” It is not limited. It has a bad effect on the health of the unborn child.

The fried and packaged foods in the market are rich in trans fats. Doctors say that excessive consumption of which leads to fatal diseases at an early age and many people die.

Dr. Regmi claimed that a young woman died after eating Bhujia after watching an advertisement. Recalling an incident a few years ago, he said, "Amitabh Bachchan had promoted Bikaji Bhujia in a very attractive way on Sony TV. A young woman is an Amitabh fan. After consuming Bhujia for a long time, she had reached a state of heart failure."

According to Dr. Regmi, continuous consumption of Bhujia weakened the heart muscle, increased blood pressure and cholesterol. Due to which the heart could not pump properly.

Heart disease is becoming the leading cause of death in the world. The main risk factors are unhealthy diet, physical inactivity, tobacco and alcohol consumption. A study by the World Health Organization has shown that high intake of trans fats increases the risk of death by 34 percent.

Effects of diet on the brain

Experts say that brain diseases have started increasing among Nepali youth due to changing diets along with modern lifestyle. According to neurologist Dr. Sushil Mohan Bhattarai, serious neurological diseases including stroke, Alzheimer's, Parkinson's and other diseases have started appearing even in young people in their 30s due to trans fat-rich foods and unhealthy lifestyle.

Dr. Bhattarai, who works at a civil hospital, says, 'Earlier, paralysis and brain stroke were considered diseases that occurred after reaching the age of 70. But now it is seen in young people in their 30s.'

According to Dr. Bhattarai, after trans fats enter the body, they go directly to the cell membrane. Cell membranes are very important for maintaining the structure of the body and for communicating from one cell to another.

In order for the brain to implement what the hand thinks, there must be continuous communication between the nerves. But when trans fats start to mix with cell membranes, communication is disrupted and brain functions gradually deteriorate.

According to Dr. Bhattarai, trans fats reduce the amount of serotonin, the ‘happy chemical’ produced in the brain. Due to this, people in the modern era have started to tend to be more sad, negative and depressed. Not only that, but the ability to learn new things and memory decline.

‘Many college-going students come to the clinic with problems with concentration,’ says Dr. Bhattarai.

Similarly, according to Dr. Rajiv Jha, senior neurosurgeon at Bir Hospital, when the amount of fat in the body increases, the blood vessels that carry blood begin to clot. When fat accumulates in the veins, the blood flow is blocked, due to which the amount of oxygen that should reach the brain decreases.

According to Dr. Jha, if blood circulation is blocked in any part of the brain, the risk of stroke is high. ‘When too much fat accumulates, the vessels become narrow or stiff. That leads to brain hemorrhage or stroke,’ says Dr. Jha says.

According to Dr. Bhattarai, smoking is the number one risk factor for stroke in young people. In second place is unhealthy diet and foods high in trans fats.

‘Brain-related diseases are more common in urban youth and they smoke and eat foods high in trans fats from a young age,’ said Dr. Bhattarai.

Regarding the direct link between trans fat intake and stroke, Dr. Jha says, ‘Obesity and high blood pressure are the main problems in many patients who come to the hospital. Patients who have strokes at a young age often have an unhealthy lifestyle, excessive consumption of junk food, and lack of physical activity.’

Trans fat-rich foods in abundance in the market

Data from the Food Department shows that some of the foods produced in the market are very harmful to health. The department had monitored 67 prepared food items and the raw materials used in them in the last one year.

Of these, 16 percent, or 11, were found to contain trans fats exceeding the standard. In which the total fat content of the food item was more than two percent.

Manita Vaidya, Director General of the department, says, ‘During the monitoring, up to 15.5 percent trans fat was found. Which is very harmful to health.’

Eight puffs were tested during the monitoring. Four puffs had trans fat levels exceeding the standard. Four of the six vegetable ghees tested had high trans fat levels. Vaidya claimed that the products found to have trans fat levels exceeding the standard were returned to the market.

Dr. Anil says, ‘Finding 15.5 percent trans fat in food in the market is a poison for health. Eating such foods directly blocks the blood vessels of the heart and causes heart attacks.’

In the race to increase profits, hotels, restaurants and roadside shops are repeatedly using oil to make fast food such as pakodas, samosas, puris, chicken fries, sausages, etc., which produces trans fat. Deep frying destroys all the nutrients in the food and adds harmful fats to it.

“Most of the sweet shops in the market are using vegetable ghee and oil containing trans fats to make sweets. These dishes, which look smooth, shiny and durable, are actually poisonous to the heart and blood vessels,” said Dr. Vaidya.

Dr. Regmi adds, “Repeatedly heating oil is harmful. It is used Not only is it linked to disease, but it is also linked to the risk of cancer. It is advisable to avoid using vegetable ghee as much as possible.

Main causes of death Heart and stroke

The mortality rate from non-communicable diseases is increasing in Nepal. According to statistics, a large part of the total deaths are due to respiratory diseases, heart diseases, and strokes.

According to experts, unhealthy diet and increased consumption of processed foods are one of the main reasons for this.

According to the 2023 data of 'Nepal Burden of Disease', respiratory diseases are the number one cause of death in Nepal, heart disease is the second, and stroke is the third.

Our diet, behavior, and lifestyle have emerged as the main root causes of the spread of non-communicable diseases. Experts say that non-communicable diseases are increasing as a 'dormant' epidemic in developing countries in recent times. The mortality rate is also increasing in proportion to that. According to the latest statistics, 71 percent of deaths in Nepal are due to non-communicable diseases.

Public health expert Dr. Rita Thapa says that the increase in the incidence of non-communicable diseases has become a matter of concern in recent years. According to Thapa, non-communicable diseases are increasing due to luxurious lifestyle and carelessness in eating, high blood pressure, and diabetes.

According to Dr. Thapa, the reasons are in our hands. There are things related to our lifestyle. Our behavior, junk food, lifestyle, use of tobacco products at a young age, and lack of exercise are the result.

‘Children at a young age consume tobacco products, junk food, and alcohol. Parents also give junk food to young children for lunch,’ Dr. Thapa clarified, saying, ‘The burden of non-communicable diseases is increasing due to lack of physical exertion and excessive stress.’

Is it right to call food ‘junk’? – Online Khabar

State silence, consumer health at risk

With the beginning of the 2000s, health agencies in various countries of the world began to implement regulations to control trans fats used in food. Denmark introduced stricter standards in 2003, while Switzerland banned trans fats in 2008.

Within the United States, New York banned trans fats in 2006 and California in 2008. Canada followed suit in 2008. These decisions led to very low trans fat levels in many foods and complete bans on many products.

Then, it was announced that heart attacks, high blood pressure, obesity, and diabetes in young people had decreased. Denmark announced that it had reduced the incidence of diseases in young people by 50 percent. But at the time, many countries found it difficult to believe what Denmark had announced.

The World Health Organization investigated the issue and declared Denmark a “trans fat-free” country.

In the United States and Canada, the amount of trans fat must be stated on the label of packaged foods sold.

The World Health Organization had launched a campaign with the goal of eliminating industrial trans fats from all countries of the world by 2023.

On 24 Magh 2078, the government passed the Multi-Sectoral Action Plan (2021-2025) for the Prevention and Control of Non-Communicable Diseases. Under this plan, there is a policy to keep trans fats below 2 percent of the total fat content of food.

The Department of Food Technology and Quality Control has implemented the standards since 25 Shrawan 2081 after the standards were approved by the Food Standards Committee. However, it has not been adequately monitored.

Consumer rights activists say that the state machinery is still not serious about trans fat-containing foods being sold openly in the market. Consumer rights activist Madhav Timalsina says that the problem will worsen unless the state comes up with a clear and strict policy. According to him, the problem extends from production to regulation.

‘First of all, there should be stricter restrictions on the import of raw materials. Trans fat testing should be made mandatory at customs and quarantine checkpoints. But it does not seem to be happening effectively,' said Timalsina.

Stating that merely setting standards is not enough, he says that strictness is needed in implementation.

'The policy is limited to paper. There is no will to implement it. The terror of trans fats in the market will not stop until a comprehensive awareness campaign is launched among the government, industrialists, importers and consumers,' said Timalsina.

Department spokesperson Bal Kumari Sharma claims that food products have been monitored regularly lately.

'Last November, we recalled the puff produced by Khajuri from the market after it was found to be substandard,' says Sharma. 'We found that it was safe to eat in subsequent monitoring.'

Lax regulation

The Food Hygiene and Quality Act, 2081, clearly provides for mandatory labeling of food and beverages. It is the responsibility of producers and sellers to provide consumers with accurate and clear information about the nature, quality, quantity, expiration date and potential risks of the product.

Similarly, the Consumer Protection Act, 2075 BS, has ensured the right of consumers to be informed about price, quality, results and purity, and has provided a legal basis to protect them from the sale and distribution of products that are harmful to human health.

But the law seems to be limited to paper. Unlabeled food products are found being sold openly in the market. Some products do not even mention the details of ingredients, production and expiry date. Due to this, consumers are directly at risk due to weak state monitoring.

The Advertisement (Regulation) Act, 2076 BS and the Consumer Protection Act, 2075 BS clearly prohibit misleading and false advertisements related to health and nutrition. Who is it? These legal provisions could have been enough to stop the aggressive marketing of unhealthy foods, sugary drinks, and industrial trans-fat products targeting children. But implementation is weak. The Food Technology and Quality Control Department and provincial-level laboratories have cited a lack of manpower as the reason for their inability to conduct effective monitoring.

The argument of limited technical capacity and weak laboratory infrastructure at the food department, provincial laboratories, and local levels has been repeated. The growing market for highly processed foods, the tendency to not follow labeling, and a weak monitoring system have made the situation more complicated. The regulatory mechanism is in disarray, increasing the health risks to consumers.

Health experts say that mandatory mention of trans-fat content on food labels, clear visual warnings, and targeted implementation strategies are necessary to control industrial trans-fat. They suggest that inspection and laboratory capacity should be strengthened by implementing tax policies and strict labeling at the provincial level.

Consumer rights activists in Timalsina say that there should be no delay in making market monitoring effective and banning the sale and promotion of high-trans-fat products in schools and communities.

Preparations to bring a multi-sectoral action plan

The government has said that preparations are underway to bring a new multi-sectoral action plan for the prevention and control of non-communicable diseases. According to Health Secretary at the Ministry of Health, Dr. Bikas Devkota, the action plan implemented from 2021 to 2025 has expired. Now, the process of formulating a new strategy for 2026 to 2030 has been initiated.

Stating that the main causes of non-communicable diseases lie outside the health sector, Dr. Devkota says that multi-sectoral cooperation is indispensable.

‘About 80 percent of the causes of non-communicable diseases are related to factors outside the health sector,’ says Dr. Devkota. ‘They are linked to other ministries and agencies on issues such as environmental pollution, chemical substances, waste management, and pesticides.’

According to him, although the previous action plan tried to include a multi-sectoral concept, sufficient success was not achieved in practical implementation.

‘The health sector alone cannot be held responsible; other sectors should also reduce the causes that negatively affect health through their policies, investments, and practices,’ he emphasized. He also said that a strategy will be prepared so that various ministries and stakeholders can clearly contribute through policies, resources and programs.

‘A plan is being prepared to incorporate the lessons learned from the previous period into a new strategy and address the weaknesses and challenges seen in implementation,’ says Dr. Devkota, adding, ‘A more effective and clear multi-sectoral approach is now needed to control non-communicable diseases.’

Lungs: What they are, how they work?

 Lungs: What they are, how they work?

Damage to the lungs from minor infections or injuries can heal on their own, but damage from smoking, pollution, or chronic diseases can be permanent.

The lungs are the main part of our respiratory system and work to deliver oxygen to the body and remove carbon dioxide.

How many times do you breathe in a minute? In seconds? Have you ever counted? How long can you live without taking a breath? Have you ever wondered about this?

Because breathing in and out is an automatic process, for which you do not have to make any extra effort. But, what happens if that breath suddenly stops? You certainly have the answer.

Not only is it essential for life, but the lungs play a major role in taking in and releasing oxygen, which is needed every moment.

The lungs, which are soft, sponge-like structures inside the chest, supply the body with oxygen and energy and remove toxic carbon dioxide.

What role do the lungs play in the continuous process from taking in oxygen to taking out carbon dioxide? Why are two lungs necessary? How much damage does smoking cause?

What is the function of the lungs and what is their structure?

The lungs are the main organs of our respiratory system. They are made of soft, flexible tissue like a sponge and are located inside the chest around the heart. The lungs have a thin membrane on the outside that protects them. They are divided into two parts: the right lung has three parts: ‘upper, middle and lower’. The left lung has two parts: ‘upper and lower’. The left lung is slightly smaller because the heart occupies more space on the left.

The respiratory system begins with the nose or mouth. Air enters the trachea through the throat. It is then divided into two parts. The air we inhale enters the right and left lungs separately. After reaching the lungs, the bronchi divide 23 times like the branches of a tree, reaching the smallest tubes and ending at the ‘alveoli’ (air sacs).

The alveoli are thin membranous tissues like grape clusters, around which the blood vessels coming from the heart are spread like a spider web. An adult has 300 million to 600 million alveoli.

If the lungs are fully expanded, their surface area is 70-100 square meters, the size of a tennis court. The lung weighs 1 to 1.2 kilograms. The right one is slightly larger and heavier. The lung is the only organ in the body that can float in water, because it is always full of air. Even after breathing out completely, about 1 liter of air remains in it.

What is its main function?

The main function of the lungs is to supply oxygen to the body and remove carbon dioxide, which is called gas exchange. This is possible due to the thin membrane between the alveoli and the blood vessels.

Oxygen is absorbed from the air coming from outside and enters the circulatory system and reaches various cells of the body to provide energy. Similarly, carbon dioxide, a toxic gas produced by the body's organs, enters the alveoli through the blood vessels and is released when we exhale. This process continues continuously. The lungs also filter the air, which protects the body from infection.

It produces phlegm, which traps dust, germs, and pollutants and expels them when we cough them up. We breathe 8,000 to 9,000 liters of air every day, but the body uses only 5 percent of the oxygen from this air. The lungs are closely connected to the heart, so heart problems can also affect the lungs.

Why do humans have two lungs? What happens if one lung fails?

The main reason for having two lungs is for the body’s balance and safety. Both lungs work separately but support each other. If one lung develops a problem, such as cancer or infection, the other one takes over, which can help save lives. This makes it easier for the heart and other organs to function together.

Even if one lung is completely removed, a person can still survive, but not at full capacity. The failed lung can cause problems such as infection, blistering, or bleeding, and the infection can spread to the other lung because there is no barrier between the two.

Pollution or other external factors affect both equally, but some diseases can affect only one side. If a failed lung causes a lot of problems, it may need to be surgically removed.

How do the lungs take in and expel air?

The process of taking in air is called respiration, which consists of two stages – ‘inhalation’, which is the process of drawing air in, and ‘exhalation’, which is the process of expelling air out. This process is controlled by the brain and occurs 12-20 times per minute.

During inhalation, air from the nose or mouth passes through the throat, trachea, bronchi, and small tubes in the lungs, and then reaches the alveoli. The diaphragm muscle moves down, increasing the space in the chest, which draws air in. About half a liter of air is taken in with each breath.

During exhalation, the diaphragm moves up, the chest narrows, and air is expelled from the lungs. This process is also called ventilation. It is affected in chronic lung diseases, which are called respiratory failure. Sudden problems such as food getting stuck in the airway or tumors can also affect it.

Is there a chance of recovery if the lungs are damaged? How does smoking affect this?

The likelihood of lung damage depends on the type and extent of damage. The lungs have some ability to regenerate. They can heal themselves from minor infections or injuries, such as damage from the flu or pneumonia, which can be treated and cured with time and rest. However, serious damage caused by smoking, pollution, or chronic diseases such as COPD, fibrosis, or cancer can be permanent and may not fully recover. In such cases, medical treatment, medication, or surgery may be necessary.

Smoking is harmful to the lungs. It damages the fine hairs and membranes of the airways, which makes it easier for dust, smoke, or viruses to enter the lungs. This increases the risk of pneumonia or other infections. Smokers' lungs become black/brown, inflamed, and damaged. However, quitting smoking has a positive effect on the lungs. The lungs have various defense mechanisms, such as nasal hairs, which are damaged by smoking but largely repaired after quitting.

Although not completely restored, the risk of infection is reduced and health improves. Quitting smoking is beneficial at any age, even up to 90 years. A healthy lifestyle, exercise, and avoiding pollution increase the chances of recovery, but this depends on individual health. If there is a problem, it is best to consult a doctor.

What are the main problems that occur in the lungs? And how to maintain lung health?

Immediate problems in the lungs such as colds, coughs, nasal congestion, sore throat, fever, chest pain, and problems with the airways that cause coughing or wheezing. In the long term, pneumonia, lung infections, asthma, pulmonary fibrosis, and lung cancer are the main ones. Lung infections, asthma, and cancer are more common in Nepal. As diseases like asthma increase, lung capacity decreases, which affects daily life.

Lung health depends on daily air quality, diet and lifestyle. Healthy lungs are pink in color. To keep them healthy, you should quit smoking completely, exercise regularly, which increases lung capacity.

Wear a mask to avoid pollution, breathe clean air, eat a balanced diet and drink enough water. If you have difficulty breathing, cough or chest pain, you should immediately get checked by a doctor. Since the lungs are connected to the heart and other organs, it is necessary to pay attention to overall health.

What is sodium? Both too little and too much are harmful

 What is sodium? Both too little and too much are harmful

To control sodium, try to consume less than 2 grams of salt per day, which is about a teaspoon.

What is sodium? Both too little and too much are harmful

Sodium is a part of salt and is necessary for the normal functioning of the body's cells, nerves, muscles, and heart.

Consuming more than 2 grams of sodium per day can cause high blood pressure and long-term heart problems.

The salt we eat daily is not only related to the taste of our food, but also to the balance of the body, heart health, and quality of life. Both conditions of sodium deficiency and excess can cause serious health problems.

A conversation with cardiologist Dr. Rajendra Koju on what sodium is, why the body needs it, how much is safe, and what risks arise when it is too much:

What is sodium and why is it needed by the body?

Sodium is the scientific name. In simple terms, it is a part of salt. It is a mineral element. We eat it every day and it is one of the most important minerals for our body.

Without sodium, the body's cells, nerves, muscles and heart cannot function normally. It is essential for water balance, blood pressure, signal transmission and muscle function. But too much sodium can cause high blood pressure and heart problems, so it is important to keep it in the right amount.

What happens in the body when there is a lack of sodium?

Sodium keeps our body in good balance. It is found in the blood, muscles, cells and other parts of the body. Most of it is in the blood. Without this mineral, cells cannot function. Muscles, the heart and the brain all need it. If it is less than the required amount, it has a negative effect on the body.

Due to its deficiency, muscles cannot function, the nervous system is affected, and problems occur in the heart and other organs. This is called hyponatremia. It must be kept in the required amount. About 500 milligrams of sodium is needed every day, but it is recommended that the amount of salt should not exceed 2.3 grams. This 2.3 grams is not even equal to a teaspoon.

Is sodium only in salt or is it also found in other foods?

Foods like green vegetables, fruits, milk, yogurt, cheese, fish, meat, and eggs contain sodium even if they are not salted, but the amount is less.

It is difficult to say exactly how much salt to eat daily, but it can be estimated in these ways. The World Health Organization recommends less than 2 grams of sodium per day for adults. This is approximately the same as a teaspoon of salt.

Sodium is found not only in salt, but also in foods added to food and vegetables. The added sodium should not exceed 2.3 grams. A teaspoon can be used when measuring. For example, a teaspoon of salt is enough to cook vegetables for four people. Generally, it is okay to eat only one teaspoon of salt per day.

What happens when you have too much sodium?

Too much sodium has various negative effects on the body. Because sodium attracts water. When there is too much sodium, the body retains water, blood volume increases, and pressure in the blood vessels increases. The biggest problem caused by this is high blood pressure, which causes long-term damage to the heart, brain, kidneys, etc.

What are the symptoms of sodium deficiency or excess?

When there is a deficiency (hyponatremia) or excess (hypernatremia) of sodium, various symptoms appear in the body, which are mainly due to the effects on the brain and nervous system.

Sodium deficiency occurs when the blood sodium level is 135 milliequivalents per liter.

The main symptoms are headache, nausea or vomiting, fatigue or weakness, muscle weakness, cramps, confusion or dizziness, irritability or low blood pressure, dizziness, fainting, or a person may go into a coma.

When sodium is high, ‘sodium 145 milliequivalents per liter in the blood’

When sodium is high, problems such as excessive thirst, feeling tired or lethargic, dizziness or confusion, irritability, muscle twitching or cramps, dry mouth and skin, and rapid heartbeat may occur.

You can predict these symptoms at home. If you experience problems such as headache, fatigue, confusion, cramps, or fainting, you should go to the doctor immediately. These symptoms can also be associated with other diseases. But the most accurate and reliable way is to check the amount of sodium in the blood by doing a blood test.

How does sodium affect heart health?

Excess sodium affects the heart in two main ways. First, it causes high blood pressure and puts extra pressure on the heart and blood vessels. Second, as blood volume increases, the heart has to pump more blood, which can cause the muscle in the left lower chamber of the heart (ventricle) to thicken or enlarge, a condition called ‘left ventricular hypertrophy’, or increase the risk of heart failure.

In addition, excess sodium activates the sympathetic nervous system, weakens the inner lining of blood vessels, and increases inflammation, which further damages the heart and blood vessels. The effects are more severe in people with high blood pressure or heart disease, as it increases the accumulation of excess fluid in the body, putting an additional burden on the heart.

How to control sodium?

-To control sodium, try to keep your daily intake below 2 grams, which is about 5 grams of salt per day.

-You should cook more fresh food at home. Processed/packaged foods such as chips, noodles, sausages, bread, soy sauce, etc. should be reduced as much as possible. Salt should be kept to a minimum while cooking and eating.

-You should check the sodium content of packaged foods by looking at the label and choose low-sodium options.

-You should eat more potassium-rich foods such as fruits, vegetables, and yogurt. This reduces the negative effects of sodium.

What are the procedures for postmortems and identification of those who died in the protests?

 What are the procedures for postmortems and identification of those who died in the protests?

Coordination between forensic science, police, and hospitals is necessary to identify and determine the cause of death of those who died during the protests.

An official letter of medico-legal examination from the police is required before the postmortem is conducted, which confirms the cause of death.

DNA analysis and other scientific methods are used to identify bodies that have been burned, but identifying completely burned bodies is challenging.

Violent incidents during protests cause great human loss. In such incidents, a complex and sensitive procedure is adopted to identify and determine the cause of death of those who die due to gunshots, fire, or other injuries.

Coordination between forensic science, as well as the police, and hospitals is very important to identify and determine the cause of death of the deceased. This process is sensitive from both a scientific and legal perspective.

Incident and initial procedures

People who die during the protests are often taken to the hospital immediately by eyewitnesses or friends. The name of the deceased is registered in the hospital and treatment is attempted. If the person is confirmed not to be alive, the body is sent for postmortem. Tribhuvan University Teaching Hospital, Kathmandu is a well-equipped centre for mortuary storage and postmortem. The body is preserved in a freezer facility. The teaching hospital has the necessary equipment for proper management of the body and postmortem, which makes the process systematic.

Identification process of the deceased

Initial identification

The identity cards, jewellery or other personal belongings of the deceased form the initial basis for identification. The name and address of the deceased can be ascertained from such items. If such items are not available, the relatives come to the hospital and identify the body.

Personal belongings are of great help in the identification process, but sometimes other scientific methods have to be used in cases where these items are destroyed.

Notification to relatives

Once the details of the deceased are registered in the hospital, the relatives are informed. The hospital maintains a list of the names of the deceased, which the relatives look at to identify the body. Once the identity is confirmed, the postmortem process proceeds.

Postmortem and medico-legal process

A medical-legal examination is required from the police before a postmortem can be conducted. In cases where police stations are affected, such a letter is issued by the Kathmandu Police Complex. A postmortem determines the cause of death, such as gunshot wounds, injuries or fire. This process is important for the relatives of the deceased and the community to uncover the truth.

The main causes of death during the protests currently include gunshot wounds, internal injuries, head injuries or fire. In cases of gunshot deaths, doctors analyze the nature of the bullet and the damage to the body.

Identification of people who died in a fire

The identification of bodies that died in a fire is complicated. For example, in the case of seven people who died in a fire in Bhatbhateni, identification is challenging. Methods such as presumptive identification and DNA analysis are used to identify burned bodies. If jewelry, clothes or other personal belongings are left, they can be used to identify them.

DNA Analysis

When a body is not completely burned and some tissue remains, DNA is extracted and analyzed. This process is carried out at the Central Forensic Science Laboratory of the Nepal Police. DNA analysis can confirm the identity of the deceased, but this process is time-consuming and resource-intensive.

DNA Analysis Process

DNA Extraction

DNA is extracted from white blood cells, because red blood cells do not have a nucleus. DNA can be extracted from bones or teeth in burned bodies, if they are not destroyed.

Polymerase Chain Reaction (PCR-M)

If the amount of DNA is low, the amount of DNA is increased by the PCR-M process. This makes it easier to analyze the DNA sequence adenine, guanine, thymine, cytosine.

Profile Matching

The DNA profile of the deceased is compared with the DNA of his father or mother. A 50 percent match between the father or mother's DNA confirms the identity.

Challenges in completely burnt bodies

If the body is completely burnt and the tissues are destroyed, DNA analysis is not possible. In such a case, identification becomes impossible. Also, if the relatives of the deceased do not contact them in time, the process becomes more complicated. The possibility of identifying completely burnt bodies is limited, but we must make the most of the resources and technology available.

This process is not only to identify the deceased and determine the cause of death, but it is also a means of ensuring truth and justice in society. Such sensitive processes provide comfort to the victim’s family and provide truthful information to society.

Are there elderly people who take regular medicines at home? 5 things to pay attention to

 Are there elderly people who take regular medicines at home? 5 things to pay attention to

Diabetes, cataracts, high blood pressure, arthritis and mental problems can appear in old age and advice from a psychiatrist should be sought.

Keep medicines in a safe place, make a list of medicines, double check to avoid taking the wrong medicines and follow the doctor's instructions.

With increasing age, various diseases take hold in the body. The body becomes weak. Problems such as diabetes, cataracts, high blood pressure, hearing loss, heart disease, joint pain and arthritis can appear. Similarly, mental problems such as depression, dementia, sleep problems, etc. can appear.

Old age is a stage of life. There is a possibility of getting diseases in this state. Many things have been neglected due to urbanization. In such a situation, people do not respond properly to the elderly and try to stay away from them.

Due to this, the elderly also fall into depression. In old age, advice from a psychiatrist should be sought so that these diseases do not harm the body. Then the long list of medications begins. Sometimes some medications have to be taken for life. However, with advancing age, caution should be exercised when taking medications, otherwise they may cause harm instead of benefit. According to many studies, many people over the age of 65 are dependent on medications. Therefore, medication management is very important.

How to pay attention to the elderly's medications?

1. Keep all medications and vitamins in one place

If the medications are kept in different places, it is much easier for the elderly in the house to keep them in one place. Sometimes there may be no other members in the house, in which case the elderly can take the medication themselves. However, if the medications are kept in different places, the elderly may forget to take some medications.

For example, some people keep some pills in the kitchen, while others keep them by the bed or in other places. But many medications have to be taken at the same time. In such a situation, they may be missed due to the medications being kept in different places. Which may reduce the effectiveness of the medication. Therefore, it is important to understand well with the doctor which medicine to take and when. Negligence in time or dosage can put you at greater risk. If the elderly take their own medication, set a reminder on their mobile phone.

2. Keep the medication in a safe place

In general, medications should be stored in a cool and dry place. This means that they should be stored carefully. Otherwise, cold and sunlight can reduce the effectiveness of the medication. Medications should be stored out of reach of children or pets. Follow the doctor's or pharmacist's instructions for medications that need to be stored in a special place.

3. Create and maintain a medication list

To avoid negative drug interactions, it is important for the elderly to know what regular medications they are taking. Therefore, an up-to-date list of their medications, vitamins, and supplements should be kept.

The name of the medication should be kept, and the condition it is used for. It is helpful to note how many times a day they take the medication or use it. It is important to keep track of whether the elderly are taking each medication prescribed by the doctor correctly.

It is important to know whether the medication is for short-term or long-term use. You should also pay attention to the expiration date of the medication and to ensure that the elderly do not take any medication repeatedly.

4. Double-check to avoid taking the wrong medication

Some elderly people are taking multiple medications, vitamins, or supplements. In such cases, you should be careful not to take any other wrong medication. Use an online drug interaction checker to avoid any interactions with your doctor or pharmacist.

5. Make sure the medication instructions are clear

It is important to follow the doctor's instructions with the medication. If this is not followed, the medication may not work properly. Therefore, it is important to follow what the doctor says. This reduces the risk of negative drug interactions and side effects.

Elderly people should understand which medications are safe to take at the same time. Some medications need to be taken with food before taking them, while others need to be taken on an empty stomach. If there is any uncertainty, you should seek clarification and detailed instructions from your doctor.

What are the health risks of repeatedly frying samosas and jerry in oil?

 What are the health risks of repeatedly frying samosas and jerry in oil?

Experts say, ‘Reusing oil increases the risk of heart attack, cancer and other diseases.’

Repeated heating of oil has a negative impact on health as it causes chemical changes and increases the amount of trans-fat.

It is recommended to store oil properly and use new oil.

Often, samosas, pakodas, jerry, etc. are cooked in the same oil repeatedly in chowks and markets. Some people even use the remaining oil after cooking food once in their own homes and kitchens. What happens when oil is used repeatedly in this way?

Experts say, ‘Reusing oil increases the risk of heart attack, cancer and other diseases.’

Not only at home but also in restaurants and roadside stalls, food is prepared by reheating oil. This has a negative impact on health. This can be responsible for many diseases, says senior nutritionist Bhupal Baniya.

Health effects of reusing oil

1. Chemical changes and increase in trans-fat

Repeated heating of cooking oil changes its chemical and nutritional properties. According to a study published in the Journal of Food Science and Technology (2021), repeated heating of oil increases the amount of ‘total polar compounds’, which is harmful to health.

These compounds damage the structure of the oil and increase the level of trans-fat. Bania says that trans-fat increases the risk of heart disease by increasing the amount of bad cholesterol.

According to a study published in the Journal of Nutrition 2020, reheated oil produces free radicals, which damage cells. Free radicals cause oxidative stress, which increases the risk of chronic diseases such as cancer and diabetes.

2. Cancer risk

Harvard T.H. A study by the Chan School of Public Health (2022) noted that reheated oil produces toxic substances such as aldehydes.

These substances can damage DNA, which encourages the growth of cancer cells. In particular, the oil used in fried foods is repeatedly heated, which increases the amount of these toxins, Bania said.

According to a study published in the International Journal of Cancer (2019), polycyclic aromatic hydrocarbons found in reheated oil increase the risk of cancer in the lungs, skin and other organs. This risk is especially high in fried foods in hotels and restaurants, where the oil is heated for a long time.

3. Inflammation

Reheated oil promotes inflammation. According to a study published in the American Journal of Clinical Nutrition (2021), the production of free radicals and other harmful compounds in reheated oil damages blood cells. Chronic inflammation can lead to diseases like heart disease, joint pain, atherosclerosis, and periodontitis.

4. Bacterial infections

When food particles remain in the oil, they encourage the growth of bacteria, says nutritionist Ayush Adhikari. He says, “If used oil is not stored properly, it can lead to the growth of bacteria like Clostridium botulinum, which causes botulism. This is a serious food poisoning that can cause muscle weakness, difficulty breathing, and other complications.”

5. Increase in cholesterol and acidity

According to a study published in the European Journal of Lipid Science and Technology (2023), the amount of saturated fat and oxidized lipids in repeatedly heated oil increases.

These compounds increase cholesterol levels, which harm the heart and blood vessels. In addition, the use of such oil can cause acidity, gas and digestive problems in the stomach, said Adhikari.

Ways to avoid reusing oil

Adhikari says that reusing oil can be avoided by cooking less. He says, "Do not use more oil than necessary and cook in small quantities. This reduces the chances of oil remaining."

You should try to use fresh oil every time you cook. If oil remains, he suggests storing it properly. After the used oil cools down, it should be carefully filtered to remove food particles. This prevents the growth of bacteria, said Adhikari.

"If oil is left over while cooking, it should be stored properly," says Adhikari. "The oil should be stored in a cool and dry place, away from sunlight and heat. Keeping it in the refrigerator reduces the growth of bacteria."

To avoid health problems caused by reusing oil, nutritionist Baniya suggests staying away from fast food and packet food. “These foods should be consumed less frequently as heated oil is frequently used in roadside stalls and restaurants,” says Bania.

He also says that it is important to avoid heating oil for a long time while cooking.

“When cooking, use mustard oil, olive oil or other oils with low saturated fat,” suggests Bania. “These oils are less harmful to heart health.”

Different oils have different smoke points. For example, olive oil is suitable for use at low heat, while sunflower or canola oil can be used at high heat. He also suggests paying attention to these things.

According to Bania, if there is a change in the color, smell or texture of the oil, it should be discarded. No. Such oil may contain high levels of harmful compounds, so the quality of the oil should be checked before use.

Signs that show you are not a mature parent

 Signs that show you are not a mature parent

It is said, ‘Children are raw clay, they can be molded into whatever shape you want.’ The community and school environment also play a role in shaping the nature of children. However, the main contribution in this is made by the parents.

Growing up with emotionally immature parents has a profound impact on the development of a child. Because, how parents express their feelings has an impact on the emotional health and quality of the child.

Even if emotionally immature parents do not intentionally harm the child, their behavior can cause confusion, insecurity, and a lack of emotional support in the child.

Understanding the signs of emotional immaturity in parents is the first step to identifying and improving weaknesses in parenting.

1. Difficulty expressing and managing emotions

The biggest sign is that parents do not know how to express their emotions. Even when small things come up, instead of finding solutions, they get involved in arguments. Instead of dealing with the problem calmly, anger and impulses are a sign of immaturity. Such behavior brings disharmony in the child. Who wants to be like their parents.

Children raised in such an environment may not know how to express their emotions properly and may not be able to cope with them. Indirectly, they may also have the same qualities as their parents. Which can later cause anxiety and an experience that makes it difficult to sustain relationships.

Those who are themselves involved in emotional matters. How can they teach their children the right way to deal with emotions emotionally? This can later become a challenge for the child in the future.

2. Self-centered behavior

Emotionally immature parents often show self-centered behavior, giving priority to their own needs and desires over those of their children.

Such parents are more concerned with their own happiness, success or social life, and pay less attention to the child's emotional well-being.

For example, they interrupt, interrupt, or ignore the child's feelings while focusing on their own problems. This self-centered behavior leaves little room for the child’s needs, which makes the child feel less valuable or invisible.

As a result, children of such parents grow up believing that their feelings and experiences are not as important as those of others, which can lead to low self-esteem.

In addition, self-centered parents may expect their children to meet their emotional needs, which disrupts the normal parent-child relationship. This adds an unhealthy emotional burden to the child. Not only that, such behavior forces them to take on more responsibility than their age.

3. Lack of empathy

Another sign is the parent’s inability to show empathy or feel empathy for the child. Such parents find it difficult to put themselves in the child’s shoes. And, they ignore or underestimate the child’s feelings and wishes.

For example, if the child is hurt or sad and is expressing a problem, the parent may say things like, “It will get better gradually” or “We will be there.” If you don’t listen, say more negative things, and show no empathy, children will stop expressing their feelings.

Empathy is an important part of a healthy emotional relationship. And, when it is lacking, an emotional gap is created between parent and child. Over time, children learn to suppress or hide their feelings in order to avoid criticism or rejection.

Children need to feel accepted and understood for their feelings, but emotionally immature parents are unable to provide this. Without empathy, such parents fail to understand the child’s emotional needs. This leads to emotional neglect, where the child’s feelings are repeatedly ignored.

The long-term effects of this neglect can lead to difficulty forming deep relationships and difficulty opening up emotionally.

4. Unstable Parenting

Another characteristic of emotionally immature parents is unstable parenting. Their moods and emotional states determine their responses, which creates an uncertain environment for children. Sometimes they are loving and supportive, but other times they are distant or overly critical. This instability makes children uncertain about how their parents will react in any given situation.

This lack of stability makes it difficult for children to feel secure. When they don’t know what to expect from their parents, they may become anxious or overly cautious, always trying to guess their parents’ moods.

This uncertainty also makes it difficult for children to set boundaries, because they don’t know when their parents will be available or emotionally stable. This type of parenting also interferes with discipline. Such parents may be too strict at times and too lenient at times, which can leave the child confused about what behavior is expected of them.

This instability makes it difficult for children to develop a clear sense of right and wrong.

5. Blaming others for their problems

Emotionally immature parents find it difficult to take responsibility for their mistakes. Instead of accepting their own mistakes, they blame others or sometimes even the child.

For example, they may say, “If you hadn’t done that, I wouldn’t be so angry.” This makes the child responsible for the parent’s feelings. This blaming behavior creates an unhealthy environment, where the child feels responsible for the parent's emotional state.

Over time, the child internalizes this blame. They begin to feel guilty for the parent's pain or anger. It brings up feelings of guilt and shame when the child has done nothing wrong.

By blaming others for their problems, such parents fail to set an example of responsibility. Instead of teaching the child to accept their mistakes, they encourage the habit of running away and avoiding responsibility, which hinders the child's emotional development.

6. Weak boundaries between the child and the parent

Emotionally immature parents have a hard time maintaining healthy boundaries. They blur the lines between the parent and the child. They share too much personal information or expect emotional support from the child.

Sometimes they are too intrusive, not respecting the child's need for privacy and independence. On the other hand, they can also create emotional distance by imposing strict boundaries, which makes the child feel isolated.

Children of parents with weak boundaries are confused about their roles. They may be asked to take on responsibilities that are inappropriate for their age, such as being the parent’s confidant, or they may feel emotionally distant, unable to form close, trusting relationships with their parents.

Healthy boundaries are essential for emotional health, and children need to learn how to set and respect boundaries in relationships. When parents fail to set this example, children may have boundary issues in their future relationships, making it difficult for them to manage intimacy and trust.

7. Fear of Intimacy and Vulnerability

Emotionally immature parents have a deep fear of intimacy and vulnerability. They keep emotional conversations superficial, avoiding deep emotional discussions.

When faced with intense emotions, they withdraw or deflect, which makes the child feel emotionally distant and disconnected.

This fear of vulnerability creates an emotional barrier between parent and child. A child who grows up with an emotionally unavailable parent will have difficulty forming deep, trusting relationships as an adult.

These parents avoid discussing their feelings, which makes it difficult for children to learn to express vulnerability in a healthy way. Instead of setting an example of open communication, they hide their feelings, which reinforces the idea that feelings should be avoided rather than acknowledged.

What happens in the body when we are in deep sleep?

 What happens in the body when we are in deep sleep?

Sleep is as necessary as nutritious food and pure water. Why do people feel sleepy? Why is it necessary to sleep? To know these mysteries, another important question is necessary, ‘What happens in our body when we are in deep sleep?’

Why do we feel sleepy?

Sleep also has stages. It is mainly divided into two parts. The first is rapid eye movement. The second is non-rapid eye movement. Apart from this, there are three more stages, which are called N-1, N-2 and N-3.

Out of these, N-3 is the deep sleep stage. It is also called wave sleep. We usually enter this stage within the first two hours of sleep. That is, we reach deep sleep. This is repeated in short periods throughout the night.

During this stage, i.e. deep sleep, the brain produces delta waves. This wave slows down brain activity and puts the body into a deep state of rest. It is very difficult to wake people up in this state. Even if they wake up, they often feel confused or unfocused.

Processes that occur in the body during deep sleep

During deep sleep, the body carries out various physical processes that play an important role in maintaining health and functionality.

1. Cell repair and growth

During deep sleep, the body repairs and regenerates cells. During this period, the production of growth hormone is high. Especially in children and adolescents. This hormone helps in the growth and repair of muscles, bones and other cells. In adults, this hormone also plays an important role in healing injuries, strengthening muscles and repairing cells.

During this time, the body also accelerates protein synthesis, which helps in regenerating damaged cells and building new cells.

2. Increases immunity

During deep sleep, the immune system is strengthened. During this time, the body produces proteins like cytokines, which are necessary to fight infection. Lack of sleep weakens the immune system.

Sleep promotes the activity of T-cells and other immune cells. These cells destroy viruses and bacteria that enter the body. Vaccines are also more effective in people who get enough sleep.

3. Brain cleansing and memory

During deep sleep, the brain cleanses itself and strengthens memory. In this process, it removes toxins and waste from the brain. Deep sleep also helps in increasing memory. The things learned throughout the day are organized in the brain and converted into long-term memory. This process is driven by the interaction between the hippocampus and the neocortex.

4. Energy storage and digestion

During deep sleep, the body's digestive rate decreases, which conserves energy. Heart rate, breathing, and body temperature decrease, which allows the body to rest. During this period, the body controls glucose utilization and improves insulin sensitivity, which reduces the risk of diabetes.

Sleep also controls levels of stress hormones such as cortisol. If sleep is lacking, cortisol levels increase, which increases the risk of stress, anxiety, and obesity.

5. Heart Health

Sleep helps keep the heart and circulatory system healthy. Blood pressure and heart rate decrease during this time, which relaxes the heart. People who get regular sleep have a lower risk of high blood pressure, heart attack, and stroke. In addition, during this time, the body also focuses on repairing blood vessels and reducing inflammation.

Effects of sleep deprivation

If sleep deprivation occurs, various body systems are negatively affected. Sleep deprivation weakens memory, reduces immunity, increases stress, and imbalances in digestion. In the long term, sleep deprivation increases the risk of diseases such as diabetes, obesity, heart disease, depression, and Alzheimer's.

How to get a good night's sleep?

Regular sleep schedule: Go to bed and wake up at the same time every day.

Sleeping environment: A quiet, dark, and comfortable room.

Limit screen time: Reduce mobile and computer use before bed.

Healthy lifestyle: Regular exercise, a balanced diet, and stress management.

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.

---

### **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.