Showing posts with label the. Show all posts
Showing posts with label the. Show all posts

The wall didn't know, the mobile has ears!

 The wall didn't know, the mobile has ears!


We often listen, the wall also has ears. This saying is often used as a warning to be careful when having sensitive or confidential conversations. But in the current digital age, this has started to be experienced as a reality. It is not clear that the wall has ears, but many are now curious about whether the mobile is listening to us.


Many of us have experienced that after we talk to friends or family about a product or service, the related advertisement appears on the mobile. Therefore, many people now have the question, "Do our phones or apps really listen to our conversations?"



What is the fact that the mobile listens?


According to studies and experts, under normal circumstances, your phone does not listen to you constantly. However, some apps or voice assistants (such as Google Assistant, Siri) only activate and listen to audio after hearing a 'wake word' such as "Hey Siri" or "OK ​​Google".


Why do we see advertisements for the same product or service that we are talking about?


Rather than our phones constantly listening and showing us ads as we might expect, ads are targeted based on our internet usage, search history, location, and social media activity. That’s why sometimes ‘what we’re talking about’ and ‘ads in our feed’ coincidentally match.


How to check if your phone is listening to you


You can easily check if your phone is listening to you.


1. Think of a topic that you’re not normally interested in. No matter why you’re not interested, there’s no record of any previous searches, website visits, or conversations related to the topic.


2. After choosing a topic, sit close to your phone and talk about it. Use keywords related to the topic as much as possible. For example, if you think of the topic “boat engine,” say things like “where can I buy a boat engine?”, “which boat engine is reliable?”, “how much does a new boat engine cost?” Your words should clearly indicate a desire to buy an engine. Talk like this for a few days.


3. Then evaluate the ads that appear in your feed. This includes ads from platforms like YouTube videos, Google search, and social media feeds. If you start seeing ads related to boat engines or boats, your phone is listening to you.


What can we do?


Permission control: Go to your phone's settings and remove access from apps that don't require the microphone.

Turn off voice assistants: Disable services like Google Assistant or Siri when not in use.

Be aware: Don't install unnecessary apps, and read privacy policies when installing apps.

According to studies and experts, your phone or apps are not constantly listening to you. However, apps or voice assistants that have received microphone permission can listen to your commands. For this reason, we need to make it a habit to manage permissions consciously, turn off unnecessary services, and read privacy information.

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.

Back Pain: An Accounts Officer in the Circle of Wrong Treatment

 Back Pain: An Accounts Officer in the Circle of Wrong Treatment


Accounts Officer Tilak Shrestha started treatment for back pain at the Physiotherapy Unit of Bir Hospital in 2082 Jestha.

Tilak spent more than two hundred thousand rupees on various clinics and treatments for 6 months, but it did not get better.

Physiotherapy at Bir Hospital reduced Tilak's pain by teaching him evidence-based treatment and exercises, and he returned to work.

Tilak Shrestha (name changed) by profession, an accounts officer by profession, arrived at the Physiotherapy Unit of Bir Hospital in 2082 Jestha.



His problem was back pain.


He came here after wandering around many places for treatment but the problem was not resolved.


He recounted the list of frustrations he faced during treatment.


This experience is not unique to him, many people with back pain experience the same. Many people fall into the trap of wrong treatment by following unnecessary suggestions from various people.


Suffering from pain


Tilak had been suffering from back pain for 6 months. The pain was worse when he woke up in the morning. It was worse when he sat or stood for a long time. At first, he ignored it, considering it normal. The pain gradually spread to his legs and made it difficult to walk. He even changed his office chair twice, wondering if it was because he was uncomfortable sitting while working.


Unable to concentrate on work, unable to sit in the office for a long time, and daily life became difficult, he started looking for treatment.


Initial efforts


Initially, he went to an Ayurvedic treatment center in Basundhara as suggested by his uncle. There, he was told that his back hurt due to heavy lifting and sitting in the wrong posture. Tilak did not do heavy lifting. He concluded that his back hurt because he sat in the same position for a long time in the office.


He was given acupuncture services, hot water baths, and massage once a week. He was also told to take some medicines. Although these treatments reduced some of the pain, the problem did not completely resolve. He was charged Rs. 2200 each time for these treatments. The cost of the medicine was separate.


After the fourth massage during the treatment, he started having problems with tingling in his legs and increasing pain.


And at the clinic


When the problem did not work, he went to a clinic near his house to consult a doctor. On the doctor's advice, he got blood tests and X-rays done. These tests did not show any major problems. He was informed that there was a normal bone loss.


It was suggested that further tests be done for further investigation. Accordingly, tests were done for CBC, ESR, vitamin D, calcium, uric acid levels, etc. Additional blood tests were also done for other parameters.


After finding that all the parameters were normal, an MRI was asked to find out the cause of the back pain.


In the same clinic, ‘needle therapy’, ‘traction’, ‘tension’ were given as physiotherapy. However, Tilak did not feel any improvement. Instead, he felt more pain. He was advised to rest for some time and stay at home, not go to the office and not do daily household chores.


Second clinic and expensive expenses


Then he was advised to go to a clinic in Tripureshwor. After examining his problem, it was suggested that he should burst the lump in the back. For this, methods such as ‘needling’, ‘manual’, ‘chiropractic’ massage gun were used.


He underwent the treatment as prescribed there for 15 days at a rate of 1000 per day. But the pain did not reduce much.


More expenses at the third clinic


Then he went to another clinic near the Civil Hospital in Baneshwor. There he spent 500 per day and took hot steam for 9-10 days. He also took massage therapy for the same number of days. He spent 600 per day on that. Here, he spent about 10 thousand.


Although these simple massages and steam treatments provided immediate relief from the pain, they did not provide a long-term solution.


Towards natural treatment


Finally, Tilak went to a center in Baneshwor to seek natural treatment. Where he underwent treatment for 10 days continuously. There, treatments like ‘acupuncture’, ‘cupping’ were given. There, he was given 10 minutes of physiotherapy daily. In which the therapist would stretch his hands and teach him some exercises to do on his own.


These treatments also could not completely cure Tilak’s back pain.


Consultation with a doctor at the National Trauma Center


After many types of treatment did not help, he went to the National Trauma Center to consult an orthopedic doctor. There, the doctor said that the condition was very complicated and that an MRI should be done.


The doctor suggested taking medicine and doing physiotherapy for some time. If that did not help, he was told to get injections.


Tilak informed the doctor that he had not gotten better despite undergoing physiotherapy at various places. After hearing all that, the doctor suggested injections and surgery if necessary, and ordered an MRI.


At the Pain Care Center


Tilak was scared when they said injections and surgery would be necessary. When he consulted his friends and relatives, some gave examples of people who had undergone surgery and recovered, while others advised against surgery. This confusion left him in a dilemma.


After being diagnosed, he again started looking for non-surgical treatment. In the same vein, he reached the Pain Care Center. There, he was prescribed medicine for 20 days. After undergoing various therapies and treatments, he took the service for a few days at the rate of 700 rupees per day.


6 months of suffering and unnecessary expenses


Tilak went to various places for about 6 months for treatment of his back pain. During this, he had to endure physical pain, mental stress, work interruptions, and expenses of more than two hundred thousand rupees. He could not give time to his family. And his lifestyle was greatly affected.


He took 18 days off from work repeatedly during this time. Even after all this treatment, problems such as difficulty doing household chores, sitting in the office for long periods of time, and pain increasing when riding a scooter in potholes persisted.


What is his real problem?


The problem of back pain and the experience of suffering for treatment are common problems for many back pain patients in Nepal. In most cases, back pain is common and complications are rare. But if there is a health problem, it seems that the problem becomes more complicated when various people give various suggestions and the patient follows them.


The use of non-physiotherapy in the name of physiotherapy or the failure to use evidence-based physiotherapy treatment methods are also causing unnecessary suffering to the patient.


Time and money are being spent for free on treatments that do not yield results. There is a tendency to confuse patients by promoting new and unproven methods.


A misconception and practice that when there is a pain problem, an ‘MRI should be done’ at the first appointment has increased in Nepal. On the one hand, there is the problem of healthcare workers who insist on getting an MRI, and in some cases, patients themselves are dissatisfied with the healthcare workers not suggesting an MRI. There are also patients who think that the doctor did not ask for an MRI, perhaps ignoring my problem.


In fact, most back pain is not unnecessary to get an MRI. When an MRI is performed for normal pain, it may show normal ‘disk bulging’ or ‘degenerative changes’, which are also seen in many healthy people with age. When patients are told about these things seen on an MRI, patients are unnecessarily scared. They consider it a big problem and worry.


Similarly, the practice of injecting ‘steroids’ to relieve pain is also increasing in Nepal. Although steroids relieve pain immediately, their long-term effects and repeated use can have negative effects on the body.


What is even more worrying is the increasing trend of recommending surgery for simple back pain. While only 1-2 percent of back pain sufferers have a complex problem that requires surgery.


This is why patients are going through unnecessary suffering, expense, and mental stress. We need to understand that back pain is not a serious illness, it is a normal reaction of the body and can be managed with proper understanding.


The most important thing for back pain is reassurance, patience, and accurate information. About 95 percent of back pain is of a normal nature. It resolves on its own within 6 weeks to 3 months or is completely cured with good self-management.


Evidence-based ‘conservative’ treatment should be the first priority for the first 3 to 6 months. It is necessary to receive individualized physiotherapy services from a certified physiotherapist.


Exercises and hands-on therapies such as mobilization, manipulation, and stretching are provided according to the person’s condition, pain level, and functional capacity. The main goal of physiotherapy is to prepare the patient for self-management by teaching them about their body and pain. The physiotherapist assesses the patient’s functional capacity and suggests ways to increase their functional capacity.


This includes the following:


1. Self-management and patient education


The patient should be explained why back pain occurs, what its normal course is, and that in most cases it can resolve on its own. It is important to develop the idea that ‘back pain is not always serious’. Giving the patient accurate information about their pain reduces unnecessary fear and anxiety.


Fear and anxiety can cause and worsen pain. The patient should be reassured that back pain is normal and is not a long-term problem. Instead of bed rest, they should be encouraged to be active in their usual activities.


2. Pain management and exercise


Exercises that strengthen the back and abdominal muscles, increase flexibility, and improve posture (such as cobra pose, cat-camel stretch, pull exercises) should be taught according to the patient's condition.


Activities such as walking, cycling, and swimming increase blood circulation and help reduce pain. Hot or cold packs can be used to relieve short-term pain.


If the pain is unbearable, painkillers or muscle relaxants can be used on the advice of a doctor. However, relying on such medications for long-term pain relief can have negative effects.


3. Physical exertion and continuation of daily activities


You should be encouraged to continue your normal daily activities despite the pain. Prolonged inactivity can worsen the pain. Teach the correct way to sit, stand, and walk. Correct technique should be adopted when working on a computer or lifting heavy objects. Do not stay in any one posture or position for more than 30 minutes. Take ‘microbreaks’ every 20-30 minutes, such as getting up, walking, or stretching.


4. Psychological support


This is a treatment method provided by a physiotherapist in general and a clinical psychologist in complex cases when the patient shows yellow signs. For example: The role of mental health is important in chronic pain. It helps to change negative thoughts and behaviors towards pain. Meditation and mindfulness practices teach you to reduce the feeling of pain and accept it.


In what cases is complex treatment necessary?


If back pain lasts for 6 months If the pain persists for more than a month, does not improve with treatment, or if other serious symptoms occur along with the pain, other types of treatment are necessary.


For example, if there are problems such as weakness in the legs, problems with urine or stool control, persistent fever, or pain at night, additional tests such as MRI are necessary.


In this case, steroid injections or surgery should be considered. These treatment methods should be recommended only after a thorough evaluation by a specialist doctor.


The change in Tilak


What Tilak suffered in the name of treatment, he became a victim of malpractice. Which tortures the patient financially, physically, and mentally and reduces the importance of physiotherapy.


As advised by the physiotherapy unit of Bir Hospital, Tilak started taking regular physiotherapy sessions. He was given correct information about back pain. He was taught exercises to do daily. He improved his sitting style. He started walking regularly.


He realized that back pain is not always serious and staying active is the best treatment for it. Within a few weeks, his pain significantly decreased and he was able to return to his work fully. He was spared unnecessary expense and suffering.

What to do to keep yourself and your family healthy during the current crisis? 8 ways

 What to do to keep yourself and your family healthy during the current crisis? 8 ways


In Nepal, the Gen-Z movement has burned down government structures and prisoners have escaped from prison.

Due to the shortage of medicine and limited hospital services, it has been suggested to treat common illnesses at home.

Contaminated water, pollution, and mental stress have increased health challenges due to the movement.

Nepal is currently at a very sensitive time. The Gen-Z movement has brought turmoil across the country. Government structures have been burned down, people's homes have been set on fire. Hospitals have become overcrowded. Prisoners have escaped from prison. The market system has become unstable, and the risk of medicine shortages and black marketing has increased. At such times, it is very important for individuals to be aware of public health.



The first thing to pay attention to during a crisis is the health security of themselves and their families. Problems such as lack of medicine, limited hospital services, polluted environment, contaminated water, and mental stress are current health challenges.


Amidst the challenges, it is important for the general public to take some precautions to avoid health complications.


1. Let's try to treat common diseases at home


In such a situation, there may be a shortage of medicines in the market. There may be a long wait for treatment at the hospital. In such a situation, if you experience symptoms such as a common cold, cough, or sore throat, do not go to the hospital unnecessarily. Let's adopt easy treatment measures at home.


- Gargling with salt water


- Drinking hot water, taking steam


- Resting, drinking plenty of water


- Home treatment using basil, ginger, and turmeric


Common fever and cough are self-healing in nature within two to three days, so let's be patient until it gets worse. However, if you experience severe symptoms, it is appropriate to seek advice from a health worker or go to a health facility.


2. Let's take special precautions to avoid contaminated water


Government structures, sewers, and water pipes have been damaged. These can lead to harmful chemicals, waste, or infectious elements mixing with water. There is a high possibility of diseases like cholera, typhoid, and diarrhea spreading, and chemical substances can cause many problems, so let's be careful.


– Drink only water that has been boiled for at least 10 minutes


– Use filtered or bottled water as much as possible.


– Pay special attention to the quality of water while cooking.


3. Take precautions to avoid fire and pollution


When houses burn, gas tanks explode, and structures are destroyed, toxic gases and dust are released into the environment, causing air pollution to reach high levels.


– Make it a point to wear a mask when going out.


– Avoid places with excessive dust and smoke as much as possible.


– People with asthma, allergies, or lung problems should be extra careful.


– Take special care of our young children.


4. Provide first aid for burns and wounds


Incidents of burns or injuries due to fires are increasing. Minor wounds can become serious if not treated immediately.


– Apply cold water to the burned skin (but do not use ice).


– Use a cream called ‘Silver Sulfadiazine’ available at the nearest drugstore.


– Keep the wound clean, do not use dirty bandages.


5. Management of physical fatigue of those involved in the movement


Many young people involved in the movement may be in pain. In such a situation, the indiscriminate use of antibiotics or painkillers can be harmful.


– Take a hot bath, immerse your hands and feet in cold water


– Apply salt water compresses


– Get plenty of rest


– Eat fruits, soft foods, and protein-rich foods


– Do light exercise


6. Be sensitive to mental health


During the peak of the movement, people make impulsive decisions due to the effects of adrenaline. In some cases, it leads to regret and deep mental stress. Losing a relative, getting injured, and the collapse of the country's infrastructure can all weaken morale.


– Reading an inspirational book. Accepting the current situation and trying to get used to it.


– Trying to reduce mental stress through yoga and meditation.


– Talking openly with relatives.


– Seeking entertainment (music, books, quiet movies) as much as possible.


7. Avoid misinformation and uncontrolled use of medicines


There are many cheap treatments or suggestions on the Internet. Not all of them are true and safe. If you need information about any medicine you use, you can call the Drug Information Center and get free advice.


Toll-free number: 1660-01-21500, Landline: 01-591311


Email: [email protected] WhatsApp/Viber: 9801236161


You can get information about the medicine you are using by contacting the above-mentioned means. To get basic information about medicines, you can read the contents of the book Medicine Knowledge Healthy Life here for free.


Therefore, do not search for medicines on Google or use AI. Consult an experienced person (pharmacist, health worker). Because taking medicines indiscriminately can cause more problems.


8. Stay in touch with family


Parents in the village may be very worried when they do not receive news of their children who have joined the movement. Rumors and fear may spread.


– Let us reassure our relatives by calling or sending messages from time to time.


– Let us also convey messages to worried families.


We must all move forward as citizens, consciously, with consensus, and with restraint. The crisis will pass, times will change, but in the meantime, every life we ​​save will be invaluable.

The government's policy and intention to close social media

 The government's policy and intention to close social media


Many of our ruling parties feel that they came to power forever


Why did the government initially consider the option of banning while regulating? This must be reviewed within the ruling coalition, the Congress-UML. Social media companies should also take the initiative to protect the personal rights of ordinary users while addressing the interests of Nepal.


The government's decision to register social media, or else regulate or close it, has basically taken two legal bases. One, the Directive 2080 on Regulating the Use of Social Media. Two, the latest order of the Supreme Court.



The Ministry of Communications and Information Technology has already directed the Telecommunication Authority to close 26 social media networks, including Facebook, X, and Instagram, based on these two legal bases.


Internet service providers will probably implement the authority's letter by tomorrow, Friday evening. After that, most of the social media networks that are running like parts of our own bodies will no longer be active. Only a few networks, including Viber and TikTok, will be options.


While Minister for Communications and Information Technology Prithvi Subba Gurung, who is also the Deputy General Secretary of UML, was giving the directive, his own party MP and former Minister for Communications Gokul Baskota was heard to sarcastically say, ‘The government has started preparing to make North Korea.’


Communists often like to exaggerate. We do not think that the country will become North Korea if the above-mentioned networks are shut down. This is the interesting and strange aspect of Nepal’s politics, that rivals form the government together. And then an opposition is born from within the party.


If we analyze former Minister Baskota’s comments outside the power struggle within UML, there is certainly a fear that civil liberties will be compromised under the pretext of binding networks within the legal system.


A common question that can be raised about network operators, including Facebook, is that they do not have to register and be regulated according to the laws prevailing there in various other countries, let alone register in Nepal, let alone even give a proper answer? Isn't it necessary for multinational companies that operate smoothly in Nepal to be registered in accordance with the rules? Or do these companies consider themselves above the country itself?


Many in power, including him, are not happy that social media users who once praised Prime Minister KP Sharma Oli day and night are now being criticized.


Companies such as Meta should enter into effective dialogue to be included in Nepal's legal system and registered. They should also take the initiative to protect the personal rights of ordinary users by addressing Nepal's concerns.


This is necessary because the style of network operators who deprive themselves of financial benefits by deriving income from the content of Nepali network users and even content creators is not logical. Since such social media platforms are not tied to the formal tax system, money is being smuggled through illegal channels. They should consider this aspect themselves.


But when considering these aspects, our question is not only aimed at network operators. The government of our country, which is faced with the responsibility of implementing the Directive 2080 on the systematic use of social media and the latest mandate of the Supreme Court, is not the only one. The more important responsibility is to protect and implement the nation's constitution, which must fully respect the freedom and privacy of citizens. And even the interpretations of the court cannot deviate from the original spirit of the constitution.


If we listen to the views of Communications Minister Prithvi Subba Gurung, he seems to be as tolerant of the different opinions of citizens as he seems to be towards Meta and other network operators. Otherwise, instead of repeatedly issuing information, he would have adopted digital diplomacy through another effective channel by now.


Let us remember that many in power, including him, do not like the fact that social media users who once praised Prime Minister KP Sharma Oli day and night are now criticizing him.


Many of our rulers feel that they have come to power forever. The momentary lust for power makes them addicted to the level of blindness. What needs to be kept in mind is that at the moment, the Maoist Center is in opposition and is opposing the government's move. Whereas earlier, when the government took a similar step to ban TikTok, Pushpa Kamal Dahal was the Prime Minister, and Rekha Sharma was the Minister of Communications.


Be it the press or social media - the voice of the citizen is dominant there. The mobile phones in the pockets are each person's mouthpiece. Not everyone's voice reaches the media. Some entrepreneurs here need Facebook, Twitter (X) not only to run the media, but also to promote the activities of the Prime Minister himself.


We press workers edit the content, and then publish it. On social media, sometimes it reaches a level of indiscriminateness. Some of the fake ID holders do not only express themselves freely, they also do character assassination. Even though organizations such as Meta have created community guidelines, it is not uncommon to worry about where the flood of unedited content will lead society. That concern is not only of the state, but also of the citizens.


But the content should be moderated within 24 hours of the letter being sent to the police showing this. Why promote the authoritarian trend of "take it or leave it"? Why make the government unnaturally stronger than the citizens by showing Meta or another company? What bravery is there in silencing the voices of the citizens who elect the government!


There is no reason for social media platforms to be forced to meet certain standards of the state. Their method of taking everything they can from the state and giving nothing to the state is not right.


Gurung's speech and behavior in the process of regulating social media, starting from the Media Council Bill, advocates for freedom of expression directed by the government. What Prime Minister Oli himself should consider is that the question here is not only about Meta and other big technology companies, but about those common people, some of whom cannot read or write.


They have not been able to connect with the government's goal of declaring a fully literate nation. They connect with their children and grandchildren abroad through video calls just by seeing pictures on Facebook or WhatsApp. They run small retail businesses.


We do not have our own social media. There are internationally established platforms, which are run by common people. Some of the government's mechanisms, their emails, etc. are connected. Why did the government initially consider the option of banning them while regulating? This must be reviewed within the ruling coalition, the Congress-UML.


There is no reason for social media platforms to be forced to meet certain standards set by the state. Their method of taking everything they can from the state and giving nothing to the state is not right. It is the government's responsibility to bring them into dialogue through technology diplomacy and regulate those who do not. This responsibility cannot be fulfilled by simply posting information on the wall. There are many technology enthusiasts in this country. It is better to ask elected representatives among them to communicate with the relevant companies!

Journey from the history of maternity hospitals to modern services

 Journey from the history of maternity hospitals to modern services

Paropakar Maternity and Gynecology Hospital BS. 2016 is the only gynecological hospital in Nepal.

The hospital delivers 22,000 to 24,000 women annually.

Paropakar Maternity and Gynecology Hospital is the only gynecological hospital in Nepal. This hospital is known as the maternity hospital. Established as an important institution in the health sector of Nepal, Paropakar Maternity and Gynecology Hospital is making an invaluable contribution to the health and safety of women and mothers.



This hospital has played a historic role in Nepal's health service, focusing especially on obstetrics, gynecology and newborn health.


Establishment and early history


Paropakar Maternity and Gynecology Hospital was established in BS. 2016. This hospital was established in the name of Indrarajya Lakshmi Devi Shah, the wife of the then King Mahendra Shah. At the time of its establishment, the hospital was provided with the help of Paropakar Sanstha by Singh Shamsher.


Indrarajya Lakshmi Devi Shah died due to infertility. This is why history mentions that a hospital was established in her name with the aim of preventing others from dying from such problems.


Paropakar Maternity and Gynecological Hospital is a proud health institution of Nepal, which has provided maternity and gynecological services to lakhs of women in a period of 66 years.


Expansion and Development


The hospital has made remarkable progress in a period of 66 years. Initially started with 40 beds, this hospital is currently operating with a capacity of 515 beds, and a proposal to expand to 700 beds has been submitted to the government. Every year, 22,000 to 24,000 women deliver here.


Along with maternity services, the hospital has been providing various gynecological services, which include treatment of uterine prolapse, uterine tumors, cancer, hemorrhage, ovarian tumors and fertility problems.


Specialized Services


The hospital has expanded specialized services over time. Paropakar Maternity Home is the first government hospital in Nepal to start IVF service for infertility treatment. This service is being systematically run at the IVF center in Kupandol.


There are plans to make this center a center of excellence, and so far, 5 provincial doctors and nurses have been trained.


This service has been started through a tripartite agreement with the Government of Nepal, the Department of Health Services, and UNFPA for the treatment of urinary incontinence. This service is provided free of charge, especially for women affected by complicated deliveries and surgeries. There are plans to send two doctors to Pakistan for training for this service.


The maternity home has also started newborn screening. The ‘New Born Screening’ service was started last year to identify hereditary disabilities. Seven hereditary diseases including thyroid, phenylketonuria, and thalassemia can be identified.


Out of 2000 newborns, 20 have been diagnosed and treated. Which will help reduce the mortality rate of newborns.


Fetal and maternal echocardiography facilities are also available. From which 6,100 patients are availing the service in a year. This service has been run in collaboration with experts from Gangalal Hospital and Bir Hospital for the heart examination of pregnant women and newborns. This service has eliminated the obligation of patients to pay expensive fees in private hospitals. It has helped in timely identification and treatment of heart-related problems, especially in complex pregnancies.


The hospital also has a mental health OPD facility, through which 1,800 patients have already benefited. The mental health OPD service has been started for the treatment of postpartum mental health problems.


What did Dr. Shree Prasad Adhikari do after becoming the director?


The current director, Dr. Shree Prasad Adhikari, has made significant improvements in the hospital in the last two years. Since he took over, four new counters have been added, two OPDs, one billing, and one pharmacy. The online ticketing system has been made systematic and advanced, which has eliminated the obligation of patients to stand in line. Services have been expanded in Kupandol since Asad 15, 2081. IVF services, infertility treatment, safe abortion and a nursing college have been brought into operation.


Since the infertility treatment service began, 9,100 people have come for infertility treatment. Out of these, 300 have already taken IUI and 43 have taken IVF services, says Dr. Adhikari.


The hospital has brought a simulation lab into operation. According to the hospital director, Dr. Adhikari, it was established with the aim of producing skilled manpower for the treatment and care of mothers and newborns. He said that treatment practices will be conducted without affecting any patient.


Fistula surgery has also been started. This service is being run for the first time in a government hospital, which provides free treatment to women affected by complicated childbirth.


Former director Dr. Sheela Verma's statement


Former director Dr. Sheela Verma says that the maternity hospital feels like a family home to her. “I have always been impressed by the dedication and support of the staff and employees here,” she says. “I am proud to work here.”


Dr. Barma says that during her tenure, she implemented the Mater Suraksha program, which spread throughout Nepal. The program served many women, but there were also challenges due to lack of resources. The dedication of the team here and the excellent service the hospital provides She says that the desire to dance has brought this organization to this point.


She said that the Maternal Safety Program has contributed significantly to reducing maternal mortality in rural areas of Nepal. This is mentioned in the report of the Ministry of Health.


Challenges of the hospital


Although the hospital has made a lot of progress over time, some challenges remain. The hospital buildings are old, and there is a problem of water leakage during the rainy season. Director Dr. Adhikari says that a new building and cabins are needed.


The hospital is currently run by the committee's staff and contract employees. If the proposal for 700 beds is approved, staff and services can be added. The budget is also decreasing every year, which she complains is hindering the expansion of services. Patients are inconvenienced by the lack of parking and space.


A symbol of service and dedication


The maternity hospital, born from the tragic incident of the royal family, has today become a trusted friend of service recipients from all levels of Nepal. This hospital has been providing special services not only to women from low and middle income groups, but also to the upper middle class. The hospital currently provides OPD services to over 100,000 patients annually, which is significant compared to other government hospitals in Nepal.

How does the nose purify the air?

 How does the nose purify the air?


The nose is a major organ of the body and plays a role in breathing, smell recognition.

It is necessary to understand the structure and function of the nose, and its cleanliness and care are important.

Ayurveda emphasizes the importance of the nose and hygiene measures, such as Jalneti and Nasya.

The nose is an important part of the human body, which plays an important role in breathing, smell recognition and facial beauty. The nose is an external organ of the body, which is directly related to the external environment. Dust particles in the environment, various viruses that cause infections enter the human body through the nose. Allergic 'protein' particles also reach the body through the nose.



Should the nose be cleaned? What should be done to keep the nose healthy? Not much attention is paid to this. Sometimes our attention goes to the nose only when the nose is blocked or when breathing is uncomfortable.


Structure of the Nose


According to Dr. Arun Adhikari, a nose, ear and throat specialist, the structure of the nose can be divided into two parts: external and internal. The outer part of the nose consists of the nasal bridge, the tip of the nose, and the nostrils.


“The upper part of the nose is made of bone, while the lower part is made of cartilage,” says Dr. Adhikari, “which gives shape to the nose. The skin of the nose is thin at the top and thick at the bottom.”


The internal structure of the nose includes the nasal passage, mucous membrane, sinuses, turbinates, and olfactory receptors. The nasal passage is the hollow part of the nose that starts at the two nostrils and ends at the throat. The inner part of the nose is lined with mucous membrane, which blocks dust, germs, and other particles.


There are four pairs of sinuses around the nose, which help in breathing, Adhikari said.


According to him, the turbinates are bony structures inside the nose that warm, moisten, and filter the air. The upper part of the nose contains odor-detecting receptors, which connect to the brain and provide information about odor.


Function of the nose


The nose mainly performs functions such as breathing, detecting odors, warming or cooling the air, protecting the lower respiratory tract, and changing the voice when the nose is blocked, says Dr. Adhikari.


The nose lets air enter the respiratory tract, says Dr. Adhikari, “It filters, warms, and moistens the air, which keeps the lungs healthy. The nose and sinuses also act as an environmentally friendly ‘air conditioner’.


The nose recognizes odors, which are transmitted through the nerves of the brain. He said that this is also helpful in recognizing the taste of food and obtaining information about the environment.


The hair and mucus of the nose block dust, germs, and other harmful particles. The nose helps to make the voice clear and quality. The sinuses make the facial bones lighter and help in breathing, says Adhikari.


“When any foreign object or particle enters through the nose, the nose reacts and sneezes, which prevents those foreign particles from reaching the lungs. In this way, the nose also helps protect our lower respiratory tract,’ says Dr. Adhikari.


This is how the nose purifies the air


The small hairs at the entrance to the nose prevent dust, dirt, and large particles from entering the respiratory tract, Dr. Adhikari said.


According to Adhikari, the layer of mucus on the inner surface of the nose traps small particles, bacteria, and viruses. This mucus traps pollutants in the air and only clean air reaches the lungs.


Small hair-like structures called cilia located inside the nose help to remove or send particles stuck in the mucus to the throat, so that those particles can be swallowed or coughed out, said Adhikari.


‘The nose warms and humidifies the outside air to body temperature, which provides the lungs with suitable air. It also reduces some pollutants in the air, says Adhikari, adding that the enzymes and antibodies in the nasal mucus help destroy bacteria and viruses.


Importance of the nose in Ayurveda


The nose has special importance in Ayurveda because it is the main route of breathing and is considered the gateway to life air. The nose plays an important role in physical, mental and spiritual health, explains Ayurvedic physician and psychologist Dr. Shanti Timalsina.


According to Timalsina, in Ayurveda, the nose is considered the foundation of physical and spiritual health. Regular care of it, practices like nasya karma and pranayama work to keep the body and mind healthy and balanced.


‘The life air that enters through the nose controls all the functions of the body. Breathing maintains the balance of dosha vata, pitta and kapha. Correct breathing through the nose calms the mind and energizes the body.


What to do to keep the nose healthy?


Impure air reaches the lungs through the nose. Therefore, it is necessary to take care of the nose. But to keep the nose clean and healthy, it should not be scratched carelessly. It should not be cleaned unnecessarily. Avoid dust and pollution, do not smoke, and use a mask if you have to go to polluted places, says Dr. Dhundiraj Poudel, a nose, ear, and throat specialist.


Drink plenty of water and eat foods rich in vitamin C. Dr. Poudel says that foods rich in vitamin C help increase the body's immunity. 'You should drink water and plenty of fluids to keep the nose, mouth, and throat cool,' says Dr. Poudel. 'This helps prevent the entry of bacteria or viruses. When the nose and throat are dry, viruses or bacteria can multiply. 



If any symptoms are gradually increasing, he suggests consulting a doctor immediately.


Nose-related problems


Viruses cause nasal congestion, runny nose, etc. When there is a sinus infection, symptoms such as headache, nasal congestion, fever, etc. occur. Dust, pollen or other allergies can cause nasal congestion, sneezing, etc., said Poudel.


The problem of flesh growing inside the nose, which hinders breathing. When the nasal bone is crooked, it becomes difficult to breathe. Dr. Poudel says that nosebleeds can also occur due to dry environment, injury or high blood pressure.


How to clean the nose?


Generally, it is not necessary to clean the nose. The structure of the nose is not such that it needs to be cleaned. The nose is cleaned as soon as the congestion appears. However, Ayurvedic doctor Timalsina says that Ayurveda mentions the method of cleaning the nose.


According to Timilsina, Ayurveda mentions the Jalaneti method for cleaning the nose. Jalaneti is an ancient and natural practice. In this process of cleaning the nose, the nose is washed with salt water to remove dirt from the nose. It also helps get rid of pimples, prevents dirt from accumulating in the nose and also removes accumulated germs. Jalaneti helps to make it easier to breathe properly while practicing any yoga.


She suggests that this practice should be done only under the supervision of a yoga instructor and Ayurvedic doctor for the first time. “Pranayam done through the nose such as Anulom-Vilom also cleanses the nose and balances the chakras,” says Timilsina.


‘Nasya’ is an important treatment in the Panchakarma of Ayurveda, in which medicinal oil, ghee or powder is used through the nose. Nasya cures head, nose, throat and brain-related diseases such as migraine, sinus, insomnia. The nose is considered the gateway to the brain, so she said that nasya increases mental clarity and memory.

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.

What should be the diet and lifestyle during the rainy season?

 What should be the diet and lifestyle during the rainy season?


The rainy season lasts from Asar to Bhadra. According to Ayurveda, various changes occur in the body during this time.

Light and digestible food and regular hygiene and exercise are necessary during this time.

Health and immunity can be increased during the rainy season by adopting home remedies and precautions.

The rainy season adorns Nepal, including the Indian subcontinent, from Asar to Bhadra. According to Ayurveda, the rainy season is associated with the elements of water and air. This time is a time of nourishment and transformation. It is believed that during this season, there are significant changes in the properties of the atmosphere and environment, which can affect our physical and mental health.



This season is considered a period of purification and removal of toxins because rain is seen as a natural cleanser, which washes away toxins and impurities from the atmosphere and the earth.


There are generally 6 seasons in Nepal. Ayurveda science has a special discussion on routine and seasonal habits. Each season has a separate description of diet, habits and lifestyle.


Dr. Dipen Devkota MD, Kayachitika

The rainy season, i.e. the rainy season, which usually falls from Asar to Bhadra, is considered a very sensitive time for our body. According to Ayurveda, the environment is cold and humid during this time, which can be a major cause of imbalance in the Vata dosha in the body.


In addition, when the summer heat ends and the cold begins, our digestive power also weakens, which is called ‘Mandagni’ in Ayurveda. Therefore, during the rainy season, food is not digested properly, gas, indigestion, joint pain, fatigue, laziness, skin diseases, colds and other problems may appear.


Therefore, Ayurveda emphasizes the need to take special care during the rainy season. To keep the body in balance during this time, special attention should be paid to diet, sleep, exercise and thinking. Keeping all these things in mind and following the seasons is called Ritucharya in Ayurveda.


What to eat during the rainy season?


During the rainy season, eating too much oily, spicy, sour or cold food is not good for our body. Therefore, we should eat light and digestible food during the rainy season. It is considered best to use a diet rich in sweet, sour, salty and fatty foods. It is good to eat foods made from old barley, wheat and sali rice dishes like anna. Similarly, foods such as meat of land animals and meat juice processed with spices, khichdi, hot dal rice, dal soup, wine made from grapes, corn bread, hot vegetable soup, and greens are suitable.


It is good to drink hot water. It is better to avoid eating raw milk, curd, chiura, ice cream, cold drinks during this time, because such foods increase the problems of gas, indigestion as well as vata and phlegm.


It is good to use sesame oil, ginger, cumin, asafoetida, turmeric, pepper, etc. in food, which strengthens the digestive power and balances vata and phlegm. It is best to eat hot food as much as possible, on time and in small quantities.


What to do from morning to night?


It is considered good to wake up early in the morning during the rainy season. Massaging the body with oil improves blood circulation and reduces joint pain. It is good to take a warm bath after massaging with sesame oil. Then you can do light exercises or yoga, such as Vajrasana, Trikonasana or Shavasana. Serious exercises, excessive intercourse or running too much should not be done, because the digestive power is weak.


Putting 2-2 drops of sesame oil or neem oil in the nose in the morning can prevent cold, headache or allergy. To avoid cold, it is necessary to wear warm, light clothes and keep the body dry. It is not good to sleep during the day during the rainy season, it weakens the digestive system even more. You should eat light food at night. Do not sleep immediately after eating, it is better to wait at least 2 hours. The bed should be clean and comfortable. You should sleep with your body covered to avoid back pain or cold.


Natural Treatments and Home Remedies


Since the immune system decreases during the rainy season, it is good to take some Ayurvedic medicines regularly. Triphala, Guduchi (Giloy), Haritaki, Dashamool, Hingwashtak powder, etc. are helpful in improving digestion and increasing the immune system. Ginger and honey, basil leaves, turmeric water, pepper, etc. can be used at home. Boiling basil, ginger and pepper in hot water once a day and drinking it can prevent colds, coughs and infections.


Water, environment and our behavior


Special precautions should be taken while drinking water in the rain. Drink lukewarm water that has been boiled and cooled as much as possible. Do not drink water from rivers, tanks or mud. Also, walking in water, getting wet or staying in very cold places can cause diseases in the body.


If your clothes get wet, dry them immediately. It is advisable to carry an umbrella or wear a raincoat when going out to protect yourself from rain or getting wet. It is very important to keep the area around the house clean, to prevent the accumulation of garbage, to prevent water from stagnating, and to prevent the spread of weeds.


Washing your hands regularly with soap and water, especially before eating, and keeping your surroundings clean can help prevent the spread of diseases. It is also important to avoid things like overexertion and prolonged exposure to the sun.


Mental and emotional health


Due to less sunlight and the outbreak of asthma during the rainy season, some people may feel mentally tired, irritable, or sad. Therefore, it may be a good idea to think positively, engage in laughter, meditate and yoga, listen to music, or read a favorite book.


Advice for children, the elderly and the sick


Children, the elderly and those who are already sick should take special care during the rainy season. Keeping them warm, feeding them hot food, protecting them from cold and giving them regular oil massages will increase their immunity. It is important to consult a doctor before using any medicine.


Although the rainy season is naturally a pleasant time, it is challenging for the body. If we adopt a seasonal lifestyle as prescribed by Ayurveda, we can live a healthy, energetic and disease-free life even during the rainy season. By following Ayurvedic Ritucharya by adopting cheap, easy and home remedies, the body gains the strength to fight diseases on its own.

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.


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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.  


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