Medical malpractice denotes a negligent act or incorrect medical practice or procedure resulting to damage, injury or death of a patient. A malpractice suit is filed by a person or his family with a cause of action and with the assistance of a medical malpractice lawyer. A medical malpractice attorney is very important in cases like this in order for the person who is a victim of a medical malpractice or his or her family to know what are the causes of action, what are the mistakes to allege, and what are his rights that were violated. Mistakes may include incorrect diagnosis and improper treatment. It is wise to get the assistance of a lawyer because not all mistakes are malpractices because the law gives allowance to errors that are inherent to medical care.

There are many causes for medical malpractice suits, but the typical causes are malpractice arising from medical care of diseases like breast cancer, colorectal cancer, lung cancer, cardiovascular problems and even appendicitis. Most of the time, the patient or the patient family’s allegation is incorrect diagnosis which resulted to critical complications or death. If malpractice is proven, the monetary compensation is usually huge.

Before you start finding the best anti spam solutions, there are some simple steps that you will have to take care in order to avoid spam. Make sure that you share your email ID with only those whom you know well. For other services, make use of email services that are web based. Beware of spam bots. They are programs that are made to accumulate the email IDs throughout the net for preparing a mailing list. This list is used to send all unsolicited mails to users. Try to use the form of email that do not does not display your address in the webpage code. Install various kinds of anti-virus and other anti-spyware programs. Keep updating the version frequently. Email configuration should be done to disable the features that identify an email while you are downloading some images.


Easy Anti Spam Solutions at your Service

Now that you have taken all the basic precautionary measures, it is time to look for the program oriented anti spam filters. You can use the SpamPal identifies the well known spammers with the help of spam blacklists. eXpurgate, requiring two different email IDs, works well in filtering spam. POPFile are very effective in categorizing and separating the unsolicited mails from the personal messages. For POP accounts, Death2Spam is extremely effective. MailWasher Pro is secure and a time-saving spam filter that also protect your computer from viruses. Some of the other effective spam filters include Spam Bully, Spam Inspector, and Zaep. Another effective spam filter is the Spamihilator that takes the help of Bayesian filters to protect the email accounts.

You can even block the spam with the help of spam blockers. Anti spam for outlook includes Spam Bully that keeps your inbox free of spam. They work with Bayesian Spam Filter that makes use of artificial intelligence along with server blacklists to filter in only the wanted mails. They often put forth a password to be typed in correctly by unfamiliar sender so as to allow that mail into your inbox. Some of them are pre programmed where the know spammers are inserted. They accordingly block them. Some of the programs filter the emails based on the keywords used in the mails. Some of the email spam filters are configured and can be easily customized. Thus, with some basic knowledge about spam and the anti spam software, you can easily find the best anti spam solutions.

Travel Tips

It's always important to take care of your health, whether you're at home or on the road, but there are some additional concerns that are important to keep in mind when you're traveling.

Whether you're taking a trip with your family or plan to live abroad for several months for a study program, it's easier to get sick when you're in a new place because your body hasn't had a chance to adjust to the food, water, and air in a new environment. Traveling can bring you in contact with things that your body isn't used to. Continue reading for tips on keeping your travel experience as healthy as possible.

Don't Take a Vacation From Health

The stress and excitement of travel can make you more likely to get sick, but if you follow a few simple tips, you're more likely to stay healthy throughout your trip - and your trip will definitely be more enjoyable. The good news is that as a teen, your immune system is as strong as an adult's, but lack of sleep and a poor diet can make it easier for you to become sick.

The first thing you should do if you're heading overseas is to find out what kinds of vaccinations you'll need in advance because different countries have different requirements. In the United States, contact your doctor or the Centers for Disease Control and Prevention for a list of necessary vaccinations. You'll want to allow plenty of time for this step in case you need to get vaccines that require more than one dose.

Common Travel Troubles

Three of the most common health problems that you may experience when traveling are jet lag, altitude sickness, and diarrhea. When you fly across time zones, the differing amounts of light can change your internal body clock, resulting in a condition known as jet lag. Jet lag may cause some symptoms that are bummers on a fun trip, including upset stomach, insomnia, and tiredness.

There are some things you can do to combat jet lag; for example, if you're traveling from west to east, you should stay out of the sun until the day after your arrival. If you're flying from east to west, go for a brisk walk as soon as possible after you arrive.

Altitude sickness is caused by dry air, a decrease in oxygen, and low barometric pressure when you travel to a higher altitude than you're used to. As a result, you may have problems, such as headaches, dehydration, and shortness of breath. Some people are affected at 5,000 feet (1,524 meters), but others aren't affected until they reach altitudes of 10,000 feet (3,048 meters) or more. Find out what altitude you're traveling to before you go to see if altitude sickness could be a problem.

The best prevention for altitude sickness is to gradually increase your altitude every day to get used to it. If that isn't possible, a drug known as acetazolamide can help relieve and even prevent symptoms of altitude sickness. If you think that you might get altitude sickness, talk with your doctor before you leave home.

The topic of diarrhea may seem gross, but it can be a serious problem. Traveler's diarrhea, known as turista, often occurs when a foreign type of bacteria enters your digestive tract, usually when you eat contaminated food or water. The best way to prevent turista is to be very careful of the food you eat and the water you drink on the road.

Safe Eats and Drinks

So what foods are safe to eat? Any foods that have been boiled are generally safe, as well as fruits and vegetables that have to be peeled before eating. Avoid eating uncooked or undercooked meat or meat that is not cooked just prior to serving.

Stay away from foods that require a lot of handling before serving. Here's an example: Nine friends ate at a restaurant when on a school trip overseas; eight had diarrhea the next day. The one who didn't get sick was the only one who had ordered a dish that didn't need to be touched by human hands right before serving.

One of your favorite foods at home is on the safe list on the road - pizza! Pizza dough, sauce, and cheese are foods that are less likely to spoil than others, and the high heat of a pizza oven tends to kill any harmful bacteria in the food.

You've probably heard that you shouldn't drink the water in some countries overseas, but did you know why? Water supplies in many developing countries are not treated in the same way as water supplies in developed countries; various bacteria, viruses, and parasites are commonly found in the water. Many experts suggest you drink only bottled water when traveling. If you need to use tap water, you should boil it first or purify it with an iodine tablet. Even if you're brushing your teeth, rinsing contact lenses, drinking a small glass of water to wash down pills, or adding ice to your drink, first take precautions to ensure the water is safe.

You Can Take It With You

When you're packing, you'll want to include any medications and other medical supplies you use on a daily basis because they may be hard to find in another country if you run out. Even if you can find them, there's a good chance the formulations will be stronger or weaker than the ones you're used to. These may include any prescriptions you already take, such as inhalers, allergy medication, and insulin, as well as contact lens cleaners and vitamins.

Packing an over-the-counter pain medication like acetaminophen and diarrhea medication is also a good idea. It's a good idea to pack some over-the-counter allergy medication even if you don't take it at home. People sometimes unexpectedly develop allergic reactions to the pollens and other allergens found in a new environment. Those with asthma or other allergies can unexpectedly react to these new substances.

Write It All Down

Even if you watch what you eat and drink and get enough rest while you're traveling, you may still get sick. The good news is that you'll probably be able to find competent medical care. The key is knowing where to go. Most travel guides suggest you go to a hospital where English is spoken or U.S.-trained doctors can be found. For this reason, it's a good idea to always carry a written copy of your medical history with you.

Having such important information available in one place can help health care workers make appropriate decisions, and you won't have to worry about forgetting important information at a time when you're likely to be upset and not thinking clearly.

Before you leave your home sweet home, create a medical history form that includes the following information:

  • your name, address, and home phone number as well as a parent's daytime phone number
  • your blood type
  • immunizations
  • your doctor's name, address, and office and emergency phone numbers
  • the name, address, and phone number of your health insurance carrier, including your policy number
  • a list of any ongoing health problems, such as heart disease, diabetes, or AIDS
  • a list of current medications you are taking and pharmacy name and phone number
  • a list of allergies to medications, food, insects, and animals
  • a prescription for glasses or contact lenses
  • the name, address, and phone number of a relative other than your parent

It also helps if you have some basic emergency medical knowledge, not only for yourself but for helping others you may be traveling with. A great way to prepare for your trip is to take a first-aid or basic life support course before you go; if you're traveling with a group, you should know where the first-aid kit is and what's in it.

Basic Safety

It's easy to let your guard down when you travel. After all, you're more relaxed and there are so many new sights to focus on. In addition to paying attention to your personal safety (avoiding secluded places and not walking alone after dark), you'll need to reset your thinking when it comes to traffic safety, too. The rules of the road aren't the same overseas as they are at home. In some countries, people drive on the opposite side of the road and you'll need to be aware of this before you cross the street - look in the opposite direction from the one you're used to. Pedestrians don't always have the right of way overseas, either. Be sure there are no cars coming when you step into the street: If there are, they may not stop for you!

If you practice these healthy hints you can focus on the scenery - not medical emergencies - and return home with nothing more troubling than some tacky souvenirs!




Di antara sekian banyak jenis kartu kredit yang bisa ditemui saat ini tidak jarang jika akhirnya jadi bingung sendiri mana yang memberikan benefit terbaik. Pasalnya, setiap bank pun mengeluarkan beberapa tipe kartu kredit dengan varian layanan dan fasilitas yang berbeda.



Berikut ini ada beberapa tips yang perlu Anda cermati dalam memilih jenis kartu kredit:

1. Untuk lebih mudahnya, pilihlah berdasarkan kebutuhan Anda.
Misalnya, jika pekerjaan menuntut Anda untuk sering bepergian baik ke luar kota maupun ke luar negeri, menggunakan kartu kredit yang dapat digunakan di berbagai tempat akan memberikan kemudahan tersendiri.


2. Setiap kartu kredit pun memiliki layanan yang menarik untuk ditilik lebih lanjut.
Hal itu juga disesuaikan dengan hobi yang Anda miliki mengingat banyaknya fasilitas kartu kredit yang memberikan promo berupa potongan harga untuk menikmati beragam hiburan. Mulai dari menonton film, santap kuliner, atau beravontur ke berbagai tempat di Indonesia atau luar negeri. Program-program promo tersebut tentu saja akan memberi kemudahan dan keuntungan lebih bagi Anda.

3. Selanjutnya tentukanlah pagu kredit yang diinginkan untuk disesuaikan dengan kemampuan.
Untuk pemula, sebaiknya pilihlah pagu terendah terlebih dulu di mana hal ini juga untuk menyiasati agar tidak berbelanja kelewat batas.

4. Memperhatikan suku bunga yang diterapkan juga bisa dijadikan pertimbangan. Di samping itu, beberapa jenis kartu kredit pun ada yang bisa sekaligus digunakan untuk menarik uang di layanan ATM

Tentu saja, memperhatikan kredibiltas bank sangat dibutuhkan untuk menjamin keamanan dan kenyamanan Anda sebagai nasabah. Jika hal di atas sudah dilakukan dan kartu kredit sudah di tangan, ada hal lain yang harus selalu diingat yaitu belanjalah dengan baik agar tidak terbelit masalah di kemudian hari.

semoga bermanfaat :)

Anda hendak membeli polis asuransi kerugian? Jangan terburu-buru. Ada beberapa hal yang perlu diperhatikan ketika menentukan produk asuransi kerugian apa yang akan Anda pakai, baik untuk Anda sendiri maupun untuk perusahaan tempat Anda bekerja. Beberapa petunjuk berikut bisa membantu Anda.

1. Pisahkan barang/obyek sesuai dengan perhitungan ekonomisnya
Pilihlah barang yang benar-benar perlu diasuransikan sehingga Anda tidak akan rugi. Misalnya, jika Anda berniat mengambil asuransi kebakaran untuk rumah beserta perabot rumah tangganya, maka Anda tidak perlu memasukkan komputer dan segala kelengkapannya ke dalam perhitungan. Mengapa? Karena nilai recovery untuk perusahaan komputer sangat rendah jika dibandingkan pada saat nilai pembelian komputer atau pada saat akan diasuransikan.
Contoh lain, Anda akan mengambil asuransi kendaraan bermotor (mobil) atas aset perusahaan. Jika mobil-mobil yang akan diasuransikan sudah berusia di atas 10 tahun, maka secara ekonomis biaya premi asuransi akan lebih besar. Lain halnya jika perusahaan dapat mengatur sendiri/self insurance atas aset kendaraannya.

2. Identifikasikan barang/obyek secara jelas
Sebaiknya Anda terlebih dahulu mengidentifikasikan barang/obyek yang akan diasuransikan. Misalnya, mobil sedan Toyota Corolla tahun 1998. Pada perusahaan, misalnya sebuah pabrik garmen beserta mesin-mesin, genset dan peralatan lain yang terkait dengan aktivitas pabrik.

3. Pilih perusahaan asuransi dengan reputasi yang baik
Jangan terkecoh dengan perusahaan asuransi yang memberikan rate premi (jumlah terbayar untuk suatu unit perlindungan yang diberikan) yang rendah atau potongan premi yang tinggi. Jika Anda lakukan, bisa-bisa perusahaan asuransi tersebut tidak bisa menyelesaikan pembayaran klaim pada saat Anda melakukan klaim terhadap mereka.

4. Beri keterangan sejelas-jelasnya
Berikan keterangan sejelas-jelasnya mengenai obyek akan Anda asuransikan kepada pihak asuransi /broker asuransi. Sebaliknya, mintalah informasi selengkap-selengkapnya mengenai produk asuransi yang mereka tawarkan. Anda bisa bertanya mengenai jenis asuransi, luas jaminan, rate premi, deductible (jumlah ongkos yang akan Anda bayar sebelum pihak asuransi mulai membayarkan santunan), potongan atau prosedur klaim.

5. Mintalah cakupan pertanggungan asuransi (insurance coverage) yang paling baik
Anda sebaiknya meminta asuransi yang paling luas jaminannya sebelum pihak asuransi menerbitkan polis asuransi tersebut. Sebagai contoh, untuk asuransi kebakaran Anda bisa minta Asuransi Kebakaran + RSMD 4.1.A atau 4.1.B + earthquake (gempa bumi) + flood (banjir). Untuk asuransi properti gedung, Anda bisa minta cover property all risks (P.A.R). Jika hendak mengasuransikan kendaraan bermotor, mintalah asuransi kendaraan bermotor cover all risks + RSMD 4.1.A, dll.

6. Pilih produk asuransi secara paket
Daripada hanya memilih satu produk asuransi, Anda dianjurkan untuk memilih satu paket sekaligus. Dengan demikian Anda akan memperoleh fasilitas potongan dan pelayanan yang lebih baik. Misalnya pembelian asuransi rumah (Asuransi Kebakaran) berikut mobil-mobil (Asuransi Mobil) dan personal accident untuk anggota keluarga.

7. Minta sistem "First Loss Insurance"
Khusus untuk obyek pertanggungan yang memiliki nilai/jumlah yang sangat besar, misalnya di atas Rp100 miliar, mintalah sistem "first loss insurance" kepada pihak asuransi sehingga premi yang Anda bayarkan tidak terlalu besar.

8. Minta sistem "Adjustable Policy"
Nilai/jumlah asuransi stok barang dagangan biasanya menunjukkan volume berbeda setiap hari atau setiap bulannya. Untuk mengatasinya, Anda bisa minta sistem "adjustable policy". Dengan sistem tersebut Anda akan membayar premi sesuai dengan volume/transaksi yang benar-benar telah Anda lakukan.

9. Baca, teliti dan bertanya
Bacalah dengan cermat dan telitilah isi pernyataan polis dan pasal-pasalnya. Tanyakan mengenai prosedur klaim yang nantinya Anda lakukan sebelum menyetujui suatu penerbitan polis asuransi. Jika terdapat kesalahan dalam penulisan, baik mengenai obyek asuransi maupun keterangan lainnya, segeralah memberitahu pihak asuransi/broker asuransi. Mereka akan segera menerbitkan perbaikan tertulis pada polis tersebut.

Setelah Anda menyetujui penerbitan polis yang dimaksud, mintalah dokumen asli serta duplikat polis itu, lengkap dengan kuitansi sebagai tanda kepemilikan dan pembayaran premi asuransi.

Sumber : portalasuransi.com

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