KMD MONTHLY BULLETIN – FEBRUARY 2023

IMPORTANT DAYS

1st February – Indian Coast Guard Day 2nd February - RA Awareness Day

On 1st February, the Indian Coast Guard celebrates its RA Awareness Day is Rheumatoid Arthritis Awareness Day and is
foundation day. Indian Coast Guard has played a significant observed on 2nd February to spread awareness for patients
role in securing the Indian Coasts and enforcing regulations suffering from rheumatoid arthritis.
within the Maritime Zones of India

4th February - World Cancer Day 10th February - National Deworming Day

Every year on 4th February, World Cancer Day is observed
globally and is celebrated by WHO to aware people of the
disease Cancer and how to cure it. The theme for 2023 continues
to be "Close the Care Gap," and will last till 2024 (a 3-year
campaign) with focus on “Uniting our voices and taking action”.
It is observed on 10th February every year. It is an initiative of
the Ministry of Health and Family Welfare, Government of India
to make every child worm-free in the country.

13th February – Sarojini Naidu Birth Anniversary 13th February - International Epilepsy Day

13th February is celebrated as the birth anniversary of the
Nightingale of India i.e. Sarojini Naidu. She was born on 13th
February 1879 in Hyderabad to scientist and philosopher
Aghornath Chattopadhyaya and Barada Sundari Devi. She was
the first Indian woman President of the Indian National
Congress and also the first woman governor of an Indian state
that is Governor of United Province which is now known as
Uttar Pradesh.
Every year the second Monday of February is observed as
International Epilepsy Day. The day spreads awareness and
educates people about the true facts of epilepsy and the
urgent need for improved treatment, better care, and greater
investment in research.

14th February – 18th February to 27th February 28th February –

27th February - World NGO Day National Science Day
Saint Valentine's Day - Taj Mahotsav

On 14th February every year,
Valentine's Day or the Feast of Saint
Valentine is observed. Valentine's
Day is named after a Catholic priest
named Saint Valentine who lived in
Rome in the 3rd Century.
On 18th February every year Taj
Mahotsav or Taj Festival is celebrated
at Agra revealing the rich cultural
heritage of our country. This festival in
2023 will begin on 18 February and
last till 27 February 2023. No doubt,
the Taj Mahal represents the
magnificence of the Mughal era and
displays the finest specimens of Indian
craftsmanship.
The day is dedicated to recognizing,
celebrating, and honouring all non-
governmental and non-profit
organizations, and also the people
behind them that contribute to
society.
National Science Day is celebrated
every year in India on 28th February
to mark the discovery of the Raman
Effect by the Indian physicist Sir
Chandrasekhara Venkata Raman. He
discovered the Raman Effect on 28th
February 1928 and for this discovery,
he was honoured with the Nobel Prize
in Physics subject in 1930.
 Broken Heart Syndrome / Takotsubo cardiomyopathy

Also known as “stress cardiomyopathy”, apical ballooning syndrome

A temporary condition characterized by sudden dysfunction of the

left ventricle of the heart, most symptoms resemble those of a heart
attack but occurs in the absence of significant coronary artery
disease. Typically attributed to stressful events which could be
emotional or physical, the condition is usually transient.

Symptoms

• Sudden onset of chest pain

• Shortness of breath
• Palpitations - faster heartbeat
• Nausea/vomiting

Risk factors include:

Gender - more common among women

Age - more common after 50 years or older
Neurological conditions - persons with certain neurological conditions such as
head injury, epilepsy is at higher risk.
Psychiatric conditions - people suffering from anxiety, mood disorders are at
Causes higher risk.

The extreme stress can release hormones, such as, adrenaline which can
cause temporary heart damage. It occurs following an intense physical or
emotional event and may include:

• Grief from unexpected death or illness of a close relative

• A surprise parties.
• Sporting triumph
• Domestic abuse
• Vehicular accident
• Having to perform publicly.
• Bad news such as a frightening medical diagnosis
• Financial loss or job loss
• A major surgery
• Strong arguments, betrayal
• Asthma attack

Prevention

It is important to manage stress in life. Complications

Practice stress relieving methods such as yoga.

Specialist To Consult: Cardiologist – Doctor specializing in the

diagnosis and management of heart related disorders. Complications may occur in around 20% of the cases and
may include:

• Ventricular arrhythmias
• Clot formation in the left ventricle
• Left ventricular free wall rupture,
• Left heart failure with and without pulmonary edema,
• Very low blood pressure
Dynamic Stretches
for A Healthier
Spine

The spine is one of the most overworked and

underappreciated parts of our body.

Our spines are very sensitive and can easily

become tight and stiff which leads to neck
pain, lower back pain, and headaches.

To combat these problems, we need to do

some dynamic stretches for a healthier spine
every day. Dynamic stretches increase
flexibility and mobility through a full range of
motion.

These stretches are designed to be done

every day to keep the spine healthy and
mobile.

The Cat/Cow Stretch The Bird Stretch

The Cat/Cow stretch is meant to lengthen the spine by flexing and extending The bird stretch is a yoga pose that works on your spine, shoulders and back
your spine through its full range of motion. Cat and cow is a great stretch for muscles. It's also great for loosening up stiff joints, especially in the neck area
the body that helps to release tension in our muscles. This stretch works on which can become tight from prolonged periods of looking down at your phone
the abdominal region, which includes the pelvis and lower back area. or computer screen.

The Side-To-Side Neck Stretch The Cobra Stretch The Standing Spinal Twist

This stretch is one of the most effective at reducing
headaches and tension in your neck and upper back
along with maintaining a healthy spine. The side-to-
side neck stretch begins by tilting your head to one
side until you feel a gentle pull in the back of your
neck. Hold this position for 10-20 seconds and then
slowly return to the centre. Repeat on the opposite
side until you have stretched both sides of your neck.
By holding this stretch, you will increase blood flow
and reduce headache and neck pain symptoms.
The cobra stretch, also known as the upward-
facing dog pose is a yoga posture that works on
strengthening the abdomen, increasing flexibility
in the back, and stretching the chest, spine, hips
and loins.The movement itself is simple; all you
have to do is raise your head above while keeping
your hands on the ground while lying on your
stomach with your legs together and extended.
The Standing Spinal Twist is a yoga pose that
works on relaxing the torso, increasing flexibility
in the spine and improving blood flow to all parts
of the body. The Standing Spinal Twist also helps
deal with stress by giving you time to breathe and
clear your mind.If you have tight hips or a stiff
back this pose can help to loosen things up. It
also helps improve blood flow in the body and
gives the spine a good stretch.
 HEALTHY RECIPE
Add Flax Seeds to Your Everyday Breakfast

Loaded with vitamins and nutrients, flax seeds are widely consumed today for their health benefits. These tiny seeds are rich in omega-3 fatty acids,
protein and fibre., all that is essential to boost one’s overall health.

Flax seeds can help manage most common health issues including digestive issues, irregular blood sugar, obesity etc To enjoy multiple benefits of
these nutritious seeds and keep health issues at bay, One should add flax seeds to daily diet. Here we provide some flax seeds recipes which are tasty
as well as healthy.

Instant Flax Seeds Oatmeal Flax Seed Fruit Salad Flax Seeds Paratha

Ingredients Required Ingredients Required Ingredients Required

• 1/2 Cup Oats • Fruits Of Choice • 1/2 Cup Whole Wheat Flour or Atta
• 1 Cup Water • Nuts • 1/2 Tsp Cumin Seeds
• Honey Or Sugar to Taste • Black Salt • Salt To Taste
• Milk As Per Taste • Fresh Juice of Choice • 3 Tbsp Flax Seeds
• 1 Tsp Flax Seeds • Fresh Lettuce Leaves • 1/2 Cup Oats
• Fruits/Nuts (Optional) • Flax Seeds • Ghee As Required
• Water As Required
Directions Directions
• In a pan, add water, flax seeds and oats. • In a bowl, add all the chopped fruits of Directions
Bring to a boil. choice. Pick fruits like pomegranate, apple, • In a blender, powder flax seeds and oats.
• Once cooked, add sugar or honey as per pineapple, melon, banana, grapes, kiwi. • In a big bowl, add whole wheat flour, oats and flax
taste. • Add in fresh, chopped lettuce leaves. seeds mix, cumin seeds and salt.
• Pour in milk. • Pour in some fresh juice. • Add in ghee and water as required.
• Take off the flame. • Toss and top the salad with flax seeds. • Knead a soft dough and let it rest for a few minutes.
• Top it with the fruits and nuts as per liking. • Using a rolling pin, make parathas and cook on a hot
tawa.
• Take off the flame and top it with butter.
• Enjoy with curd or pickle.

Other Ways To Add Flax Seeds To Diet

If someone takes smoothies for breakfast, then one can start adding nutritious flax seeds to the blender while churning them up. They will instantly add to the health
quotient.

If someone bakes bread at home, then one can add flax seeds to bread recipes by topping the breads with flax seeds or adding powdered flax seeds to the bread
dough.

One can also add flax seeds to breakfast cereal, it adds a great crunch to the cereal while also fuelling the body with protein and fibre.
 Continuous Glucose Monitoring Devices and emerging
trends in Glucose Monitoring
For a person living with diabetes, regular blood sugar (glucose)
checking is a painful but an important part. The standard way of
measuring the glucose levels in the blood is by taking a small
sample of blood from one’s finger and holding it against a test strip
attached to a blood glucose meter.

This needs to be done several times a day or week as may be

advised by the Doctor.

The advent of continuous glucose monitoring (CGM) machines or

devices may possibly mean that diabetics won’t be required to prick
their fingers so frequently.

Continuous glucose monitoring is a method of, continuously

monitoring the glucose in the body.

It involves placing a tiny sensor just under the skin that measures
the individual’s glucose levels, transmitting this information to an
external monitor or mobile phone or both.

Here, are the pros and cons of CGM devices as of now and other emerging trends in glucose monitoring

Benefits of CGM Devices

• It reduces or eliminates the need for frequent finger-prick testing, which can become quite a burden
for many people.
• It can be useful for people with diabetes who often have hypoglycaemia unawareness. Some diabetics
do not experience any symptoms even if they are having low blood glucose which is dangerous and
considered a medical emergency. However, with CGM the individual can be warned that his blood
glucose is getting low before it becomes a problem by continuously monitoring the blood glucose.
• The ability to send proper and accurate readings to the healthcare provider helps them understand
the situation in much greater detail, which they can use to make medication decisions or to give
accurate lifestyle advice.

Disadvantages of CGM devices

While CGM devices may seem ideal for all diabetics, but they have their own disadvantages.

Painful process of inserting Sensors - For some the process of inserting the sensor can be painful, and with most devices, this needs to be done every week or
every two weeks. In addition, when a sensor is replaced, the new one needs to be placed at a different spot, and on smaller bodies, this can sometimes be a challenge.
Irritation or sores due to Sensors - Some people also find that the insertion site can get irritated or sore.
Technical Snags - There can also be problems with a loss of signal with the connection between the sensor and the CGM device, resulting in losing important data
about their blood glucose levels.
Privacy Issue. In most CGM’s being marketed today, one needs to place the external device near the sensor for the CGM device to pick up the signal, there is a
permanent reminder that they have diabetes, and which is visible to everyone and is annoying socially.

Future of CGM devices

New technologies are always being developed and some of the current cons can be reduced or eliminated. Some of the most important developments are
as follows –

• Closed loop and fully insertable CGM systems.

• Longer Sensor Life.
• Guardian Sensor beneath the skin works differently - rather than giving off an alarm that tells the user they need to take or reduce their insulin, the
attached insulin pump will automatically adjust insulin levels when it detects changes to blood glucose levels.
• Use of smartwatches to measure blood glucose levels as a CGM device alone or with other sensors.
• Nano-sensors that can detect glucose levels in one’s breath.
• External patch with microneedles measures blood glucose instead of a sensor that needs to be inserted into the skin.
SENIOR
CITIZEN
CORNER
Benign Prostatic
Hyperplasia / Enlarged
prostate.

A condition in which the flow of urine

is blocked due to the enlargement of
prostate gland. The symptoms
include increased frequency of
urination at night and difficulty in
urinating.

Symptoms Causes

• Frequent Urination The exact cause is unknown. Hormonal changes in older

• Nocturia or increased frequency of urination at night men may play a role in the enlargement of prostate
• Difficulty in starting the urination or straining while urinating. glands thereby blocking the urethra, the tube which
• Weak or a continuous stream of urine carries urine from bladder and passes through the
• Dribbling at the end of urination centre of prostate glands.
• Inability to empty the bladder.
• Blood in urine
• Urinary incontinence
• Urinary retention

Risk factors include.

• Age: men over the age of 60 years may experience an

enlarged prostate
• Continued growth of the prostate
• Changes in sex hormones
• Family history
• Diabetes
• Heart problems
• Obesity
• Prostate cancer

Complications
If untreated for a prolonged period, it may lead to: Prevention

• The flow of urine could be blocked. There are no specific preventive measures.
• Inability to urinate The overall active lifestyle with adequate
• Frequent urinary tract infections exercise is recommended.
• Bladder stones
• Damage to muscles of the bladder
• Acute urinary retention
• Kidney problems
 Guide to Health
Insurance claims:

Cashless Process Flow:

• Insured visits Network Hospital

• Pre-Authorization Request Form is filled and signed by Hospital Authority and the claimant / relative.
• Duly filled preauthorization form is submitted to TPA via e-mail.
• Cashless claim adjudication is done based on policy terms and conditions and the Final Authorization letter
is sent to provider.
• If additional information is required to confirm the admissibility, then the same is conveyed to the hospital
via deficiency letter followed by a call.
• If the claim does not fall within the scope of the policy coverage, the cashless is repudiated.
• The repudiation letter is sent to the provider.

Reimbursement Process Flow:

Reimbursement claim is a three-step process.

1. Claim Intimation / Notification

2. Claim document procurement /Standard document 3. Claim submission:
Check list required for reimbursement claim
All of the above should be submitted to the nearest
• Duly Filled & signed Claim Form of Insurance Company Ltd. TPA branch office within stipulated timeline as
• Original Discharge Card / Summary, specified in the policy
• Original Final Bill of the Hospital with breakup of all charges,
• Original Bill Paid Receipt,
• Original Investigation Reports,
• Original Prescriptions and corresponding Medicine bills,
• Copy of the Hospital Registration Certificate,
• Any other original documents related to the claim.
• In case of Accident case, required detailed narration of incident (how when and
where) along with MLC/FIR copy and alcohol history
• The copy of the cancelled cheque & Bank passbook copies with the name mention
of the policy holder & it should be clear & readable.
• For cataract claims provide Biometry/ A scan report, Sticker of the lens along with
the invoice copy of the lens.
• If stent used in any surgery, then original sticker and original invoice copy required
for the same.
• Please note in case of any deficiency of documents for the claim settlement we
will communicate you on the same.

K. M. Dastur Reinsurance Brokers Private Limited

2nd Floor, East Wing, Cambata Building, 42 Maharshi Karve Road, Churchgate, Mumbai - 400020
Tel: 022-6617-7600 | Email - communications@kmdastur.com