Mesothelioma is a form of cancer which occurs in thin membranes (called the mesothelium) lining the chest, lungs, abdomen and sometimes the heart. Although quite rare, mesothelioma symptoms strike more than 200 people each year in the United States. The majority of mesothelioma cases are directly linked to asbestos exposure.
Because of the long latency period of mesothelioma, the average age of patients is between 50 and 70 years. Mesothelioma affects men most due to the high exposure of asbestos in industrial typed jobs. Mesothelioma symptoms include respiratory problems, shortness of breath, continual cough and pneumonia. Other mesothelioma symptoms include weight loss, abdominal problems and swelling. In some mesothelioma patients, the mesothelioma symptoms are quite muted, making it hard for mesothelioma doctors to diagnose.
Mesothelioma doctors specialize in the study, research, and treatments of Mesothelioma cancers.
Mesothelioma (or the cancer of the mesothelium) is a disease in which cells become abnormal and replicate without control. During Mesothelioma, these cells will invade and damage tissues and organs. Mesothelioma cancer cells can spread throughout the body causing death.
Mesothelioma treatments and Mesothelioma clinical trials and tests
There are many mesothelioma treatment options available. Treatments include surgery, radiation therapy and chemotherapy and the mesothelioma treatment depends on the patient’s age, general health and stage of the cancer. There has been much mesothelioma research conducted throughout the past two years to find new treatment methods. Click here to read more about mesothelioma treatment techniques.
Through mesothelioma research, The National Cancer Institute has sponsored mesothelioma tests and clinical trials that are designed to find new treatment methods. Because of the increase in number of mesothelioma cases in the United States, both governments have increased funding for mesothelioma research. Mesothelioma research and clinical trials have been successful in developing new techniques to fight this cancer and the outlook for more advanced mesothelioma treatments is promising.
Surgery is the most common treatment method for malignant mesothelioma. Tissues and linings affected by mesothelioma are removed by the doctor and may include the lung or even diaphragm.
A second mesothelioma treatment method is radiation therapy through the use of high energy x-rays that kill the cancer cells. Radiation therapy can be outside or inside the body.
A third mesothelioma treatment method is chemotherapy. Through pills or drugs through needles, chemotherapy drugs are used to kill cancer cells.
A new mesothelioma treatment method is called intraoperative photodynamic therapy. In this treatment, light and drugs are used to kill cancer cells during surgery for early stages of mesothelioma in the chest. Although there are numerous treatments and drugs for mesothelioma, doctors are losing the battle against this deadly disease. Most mesothelioma treatments involve old techniques combined with different drug cocktails. However, in most cases, these mesothelioma treatments have many side effects including organ damage, nausea, increase in heart failure etc. The rush to find a more effective mesothelioma treatment or even cure is ongoing at numerous clinical labs across the nation. Let's hope that the mesothelioma treatments will one day erradicate mesothelioma cancer and asbestosis.
With an abundance of information on the Internet, Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com]) has consolidated the most important issues surrounding Mesothelioma, Mesothelioma doctors and symptoms, Mesothelioma treatment, Mesothelioma research and tests.
At [http://www.mesothelioma-cancer-and-asbestos.com], the website contains useful resources on Mesothelioma lawyers and attorneys, as well as causes by asbestos exposure, asbestos removal, asbestos attorneys and lawsuits, and asbestos cancer. Patients stricken by Mesothelioma and their families require support and current information. Mesothelioma Online Resources hopes to educate and give hope to survivors and victims.
Mesothelioma is such a harsh disease. Not only does it take years for symptoms to appear, but there are limited treatements and drugs that will prolong the lives of workers stricken with mesothelioma. In many cases, the death rate of mesothelioma is unfortunately very high. However, with increased funding in mesothelioma research through the government and private grants, the outlook for a mesothelioma cure is quite possible. In the meantime, mesothelioma support groups and local discussions provide the ongoing support for mesothelioma patients.
Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com])is your source for mesothelioma and asbestos information, treatments, clinical trials, attorneys, support groups and lawyers.
About the website: Michael Kenneth is a successful Internet Publisher and has researched and written on many topics for [http://www.mesothelioma-cancer-and-asbestos.com] - your complete source for mesothelioma information, mesothelioma attorneys and lawyers, mesothelioma treatments and research, asbestos exposure and removal, asbestos attorneys and legislation as well as asbestos cancer.
Your car insurance must provide you with the financial cover you are looking for, period!
That means you should not spend way too much on the car insurance premiums neither should you cut down your car insurance premium so much that it loses its importance. And you end up paying a hefty amount of money at the time of claims.
But have you thought about how is it possible?
There are factors affecting your car insurance premiums that you may not be aware of.
Worry not.
Because this post will help you to supercharge your car insurance benefits while helping you to optimise the premiums you pay. A perfect win-win scenario!
Let’s now put light on some lesser known factors affecting your car insurance premium for you.
Factors Influencing Car Insurance Premiums
Depending on car insurance policy type
There are two types of car insurance policies. They are third party policy and comprehensive policy.
Third party car insurance policy is mandatory as per the Motor Vehicles Act, 1988. It is a third party liability cover. It protects third party – any property damage, bodily injury or accidental death of pedestrians, vehicle owner, or the passengers of another vehicle who may become a victim of the accident caused by the insured vehicle.
A comprehensive car insurance policy covers the damages that may incur to your car and also third party liability. Buying comprehensive policy ensures you stay covered for both the third party liability and damage to your own car.
Third Party premiums:
Insurance Regulatory and Development Authority of India (IRDA) decides the premiums. IRDA takes car’s engine cubic capacity (cc) into consideration to decide the premiums you pay for the third party policy. The premium price changes every year.
Check out the third party car insurance premium rates for the FY 17-18.
Comprehensive policy premiums:
When it comes to comprehensive policy, it means covering your car’s own damage. As each car varies on numerous factors, the premiums vary yearly and from insurer to insurer.
Know more how it will be for your car and how you can benefit by knowing influencing factors.
Car make, model, variants:
Car "make" implies car from the same manufacturer, while "model" means when a manufacturer has different car segmentation. A "model" may have different "variants" and "versions".
For instance: If we consider Maruti Swift Dzire LXI (1298) and VXI (1298), then
Maruti is the Make Swift Dzire is the Model LXI (1298 CC) and VXI (1298 CC) are the Variants The premiums for LXI (1298 CC) and VXI (1298 CC) may vary.
Fuel type, it matters - Petrol, Diesel, CNG Kit:
The type of fuel used also affects your car insurance premiums. The premiums differ for petrol, diesel, and CNG. For CNG, there is a minimum increment of Rs.60 plus taxes on the third-party premium, while for a comprehensive policy premium, it matters whether the CNG kit is fitted internally or externally and also, varies from insurer to insurer.
Car Registration RTO:
Car registration RTO also affects the premium. In India, car insurance premiums are segregated based on the location of vehicle registration. The locations are segmented as Zone A and Zone B.
Where, Zone A includes, Delhi, Mumbai, Kolkata, Chennai, Bangalore, Hyderabad, Pune, Ahmedabad. And Zone B includes the rest of India.
Now, depending on the location of your car's registered RTO, the premium varies, which is taken into account including car's engine capacity while calculating own damage factor.
Note: All the vehicles registered under Zone A are charged a little higher premium than cars registered under Zone B.
Car's Engine Cubic Capacity:
Own damage factor is calculated based on car's engine cubic capacity and registered RTO. This factor is different than the third party premium when it comes to a comprehensive policy. The third party policy premium is purely based on the vehicle’s engine capacity. Higher the engine's capacity, higher is the premium.
Vehicle age:
The comprehensive car insurance premium depends on the ex-showroom price of your vehicle. As years pass by, car ages and the Insured Declared Value (IDV) with age goes down because of the depreciation. The IDV offered by the insurers for the aged vehicles is lower than the new vehicles. Thus, the premium for the old vehicles is lower. Whereas, a brand-new car has a higher IDV and higher premiums.
Your age, occupation, driving history, the location of driving:
Yes, you read it right. Your age, driving history, occupation, the location of driving does influence the car insurance premium.
Here’s how each factor has an influence:
Your age: Few insurers offer a good amount of discount to people of certain age. For instance, one may get an additional discount on own damage premium if the policyholder is an experienced driver and is in the age group of 35 years to 45years.
Your occupation: As approved by IRDA, if you are a teacher, a government employee, military personnel, a chartered accountant, and so on, you are eligible for a certain discount on the car insurance premium. For instance, a Doctor or a CA may get an additional discount on own damage premiums.
To avail discount, you need to submit the original supporting document at the time of purchase.
Your driving history: You can avail an additional discount if you haven’t lodged any claims throughout the policy period. You can avail such discounts under No Claim Bonus (NCB). NCB is cumulative, which means, the more the number of claim-free years, the more discount you get. And if you had lodged any claim during the previous policy tenure, you won’t be able to get this discount.
The location of driving: If you are located or drive in an accidental prone area, you may have to pay higher premium. Car owners residing in a heavy traffic location or in a metro city are charged a little higher premium.
Discounts:
You may be eligible for some additional discounts.
Here’s the list of ways you can avail discounts -
Member of Automobile Associations of India:
Being a member of a recognised association could entitle you to some discount. You can earn a rebate up to Rs.200 on premium if you have a membership with any of these four leading automobile associations:
Automobile Association of Upper India
Western India Automobile Association
Automobile Association of Eastern India
Automobile Association of Southern India
To get a discount, submit the membership details at the time of buying car insurance policy.
Install Anti-theft device:
Here’ another way to save money on your car insurance premiums, install anti-theft device as approved by ARAI (Automotive Research Association of India). You get an additional 2.5% off or up to a maximum of Rs.500 on own damage premium on installing an anti-theft device.
Opt for Voluntary deductible:
If you promise to bear a certain amount at the time of claim, insurers offer you a discount on own damage car insurance premium. As a car owner, when you opt for a voluntary deductible, you agree to pay a certain fixed amount at the time of claim, and on that condition, you get this discount.
Know more about 'Voluntary Deductible' in detail. And get the best out of it – lower down on your own damage car insurance premium. These were the factors that influence your car insurance premium. Now, head-on and save some money since you know how these factors impact on your car insurance premium.
Got questions? Leave a comment and let us know what's bothering you. We will be more than happy to help you in saving on your car insurance premium.
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