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.
How is Group Personal Accident Insurance Premium Calculated? In a country like India, where the population is on a constant boom, the number of vehicles plying on the road is also facing an alarming increase which has led to a lot of traffic and has become the prime reason for alarming rise in the number of accidents. The causality rate in such accidents is also getting higher and higher each passing year. Rash driving and jaywalking are other persistent issues that have led to large number of accidents daily. Road accidents can mostly fatal or critical. If not fatal, then the hospital expenses would be expensive enough to make a dent in one’s lifetime savings. This is where accidental benefits offered by insurance providers come to one’s rescue. Such policies provide coverage for hospital bills, surgical expenses and ensure compensating the insured person for their loss of income. Generally a personal accident insurance policy offers covers for injuries, death or disability caused purely due to accidental events. This type of policy is completely different from personal life insurance, health insurance or mediclaim policies. The personal accident insurance can either be taken for individuals or can be taken for a family as a whole. The coverages and add-ons provided by the insurance providers differ from company to company Here are just some of the most common coverage offered under personal accident insurance: Accidental Death: The insurer provides a substantial compensation to the beneficiary or the nominee, in case of death of the policy holder, due to severe injuries in the body caused due to an accident.Temporary or Partial Disability: Loss of a foot or hand, toes, speech, hearing ability, fingers, eyesight, sense of smell or taste due to an accident are just some of the many partial disabilities that are covered under personal accident insurance policies.Permanent Disability: Loss of both the hands, complete irreversible loss of eyesight, hearing and speech caused by an accident are covered under personal accident insurance policies as permanent disabilities.Medical Expenses: Personal accident insurance policy provides coverage for full reimbursement of the medical expenses incurred on treatment, provided the claim is filed within a year of the accident,Funeral Expenses: Personal accident insurance policy also covers the transportation charges of mortal remains and funeral expenses if the insured dies in an accident. These expenses are mostly covered under the policy as add-ons.Hospitalization Expenses: In the case of loss of income due to hospitalization, personal accident insurance provides the insured with daily cash to meet the day-to-day expenses. When choosing a personal accident insurance policy, do remember to carefully consider the coverage and benefits offered by your intended policy. This will make sure that there are no confusions or misunderstanding at the time of making a claim. Make a detailed note of the exclusions (things not covered by the policy). Remember, not to hide any important details at the time of insurance application and at the time of making a claim. Stating wrong, misleading information or hiding information liable to be disclosed is an offence and this can result in the rejection of the policy or claims. Usually, personal accident insurance policies allow insured to choose a nominee or beneficiary who would know all the details pertaining to the insurance so that in the case of the demise or disability of the insured, one’s beneficiary is paid the benefits provided under the policy. It makes sense to disclose about the other existing policies in your name when applying for personal accident insurance policies. Group Personal Accident Insurance: Nowadays, corporate firms and organisations are also taking extra efforts to secure the lives and health of their employees. A large number of companies in India offer group life and health insurance policies to ensure that their employees and loved ones are safe and secure in the event of medical emergencies. Group Personal Accident Insurance, as the name suggests, is a policy for a group of people taken by a company or an organisation. The most important reason for companies to choose this kind of policy for their employees is to ensure a comprehensive medical cover and financial protection against huge expenses incurred due to accidental death or disablement of their employees. Group personal accident covers are available for both employees of an organisation and for the owner/s. Such policies play an important role in the life of any salaried employee as they are not required to buy a separate accident cover. Some of the many insurance companies that offer group personal accident insurance are HDFC Ergo, SBI general, TATA AIG, and Cigna Health Insurance. The claim settlement process for such policies is quick. Claims made are either paid out to the insured or their nominee and this policy covers all the expenses in the event of an employee getting injured or suffering a permanent disability due to an accident. This policy can be bought by anyone with either a large group or a small group of people including (but not limited to) banks, schools, colleges and corporates. These policies can be customized to cover the needs of any number of people in a group. Please be advised that group personal accident policies don’t cover natural deaths, accidental injuries caused under the influence of alcohol or drugs, child birth, injuries caused due to exposure to radioactivity or nuclear perils. Group Personal Accident Insurance Premium Calculator Let take an example to understand how to calculate the premium of group personal accident policies. Let’s assume you are from a company of 25 full-time employees and your company is looking for a comprehensive group personal accident insurance plan to protect all of its employees against accidental deaths or injuries. For these 25 employees, the company would have to pay a premium around Rs. 55000 to get coverage of Rs. 5 lakhs. This is for comprehensive add-ons and fixed medical cover. For variable coverage and comprehensive add-ons the premium amount would be around Rs. 50000 and for comprehensive cover and limited add-ons, the premium amount would be around Rs. 45000. The premium would cover accidental deaths, partial disability and permanent disability. A weekly benefit of Rs. 5000 or 1% of the sum insured will be paid out to the insured. Fixed medical expenses of Rs. 5000 or 10% of the total sum insured or 40% of the total admissible claim will be paid to the insured as medical expenses. Transportation charges of the mortal as well as ambulance expenses are also covered under such plans. A fund allocated towards insured’s child’s education of Rs. 10000 is paid out in case of the death or disability of the insured caused due to an accident. Family transportation charges of Rs. 5000 are also provided to the beneficiaries of the policy. The claim has to be made within the one month of the accident and the waiting period for pay-outs is generally three months from the date of claim submission. To calculate the premium for your group personal accident insurance, simply follow the below mentioned steps: Fill in the sum insured, you want for each employee or the members in your organisation.If you wish to provide coverage to the souse and kids of your employees too, then you’ll need to find out the exact number of dependents for each of your employees.Now, fill in the date of birth of your employees and their dependents (if chosen).Select if you are looking to add dependent parents of your employees in your group life insurance plans too.Now simply click on calculate premium and you’ll get to know the premium that you will need to pay for your group personal accident insurance.Documents Required for Group Personal Accident Insurance The documents needed to get the policy are, proposal form, declaration form, details of all the employee, medical reports of employees and previous year’s claim reports of the company. For filing a claim, the documents required are complete personal information of the insured along with their insurance id number, FIR reports, medical bills and medical certificates. Conclusion A group personal accident insurance is perhaps the best way for a company to earn the respect and trust of its employees. Given the unpredictability of life and increasing cases of road accidents, group personal accident insurance plans are always a sure way to safeguard health, life and belongings of your employees.
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