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Global professional services firm PricewaterhouseCoopers (PwC) recently said insurance companies must reduce premium charges, collection cost in order to penetrate into rural, and Below Poverty Line masses.

The statement was made by PwC in a recently released report on health insurance in India.

From Economictimes.indiatimes.com:

“For penetration among the BPL category and rural sections, insurance premiums should be kept low and manageable. Over time and efficiencies can be achieved and costs lowered,” Sujay Shetty, Leader-Pharmaceuticals and Life Sciences, PWC India, told reporters after releasing the report.

He said less than 15 per cent of India’s population is covered under some form of health insurance, including Government-supported schemes. Only 2.2 per cent of the population is covered under private health insurance, of which rural health penetration is less than 10 per cent.

“Health Insurance is particularly critical for BPL people. This is because an illness is especially threatening for BPL families. Not only is it a threat to their income earning capacity, it could also result in the family falling in to a debt trap,” Ranga Iyer, healthcare consultant, said.

The report calls for a new business model to cater to the demand for insurance products, considering Public-Private- Partnerships, outpatient coverage, creation of a credit bureau for reliable data and setting up a healthcare regulator.

The report is jointly prepared by PwC India and India Health Progress – a healthcare communication consultant.

Novogen, a pharmaceutical company, has been granted patent coverage over its OTC products being sold in Canada.

The patent covers the isoflavone composition of the products Promensil(TM), Rimostil(TM), and Trinovin(TM).

From News-medical.net:

Additionally the patent covers the use of isoflavone health supplements for the treatment of menopause symptoms. The CEO of Novogen, Mr. Christopher Naughton, said the grant of this patent significantly strengthens Novogen’s position in the Canadian market. “The issue of this Canadian patent will facilitate Novogen discussions with other companies now engaged in, or planning to enter the market in which Promensil, Rimostil and Trinovin compete in Canada,” Mr. Naughton said. This patent (# 2,136,233) covers isoflavones in health supplement tablets and capsules including those sourced from red clover and soy.

Novogen uses red clover as the source of the four types of isoflavones in its products.

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In today’s world when we do not any ample time to spend with ourselves and people who matter the most, we all are losing happiness without realizing this fact. While we try to compensate missing things in our life, especially happiness and company of loved ones, with strange things such as social networking, cigarette, alcohol, drugs, and what not, we forget to understand that efforts are required to find happiness. Mind you, these efforts are not something you cannot do. They are simple only if you want them to be done by you.

Before finding about what are the simple things to happiness, let us find if some things are difficult for us.

• Stopping the habit of nagging.
• Forgiving mistakes and people.
• Spending more time with people who matter the most.
• Listening without turning on PC or Television.
• Nurturing relationships.
• Focusing on the positive side of life.
• Stop blaming destiny for negatives.

If these things are easy for you, you will be surprised to know that these are the small things that we were trying to talk about for attaining happiness in life. Yes, you read it right.

Most importantly, always remember one thing in life: do not compromise a living one for a nonliving thing and you’ll be happy forever.