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ARTICLE # 24

Insurance: The Common Points Of The Insurance

Most people will be familiar with insurance in one form or another. We have all taken out home, car, or credit insurance, among others. Insurance contracts are long, complex documents with many small fonts. Sometimes even a lawyer got lost in the complexities that came with it. However, there are some characteristics that all insurance contracts should have in common. -> Each insurance contract will cover a fortuitous event that may or may not occur. This is the risk you are insuring against. The event could be a house fire, car accident, medical bills, or any other event. The only exception to this is life insurance, which covers your death. This is an event that is sure to happen, however, it is the hour of death that is uncertain here. -> There must be a quantifiable economic loss. Insurers will take risks, but they must be able to quantify and predict the loss in question. The insurance company must be able to know approximately what type of loss will occur if the event occurs. The loss must be quantifiable in monetary terms. For example, you may be able to ensure medical bills or a new car, but not the sadness you feel following an accident. -> The loss must be final. Again, insurers need to know what kind of financial risks they are taking; otherwise, they will not be able to fix the price of the prize.

-> The loss must be significant. The financial cost of the insured risk must justify the administrative costs of the insurance contract. Suppose we want to insure a racehorse. Someone will come to the insurance company, assess the value of the horse, draw up a contract indicating what is covered and what conditions must be met, calculate the premium and issue the contract. This will be worth all the effort for a valuable racehorse. However, if you wanted to ensure your goldfish, it would be difficult to justify the effort required to establish the contract.

-> The loss doesn't have to be catastrophic. What is catastrophic will depend on the size of the insurer and the assets he has available. But the insurance will be useless if the loss is greater than what the insurer could pay. For example, insurance against an earthquake will often be impossible as losses, should they occur, would be impossible for the insurance company to pay.
END

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ARTICLE # 22
Birth Control Needs, Methods And Information Available To Women Today

The Need For Contraception In Today's World

With the rapid growth of the population in the world, as well as the greater sense in the general awareness of HIV / AIDS, it has forced to think about the methods of birth control. The current world population is estimated to be around 6.4 billion with an annual growth of 76 million and, therefore, it is estimated that it will reach 9 billion by 2050. The two highly populated countries of the world, China and India, each reached a population of 1.5 billion, which is more than a third of the total world population at that time. It is an alarming situation for the world to control this population explosion. Therefore, the United Nations urges particularly densely populated countries to control their own populations. According to the survey report on contraceptive methods, when applied in 169 countries, 137 million women are willing to delay their contraceptives, 64 million women use less effective contraceptive measures. If these women are helped with adequate contraceptive treatment (such as pills, condoms), 23 million unplanned births, 22 million induced abortions and 1.4 million babies could be prevented, according to estimates by the States Population Fund. United.
In addition to the population, HIV / AIDS is also a very important factor forcing the use of contraception. There are approximately 38 million people in the world who have AIDS or are infected with HIV (human immunodeficiency virus). In seven African countries, one in five adults is infected with HIV. Birth control methods are therefore indispensable for controlling the further spread of HIV / AIDS, particularly in these countries. The population of these countries is projected to be 35% smaller by 2025 without HIV / AIDS. It will further reduce total life expectancy by an average of 29 years in these countries.
History of birth control
200 AD, the Greek gynecologist Sorano said that women become fertile during ovulation. He suggested some contraceptive tips for women to avoid unwanted pregnancies, such as smearing olive oil, pomegranate pulp, ginger or to***co juice around the va**na to kill s***m, drinking water which the blacksmith uses to cool hot metals and blow 7 times back after in*******se. Many contraceptive methods, such as Ayurvedic treatments, were used centuries ago (in addition to sexual abstinence). However, there are some historical records of Egyptian women using certain herbal or acidic substances such as crocodile dung or lubricants such as honey or household olive oil as a va**nal suppository, which may have been found effective in killing s***m.
However, commercial use of the contraceptive method began in 1960 in the form of the contraceptive pill. It was 1950 when the Planned Parenthood Federation of America invited biologist Dr. Gregory Pincus to develop an oral contraceptive pill that was harmless, universally acceptable and safe for husband and wife. After undergoing extensive testing with more than 6,000 women in Puerto Rico and Haiti, it was in 1960 that the first commercially produced birth control pill called Enovid-10 was introduced to women in the United States. This first oral contraceptive was made with two hormones estrogen (100 to 175 micrograms) and progestin (10 mg). They have been shown to be 99% effective when taken as directed. It is estimated that more than 18 million women in the United States are dependent on birth control pills.

Types of birth control pills
Unlike oral contraceptive pills from decades ago (which had higher amounts of hormones), today's birth control pills are in low-dose forms with health benefits. Therefore, women can take birth control pills with far fewer health risks.
There are generally three types of birth control pills available.
one. Progestogen-only pills (POPs) Also known as a mini-pill which does not contain estrogen. It is recommended for women who are breastfeeding because estrogen reduces milk production. This POP pill works by thickening the cervical mucus and thus preventing s***m from entering the uterus.

1) Combined contraceptive pills
The popular birth control pills have a combination of two hormones, progestin and estrogen. These types of oral contraceptive pills come in a pack of 21 active pills and 7 placebos, which do not contain hormones. In fact, they are known as reminder pills.

These combination pills are divided into three types of pills due to the level of two hormones, progestin and estrogen.
2) monophasic contraceptive pills
Here, each active pill contains the same amount of progestin and estrogen. The other seven pills are placebos and have no hormones. Menstruation begins when taking these placebo pills
4) Multiphase contraceptive pills
They are also known as biphasic or triphasic oral contraceptive pills due to the different levels of hormones in the active pills. These pills need to be taken at a specific time during the pill schedule. Multi-stage birth control pills help offset the risks of oral contraceptives.
5) Continuous contraceptive pills
It is also known as 365 day pills which are taken continuously throughout the year without the year. This is the new entry for oral contraceptive pills in the contraceptive market. The Food and Drug Administration (FDA) has approved Lybrel, which is the only continuous contraceptive pill approved so far and available for general use by women. Women do not have a menstrual period while taking Lybrel, however they may experience bleeding or spotting, particularly in the initial phase. 3) Emergency contraceptive pills
Also known as morning after pills, they are designed for immediate pregnancy protection after unprotected in*******se. It is highly recommended to take the emergency pills within 48 hours and a maximum of 72 hours to be effective in preventing pregnancy. These are different from the usual oral contraceptive pills, in that you plan your contraceptive method well in advance. Rescue pills are also taken when women are sexually assaulted. The FDA has approved Plan B as the safest emergency pills. Due to the FDA approval of the OTC (without a prescription) for women over the age of 18, Plan B can now be ordered behind the pharmacy counter.

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