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Examine the living being. It is a composite of matter and intelligence. The components of the body are from nature, external to the body.

Examine the living being. It is a composite of matter and intelligence. The components of the body are from nature, external to the body. They are the earth, water, fire, air, and space – the five elements which are universal. The mind is also from the five elements, but in a rarified form of the elements. The air we breathe is universal, the water we drink is universal and so are the others. 

 It is true of all living beings, from a mosquito to an elephant. What is in the individual, the microcosm, is what is in the aggregate, the macrocosm or vice versa. In the Vedas, there is a meditation named Purusha Suktam. It visualizes the whole universe as a living body. All the living beings collectively constitute the cosmic body. ‘All the heads of all the beings are the heads of that cosmic being, Purusha’, and ‘all the limbs of all beings are his limbs’, says the first line of the suktam. If one being is unfairly affected, it affects the cosmic being. If one aspect of nature is polluted by man, it is a hurt to the Purusha. (ads2)

 What should be human action? It should be in accordance with the cosmic scheme of inter-dependence of things told in the Upanishads and by Buddha. Working in accordance with cosmic order (we may name it God) is karma yoga. Let us contemplate it. 

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If I follow the civic values of cleanliness etc., I am doing karma yoga. If I realize that the air I breathe is a universal property and if I do not pollute air, or river waters, or earth, I am doing karma yoga. If I am not hurting an individual for my benefit, I am doing karma yoga. If, as a person in public office, I see a human being behind the file of papers and act with empathy, I am doing karma yoga. Vedanta says that we must surrender our body and limbs to the cosmic scheme. I should see my body-mind complex as the instrument of the divine scheme and constantly try to contribute to peace and harmony in society and in nature.

 Karma yoga means surrendering our actions to God. At the end of daily prayers we say, ‘this is an offering to the cosmic ruler (narayanayeti samarpayami)’. Our actions get automatically purified when tested at the altar of the cosmic scheme.

Health risks and needs vary depending on age, financial circumstances, gender, and work-life balance, among others.Health is the biggest asset we own. However, there’s always risk involved with matters related to health. Increasing hospitalisation and medical costs mean that families have to sometimes dip into their life’s savings to meet those expenses. Hence, it is important to have adequate health insurance to cover such costs.

5 Things to Keep in Mind Before Renewing Health Insurance.

However, health insurance needs to be renewed every year. Here are the things you need to keep in mind before renewing your health insurance policy.

Stick to the renewal date

In health insurance, on-time renewal is critically important because every policy has some exclusions for one-three years. In some cases, for any pre-existing illnesses, there are exclusions for four years. Simply put, certain conditions are not covered for the number of years they are excluded from the cover.

“In order for these exclusions to go away, the policy needs to be continuously active. If there is a delay in renewal, this continuity may be lost and the exclusions will again be applied for a new policy,” says Chenthil Iyer, founder, and chief strategist, Horus Financial Consultants.

Analyse health risks and needs

Health risks and needs vary depending on age, financial circumstances, gender, and work-life balance, among others. One needs to carefully assess and analyse the risks involved before opting for health insurance.

When renewing a policy, any change in health conditions must be reported to the insurer to avoid trouble later when you need to make a claim.

Relook at the policy sub-limits

In the post-pandemic era, it is recommended that you relook at your policy to check the sub-limits applicable.

If your policy has a sub-limit of Rs 5,000 or Rs 10,000 as per your sum insured for room rent per day, you can claim only that much towards room rent. Moreover, usually, the cost of other treatments and procedures in the hospital depends on the room rent paid.