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This text focuses on health, wellness and health insurance as a topic for its discussion. In looking into health and wellness, it is observed that the two terms mean more or less the same as a state that is free from illness or disease. Health or wellness is characterized in to parts which are the physical health and the psychological health.

The physical health is identified by outward appearance of individual on the basis of size and height. Big size is often correlated to bad health which is of obesity that makes one prone to hear attacks and other health risks. Psychological health on the other hand is linked to the cognitive abilities of an individual that can be measured using standardized instruments for intelligence quotient.

In maintaining health, a variety of techniques ranging from exercise, diet, hygiene and stress management are mentioned with the focus being on health insurance. Health insurance is an active rather than a proactive method of maintaining health. Due to the high costs of medical treatment, health insurance is proposed as the best method to combat health risks by fostering it in employee and government agencies programs.

Health is an important aspect of every living organism that enables it to function well in its environment. In the case of humans, health that is further correlated with wellness is a condition of completeness where the body of an individual person or his or her surroundings is not affected by disease.

According to the world health organization definition, it is not just a state where an individual does not exhibit symptoms of disease but exhibits physical, psychological and social wellness. (WHO, 2005)

Health insurance on the other hand is a hedge that has come to proactively help individual persons to get quick and good treatment to unprecedented situations where they may fall ill and they do not have the finances to pay for a good health care service.

Health and wellness

Health is categorized into two states, the psychological state of wellness and the physical state. The psychological state of health is associated with cognitive abilities of an individual. This is measured using the intelligence quotient that is a factor developed from many standardized tests to measure intelligence. Persons with high intelligence quotients have often been identified to have lower morbidity and mortality rates, this implying that they have good health in a greater part of their lifetimes.

Those who have lower intelligence quotients have been shown to have poor health especially in the later parts of their lives. (UNESCO, 2006) Low intelligence quotient has been studied by many academicians and has been identified as a major cause to the deterioration of psychological health of such people later in their lifetime.

Psychological health problems such as dementia have been observed to arise due to low cognitive ability and diseases such as Alzheimer’s have become common in the population especially in the United States where it is ranked as the eighth deadliest disease. (U.S. Center for Health Statistics, 2005)

In terms of physical wellness, it is described as the condition of good body health where an individual exhibits an outward appearance that is an indicator of his or her well being. This is often measured in the form of body size or weight. In many cases, people who have an average body size are considered physically health.

This is because physical wellness is maintained by constant exercise of the body that enables the release of excessive fats that are stored in the body tissues that are harmful to the normal functioning of body organs, especially the heart. Many studies have been carried out to establish that too much fats embedded in the body of a person is a sign of physical illness.

Too much body fats makes the individual be prone to heart attacks as the fats narrow the capacity of blood vessels to transport blood to and from the heart. (Orkwell, Willard, 1996) Thus, physical health can be achieved by an individual if he or she eats a good diet that has minimal calories that are associated with body fats, enough sleep and regular work outs of the body.

In developed nations where the standards of living are high, people are able to buy foodstuffs at a reasonable price; hence they tend to eat a lot of foods that have high calorific content that makes them big in size, a condition that has been defined in the medical world as obesity. The big size comes as a result of accumulation of fats in the body which can only be reduced by watching their diet by eating more vegetables and low calorie in addition to exercising.

In maintaining wellness in individual persons, a variety of things have to be focused on to achieve this. One thing as already mentioned above is to eat a good diet.

A good diet refers to one that is balanced with all the essential alimentations or nutrients that are essential for the continuous development of the body. A balance in foods that contain proteins, carbohydrates, vitamins and roughages should be eaten as a definition of a good meal.

People should also engage in sports or other activities in form of exercises that make their bodies use a lot of energy which enables the removal of excessive body weight.

Again, high levels of hygiene should be maintained to avoid contraction of diseases that would harm the wellness or health of the person’s body. Also, stress management techniques should be applied in order to maintain health. Stress is known among other things to lower the immunity of an individual which can predispose one to illness.

Wellness can additionally be maintained by a good health care system. In developed nations, health care is good as hospitals and clinics have constant supply of essential drugs that can be administed to the patients who visit these places. However, in developing nations, health care is low as funds for buying and maintaining a continuous supply of drugs is limited. This makes morbidity and mortality rates to be high in these regions.

Lastly, maintenance of health can be achieved through work place health insurance programs. Insurance in an economic perspective is a hedge that is used to against a risk. Thus health insurance is a measure to protect individuals to medical costs in the event of illness or disease. (Glassy, Goldstein, 1997)  This last management tactic is the focus of this text as a control to ensuring health.

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