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 a Zero-Dep Car Insurance Policy Benefits You during Claims?
The value of a car gets reduced the moment you take it out of the showroom. Furthermore, this value will keep reducing overtime. This gradual reduction in the market value of a car is called Depreciation. Depreciation, basically, is a decrease in the value of an object with time. Which is why, after buying a car, its value starts decreasing.
The depreciation value is not directly associated with the car; it is associated with different non-durable materials like metal, plastic, glass, fiber, and others. Again, for every material, there is a different depreciation rate. Thus, estimating the rate of degradation of these materials reflects the overall depreciation of a car.
Depreciation value of a car is taken into consideration when you file an insurance claim. The insurer analyses the damage sustained by the car and accordingly determines a depreciation value. Even after best car insurance policy from a reputed insurance service provider, you will still have to face the depreciation factor during the claim.
What is Zero Depreciation Cover?
To avoid the issue of Depreciation, almost every car owner wisely prefers to avail a Zero Depreciation car insurance policy. A Zero Depreciation cover is simply an add-on cover which complements the basic car insurance policy. With this add-on cover, you don’t have to face any depreciation in your insurance coverage.
With Zero Depreciation car insurance policy, complete coverage against depreciation is offered to your car. Consequentially, the insurer won’t subtract the depreciation value while covering any claim amount. Zero Depreciation cover is also termed as Nil Depreciation.
Difference between an Insurance Cover Loaded with Zero Depreciation and a Normal Insurance Cover
Let’s take an example to understand the difference:
Normal Insurance Cover:
Suppose, the overall cost of damage associated with your car is Rs. 10,000 and you have filed an insurance claim against this amount. While processing the claim, the insurer will first determine the depreciation rate associated with the damaged parts and thereafter will calculate the payable claim sum. Let’s say that the insurer calculated the depreciation rate as 20%. Therefore, the amount offered to you as claim settlement will be Rs. 8000.
Zero Depreciation Cover:
With a Zero Depreciation car insurance policy, the depreciation value is not taken into consideration, hence, the insurer will offer the entire amount of Rs. 10,000.
Now, you need to determine whether or not you need a Zero depreciation rider with your car insurance policy. Using the table below, you can check for yourself if a Zero Depreciation cover is any better than the standard comprehensive insurance policy. Also, do keep in mind your insurance needs.
Benefits of having a Zero Depreciation CoverAs depreciation factor is not taken into consideration during claim settlement, the out-of-pocket expenses are greatly reduced.Enhances automobile insurance coverage and efficiently secures your prized possession.Factors to Consider before Buying a Zero Depreciation Cover
There are certain things which you need to consider while buying a Zero-Dep add-on cover.
Cost of Policy –As a Zero Depreciation cover offers complete coverage without considering any depreciation, it costs slightly more than a comprehensive insurance policy.Best-Suited for –The Zero Depreciation cover is only applicable to new cars of up to five years old. If your car is more than five years old, you should consult your insurer for a suitable course of action. For cars older than 5 years, Zero-Dep is offered but only from offline sources.Calculation of the Rate of Depreciation:
Now, on what basis does the insurer determine the depreciation rate? Insurance Regulatory and Development Authority of India has designed a specific rate-chart for determining the depreciation value.
For plastic, Nylon, and Rubber Parts – 50% depreciation is to be deducted.For Fiberglass Components – 30% depreciation is deducted.For wooden and Metallic Parts – Depreciation is subtracted as per the age of the car. For a 1st year – 5%, for 2nd year – 10% and so on.
Therefore, depending on the age of your car, the insurer calculates the depreciation value.
What is not Covered by Zero Depreciation Insurance?
Not all the repairing expenses are covered under Zero Depreciation coverage. There are certain things which are excluded. Mainly, the accessories that are not part of the standard product are the not included in the coverage. The insurers do not include batteries or tyres either.
Again, the mechanical breakdowns due to wear and tear are also not covered. Every insurance company has different terms and conditions. So, you must go through the policy fine print carefully to understand the exclusions of the coverage.
Is Zero Depreciation Cover worth it?
It’s true that Zero depreciation cover has its advantages. Though the cost associated with Zero depreciation policy is around 20% more than that of a standard comprehensive policy, it will still turns out to be a great investment.
Instead of paying a large amount out of your pocket, it’s better to pay a little more once in a while and forgetting about out-of-the-pocket repair costs. Zero Depreciation add-on cover will get you the full value of your vehicle when it is severely damaged or stolen. It’s a wise decision to invest in a Zero Depreciation add-on cover.
Premium for Zero Depreciation Policy
As you might know by now, you will have to pay a higher premium for a Zero Depreciation cover. This premium mainly depends on the Insured Declared Value (IDV) of the car. In fact, it is the most important factor.
IDV is the maximum amount that you can claim against total damage, loss or theft of your car. Thus, the more is the IDV, the more will be the premium towards a Zero Depreciation Add-on. In general, the premium for Zero Depreciation add-on is 10 -20% more than a standard comprehensive policy.
Factors Affecting the Zero-Dep Premiums
Apart from the IDV, there are some other internal factors that greatly affect the premium of this particular add-on cover.
Age of Car - Older the car, the more is the premium. Most insurers don’t offer Zero Depreciation cover for cars older than five years; some have even restricted it up to three years.Model of the Car -There are some car models which are not covered by a Nil Depreciation policy. Consult with your insurer/agent before buying this add-on cover.Location - If you live in an accident-prone area, the premium towards a Zero Depreciation policy will be higher.Who needs to Buy Zero Depreciation Add-On?
Zero Depreciation cover is highly recommended for new cars. But, there are some other cases where a Zero-Dep rider is indispensible:
People who have luxurious cars should buy a Zero Depreciation plan to avoid the high expenses associated with maintenance as the cost of spare parts and the rate of depreciation of such cars is higher.New drivers who are not well-acquainted with driving should go for Zero-Dep as their chances of meeting with an accident is higher.
To reduce the financial stress after accidents, zero depreciation cover is a must for new drivers.People who are living in accident-prone areas should also go for this add-on cover. With this add-on cover, they can easily cover their damages without any worries.If you worry about dents and bumps on your car and want to keep it in pristine condition, then you should buy a zero depreciation add-on.
By now, you must have realized the practical benefits of availing a zero depreciation add-on cover. Thus, check and compare online to grab the best deal on Zero Depreciation Rider. Also, do not forget to renew the Zero Depreciation add-on cover every year.
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