Purpose: Lapsation is the discontinuation of payment of premia for reasons other than the death of a policy holder. A majority of insurance companies notice that half of their policyholders do not pay their insurance premia regularly leading to an increase in lapsation of policies. Increase in lapsation not only affects the policyholders’ welfare but also insurance companies’ business growth. So, the present study was carried out to determine where lapsation rate is high and to offer solutions to reduce the rate of lapsation. Design/Methodology/Approach: The present study is descriptive in nature. A carefully constructed questionnaire was used to gather the study's pertinent data. Data were collected from life insurance company employees in Tamilnadu using the convenience sampling method. The questionnaire includes inquiries about different policy kinds, distribution methods, agent information, and different commission structures. Findings: Result of cross tabulation discloses that high rate of lapsation rate is noticed with term and endowment insurance policies both at LIC and private insurance companies. High rate of lapsation is noticed under insurance policies distributed by direct sale teams of insurance companies. Further, it is noticed that lapsation rate is high in Private insurance companies, where insurance agents receive low commission. Lapsation rate is low at Public and Private Insurance companies, where insurance agents receive high and moderate level of commission. Practical Implications: The result of the study will be immensely useful to policyholders in particular and insurance companies in general. Reduction in policy lapsation rate will assist policyholder to reap the benefit of availing insurance policies and aids life insurance companies to expand their business volume to a greater extent. Social Implications: Life insurance companies not only safeguard interest of policyholders but also invests their excess amount of premium in corporate securities, thereby assists not only growth of industries but also Indian economy as well. Lapsation of insurance policies may affect transfer of excess premium towards industry investment. Thus, the present study assist to understand the reason for lapsation of policies and to offer suitable suggestions to reduce rate of lapsation and assist not only growth of insurance companies but also economy too. Originality/Value: Questionnaire is employed for collecting first hand data. By contacting the life insurance company employees in person data required for the study has been gathered.
Introduction: Various treatment strategies have been proposed for pilonidal sinus, with surgical intervention being the mainstay of treatment. However, which surgical technique is better is still a matter of debate. In this study we want to compare the ap closure technique with the secondary healing. Method:This is a prospective case control study conducted at ESICMCH bihta, patna were 50 patient diagnosed with pilonidal sinus were divide into two groups, one with excision and other with excision with ap closure, and compared. Result:in our study the ap coverage group had lesser hospital stay, and faster recovery. However, excision only group had uneventful recovery with lesser complications. Conclusion: The excision with ap coverage heals faster, but excision with secondary intention appeared to have lesser complications.
Background: Appendicitis is inflammation of the appendix. Symptoms commonly include right lower abdominal pain, nausea, vomiting, and decreased appetite. However, approximately 40% of people do not have these typical symptoms. Severe complications of a ruptured appendix include widespread, painful inflammation of the inner lining of the abdominal wall and sepsis. The main objective is to compare C-reactive levels in diagnosis of acute appendicitis.Methods: In this study patients coming to General Surgery Department of ESIC Medical college, Rajajinagar, Bengaluru, from January 2017 to December 2017, who are diagnosed clinically as to have acute appendicitis form the source of study.Results: In the present study, maximum number of cases belongs to 21-30 year age group (22 cases) and male female ratio is 1.07:1. Most common site of pain being right iliac fossa (52 cases), vomiting as presenting complaint was seen in 51 cases, fever as a presenting complaint was present in 31 cases, Mc-Burneys point tenderness noted in 49 cases, rebound tenderness noted in 46 cases. In present series 53 patients had elevated serum CRP level (>2.5 mg/dl) which is 89% of total study group. In these patients only one patient had high serum CRP level in spite of normal appendix.Conclusions: An elevated serum CRP level supports the surgeon’s diagnosis and hence avoids chances of error in diagnosis, due to atypical presentations. Similarly a normal preoperative serum CRP level in patients with suspected acute appendicitis is most likely to be associated with a normal appendix on histo-pathological examination.
INTRODUCTION: Acute pancreatitis is one of the commonly encountered surgical conditions in the emergency department. Prognostication is done by various biochemical assays and scoring systems. Intra abdominal pressure (IAP) measurement has strong potential use as a prognostication and interventional marker. In this study we aim to determine the association between the intra abdominal pressures and the severity, morbidity, mortality and the prognosis of the patient. METHODS: This study is prospective observational study. 100 patients diagnosed with acute pancreatitis were observed from the day of admission and followed up to the day of discharge. Intra abdominal pressure to be measured by the intravesical method.. RESULTS : There was significant linear correlation between raised intra abdominal pressure (IAP) and duration of hospitalization. In groups of patients who suffered complications, IAP was noted to be significantly higher, compared to the group of patients with no complications. (p <0.0001)There was a significant correlation of the baseline IAP (IAP at admission) with the MCTSI (pearson correlation coefficient = 0.534), APACHE II score (Pearson correlation coefficient = 0.511). IAP also showed positive linear correlation with ranson score (Pearson correlation coefficient = 0.383) CONCLUSION: IAP measurement is cheap, easy, and minimally invasive modality. It can be easily measured in catheterized patients. It is faster and easier than the existing scoring modalities and can reliably predict hospital stay, complications, and the prognosis in acute pancreatitis.
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