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International health insurance premiums saw an inflation rate of 9.2% in 2016 – the exact same percentage as 2015, and a marked increase from the 2014 inflation rate of 7.1%. So, why do health insurance premiums keep going up every year? To answer this question, global insurance broker Pacific Prime launched an in-depth report investigating the key factors influencing international private medical insurance (IPMI) inflation.

Titled: International Private Medical Insurance Inflation – 2017, the study reveals both longstanding and emerging drivers of health insurance prices in 2016-17 and beyond.

Longstanding drivers of health insurance inflation

According to Pacific Prime, one of the most significant forces behind IPMI inflation is the rising cost of medical care, which is primarily driven by the following factors:

  1. New medical technology: The healthcare sector ranks among the top in terms of demand for new medical technology, the costs of which can be sky high. For example, a new CT scanner costs up to USD 2.5 million.
  2. An imbalance of health care resources: All the countries included in Pacific Prime’s report are experiencing a common trend: an aging population, and a steady rise in the number of high net worth individuals utilizing private health care. Combine this with a shortage of medical facilities, and it is easy to see why medical care costs are increasing.
  3. Increased compensation for healthcare professionals: Doctors are one of the highest paid skilled professionals. For instance, the average salary of a primary care doctor in the United States is USD 200,000, and these salaries are expected to keep increasing. The main explanation behind this is because education and licensing costs are rising, leaving doctors and other medical staff with significant liabilities to be paid through rising salaries; shifting costs onto those seeking treatment.
  4. Healthcare overutilization: Pacific Prime has identified a trend towards the overutilization of available medical treatments. One explanation for this is the increase in the number of countries with mandatory health insurance and state-provided health care.

While the above factors will continue to make up a large part of the explanation behind why health insurance premiums are rising, the report also addresses 3 new drivers that Pacific Prime believes will have an impact on premiums throughout 2017 and beyond.

3 New trends influencing health insurance prices in 2017

In addition to the above long-standing drivers, Pacific Prime found three newly emerged drivers of health insurance inflation:

Global economic uncertainty
In many ways, tough global economic conditions affect international health insurance inflation through flow-on effects; British expats being paid in pounds are now finding themselves worse off following Brexit, and an increasing number of countries are choosing to hire locals instead of foreign workers as their GDP slows.

Changing population dynamics
2016 has seen significant changes in expat populations, traditionally the target market for international health insurance products. For example, British, American, and Australian expat numbers have dwindled significantly in Hong Kong, by 10.64% in the last half of 2015 and throughout 2016. At the same time, many countries are seeing the number of high net worth individuals demanding international health insurance products is growing, thus explaining why IPMI inflation held steady.

Increasing availability of technology
Tech trends, such as online portals, mobile apps, and the use of big data, are things to look out for in the future in terms of what influences your premium prices. Service standards, healthcare costs, and claim habits are seeing insurers utilize the power of big data to combat unprofitable underwriting. This may be a factor that will help act negatively on premium inflation or help hold premium increases at a steady pace.

Get the report for free today
To learn more about the key insights generated from Pacific Prime’s report, click here to download the full PDF version. Alternatively, click here to view the interactive web version of the report.

About Pacific Prime
Pacific Prime – a global health insurance intermediary that leverages its close relationships with over 60 leading insurance providers to offer the best value insurance solutions to individuals and corporate clients. Contact their team of experts today for impartial advice, and a free quote.


We all know about Sunder Pichai. He is the CEO of biggest search engine Google. However, our knowledge about Sunder Pichai is just confined up to his professional life; we don’t know anything about Sunder Pichai personal life. Hence, today, we are going to tell you the love story of Google CEO Sunder Pichai.

The chocolate is one of the sweet, and in the world, everyone loves this very much. The chocolate is the brown food, and it made of the cacao seeds. What is chocolate? The name of the chocolate is derived from the cacao seeds, and the botanical name of the tree is Theobroma cacao. The chocolate is loaded with the antioxidant property that is essential for every human. In the market, there are Types of chocolates available such as single bean chocolate, white chocolate, unsweetened chocolate, ground chocolate, dark chocolate, butter chocolate and much more.

Health benefit of chocolate

What is chocolates? The chocolate is one of the products of the largest refining process, and the process starts with the fruit of the cacao. The refining process of the chocolate is determined by the amount of the chocolate liquor and cocoa butter, sugar and other ingredients. There are a lot of the health benefits of the chocolates such as protect from diseases, prevent cancer, and improve heart health and others. Here we offer various health benefits of eating chocolate.

Improve the heart health

One of the main advantages of eating chocolate improves the heart health. In the dark chocolate, you can find the flavonoids that help to make the blood platelets less sticky. The presence of the flavonoids helps to reduce the risk of stroke, blood clots, and others.

Skin health

Some of the people overeat of the chocolate bars. The chocolate is good for skin, and it is high in the flavonoids content. The presence of the flavonoids content in the chocolate helps to protect the skin problems from sun ultra violet rays that are proven according to the German scientists.

Free radicals
The chocolate is rich in antioxidants like vitamins, photochemical, minerals, and others. It helps to fight against the toxins and protect the body from the radical damage. One of the impressive attributes of the chocolate is stronger antioxidant content. The chocolate loaded with the highest flavonoids and polyphenols content when compared to the tea and wine.

Improve blood flow
The dark chocolate packed with the flavonols that can simulate arteries and endothelium to produce the nitric oxide. Some Types of chocolates comes under the dark chocolate category such as semi sweet chocolate, bittersweet chocolate, and others. In this kind of the chocolate, milk solids are not added. You can intake chocolate once in two weeks because it helps to improve the lower blood pressure and blood flow.

Boost brain function

The chocolate can improve the blood flow to the brain. The cocoa consist lot of the substance like theobromine, caffeine, and others that may be the reason the chocolate can boost the brain function.

The much-anticipated movie “Lucknow Central” is out and it is looking immensely intriguing & intense. Farhan Akhtar is seen playing the role of an aspiring singer who wants to become a Bhojpuri singer. However, due to some issue, he lands himself in trouble and becomes a prisoner in Lucknow Central Jail. The film trailer is gripping and promising. The movie has an ensemble cast including Dipak Dobriyal, Diana Penty, Gippy Grewal, Rajesh Sharma, Inaamulhaq, Uday Tikekar, Sukh Kunwar to name a few.

In 2017 several reports predicted the end of Qr codes much like HD-DVD or Myspace. However, half of the year 2017 has been passed, but QR codes are still being used abundantly all across the world, and there is no stopping for it. Recently, Snapchat introduced “snap codes” for users to share account information with friends.  There are other giant companies such as Instagram and Google investing their time & money in QR codes.  Thus, seeing the uprising demand of QR codes; this question might arise in your mind that why QR codes are still relevant in Today’s world and what makes it so valuable. Thus, if you are also having questions regarding the importance of QR codes, then read these five reasons that entail why QR codes are still relevant.

Perfect Wedding Lehenga According to Your Body Shape

wedding lehnga

Every girl fantasies to get married lavishly since her childhood. It is rare to find a girl who has not dream about her wedding or not chalk out the strategy that what attire and jewelry she will don on her wedding day. The wedding is one of the most important days in any girls life. She wants to appear like a million dollars on this important day. Thus, if you are soon to get married and already started hearing wedding bells in your head, then, it is the time to roll up your sleeves and seriously work toward to accomplish your wedding dreams.

Also Read: 10 Steps To Do Wedding/Party Makeup At Home To Rock Any Wedding/Party

The role of your appearance becomes more important because now you will be judged by your friends whom you judged when they were getting married and pinpointed several flaws in their attire, ornaments, makeup, and whatnot. Thus, they will also scrutinize you from tip-to-toe and will not spare any chance to take revenge. Therefore, do not give them an opportunity to criticize your appearance. However, if you are perplexed and don’t know how to choose your wedding attire & makeup to cut a dash in your marriage, then, you can seek the assistance of image consultants. They will guide you how to choose your wedding attire or makeup to look like a princess on your wedding.

find the best wedding lehnga for brides

Mostly girls get confused while selecting bridal lehenga. Bridal lehenga is the most important attire of a girl life. She adds a new leaf to her journey in that dress.  Every girl wants her lehenga to be perfect and beautiful, however, what might on the paper not look great in reality.

To find the best lehenga for the wedding, you should consider your weight and body type. If you consider these points in your mind, then you will find a lehenga which will make you look like a dream.

Here are the important points that you must keep in mind while shopping for your wedding lehenga.

1. Identify Your Body Type:

Every girl has a different body shape. Thus, before heading to shop lehnga identify your body type whether it is pear-shaped or apple-shaped or anything else and then plans your lehenga according to that.

2. Check Out The Fabric:

Fabric plays a crucial role to make your lehenga look perfect for you. Thus, don’t turn your eyes off from this important aspect while purchasing wedding lehenga. There are an ample amount of choices in the market such as Net, Georgette, silk, raw silk, Kanchivaram. You should choose lehnga according to your body type and weight. Suppose, if you are thin, then, you should opt for fabrics like the net to get a curvy look. On the other hand, if you are curvy, then choose lightweight fabrics like georgette.

3. Pear-Shaped Brides:

Brides with a slim waistline and fuller hips are considered to be the pear-shaped body type. Brides with pear-shaped body have a sufficient number of varieties to find a perfect lehenga. Lehnga looks quite fascinating on a pear-shaped body. Pear-shaped brides should go for A-line lehenga to not add weight to their bottom. Girls with this body can wear deep neck to flaunt their collarbones.

pear shape brides

4. Petite brides:

We know that it is tough for you to find a perfect lehenga for you. You look gorgeous in western dress, however, in traditional dresses especially bridal lehenga can make you look weighed down. The first thing that you should keep in mind that avoid heavy motif and embroidery work as it will overshadow your figure. Despite this, go for something with clean cuts and shape, everything should be perfect.

5. Apple-Shape Bride:

Apple shape brides are those who carry more weight on their torso(or upper part of the body). Their problem areas are their waistline, bust, and shoulder. Therefore, these brides should opt for circular lehenga because it will give their body asymmetrical look. They should choose lehnga with heavy embroidery work instead of a heavy blouse.

apple shape brides

6. Curvy Shape Brides:

You should not worry too much because everything will suit you. However, you should keep few things in mind while choosing a bridal lehenga that will help you cut a dash in the wedding. Stay away from layering as it will make you look bulkier. Choose a skirt with A-line and deeper colors and single shade.

currvy shape body type

Thus, if you want to attract more eyeballs on your D-day, then, follow the above-given tips to choose the best wedding lehenga. However, don’t listen to other but follow your own heart because wedding occurs in once in a lifetime.

Ileana D’Cruz Hot Photos

Ileana D’Cruz born on 1 November 1986 in Goan Catholic family in Pune. She is a famous Indian film actress, first time appeared in Telugu Cinema. Now she is also famous in Bollywood Industry. She has won the Filmfare Award in South for the 2006 Telugu film Devadasu. Now you can see her in upcoming Indian period heist action thriller film Baadshaho. Watch her top 12 hot photos.

Ilean Dcruz Hot HD image

ileana pctures

Ileana DCruz

ileana dcruz hot photo

Ileana Dcruz Sexy from movie Happy Ending

Ileana DCruz super hot bikini Photo

Ileana DCruz Wallpapers

Sexy ileana

Illeana DCruz photoes

Ilean Dcruz bikini photos bathtub

Ilean Dcruz bikini

ileana dcruz super hot picture

Also Read: Ileana D’Cruz Turns Nude For Her Photographer Boyfriend Andrew Kneebone

Another bad news for Kapil Sharma show fan is that owing to bad health of Kapil Sharma for last few weeks which affected the show TRP and canceled the shoot several times. The Sony channel is now unsure that whether to extend his contract for the next year or not. Kapil Sharma fainted thrice on the sets of Kapil Sharma show which canceled show shoots many numbers of times and displeasure the Channel. Moreover, the show has been kicked out of top ten rating of this weekend released by BARC. The show which returned in the top ten after the return of Chandan Prabhakar and comedian Bharati is again in trouble.

Ever since the fight between famous comedian Sunil Grover and Kapil Sharma and he left the show with Ali Asgar and Sugandha Mishra; the TRP of the show is declining. And now his sister has come out to defend him saying that his brother is not unprofessional and never take his work lightly, but nowadays he is going through depression due to the poor performance of his show. Well! We will wish him good health and pray for him to recover soon.

nia sharma

Big Boss Season 11 is in the news for many reasons. Earlier news surfaced that Salman Khan won’t host this show and Akshay Kumar would replace him. Now as the next season is set to kick off soon and we all are excited to find out who will be big boss season 11 contestants? Then we have good news for you. The big boss season 11 will be full with some famous names of television and film industry and along with it alike the last season commoners too can participate in this show. According to some media reports, the list of contestants has been finalized. And we have got few names who are going to be seen in this controversial show.

The biggest surprise of this season is going to be Dhinchak Pooja who has created quite a hullabaloo with her cheesy songs. She is going to represent commoners in this season. It will be interesting to see that how she performs inside the house and will she continue to torture viewer with her discordant voice.
Apart from her, the famous television actress Nia Sharma is rumored to be the part of this show. Some other names which are being considered for the next season is Kuch Kuch Hota Hai’s child actor Sana Saeed, famous TV and theater actor Achint Kaur, Nagarjuna actor Pearl Puri and Saath Nibhana Saathiya actor Devoleena Bhattacharjee too are in talks and might be a part of 11th season of Bigg Boss.

The wedding is a precious and memorable moment in every one life. This will give the traditional and elegant look to the bride. It gives a natural look on a special day. The wedding saree gives perfect and wonderful garment to give a stunning look to the bride. Every bride makes their function in unique and grandeur. Most of them think that bridal makeup or jewelry is more important on a wedding. It also gives a smart look to groom. In older days, brides look more beautiful on the wedding while grooms are ignored. Now, both bride and groom look equal appearance on their marriage.

11 Tips for Interview

Today every person wants to work in a reputed and multinational company. After graduation or post graduation some people want to work in some companies and other want to join their family business. A large number of people migrate to big cities for earning income. Some get job easily but others have to do more struggle for getting jobs. They have to face many obstacles in their path.

During an interview, many candidates face a number of difficulties. They fear from attempting for an interview due to a number of reasons. In some situations, they don’t have proper knowledge and skills for clearing the interview. The main reason of failure in the interview is fear, lack of proper guidance, communication skills, hesitation etc.

Before attempting any interview everyone should have the proper preparation of interview. It includes many things like your attire, body language, communication skills, knowledge about the company, benefits of the company etc. We are listing 15 tips to crack any interview. Read these tips and change your life.

1. Attire

For attempting in any interview you should wear formal clothes according to requirement or culture of the company. Everything in your attire should be matching with each other like shoes, pant, shirt etc. The interviewer is already in a good position and would be wore branded clothes. If you also wear good looking clothes, then it will be a plus point for you. You can buy branded looking clothes at cheap price from different markets for an interview. I also recommend don’t waste much money on clothes for an interview.

2. Improve Communication Skills

Improve your communication skills it is very important to point to clear any interview. Learn about how to interact with people in the English language. If you face any difficulty for comm. skills then you should have to be prepared for it before any interview. You can join a short ESPD program for improving your Spoken English and personality. If you have good communication skills and fluency in speaking English in good manner then all the doors are open for you.

3. Plan to arrive on time in Interview

If you’re going to attempt interview then plan to arrive on time there. You must be there before 15-20 minutes. It will help you to be more prepared for the interview.

4. Wash your mouth and Face

You may have come from a long distance to interview place. Then there may be some smell in your mouth and nobody may feel happy to sit with you. So before the interview, you must wash your mouth and face. Your face should be fresh and happy. It will be a plus point for your interview.

5. Collect knowledge about Company

Before interview collect some knowledge about the company. It will also increase your chances of getting selected.

6. Greet the interviewer

Greet the interviewer with a smiling face when you enter in the cabin. A smiling face can change the mind of every person. So keep smiling and feel relax during the entire interview process.

7. Wait until you are offered a chair before sitting.

If you enter in interview cabin then wait before sitting until the interviewer offers you chair to sit. This will show your good manners and it also is a plus point for your interview.

8. Maintain eye contact

Maintain eye contact with your interviewer while answering to his questions. Don’t see around while speaking.

9. Don’t cross or fold your hands

Don’t cross or fold your hands in interview cabin. It shows a negative effect on the interviewer. And don’t move your hands unnecessarily. Use small movement of your hands if necessary while speaking with an interviewer.

10. Prepare for common interview questions.

Prepare for common interview questions from the Internet before any interview. Do practice in front of a mirror or with your friend or anyone. Practice makes man perfect.

11. Listen Carefully

Listen carefully to the interviewer a good listener can understand the proper question of the interviewer. Always remember that a good listener can be a good speaker. Avoid other sound or noise around the cabin only concentrate to your interviewer. Give proper examples where possible during the entire session.

These were the some most important tips for candidates before attempting in any interview. Follow these tips and you will see a big change in your personality. Your confidence level increases and finally you will get hired in a good company with a good salary package.

Also Read: How To Prepare For CLAT Exam 2017 In A Month.

Nowadays most people who use smartphones and they definitely use WhatsApp. It has become an easy and fast way of communication. People are WhatsApp in every sector for communicating with each other. Even some new offers are being offered on behalf of WhatsApp, which gives customers many facilities. Hackers and fraudsters are now targeting WhatsApp because of the use of WhatsApp by more and more people in the world.

People getting Fake Message on WhatsApp

These days, a message is coming to the people’s app, which states that one-year subscription is ending and if you want to enjoy these services further then you have to pay first. There is also a link in this message, which clicks on to open a payment page, which asks for bank details.

This message is not from WhatsApp

It is very important to know here that this message is not being sent on behalf of the WhatsApp. In this way, some hackers are trying to steal people’s bank accounts by using the payment page. Using this details, this hacker is in a hurry to fly money from the users’ accounts. It is being said that this message is coming to the people in the UK, but it may be that in the future time people of India will also receive similar messages. WhatsApp has also announced that it will take money from people after one year of free service, but in January 2016, WhatsApp has canceled its plan.

If you receive this type of message, don’t click on it. And delete this message as soon as possible.

dhinchak pooja

If you are a die -hard fan of Dhinchak Pooja, then, this news will come as a shock to you that Youtube has deleted all her videos except Dilon Ka Shooter. Dhichak Pooja 23-year-old girl has become an internet sensation in no time. She has been trolled on every social media channel for her singing. However, now people are a question that what led Youtube to take down all her videos from Youtube.

A person named Kathapa Singh had claimed copyright on all songs, and this is the main reason why the videos were taken off, according to TOI news. However, if you visit her profile page, it would still show 12 videos, but you can only play Dilon Ka Shooter.
According to Youtube video policies, you can get a video taken down if you are featured in it but without your consent. Well, as of now we don’t know who is Kathpa Singh, but as we will get any updates we will write about it. Till then, you can enjoy Dhinchak Pooja video Dilon Ka Shooter.

How do we generally rate a Restaurant? Probably the best reply would be, on its Services. But “The Restaurant Order Error” always makes mistake in serving its orders and with too a pleasant smile on the face. You give order and forget because no one knows what you will be served. One can heckle that they have the effrontery to make mistakes in order and then smile, but the reality is far more different as it looks. Actually, all the waitresses of “The Restaurant Order Error” are suffering from a disease called DEMENTIA.

Inspirational quotes has amazing ability to motivate some and it changes one’s way of thinking. It can be very effecting in transforming our life. A person who is very frustrated from his life can be a good achiever by following an inspirational quotes.

So what’s their secret behind it?

You can see, the way of your thinking about yourself changes after reading a inspirational quote. It increases positive energy in you. It increases your will power and it forces you to work hard in your life. A smile and polite words impact on all person in the same way a inspirational quotes becomes a turning point in one’s life. So this was the secret behind it.
Below i am listing 19 Inspirational quotes that really motivate you and you will see many changes by implementing these quotes in your life.

1. “The Way Get Started Is To Quit Talking And Begin Doing.” -Walt Disney

2. “Don’t Let Yesterday Take Up Too Much Of Today.” -Will Rogers

3. “If you can dream it, you can do it.” —Walt Disney

4. “Do not wait; the time will never be ‘just right.’ Start where you stand, and work with whatever tools you may have at your command, and better tools will be found as you go along.” —George Herbert

5. “You Learn More From Failure Than From Success. Don’t Let It Stop You. Failure Builds Character.”- Unknown

6. “Press forward. Do not stop, do not linger in your journey, but strive for the mark set before you.” —George Whitefield

7. “The future belongs to those who believe in the beauty of their dreams.” —Eleanor Roosevelt

8. “It’s Not Whether You Get Knocked Down, It’s Whether You Get Up.” – Inspirational Quote By Vince Lombardi

9. “Aim for the moon. If you miss, you may hit a star.” —W. Clement Stone

10. “People Who Are Crazy Enough To Think They Can Change The World, Are The Ones Who Do.”- Rob Siltanen

11. “Don’t watch the clock; do what it does. Keep going.” —Sam Levenson

12. “Hard work beats talent when talent doesn’t work hard.” —Tim Notke

13. “Every great story on the planet happened when someone decided not to give up, but kept going no matter what.” —Spryte Loriano

14. “There will be obstacles. There will be doubters. There will be mistakes. But with hard work, there are no limits.” —Michael Phelps

15. “We May Encounter Many Defeats But We Must Not Be Defeated.”- Maya Angelou

16. “Security Is Mostly A Superstition. Life Is Either A Daring Adventure Or Nothing.”- Helen Keller

17. “Keep your eyes on the stars, and your feet on the ground.” —Theodore Roosevelt

18. “To See What Is Right And Not Do It Is A Lack Of Courage.”- Confucious

19. “Reading Is To The Mind, As Exercise Is To The Body.”- Brian Tracy

Thanks for reading these inspirational quotes. If you really like this please share this to your friends, and if you have any suggestions write below in comments.