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Thursday 14 September 2023

sore throat effective Ayurvedic remedies

you have a sore throat, adopt these effective Ayurvedic  remedies




Take 15-20 ml of mango juice twice a day with a teaspoon of honey


Troubles like sore throat with the changing seasons. Sore throat is also caused by a change in eating habits. Eating deep fried food like pakoda, bhajiya often causes sore throat. Ayurvedic Dr. Diksha Bhavsar said that sore throat can be avoided by adopting some home remedies.


Sore throat also causes pain.

1. To rinse

Add 1 teaspoon of turmeric and half a teaspoon of salt to 250 to 300 ml of water and boil for 5 minutes. When warm, rinse with this water. You can rinse 3-4 times a day. This will relax your throat.


2. Jethi honey powder will also benefit

Mix honey in one teaspoon of jethi honey powder, lick it twice or put warm water in it and rinse. Do this rinse once a day.



Mango juice is beneficial for the throat.


3. Mango juice

Take 15-20 ml of mango juice twice a day with a teaspoon of honey.


4. Beneficial fenugreek seeds

Boil one teaspoon of fenugreek seeds in 250 ml of water for five minutes and strain it.


5. Cinnamon powder

Boil half a teaspoon of cinnamon powder in 250 ml of water for five minutes. When it is warm, mix honey and lemon in it and drink it.


Basil leaves are also beneficial in many ailments.

6. Basil leaves

Boil 4-5 basil leaves in water and strain it and drink it. You can also mix honey and ginger in it.


7. Black pepper is also beneficial

Dip turmeric and black pepper in warm milk and drink it before going to bed. This will get rid of the sore throat.


8. Lemon and honey

Mix half a teaspoon of lemon and honey in warm water. Drink it Drink warm water all day. It will also give relief to the throat.


અહીંથી વાંચો સંપુર્ણ ઉપચાર ગુજરાતીમા 

કાકડા સાથે સંકળાયેલ સમસ્યાઓ


All these home remedies will relieve sore throat. Sore throat is caused by changing seasons. It can also be cured with home remedies.

Ginger rich in antibacterial properties

Ginger has antibacterial properties, relieving sore throat and pain. Boil ginger in a cup of water. Then drink that water two to three times. Doing so will greatly relieve sore throat.

Garlic will get relief

Garlic is very beneficial for health. To relieve sore throat, keep a clove of garlic on both sides of the mouth and rotate slowly. The sore throat will be relieved as the garlic juice goes down the throat.

Salt water

When the throat is bad, the cells of the mucous membrane become swollen. Salt reduces this swelling, which is relieved. Apart from this, tea made from cloves, basil, ginger and pepper is also beneficial.


Drink cinnamon milk

Cinnamon cures sore throat. Heat the milk in a pan to make cinnamon milk, put a small piece of cinnamon wood in it and turn off the gas. Then mix honey in it and strain it. Sore throat and pain will be relieved.

Stay away from spicy dishes

Remember not to eat more spicy food when you have a sore throat. Avoid cold water and ice cream to control sore throat.

Tonsil conditions

Severe tonsillitis: Inflammation of the tonsils due to bacterial or viral infection. The tonsils may have a gray or white coating.

Recurrent chronic tonsillitis: This is a persistent tonsillitis infection. It is often caused by recurrent attacks of tonsillitis.

Blisters around the tonsils: Infection around the tonsils causes abscesses filled with pus. Which pushes the tonsils in the opposite direction. Such blisters need to be cleaned immediately.

Acute mononucleosis: usually caused by Epstein Barr virus. Infection with this virus can cause severe swelling of the tonsils, fever, sore throat, sore throat and fatigue.

Strap throat: Caused by a bacterium called Streptococcus. Infections of these bacteria cause fever in the tonsils and throat. There is pain in the neck and inflammation in the throat.

Enlarged tonsils (hypertrophic): Large tonsils reduce air space, which can lead to snoring or shortness of breath.

Tonsillitis (tonsillitis): Tonsillitis or tonsillitis occurs when the debris of the dead cells on the tonsils hardens.


Tonsil test

Throat rubbing test: The doctor rubs Rs. On the tonsils and throat and sends it for testing. This is usually done to find out the probability of infection with a bacterium called Streptococcus.

Mono spot test: This test tests the blood to find certain antibodies. This test confirms whether the patient's visible symptoms are due to mononucleosis.

Epstein-Barr virus antibodies: Mononucleosis can be diagnosed from Epstein-Barr virus antibodies if the mono spot test is negative.


Tonsil treatment

Antibiotics: If tonsillitis is caused by a bacterial infection, it can be treated with antibiotics.

Abscess Drainage: The abscess around the tonsils is usually removed with the help of a needle and the infection inside it needs time to heal. If the tonsils are frequently infected or if they are large in size, surgery is needed to remove them

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લીમડાનાં પાન ખાવાથી ડાયાબિટીસ રહે છે કંટ્રોલમાં:કાળી મરી સાથે તુલસી-બીલા ખાવાથી પણ થાય છે ફાયદો, અશ્વગંધા-મીઠા લીમડાનાં પાન પણ છે રામબાણ ઈલાજ

 

લીમડાનાં પાન ખાવાથી ડાયાબિટીસ રહે છે કંટ્રોલમાં:કાળી મરી સાથે તુલસી-બીલા ખાવાથી પણ થાય છે ફાયદો, અશ્વગંધા-મીઠા લીમડાનાં પાન પણ છે રામબાણ ઈલાજ


વિશ્વભરમાં લગભગ 42.2 કરોડ લોકો ડાયાબિટીસથી પીડિત છે. જે પૈકી મોટાભાગના લોકો ઓછી અને મધ્યમ આવક ધરાવતા દેશોમાં રહે છે. ઉપરાંત દર વર્ષે 15 લાખ લોકો ડાયાબિટીસને કારણે મૃત્યુ પામે છે. આ આંકડો વર્લ્ડ હેલ્થ ઓર્ગેનાઈઝેશન (WHO)નો છે. છેલ્લા કેટલાક દાયકાઓમાં ડાયાબિટીસના કેસોની સંખ્યા અને વ્યાપ બંનેમાં સતત વધારો થયો છે.

યુવાનીમાં ડાયાબિટીસનું જોખમ
વર્લ્ડ હેલ્થ ઓર્ગેનાઈઝેશનના રિપોર્ટમાં કહેવામાં આવ્યું છે કે, 'ભારતમાં 18 વર્ષથી વધુ ઉંમરના 7.7 કરોડ લોકો ટાઈપ-2 ડાયાબિટીસથી પીડિત છે. જ્યારે, 25 લાખ લોકોને ડાયાબિટીસ હોવાની શંકા છે.'

બ્લડ સુગરને કંટ્રોલ કરવા માટે દવા અને ડૉક્ટર ઉપરાંત હેલ્ધી ડાયટ ખૂબ જ જરૂરી છે. પ્રકૃતિમાં આવાં ઘણાં લીલાં પાંદડાં છે, જેને ખાવાથી બ્લડ સુગરને કંટ્રોલ કરી શકાય છે.

અશ્વગંધા: પાંદડાનો અર્ક તરીકે ઉપયોગ કરી શકાય છે
અશ્વગંધાનાં પાન એ આયુર્વેદિક દવામાં વપરાતી સૌથી વધુ ઔષધિ છે. આયુર્વેદ નિષ્ણાતોનો દાવો છે કે 'અશ્વગંધા ડાયાબિટીસ માટે અત્યંત ફાયદાકારક છે. ખાસ કરીને ટાઇપ-2 ડાયાબિટીસ ધરાવતા લોકો માટે આ એક રામબાણ ઉપાય છે. તેનો ઉપયોગ મૂળ અને પાંદડાના અર્કના સ્વરૂપમાં કરી શકાય છે. અશ્વગંધા વધુ ઇન્સ્યુલિન હોર્મોનને રિલીઝ કરવામાં મદદ કરે છે અને સ્નાયુ કોષોમાં ઇન્સ્યુલિન સંવેદનશીલતા સુધારે છે, જે ડાયાબિટીસના દર્દીઓ માટે ખૂબ જ ફાયદાકારક છે.' બનારસ કાશી રસશાળાના વૈદ્ય શશિકાંત દીક્ષિત કહે છે કે 'અશ્વગંધા નર્વસ સિસ્ટમ અને મેટાબોલિઝમને સક્રિય કરે છે, જેના કારણે બ્લડ સુગર પણ કંટ્રોલમાં રહે છે.'

મીઠા લીમડાનાં પાન : ભરપૂર ફાઇબર હોવાને કારણે ઇન્સ્યુલિન એક્ટિવ કરે
દક્ષિણ ભારતીય રસોઈમાં મીઠા લીમડાનાં પાનનો વ્યાપક ઉપયોગ થાય છે. મીઠા લીમડાના પાનમાં ભરપૂર પ્રમાણમાં ફાઈબર હોય છે. તેમાં ફાઇબર હોવાને કારણે તે પાચન દર ઘટાડે છે, તેથી તે ઝડપથી મેટાબોલિઝ્મ કરતું નથી. તેના હાઇપો-ગ્લાયકેમિક ગુણધર્મોને લીધે તે ઇન્સ્યુલિનની પ્રવૃત્તિને વધારે છે. જેના કારણે બ્લડ સુગર કંટ્રોલમાં રહે છે. મીઠા લીમડાનાં પાનમાં રહેલી ફાઇબર સામગ્રી કાર્બોહાઇડ્રેટ્સને ગ્લુકોઝમાં તોડવાની પ્રક્રિયાને ધીમી કરે છે, જે બ્લડ સુગરને પણ કંટ્રોલમાં રાખે છે. ફાઈબર ઉપરાંત મીઠા લીમડાના પાનમાં પ્રોટીન, કેલ્શિયમ, ફોસ્ફરસ, આયર્ન, મલ્ટિ ​​​​ વિટામિન્સ અને ફ્લેવોનોઈડ્સ પણ હોય છે.


App tracks your blood glucose, weight, blood pressure and A1C.


Blood sugar levels and concentration of glucose in the blood are usually measured in mg/dL and mmol/L.


Controlling blood sugar levels is critical to maintaining a healthy lifestyle for individuals with diabetes. Diabetes Diary - Blood Glucose Tracker makes it easy to track glucose readings.


Blood Sugar: is very useful for who often checks their blood sugar / glucose levels and offers an easy way of logging your blood sugar readings in one place and track it.

Blood Pressure : Blood pressure (BP) is the pressure of circulating blood on the walls of blood vessels. Blood pressure is usually expressed in terms of the systolic pressure (maximum during one heart beat) over diastolic pressure (minimum in between two heart beats) 

Weight: Log your weight everyday.

A1C: The A1C test is a blood test that provides information about your average levels of blood glucose, also called blood sugar, over the past 3 months. (A1c or eAg)


App Features :

- Blood Glucose statistics for week, month and 3 months including all events. 

- Daily reminders get a notification at times you specify every day.

- All Statistics (averages per day, per week, per month, all time)

- Tags (useful to keep track of reactions to exercise, types of food, etc.)

- US Standard or International Standard units (mg/DL or mmol/L)

- Use and set different Blood glucose level units - mg/DL or mmol/L

- Settings for track on/off events throughout app

- PDF Reporting features

મેથીનાં પાન: ખાલી પેટમાં ગેસ બનતા અટકાવે છે અને ગ્લુકોઝ લેવલ જાળવી રાખે છે
મેથીનાં પાન પણ આયુર્વેદિક ગુણોથી ભરપૂર હોય છે, તેથી તેનું સેવન સ્વાસ્થ્ય માટે ખૂબ જ ફાયદાકારક માનવામાં આવે છે. જો તમે તેના પાંદડા અથવા બીજનું સેવન કરો છો, તો તે બ્લડ સુગર લેવલને ઘટાડવામાં ઘણી હદ સુધી મદદ કરે છે. તે ગ્લુકોઝ ટોલરેંસમાં પણ મદદ કરે છે. અભ્યાસમાં જાણવા મળ્યું છે કે, મેથીમાં કેટલાક એન્ટિ-ડાયાબિટીક ગુણધર્મો છે, જેમ કે ઇન્સ્યુલિનની સંવેદનશીલતામાં સુધારો કરવો, ખાલી પેટ પર ગેસની રચના અટકાવવી અને લોહીમાં ગ્લુકોઝને ભળવાથી રોકે છે.

લીમડાનાં પાન : કડવાશમાં આરોગ્યની મીઠાશ હોય છે
લીમડાનાં પાન ભલે કડવા હોય પરંતુ તે સ્વાસ્થ્ય માટે મીઠાશ ભરેલાં છે. તેના પાનથી લઈને મૂળ સુધી તેનો ઉપયોગ સ્વસ્થ ઔષધિઓમાં થાય છે. લીમડાનાં પાનનો ઉપયોગ બળતરા, ચામડીના રોગો, દાંતની સમસ્યાઓ, તાવ સહિત અનેક વિવિધ રોગોવાળા દર્દીઓની સારવાર માટે થાય છે. લીમડાનાં પાનનું નિયમિત સેવન કરવાથી તમારા બ્લડ સુગરનું પ્રમાણ ઘટી શકે છે. તે બ્લડ પ્રેશર, હાયપરટેન્શન અને ઉચ્ચ કોલેસ્ટ્રોલ લેવલવાળા લોકો માટે પણ સારું છે.

ઈન્ડિયન જર્નલ ઓફ ફિઝિયોલોજી એન્ડ ફાર્માકોલોજીમાં પ્રકાશિત થયેલા એક અભ્યાસ મુજબ લીમડો બ્લડ સુગરના લેવલને ઘટાડવામાં મદદ કરી શકે છે. લીમડો રક્તશુદ્ધિકરે છે અને તેમાં વિટામિન બી, એ અને સી જેવા આવશ્યક પોષક તત્ત્વો હોય છે. તેમાં કેલ્શિયમ, આયર્ન અને ફ્લેવોનોઈડ્સ પણ ભરપૂર માત્રામાં હોય છે.

કેરીનાં પાનઃ ફળ ખાવા સ્વાસ્થ્ય માટે સારું નથી, પાંદડા ફાયદાકારક છે
સામાન્ય ફળ તરીકે કેરી ડાયાબિટીસના દર્દીઓ માટે હિતાવહ માનવામા આવતી નથી. પરંતુ તેના પાન તેમના માટે ફાયદાકારક છે. કેરીના પાનમાં પેક્ટીન, વિટામિન-સી અને ફાઈબર ભરપૂર માત્રામાં મળી આવે છે. જે હાઈ બ્લડ શુગર તેમજ હાઈ કોલેસ્ટ્રોલ ધરાવતા લોકોને ફાયદો કરે છે. ટ્રાઇગ્લિસરાઇડ, શરીરમાં જોવા મળતી સૌથી સામાન્ય ચરબીનો પ્રકાર, ટાઇપ-2 ડાયાબિટીસ સાથે સંકળાયેલ છે. આ કારણે આંબાના પાંદડાના અર્કનો ઉપયોગ ટ્રાઇગ્લિસેરાઇડ અને બ્લડ સુગરના સ્તરને ઘટાડવા માટે કરી શકાય છે.

લીમડો, બીલા, તુલસીની થાય છે અસર
શશિકાંત દીક્ષિત કહે છે કે 'લીમડો, તુલસી અને બીલાના પાનને કાળા મરી સાથે પીસીને પીવાથી આરામ મળે છે. તેમજ મેથીના દાણાને શેકીને તેનો પાવડર બનાવી લો. સવાર-સાંજ એક-એક ચમચી લેવાથી ફાયદો થાય છે. જો કે, આ બધી વસ્તુઓ ડાયાબિટીસને મટાડી શકતી નથી, પરંતુ તે ચોક્કસપણે ડાયાબિટીસની માત્રા ઘટાડે છે. ડાયાબિટીસના દર્દી માટે આહાર સૌથી મહત્વપૂર્ણ છે. આ બધાની પરેજી પાળવાથી ઇન્સ્યુલિન પર આધાર રાખવાની જરૂર રહેતી નથી

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Monday 11 September 2023

Audi A3 Reviews 2023 Launch Date & Price, Features, Top Speed

 Audi A3 Reviews 2023 Launch Date & Price, Features, Top Speed

Audi A3 Reviews- Despite being the smallest sedan from the German brand, the A3 does not compromise on luxury or driving pleasure for its buyers. It is built on the same platform as the Volkswagen Golf, which ensures lively acceleration, spirited handling, and exceptional build quality. The A3 takes design cues from other models in the Audi portfolio, including the distinctive trapezoidal grille that is a signature feature across the lineup.

The A3’s cabin is greatly influenced by technology, featuring an optional digital gauge cluster and a motorized pop-up infotainment screen. However, the A3 is starting to appear outdated compared to its more contemporary competitors like the Mercedes-Benz A-class, which offer more modern designs and features. We anticipate that the 2020 model year will mark the end of this particular generation of the A3.

Audi A3 Reviews 2023

A3 models with front-wheel drive have been renamed as Sport, while the Quattro all-wheel-drive models are now called S Line. Both versions are equipped with a turbocharged 2.0-liter four-cylinder engine. The Sport models produce 184 horsepower, whereas the S Line models generate 228 horsepower. The Premium models now include various upgrades such as 18-inch wheels, a driver-selectable driving-mode system, keyless entry with push-button start, ambient interior lighting, a color driver-information screen between the gauges, new aluminum trim, and black exterior trim.

Opting for the Premium Plus model brings additional features like a Bang & Olufsen audio system, automatic high-beam headlamps, rear-seat USB charging ports, and an interior storage package. Audi has also introduced the Final Edition package for this generation A3, which suggests that it is approaching its end. This package includes leather sport bucket seats, puddle lights that project the Audi logo on the ground outside the front doors when they are opened, and a flat-bottomed steering wheel with shift paddles.

Audi A3 Reviews 2023 Overviews

Article Name Audi A3 Reviews 2023 Launch Date & Price, Features, Top Speed

Audi A3 Launch Date Dec 2023

Audi A3 Price Rs. 29.21 – 32.22 Lakh

Top Speed 250 km/h

Category Automobile

Official Website Check Here

Design

The outer architecture of the new Audi A3 vehicle will be skillfully sculpted and cleverly curved, allowing it to capture light in a way that optimizes its design. The overall shape of the Audi A3 is specifically crafted to enhance aerodynamics and contribute to its performance. For the display, the Audi A3 will feature a 10.1-inch touchscreen as the sole interface, a feature that many critics prefer over the multi-screen system found in current Audi models.

The infotainment system will incorporate physical push buttons and knobs. Additionally, the Audi A3 includes various luxurious features such as tri-zone climate control, heated leather seats, an eight-way power-adjustable driver’s seat, and a sunroof. Safety features include lane departure warning with steering assist and forward collision warning with automated emergency braking.

Exterior

The A3 sedan has undergone a transformation, adopting Audi’s fresh design language, resulting in a significantly more appealing appearance. Not only is it now longer, wider, and taller than its predecessor, but the roof line has also taken on a coupe-like quality. Despite these changes, the wheelbase remains unaltered.

Moving to the front of the vehicle, Audi’s latest headlamp design is showcased alongside a single-mesh honeycomb grille, which was first introduced in the Q8 model. These innovative headlamps comprise of a pixel array made up of 15 LED segments. When viewed from the side, the three-box design features distinct and well-defined creases that run along its length. At the rear, we can observe elements reminiscent of the downsized A6 aesthetics, including a similar taillamp design, a well-defined boot, and a clean bumper design. Remarkably, the boot size has remained unchanged from its previous iteration.



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Interior

The cabin of the new A3 sedan has been completely redesigned and now includes Audi’s latest Virtual Cockpit and a heads-up display. The MMI touchscreen, measuring 10.25 inches, showcases the newest MMI user interface. Additionally, the compact sedan is equipped with all of Audi’s available connectivity features.

Notably, the steering wheel has been updated, the air-vents have been repositioned, and the centre console is now connected to the dashboard in a similar fashion to sports cars. To enhance functionality and aesthetics, the gear lever has been replaced with a small joystick borrowed from the Mk8 Golf. Overall, the cabin of the new A3 sedan exudes a more luxurious and high-end feel compared to its predecessor.

Performance

The new A3 sedan offers two options for its powertrain: two TFSI petrol engines and one TDI diesel engine. However, in India, we are likely to receive the petrol version only. The most probable choice would be the 1.5-litre TFSI motor with a mild-hybrid system and an output of 150bhp. This engine is coupled with a seven-speed DCT transmission and can regenerate over 16bhp through regenerative braking. The German carmaker claims that this setup provides a 10 percent improvement in fuel consumption and reduces CO2 emissions.

Engine

The A3 is expected to come with a standard 2.0-liter turbo four-cylinder engine. This engine will be matched with a seven-speed dual-clutch automatic transmission, and front-wheel drive will be the default configuration, although customers can opt for Audi’s renowned Quattro all-wheel drive system. The A3 offers two variations of the turbocharged 2.0-liter four-cylinder engine, which can produce either 184 or 228 horsepower.

Both versions of the engine deliver a smooth and refined performance. In our testing, the more powerful variant propelled an all-wheel-drive A3 sedan from zero to 60 mph in just 5.5 seconds when it had a horsepower rating of 220. The steering is precise, the ride quality is composed, and customers can choose to equip their A3 with optional Quattro all-wheel drive for added confidence in all weather conditions.

Fuel Economy and Real-World MPG

The A3 Sport models that have front-wheel-drive are the most efficient in terms of fuel consumption, achieving ratings of 27 mpg in the city, 36 mpg on the highway, and 30 mpg combined. However, if you opt for all-wheel drive, these estimates drop to 22 mpg in the city, 30 mpg on the highway, and 25 mpg combined.

It is worth noting that these estimates might be on the conservative side. In fact, during our own test route covering 200 miles on the highway, an all-wheel-drive model achieved an impressive fuel economy of 34 mpg. In comparison, both the BMW 230i xDrive and the Mercedes-Benz A220 4Matic, which are two major rivals to the A3, delivered a slightly higher fuel economy of 35 mpg in the same test.

Interior, Comfort & Cargo

The A3’s interior is just as stylish and well-built as its larger Audi counterparts, but it lacks spaciousness for passengers, even when compared to other compact cars. Despite being smaller and older than the A4 and A6 sedans, the A3 doesn’t compromise on luxury inside its cabin. This lively sedan combines design elements from Audi’s sports cars, such as the TT and R8, with prominent round air vents on the dashboard and an optional digital gauge display.

The trunk of the A3 offers sufficient space – we managed to fit five carry-on suitcases in there – and the rear seats can be folded down to accommodate larger items. However, finding storage areas for smaller items throughout the cabin can be challenging, especially in the center console which lacks space.

Infotainment and Connectivity

The A3 showcases cutting-edge technology, with all models equipped with a 7.0-inch infotainment display that emerges from the dashboard when the car is activated. It can be controlled using a rotary knob on the center console and supports Apple CarPlay and Android Auto. Additionally, there is an optional 4G LTE-powered Wi-Fi hotspot available. The standard nine-speaker audio system should suffice for most users, but those who prioritize audio quality may prefer the optional 705-watt Bang & Olufsen system, which manages to fit 14 speakers into the compact interior of the A3.

Conclusion

The Audi A3 has received rave reviews from both critics and car enthusiasts alike. With its sleek design, powerful performance, and luxurious interior, the A3 is a standout in its class. Critics have praised its responsive handling, smooth ride, and impressive fuel efficiency. The interior of the A3 is equally impressive, with high-quality materials, advanced technology features, and comfortable seating for all passengers. Whether you’re looking for a sporty sedan or a practical daily driver, the Audi A3 delivers on all fronts. With its combination of style, performance, and comfort, it’s no wonder that the A3 continues to be a top choice in the luxury compact car segment.

Audi A3 Reviews FAQ’S

What is the expected launch date of Audi New A3?

  • Audi New A3 will be launching on Dec 2023.

What is the expected price of Audi New A3?

  • Audi New A3 price is expected to be in the range of Rs. 39.00 - 45.00 Lakh.

Does the Audi A3 2023 have a sunroof?

  • Audi A3 2023 does not have a sunroof.

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Top 10 Insurance Companies by the Metrics

There are a number of ways to rank the size of insurance companies. Companies can be measured by their market capitalization (the value of the company on a stock exchange) or by using sales figures, such as net premiums written in a year or how many policies were sold. Here, we examine the top 10 largest insurance companies by market cap, market share, and revenues.

KEY TAKEAWAYS

  1. Insurance companies are important players in the global financial economy, although they may not be as flashy as investment banks or hedge funds.
  2. Insurance companies come in many sizes and specialize in different policy lines, from health to life to property & casualty.
  3. Market capitalization, or market cap, is the value of a company's outstanding shares.
  4. Some insurance companies are mutually owned, in which the policyholders are the owners.
  5. When ranking insurance companies, it's important to categorize them according to their product line.

Largest Insurance Companies by Market Capitalization

Market capitalization, or market cap, is the total value of a company's stock, and it is calculated by multiplying the number of outstanding shares by the current share price. It is a quick way of determining the value of a company in the eyes of investors.

Companies with large market caps are generally established conservative investments. They likely experience steady growth and offer the least amount of risk. Mid-cap companies are also established but have high growth potential. Lastly, small-cap companies are often new companies with high growth potential. Investing in these companies poses the greatest risk because they are more vulnerable to economic downturns than the more established large and mid-cap companies.

Investors can buy shares of publicly-traded companies in the insurance industry. The largest non-health insurance companies by market capitalization on the world stock exchanges as of Q1 2022 are:

Publicly Traded Non-health Insurance Companies

Company Name Market Capitalization

Berkshire Hathaway (U.S.) $714 billion

Ping An Insurance (China) $141 billion

AIA Group (Hong Kong) $123 billion

China Life Insurance (China) $106 billion

Allianz (Germany) $89 billion

Cigna (US) $76 billion

Zurich Insurance (Switzerland) $67 billion

AXA (France) $65 billion

Humana (U.S.) $55 billion

Munich (Germany) $39 billion

Market cap data as of March 1, 2022. Source: Yahoo! Finance

Publicly Traded Health Insurance and Managed Health Care Companies

Company Name                                  Market Capitalization

United Healthcare (UNH) $448 billion

CVS (CVS) $136 billion

Anthem (ANTM) $109 billion

Cigna (CI) $76 billion

Humana (HUM) $55 billion

Centene Corporation (CNC) $48 billion

Molina Healthcare (MOH) $18 billion

Bright Health Group (BHG) $2 billion

MultiPlan Corporation (MPLN) $2 billion

Alignment Healthcare (ALHC) $1.6 billion

Market cap data as of March 1, 2022. Source: Yahoo! Finance

Not all insurance companies are publicly traded. In fact, many insurers are structured as mutual companies, where policyholders of participating policies are essentially partial owners of the company. The mutual company model for an insurance company dates back hundreds of years, and there are certain benefits conferred on policyholders that do not exist with publicly traded (stock company) insurers.

American Family Insurance is the largest mutual insurance company in the U.S.


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Largest Insurance Companies by Sales and Product Line

It is useful to differentiate between the type of insurance, or line, that is being considered when considering the largest insurance companies. Using sales data is helpful as some of the largest insurance companies in the United States are not publicly traded and therefore their market value is not easily ascertained.

Property & Casualty

Property and casualty insurers write policies covering property such as real estate, dwellings, cars, and other vehicles. They also write policies dealing with liabilities that may be incurred by accident or negligence related to those properties to defray the cost of lawsuits or medical damages resulting from such incidents.

The top U.S. property and casualty companies in 2020 by net premiums written (the amount of money that non-life policies can expect to receive over the life of the contract, less commissions and costs) are:

Company Net Premiums Written

State Farm Group $66.2 billion

Berkshire Hathaway (BRK.A) $46.4 billion 

Progressive Insurance Group (PGR) $41.7 billion 

Allstate Insurance Group (ALL) $39.2 billion 

Liberty Mutual $36.2 billion 

Travelers Group (TRV) $28.8 billion 

USAA Group $24.6 billion

Chubb (CB) $24.2 billion

Farmers Insurance Group $20.1 billion 

Nationwide $18.5 billion

Life Insurance Companies

Life Insurance companies promise to pay out a lump sum benefit upon the death of the insured. Although actuarial science has created mortality tables to accurately estimate the future liability of policies to be paid, having financial strength ensures that these companies can meet all of their obligations while still earning a profit.

Life Insurance companies in the U.S. can be ranked by direct premium written (the number of new policies written directly and not re-insured). For 2020:

 Company Total Direct Premium Market Share

New York Life Grp $11.7 billion 6.75%

Northwestern Mutual $11.3 billion 6.52% 

Metropolitan Group (MET) $10.5 billion 6.05%

Prudential of America (PRU) $10.1 billion 5.80%

Lincoln National $8.4 billion 4.83%

MassMutual $7.9 billion 4.57%

State Farm $5.0 billion 2.87%

Aegon (AEG) $4.9 billion 2.80%

John Hancock $4.7 billion 2.73%

Minnesota Mutual Grp $4.7 billion 2.70%

Health Insurance Companies

Health insurance companies provide policies to cover all or part of the policyholder's health and medical costs. Policies may be purchased individually or through an employer. Technically, the United States government is the largest health insurance provider in America through the Medicare program, Social Security, and Medicaid administered by individual states.

Based on the National Association of Insurance Commissioners (NAIC) 2020 report, the largest non-government sponsored U.S. health insurance companies measured by total direct premium collected were:

Company Total Direct Premium Market Share

UnitedHealth Group (UNH) $177 billion 14.1%

Kaiser $104 billion 8.3%

Anthem $77 billion 6.2%

Centene Corp. $75 billion 6.0%

Humana $74 billion 5.9%

CVS Healthcare (CVS) $69 billion 5.5%

CIGNA Health $32 billion 2.5%

Molina Healthcare $21 billion 1.7%

Independence Health $21 billion 1.6%

What Do the CEOs of the Largest Health Insurance Companies Make?

The following CEOs of the 6 largest health insurance companies make over $15 million annually:

  • Michael Neidorff of Centene earns $26.4 million
  • David Cordani of Cigna earns $19.1 million
  • David Wichmann of UnitedHealth Group earns $18.9 million
  • Joseph Zubretsky of Molina Healthcare earns $18 million
  • Bruce Broussard of Human earns $16.7 million
  • Gail Boudreaux of Anthem earns $15.5 million

Are the Large Insurance Companies Good Investments?

Investing in insurance companies can be a safe option for some investors. Insurance companies are founded to deal with risk, which can ultimately reduce the risks associated with investing in them. Health insurance, subject to rapid changes, has the potential for significant growth compared to other types of insurance companies.

Who Are the Largest Investors in Insurance Companies?

The largest investors in insurance companies are generally other institutions. For example, UnitedHealth Group (UNH) has 4,124 institutional owners, who hold more than one billion shares.

What Are the Largest Homeowners Insurance Companies in the U.S.?

The five largest homeowners insurance companies in the U.S. are State Farm, Allstate, USAA, Liberty Mutual, and Farmers.

Together, these companies hold more than 45% of the homeowners' insurance market share.

What Are the Largest Insurance Companies in Canada?

The five largest insurance companies in Canada are Manulife Financial Corporation, Great-West Lifeco, Desjardins, Sun Life Financial, and Fairfax Financial.

Manulife is Canada's largest insurance company, employing over 35,000 employees and serving more than 30 million customers.

The Bottom Line

Ranking the largest insurance companies can be done in a number of ways. Shares of publicly traded companies can be bought to help build a well-diversified investment portfolio that has exposure to the financial and healthcare sectors. Identifying which types of insurance a company primarily deals with helps determine which firms are competitors and which really are not. Looking at sales figures, or premiums collected in a year, one can also see how public companies stack up against privately held or mutual companies which make up a large segment of the industry.

Investopedia does not provide investment or financial advice. The information is presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal.

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Saturday 2 September 2023

Watch Shivmahapuran part 31 to 45 Online HD Video

 

Watch Shivmahapuran part 31 to 45 Online HD Video

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