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Benefits to Humanity | Benefits of Honey | Benefits of Garlic | Benefits of Fruits | Booming Construction Industry in Saudi Arabia | Safety First - Insurance of Construction Projects | Time to understand Muslims | Umra and the Ugly virus H1N1 | First Saudi Insurance Symposium on 22, 23/02/2011- Riyadh, Kingdom of Saudi Arabia - Professional Insurance Education | Bubbling Controversy | Fire Prevention | Communal Riots | Swine Flu Dilemma Planet of Insurance | 3rd - Saudi Insurance Summit set to begin Today - 17-05-2009 | Insurance in Saudi Arabia and booming Saudi Arabian, GCC Insurance Markets | List of Insurance Companies in Saudi Arabia | Insurance of Construction and Erection | Excess and or Deductible | Insurance Industry | Medical Malpractice Insurance | Type of Insurance Policies available in the Planet (Kingdom of Saudi Arabia. India and world over.) | Insurance Co-ordinator Job Description All Press Releases | Press Release - media release, press statement, news release | Inauguration | Shri Ahamed Calls for Adaptation of Modern Signal & Telecom System on Indian Railways | India - Japan | India - Japan Friendly relations | Prime Minister's Address to the Nation | ECI holds First Consultation with Civil Society Organisations on Inclusive Voting and Electoral Participation | Civil Aviation Minister Shri Ajit Singh says Air Connectivity to Remote areas is high on his Priorities | Finance Minister approves the Operational Features of the Rajiv Gandhi Equity Savings Scheme (RGESS) | Joint Statement of the 7th Round of talks on Commercial and Economic Co-Operation between Commerce Secretaries of India and Pakistan | Dr. Manmohan Singh to inaugurate the International Academic Conference being organized by the Indian Law Institute

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Creative Associates | Trainee Surveyors enrollment list April 2012 to September 15, 2012 (For full version visit IRDA site) | SOME OF THE LOTTERIES AND OFFERS – IS THIS FRAUD OR PHISHING OR SOMETHING ELSE - Part 1 | List, of, Insurance, and, Reinsurance, Companies, and, Services, Providers, 12/08/1432, H –, 13/07/2011, | MPHIL/PHD Entrance Exam Jan-2013 Cycle - IGNOU | Time to understand Muslims | Site Map | Saher Traffic Violations | Government Universities in KSA | Motor Insurance Photograph | Blog-posts | First Saudi Insurance Symposium | Speakers | Agenda | List of Insurance and Reinsurance Companies | Islamic Banking | Insurance Industry | Medical Insurance | Callous Attitude | Global Warming | Fire Safety | Technical Insurance and Types | Saudi Arabian Monetary Agency Release | 3rd Saudi Insurance Summit | 3rd Saudi Insurance Summit | Questions on Career | Insurance Co-ordinator role | Insurance types in Saudi Arabia | Interview with Insurance expert | SAMA licences Saudi Re | ARIG - 2nd Quarter performance | Questions on Medical Insurance | Viewers Response | Medical Insurance in Saudi Arabia | Saudi Arabian Insurance Brief March-23 | Saudi Arabian Insurance Brief March | AON opens new middle east HQ | ARIG - posts net profit | Saudi Arabia licences MARSH | Royal and SunAlliance changes its name | Employment Opportunities | Regulation of Insurance | Property Damage | Master Information | Pre existing is key to Medical Insurance | Does Medical Insurance cover Traffic accident | Manpower Recruitment | Insurance Industry expertise Jobs | Medical Insurance in Saudi Arabia | Summary of Indian Union General Budget | Motor Insurance in Saudi Arabia | Insurance of Construction and Erection | Impending IPO's | Insurance Directory | Insurance providers in Saudi Arabia | Banks in Saudi Arabia | Insurance in Saudi Arabia | Booming GCC Insurance Market | Insurance Q & A | Medical Insurance | Eroding Income of Expat Indians | Insurance Database | Professional Insurance education | CCHI wording | Indian Insurance update | List of some of Medical facilities

Tuesday 25 September 2012

Health Benefits of Exercise – Health is Wealth


Exercise is described as an   activity that requires physical or mental exertion, especially when performed to develop or maintain fitness.  It is one of the important aspects of a healthy living. If we do regular exercise we maintain good health and are free from the ill effects of many potential diseases.  It helps in preventing the onset of many diseases and helps in maintaining a healthy and youthful appearance.

Many studies have been done to understand the health benefits of exercise.  Normally 30 minutes of exercise at-least three to five times a week is helpful in bringing good results to our well being.   There are various studies that show that aerobic exercise is good for health and some studies show that weights training are useful for better shaping the body.  There are many benefits of exercise but the following are understood by most of us.

Apart from 30 minutes time spent on exercise daily.  We should also see to it that we are highly active in our day to day lives in-order to get the maximum benefits to our healthy living.  

  • Helps in controlling the Blood Pressure
  • Useful in reducing stress, anxiety and depression
  • Helps in maintaining and/or reduction of weight
  • Useful in maintaining good skeletal structure
  • Helps in delaying the effects of arthritis in the later life
  • Useful in maintaining a healthy heart
  • Helps in the building of strong bones
  • Right exercise is useful in managing slipped disc/radiculopathy/back pain/herniated disc.
  • Exercise helps in preventing and maintaining Osteosporosis
  • Exercise helps in enhancing the energy levels and providing us with higher capacity of endurance
  • People who exercise get a good night sleep
  • Useful in the management of Sciatica
  • It helps in controlling mild form of diabetes
  • Apart from the physical benefits of exercise there are different types of psychological benefits of exercise




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Monday 24 September 2012

Jinn in my office



One cloudy, misty, dusty and winter morning I woke up and found that the weather was bit chill in the eastern province of Saudi Arabia.  Whilst going to office I could find that my visibility was restricted as the weather was similar to Transylvania, the birth place of dracula.  I could feel the bony dracula's moving about on the footpaths.  I tried to re-collect the count dracula's movies where in a cold blooded vampire used to roam in the streets looking for its prey.

I reached my office on time and found that it was colder than outside.  When I touched my seat I felt like standing for few more minutes before I took my seat.   There was a bit of commotion and whispers around.  Finally one of my colleagues, a typical Malayalee, who was over conscious of the situation, went on asking, who turned the temperature control knob.  Another colleague of our's, from the mountainous region of Indian sub-continent joined us and started complaining that somebody had reduced the temperature to 5 degree centigrade and the office seemed to have frozen.  He retorted that, "I had increased the temperature and now it is bit comfortable and this has happened earlier too".

Finally our first colleague got exhausted after checking with everyone and getting a negative response.  In his eagerness to find the culprit, he did his best by cross-checking with others and taking a print out of telephone numbers dialed station-wise and re-checking them. When all his exercises became futile, he proposed that it may be the Jinn which had fiddled with the temperature knob.

This proposition me nostalgic. I had heard about Jinee when I was 4 year old.  My mother used to tell us not to go near a tree, as she had seen light and commotion during night. Early in the morning she used to find empty boxes of sweets. She also told us that her great grandfather used to control a Jinn. Other stories flickered of Jinn being responsible for changing the place of a sleeping person from one room to another room.  Many a times Jinn had thrown persons from cot to a pit. People have become mad by seeing Jinn. They can change their form and can come in any living form.  They can come out of thin air and vanish into thin air. They have males, females and children. Their preferred forms are cats and snakes. The unforgettable story of Alladin and his magic lamp, generated a fresh hope.

The very thought of Jinn brought fear and hope in my mind. I tried to explain the characteristics of Jinn to my colleagues, who were a mix of Indians and Saudis.  Gradually the office closure time approached, on that particular day our entire office became empty due to the fear of Jinn. I was the only one to be left in the office.   Inspite of lingering fear, I had to stay beyond the office hours that evening due to my commitment to work.  Whilst sitting on my computer in eerie silence, I suddenly heard a violent noise in the reception area of my office.  My breathing reduced and my eyes focused at the reception door.  I felt that this may be the Jinn, who had fiddled with the temperature knob.  I could hear small commotion outside.  Suddenly the security door opened and I found a six footer entering our office in white robe.  He was my Saudi colleague and buddy.  But he did not speak to me, I thought that Jinn might have come in his form and kept quite staring pensively at my computer.  He straight away went to the bathroom.  I hurriedly tried to finish my job and was able to complete it, before the Jinn could come out.  Immediately I rushed towards the security door, I heard some sound in the reception area and once again fear gripped me. Finally I decided to take the Jinn head on, I opened the door and was bit amazed to see one of my ex-colleague, another Saudi gentleman.  Saying a hello in low tone I rushed out of my office.  Reading verses and thanking God for not bringing me into confrontation with those Jinns in my colleague and ex-colleague form. 

The next day, I found similar commotion in my office, as was there a day earlier.  On enquiring I came to know that the entire lights of the office were on for the whole night, this made me further nervous. 

Gathering courage I confessed to my colleagues that I was not the last person to leave the office. But there was one person after me whose job was to shut the lights off.  Hence I am blameless. Then my six-footer colleague in robe, indeed confessed that he had come to office the day before and forgot to switch off the lights.  This brought a big relief to me.  Ultimately I realized that the persons whom I had seen earlier were not Jinns but human beings like us.

Mr Mohammed Sadullah Khan, faculty member and a freelance writer.

He can be contacted at mosakhan40@gmail.com

Sunday 23 September 2012

Swine Flu Dilemma


With the passing of each day lay man is more confused about the supposed to be a deadly virus.  In the current information age, lots of information is available in respect of the virus and its virulence.  Many theories have been propounded about the virus and the vaccine.  Almost all parents are worried about the health of their kids, who are back at school after a long holiday. In this time of crisis the health experts should come out with clear cut strategy to explain the real dangers of the virus, means to combat it and end the confusion. 

23/10/2009 Mohammed Sadullah Khan. 


Communal Riots


India is one of the countries having maximum number of communal riots.  The riots are usually the handi-work of politicians and the goonda elements. However the innocent people of both the communities become the victim of it.  During riots most of the personal and political scores are settled as the aggressors are sure of escaping the punishment.  A country huge as India with diverse cultures, it may not be possible to curb the tendency of friction of cultures but a stringent punishment to the perpetuators of the violence will go long way in saving the lives and properties of the innocent victims. 

Mohammed Sadullah Khan. 

Fire Prevention


The Kuwait fire incident during wedding was really unfortunate. It is being suspected that the cause of fire may be the malicious intent. Irrespective of the cause of fire had the Fire Prevention appliances were in place most of the lives could have been saved. The lack of adequate number of exit doors is also one of the major reasons for deaths. To avoid these types of incidents the premises for weddings should be adequately ventilated, tiles should be preferred instead of carpets, with sufficient number of fire exit's, kitchen should be at a safer distance from the partying area, good fire safety equipments should be available along with necessary training for safety. The guests should also be made aware of the safety facilities as a part of the Preventive measures. (17-08-2009).
Mohammed Sadullah Khan.

Bubbling Controversy


Coverage on "Burqa" seems to have overshadowed the demise of "King of Pop" in Media.  It is heartening to see the huge response in the media to the remarks made by the French President, who in his usual ignorance and unbaked curiosity has opened the Pandora's Box.  He might have never imagined the reaction to his ignorant remarks from all over the world.  For some ignorance is bliss.

The word Burqa is usually used to describe the black outer garment worn by the Muslim women.  Burqa, is preferred by many women because it is easy to wear and easy to take-out.  It is designed to adhere to the Quranic guideline of coverage for women. However it is preferable to use the word Hijab instead of Burqa. Burqa is one of the Hijaab.

Like most of the controversies and misconceptions related to Islam, which time and again erupt and give a chance to the gullible ignorant to balloon it up further.  Islamic dress code is being followed for over 1430 years and it has been prescribed in Quran when it was revealed.  Dr. Zakir Nair, one of the famous Indian Islamic Scholar, who is also famous for his verbatim quotations of various World religions,   has identified 20 of the most common mis-conceptions among non-Muslims. His presentations on the same and articles has helped many people to over-come their misunderstanding of Islam and appreciate the beauty of Islam. Few years ago he had listed the Burqa related misconception under his list at No.3. He dispels this as follows,
"Misconception # 3: Islam subjugates women in a veil.

Reply: If you look at history, to ancient civilizations, you will find that women were the oppressed people. They had no individual merit. The Babylonians used to punish the woman for her husband's mistakes. The ancient Egyptians did the same. Ancient Arabs buried their newly born daughters.

It was Islam that uplifted the status of women. It gave women rights they never had before. Surah Nissah exhorts believing men to lower their gaze if a lady is passing by. Similarly, there are exhortations for women to lower their gaze if strange men are around. The Quran also speaks about the hijab for men and women to protect the modesty. The hijab for men is to cover their bodies minimally from their navel to the knees. The hijab for women is to cover their whole bodies except for their faces and hands below their wrists. There are descriptions for a female hijab, that it should cover the endowments including head, not be tight, not be transparent, not be like the clothes of non-believers, and not be like the clothes of the other gender, etc. Women got the right to own, inherit property, and to dispose it of at will.

Let me ask you a question: Suppose two identical twin sisters are walking down a street, and one of them is dressed in revealing clothing, while the other one is wearing a hijab. Who will be boys in the street whistle at or tease: the one who is scantily dressed in a mini-skirt, or the one who is modestly attired? The answer is obvious. The hijab is designed to prevent women from being molested. It brings peace to society and prevents mischief. "

All non-Muslims should be given an opportunity to go through these fully listed misconceptions; there will be lesser number of controversies.  Media should also take care to highlight these, whenever a similar controversy erupts.

Islam as a religion gave undeniable rights to women. Burqa is not a symbol of imprisonment but it is a symbol of freedom.  Burqa, has proven to give women freedom from exploitation, harassment, subjugation and eve teasing. It elevates the women.  A vast majority of reverts are women and they have voluntarily adapted to Burqa.  The reverts Yvonne Ridley, a former Christian and Kamala Surayya, a former Hindu, both well educated women and have been fully aware of the rights and freedom of women.  These women have accepted Islam on a free will and adapted to burqa (veil) voluntarily.  No one coerced them to do so.  Islam as a religion prescribes dress code to its followers both men and women. The western societies should not imprison women with their views of freedom. The Muslim women should be given a choice of what she wants to wear in a free society.

First Saudi Insurance Symposium on 22, 23/02/2011- Riyadh, Kingdom of Saudi Arabia - Professional Insurance Education



Mr. Mohammed Sadullah Khan, Faculty Member, Insurance Studies Unit, Institute of Banking, Riyadh, Saudi Arabia addressing the gathering of Insurance Professionals from the Insurance Industry at the First Saudi Insurance Symposium on 23/02/2011.





Mr. Mohammed Sadullah Khan of Institute of Banking with Mr. Bruce C. S. Aitken, Chief Executive Officer of ACE Arabia Insurance Company.


Mr. Mohammed Sadullah Khan, Faculty Member, Institute of Banking, addressing the queries raised by the Insurance Executives. Mr. Samy Al Ali, Chief Executive Officer of Al-Ahlia Insurance Company and the Chairman of the session is beside him.

Question and Answer Session -


Ali-Al Subaihin, Chief Executive Officer of Tawuniya - commenting on the presentation of Mr. Mohammed Sadullah Khan.

















Mr. Hisham Yasin, Business Development Manager making his comment on the presentation.

 
Mr. Basem Odeh, General Manager, Arabian Shield Insurance Company making his comment.






















From left to right - Mr. Alfredo Soares,Senior Associate, Mercer, Mr. Tal Nazer, Managing Director, BUPA Arabia, Mr. Mohammed Sadullah Khan, Faculty Member of Institute of Banking, Mr. Samy Ali, Chief Executive Officer, Al Ahlia Insurance Company, Mr. Hisham A. Yasin, Business Development Manager of Institute of Banking





















Mr. Mohammed Sadullah Khan, Faculty Member, Institute of Banking with Mr. Syed Kaleemullah Hussaini, Manager, Arab Commercial Enterprises Ltd. and Mr. I. Bader, Senior Surveyor/Manager,Arabian Inspection & Survey Co. Ltd.

1st Saudi Insurance Symposium 2011
Riyadh 22nd-23rd February, 2011
Day & Time Topic Speaker

Day 1

8:30am Registration, morning refreshments

9:00am Welcome note Mr. Jamaan Al Wagdany, Director General, IOB

9:05am Official Opening H.E. Dr. Abdulrahman Alhamidy, Vice Governor , SAMA

9.15am Session 1: The Insurance Industry in the Kingdom

15 min. The existing paradigm shift - Competition vs. Survival Mr. Ali AlSubaihin, Tawuniya

15 min. The hidden challenge - Solvency margin requirements Mr. Harvey Duckers, GAD

15 min. Is merger our destiny? Saleh Alhnaki, Actuscope

30 min. Q&A Panel Discussion Panelist: Mr. Paul Adamson, AXA, Mr. Omar Bilani, Watania, Chairman: Mr. Ayman El Hout, Med Gulf

10:30am Coffee Break

10.45am Session 2: Insurance experience - Mega Projects

15 min. Aramco Experience Mr. Tariq M. Malak, Aramco.

15 min. Sabic Experience Mr. Naser Al Jarba, Sabic.

15 min. Brokers' Perspective Mr. Nabil Kokash, Aon Saudi Arabia

30 min. Q&A Chairman: Mr. Mousa Al Rubaian

12:00PM Prayer time and Coffee Break

12:30 PM Session 3: Market Regulation - Regulators' Perspective

15 min. The Transition from Regulation to Supervision Mr. Mohammed Al Shayea, SAMA

15 min. Compulsory Health Insurance / Way forward Dr. Abdullah Al Sharif, Council of Co-operative Health Insurance

15 min. Governance CMA

30 min. Q&A Chairman: Mr. Ali Al Ayed, Malath

01:45 PM Buffet Lunch

Day 2

8:30am morning refreshments

9:00am Session 4: Enterprise Risk Management Governance and Compliance

15 min. Successful Implementation of ERM in the KSA Insurance Sector Mr. James Peacock, S&P

15 min. Implementing Risk Management Governance & Compliance Mr. Mark Stephens, Milliman

15 min. Business Benefits of Compliance Mr. Basem Odeh, Arabian Shield

30 min. Q&A Chairman: Mr. Debo Ajayi, Milliman

10:15am Coffee Break

10.30am Session 5: Natural Risks

15 min. Natural Disasters - Regional trends Dr. Morten Karnuth, Munich Re

15 min. Mitigation of natural disasters Mr. Mike Barnes, McLarens Young Saudi Co. Ltd.

15 min. From Business Interruption to Business continuity - Case Study Mr. Ayman El Hout, Med Gulf

30 min. Q&A Chairman: Mr. Yassir Al Baharna, ARIG

11:45AM Prayer time and Coffee Break

12:30 PM Session 6: The Human Aspects of the Insurance Industry

15 min. Developing People in emerging market Mr. Alfredo Soares, Mercer.

15 min. The IOB's Contribution towards Professionalism Mr. Sadullah Khan, IOB

30 min. Q&A Chairman: Mr. Samy Al Ali, Al Ahlia

15 min. Wrapping & Close of Days 1&2 Facilitator: Mr.Tal Nazer, BuPa Arabia

01:45 PM Buffet Lunch



Type of Insurance Policies available in Kingdom of Saudi Arabia. India and world over.

(Professional insurance education).


All risks insurance,
Automobile Insurance,
Aviation insurance,
Accidental Insurance
Business interruption insurance,
Construction insurance,
Construction All risks insurance,
Car Insurance
Casaulty Insurance,
Credit Insurance,
Credit Guarantee Insurance,
Directors and Officers Insurance,
Domestic maid insurance in saudi arabia,
Employee dishonesty insurance,
Erection insurance in saudi arabia,
Fidelity guarantee insurance in saudi arabia,
Fire insurance,
Fisheries Insurance,
Group life insurance,
General insurance,
Health insurance,
Insurance education in saudi arabia,
Liability,
Life insurance in saudi arabia,
Loss of profit Insurance,
Poultry Insurance,
Public Liability Insurance,
Plant and equipment Insurance,
Machinery insurance,
Machinery Breakdown Insurance,
Machinery all risks insurance in saudi Arabia,
Marine ,
Medical insurance in saudi arabia,
Medical malpractice insurance,
Money insurance in saudi arabia,
Motor,
Personal possession insurance,
Personal Accident Insurance,
Professional insurance education in saudi arabia,
Property insurance in saudi arabia,
Property all risks insurance,
Third party insurance in saudi arabia,
Third Party Liability Insurance,
Travel insurance in saudi arabia,
Major types of Insurances
Re-insurance in major classes,
Workmen compensation,