Jumat, 14 Juli 2017

How Smoking Impacts Your Health Insurance Policy

It's a well-known fact that smoking causes an adverse effect on your health. You must have seen the warning message on all cigarette boxes - 'Smoking is injurious to health'. Smoking tobacco is a root cause of 30% of all cancer deaths and causes 16 times higher risk of heart attack.

There are almost 120 million smokers in India. As per World Health Organization, India accommodates around 12% of the world's smoking population. The number of men smoking tobacco has increased from 78 million in year 1998 to 108 million in the year 2015. Tobacco consumption is accountable for the death of 6 million people each year. Direct tobacco consumption accounts for over 5 million deaths and 0.6 million deaths are due to exposure to second-hand smoke. Considering serious public health risks, the Government has banned smoking in public places from 2nd October, 2008.

Not only your health, it also causes you to pay higher premiums for a health insurance policy, due to increased health risks and shorter life expectancy. A nonsmoker however, gets premium discounts as a reward to lead a healthy lifestyle. Being a smoker, it is advisable not to hide your smoking habit from your health insurance company, as it helps you to cover the smoking-related health issues.

There is a wide curiosity among people, how smoking impacts the health insurance and its cost. Let's educate yourself about smoking and its impact on health insurance policy.

Smoking - What It Includes

Smoking includes inhalation of of the smoke of burning tobacco in the form of cigarettes, cigars and beedi. Whether you are an occasional smoker or frequent smoker, you will be considered as a smoker under the health insurance policy.

Smokers can buy health insurance, however an insurance company may charge extra premium or reject your application for insurance, depending on the number of cigarettes you smoke on a regular basis. A smoker may also have to go through additional health check-ups that can help an insurance company to ascertain the risk factor and then charge the premium amount accordingly.

How Smoking Affects Your Health and Insurance Premium

Smoking makes the serious impact on your health, some of them are detailed below.

Circulatory System: Smoking results in increased risk in the heartache and blood pressure. Building up of fatty acids could resulting to atherosclerosis.

Immune System: Smoking results in severe and long lasting illnesses. Smokers are more prone to develop ulcers, cancer, pneumonia, high blood pressure, bronchitis, and other viral/bacterial/fungal infections.

Respiratory System: Smoking may damage lung functions and breathlessness. It may cause damage to the air sacs of the lungs, increased chance of developing chronic bronchitis.

Oral Health: Smoking can lead to tooth loss, tooth staining, gum disease which may increase the risk of tooth decay.

Cancer: Smoking for a long time also causes cancer to various body organs.

When it comes to a health insurance policy, an insurance company considers the magnitude of illnesses and deaths caused due to smoking and that's why, smokers need to pay higher premiums to avail health insurance cover. Typically, the insurance companies charge around 15 to 20 percent higher from a smoker policyholder. Those who smoke would need to undergo additional medical checks, before the insurer issues you the policy.

Let's understand the difference of premium between a smoker and non-smoker individual.

Ritesh (non-smoker) at 30 years of age buys an individual health plan with Rs 5 Lacs coverage, for 1 year policy term, the chargeable annual premium amount is Rs 4,656. However, Raj (smoker) is buying an individual health plan, he is charged with an annual premium amount of Rs 7,552. An increase in premium amount is only due to the fact that Ansh lies in the smoker category of premium. We can see Raj is paying Rs 2896 extra on account of smoking.

Smoker with Existing Health Problems

If you are a frequent smoker that has caused the symptoms of the declining health condition and getting puzzled whether you can get a health insurance. The answer is yes, the only thing required is to make honest and proper disclosures.

The insurance company will then assess the risk associated with your profile and then decide on terms & conditions and the premium to be charged for providing you a health cover. The premiums charged will be higher and a waiting period will be applied for covering your pre-existing diseases. Moreover, if you are seeking an immediate coverage on your deteriorating health condition, you may go for a critical illness policy.

Conclusion:

Smoking makes an adverse impact on your health and your health insurance policy as well. An insurance company will charge you a higher premium in proportion to the risk associated in providing a health cover. An important point to note that you should disclose all relevant information regarding your health and smoking habits. In case, you are found hiding or providing fake information, the insurance company may decline in settling the claims.


Jumat, 07 Juli 2017

Health Insurance Coverage for Cancer Survivors or Cardiac and Diabetes Patients in India

Introduction:

The basic health indices in India have widely improved since we became independent in 1947, the average life expectancy has gone up, the infant mortality rates and maternal mortality rates have improved a lot but we still have a long way to go before we achieve developed or European standards.

These improvements happened because of improvement in education, sanitation, health care facilities and increase in disposable income resulting in general improvements in living standards across the board.

Today we are producing more cereals, pulses, fruits, poultry, fish and also consuming more as a result the availability of protein in our diet has improved very much resulting in taller and healthier Indians.

But along with increase in disposable income and increasing living standards there is increase in consumption of alcohol, tobacco, red meat and fatty foods.

The increase in affluence and affordability of new technological gizmos has made us more sedentary and dependent even for smallest and easiest of the job; today we tend to use mobile phone from the comforts of our home to contact grocer, pharmacist, maid, electrician, mechanic, etc.

And instead of walking to nearest convenience store, we tend to use vehicle and instead of walking or cycling for moving-around in our neighbourhood we take motorised vehicle.

Many of us will have trouble remembering last time we walked a distance to catch an auto rickshaw or taxi today we tend to book taxi and it picks us up from our door step.

Which along with unresponsive or indifferent civic management has resulted in unplanned development across most of the urban centres where availability of potable water, sanitation services are under stress along with increased and unmanaged vehicular, industrial, ground, noise pollution.

In 2012 GOI with Indian council of medical research released an updated definition of overweight and revised the figures to:

If BMI (Body Mass Index) is between 18-22.9kg/m2 person is of normal weight

If BMI is 23-24.9kg/m2 the person is overweight.

If BMI is more than 25 kg/m2 the person is OBESE.

In 21st century obesity has taken epidemic proportion in India and more than 5% of population comes under definition of OBESE.

While studying of 22 SNP ( single nucleotide polymorphism) near to MC4-R-gene, scientist have identified a SNP 12970134 to be mostly associated with waist circumference. In this study nearly 2000 people of Indian origin participated and this SNP was found to be most prevalent in this group.

Hence genetically we are predisposed towards abdominal obesity and this is one of the biggest morbidity factor behind diabetes type 2 and cardio vascular disease.

Globally 3-5 million deaths are because of obesity, 3.9% years of life lost and 3.9% of years lost to disability adjusted life years.

All the above has increased the number of Indians suffering from non-communicable lifestyle induced diseases like Cancers,Cardiac Vascular diseases, Diabetes, Hypertension, Mental Illness, breathing disorders like Asthma etc.

What is the disease burden for non-communicable prevalent disease like cancer, diabetes and cardiovascular diseases in India? (Reference: Background papers on Burden of disease in India published by National commission on macroeconomics and health)

The figures for Diabetes, CVD (Cardio vascular disease) and cancers are alarming and the biggest percentage of new cases are being reported from Urban areas and the younger men and women are as vulnerable as middle aged men.

Diabetes:

India is projected to become diabetes capital of the globe, it is estimated that in 2015 approximately 4.6 crore Indians were diabetic.

The prevalence is estimated as:

In 30-39 years age group around 6% of population is estimated to be diabetic.

In 40-49 years age group around 13% of population is estimated to be diabetic.

In 70+ years age group around 20% of population is estimated to be diabetic.

Diabetes has been recognised as one of the major contributing factor towards increase in numbers of Cardio Vascular Disease (CVD) patients in India.

Cardiovascular Disease (CVD):

It is estimated that around 6.4 crore Indians had one or the other condition which can be classified as CVD.

Coronary Heart Disease is a mix of conditions that include Acute Myocardial Infraction, Angina Pectoris, Congestive Heart Failure (CHF) and inflammatory heart disease.

It is increasing in rural areas it is estimated to effect 13.5% of rural population in age group 60-69 years.

More and more cases of CVD are being diagnosed among young adult in age group 40 and above.

Cancers:

It is estimated that nearly 10 Lakh new cancers wold have been diagnosed in 2016 and 670,000 deaths were expected because of cancer in 2016.

Across the globe Cancers account for 5.1% of disease burden and 9% of all death, in India cancers account for 3.3% of disease burden and 9% of all deaths.

Response of health insurance companies towards the increased disease burden:

Looking at the large number of people being diagnosed and being affected by increased disease burden, it is a fact that all these diseases or conditions are rejected as preexisting conditions and risks are not accepted by any insurance company.

The best response has been benefit policy from Life insurance companies which offer fix term plans for cancer or cardiac disease but for paying the benefit the diagnosis has to be during policy period.

The survivor benefit plans popularly known as critical illness benefit policy pays only when the disease becomes critical particularly in cancer today many cancer cases are diagnosed and treated completely during the early stage and do not become critical hence most claims under the Critical Illness can only be made once disease reached 3rd or 4th stage of manifestation.

Presently schemes for people diagnosed by or surviving these diseases are bare minimum some insurance companies have tried to launch products catering to people with some preexisting condition or survivors but the effort seems halfhearted.

New India assurance have launched Cancer care policies with Indian cancer society and CPAA but both these policies exclude existing cancer patients or Cancer Survivors and only enrol people who have no sign of cancer.

Health Insurance Policies for Cardiovascular Disease Patients:

Start Health and Allied insurance company has launched Star Cardiac care policy for people who have undergone PTCA, CABG within 7 year period prior to the commencement of the coverage under this policy.

Few features of Cardiac Care insurance policy:

There are 2 sections of the policy section 1 is normal health insurance with PED covered after 48 months, 2% limitation on room, doctor fee and nursing charges subject to max of Rs.5000 per day and liability in case of package rates is limited to 80%of package rates.

But section 2 covering giving coverage to known cardiac cases there is no limitation other than SI.

There is a waiting period of 91 days before a person can claim for any complication because of preexisting cardiac condition under this policy

Health Insurance plans for people with diabetes:

In Diabetes space there are two products Diabetes safe from Star Health and Allied insurance company and Energy Health insurance plan from Apollo Munich Health insurance company:

A comparison between the two products is as:

Insurance Company: Star Health Insurance

Product: Diabetes Safe Insurance Plan

Who is covered?

Patients suffering from Type 1 and type 2 diabetes

Number of plan:

2 plans in plan A pre-acceptance medical test must, in plan B no pre-acceptance medical tests

Waiting period: In plan A no waiting period, in plan B 15 months waiting period for coverage of disease related to CV system, Renal System disease of eyes and diabetic peripheral vascular disease, foot ulcers

Family floater option: available,both plans have 2 section one section covers

benefits under family floater and section 2 is specific to diabetes care.

Sum Insured Rs. 300,000, to Rs. 10,00,000

Income Tax Benefit: Under 80(D)

Limitation:

For Cataract the limitations are defined as :

For SI 3-500,000 liability to Rs.20,000 per eye person and Rs. 30,000 per policy period

For SI Rs. 10,00000 liability limited to Rs. 30,000 per eye person and Rs.40,000 for policy period

For diseases of cardio vascular system the limitation are defined as:

For SI 300,000 liability limited to Rs.200,000

For SI 400,000 Liability limited to Rs.250,000

For SI 500,000 liability limited to Rs. 300,000

For SI 10,000,00 liability limited to Rs.400,000

Cost of artificial limbs limited to 10% of SI if amputation is related to diabetes.

Insurance Company: Apollo Munich health insurance co. Ltd

Product : Energy Health Insurance Plan

Who is covered?

Patients suffering from Type 2 diabetes, impaired fasting glucose, impaired glucose tolerance and or Hypertension are covered.

Number of plan: Single plan

Waiting period : No waiting period, day 1 hospitalisation arising out of diabetes and hypertension

Family floater option: No, policy available on individual basis

Sum Insured : Rs. 200,000 to Rs. 10,000,000

Income Tax Benefit : Under 80(D)

Limitation: No limits

VAS (Value added services): Health coach, telephonic consultation, health line, discounts, access to wellness portal that conducts HRA, stores medical record


Jumat, 23 Juni 2017

Insurance Claim: Collecting Your Lost Wages

A couple months ago you were toolin' on down the avenue, minding your own business, when out of nowhere, this fumbling, stumbling man by the name of Freddie Fuddle flew through a Stop Sign and plowed into you with a gigantic, rip-roaring, screeching broadside. You were wearing your seat belt but it was still a thundering crash that wrenched and whipped you around the inside of your motor vehicle something fierce!

Now, after a long recovery period, Fuddle's carrier, Granite Mountain Insurance is clamoring to close the case and they've assigned Claims Adjuster I. M. Strong, to handle your case. You and Strong are sitting at your kitchen table talking about your settlement dollars. It turns out he's got some hang-up's regarding your lost income. Well, here are some things you need to know:

Lost wages are one of the most important element's of your damages. Listen to me carefully when I say, "You should not think about the days you missed from work as Lost Time and Earnings. It's not Lost Time and Earnings - - it's Lost Earning Capacity"

You ask, "What's Lost Earning Capacity all about? I thought I could only collect for my Lost Income?" The answer to that is, "In many situations you can claim lost income EVEN IF YOU HAVEN'T LOST ONE SINGLE PENNY ". For example, this can happen when your salary is paid because you've elected to apply for the sick leave that's due you, or because of an Accident and Health Policy available for you to take advantage of, or some other such arrangement.

In most instances - - even if you were paid while out of work - - you should still get that money routinely identified as Lost Wages. Why? Because that's your Lost Earning Capacity. Your Lost Earning Capacity is what's called a Compensatory Damage. Don't let Strong swindle you out of that Compensatory Damage. Even if you've received an income, in some other way, you're still entitled to it. Strong will do everything he can to take advantage of you, especially when it comes to getting paid for your Lost Earning Capacity. During the course of every settlement negotiation he gets involved in, he'll try that tactic on for size, and it's mind-boggling how often he gets away with it.

The typical statement made at that point, by the unsuspecting claimant is, "Hey, I understand I'm to be paid for my lost wages."

Strong answers, "You collected $200.00 a week from your Accident and Health Policy didn't you?"

"Yeah, but my average weekly income last year was $275.00 a week."

"Okay", I. M. Strong flashes a well practiced, winning smile, that tells you he's a fair insurance claim adjuster, when in his black heart, he knows he isn't, "We'll pay you that $75.00 a week difference. Let's see, you were laid up and unable to work for 5 weeks. 5 times $75.00 is $375.00. Don't worry my friend, I'll see to it you're paid that $375.00."

"Wow!" you think, "that's terrific !." You're thrilled to death with this great turn of events.But what you don't know is that the $200.00 a week you've received from your Accident and Health Policy has absolutely nothing to do with your lost income.The bottom line is that Smart has just cheated you out of a thousand dollars! And, worse than that, the $275.00 a week income you lost (for a total of $1,375.00) would have (in a court of law) given your case $4,000.00 to $5,000.00 more value in settlement dollars.

DOCUMENTING LOST INCOME: Ask the company you work for to write a letter on their official stationary declaring your gross salary income and the days you lost from work.

GROSS PAY VS. NET PAY: You should collect the "gross" wage's you lost, not the "net".

TOTAL DISABILITY and/or PARTIAL DISABILITY: For every week of Total Disability (a fact which must be stated in your doctors Final Medical Report) you should use your gross weekly income - - even if you were paid! (For every week of Partial Disability your doctor states in that Final Medical Report, you have the right to claim a substantial percentage of your income, during that period, even if you didn't lose any).

Because the following five points give value to your claim be ready to talk with Smart about and, wherever possible, prove:

(1) If your work demands heavy labor and/or lifting. (2) If you lost any vacation time or sick leave. (3) If there was any possible loss of money you could have earned in the future - - either with your company or maybe other income you've got bubbling and boiling on the side. (4) If you had to forgo any bonuses. (5) If you lost an opportunity that would have led to a better job.

If any of the above five points are true than your claim is worth more money!

THE CRUCIAL MEDICAL REPORT: The Granite Mountain Insurance Company and Adjuster I. M. Strong know that the longer your recovery period, the greater your "pain and suffering", therefore the higher the settlement value of your bodily injury claim. Your Chiropractor or Attending Physician must also note this in his Final Medical Report. Tell him to state exactly how long it will be, before you can get back to routine activities like golf, hunting, fishing and/or rockin' and rollin' with your lady friends.

As long as you have problems keep right on going back to see your doctor, again and again, even if it drives the poor bugger nuts! Do this because the fact that your records show a visit to him, four, eight, or twelve weeks after the accident, proves your injury needed constant attention, therefore you were unable to work. Also because, when you visit your doctor and tell him there's no let-up of your pain, discomfort, stiffness or immobility - - those continuing problems must be written into the Medical Report he'll provide for you when you've finished treatment. That's the one you'll hand to Adjuster Smart when the two of you begin to talk turkey. As he reads it you'll watch him frown, then blanch as that cocky smile disappears from his face. When you see him do that you'll know, "ya got him"!

DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor Article City make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL'S RESPONSIBILITY to obtain said services.



Jumat, 16 Juni 2017

Affordable Health Insurance For Everyone

Many people are so convinced that they can not afford health insurance, that they never actually look into getting any. It sort of makes sense that if you are convinced that you do not have the money then why bother checking into any of it. What these people do not realize is that there are options that are less costly than people realize. There are even some plans that are made available by the government.

Keep in mind, there are some things the government programs will not help with, but pregnancy is not one of them. If you are pregnant, or want to be in the near future, it would be wise to get the paper work started asap. Should there be any complications, your applications are already in the system. Having a baby can be costly, but the government program is more than willing to help you, especially if you feel you do not have the necessary funds. Pre-mature births could eventually cost you thousands if your baby is placed in the NICU for observation.

Pregnancy help from Medicaid usually is as easy as applying for it. You will be ask to fill out financial disclosure information about your total income amount and any assets you might have. This is standard procedure and nothing to be afraid of. Every state has its own set of rules to abide by and might vary, depending on your state of residence. Getting child health insurance coverage is almost guaranteed that through one of the many child government programs you will qualify for either full coverage at no cost or at a reduced percentage that you can afford.

Every member of your family's health is important; not just the children. Failing to realize and address this could bring financial tragedy; should some debilitating disease, illness or accident happen unexpectedly. Searching and securing health insurance to cover such events will help keep your sanity in check and ease the burden of dealing with other day to day things. If you are temporarily disabled, it will help cover medical cost and the only out of pocket expenses should be your deductible.

Looking for insurance is pretty easy. You can get online quotes in a snap and then you can compare prices and plans. There are a few things that you can do to make your payment a little lower too. If you are a smoker, stopping will not only improve your health it will also give you cheaper insurance. You will also get a better price if you are at a healthy weight. Obesity causes so many health issues that they charge people more when they do weigh, what they consider, too much.

Jumat, 09 Juni 2017

Cosmetic Surgery Insurance For Everyone Who Will Take Future Cosmetic Surgeries

A lot of people are now venturing into improving their looks with the help of cosmetic surgery. In fact, some will not have them once but even several times in different parts of their body. In hearing this type of procedure, the first thing that will come into your mind is the overall price needed to be paid in the process since these procedures are very detailed. These procedures are not really covered by insurance premium so the expenses needed to be settled on this procedure should be shouldered by the clients. But there is also the concept of cosmetic surgery insurance. Just like the regular insurance coverage, they also need to be paid in monthly premiums but will not be used sooner than other regular insurance plans. For instance, a woman can take advantage of this once she wants to have a tummy tuck after giving birth or liposuction as she age.

Since it's similar with the regular insurance coverages, the price of a cosmetic surgery insurance is also different depending on the age of the person who got it. Of course, another factors just the overall health of the patient, weight, smoker or not and others like environmental factors. For instance, parents can buy insurance for their newborn child while others can get one for themselves. Looking closely, many individuals are also buying insurance coverages for their pets so it's also a better choice for clients who may have a high possibility of getting cosmetic surgeries in the future. The problem is not all individuals opt to get this procedure even if it's going to be very helpful for them in the future.

It's true that these insurance providers are making a lot of money when it comes to providing various coverages to their clients. Although many people think that insurances are just additional expenses, it's still something that will still be beneficial for people all throughout the country and the world. The good news is cosmetic surgery insurance is available for everyone and it's going to be very beneficial for people who would like to be covered for future cosmetic surgeries.



A lot of people are now venturing into improving their looks with the help of cosmetic surgery. In fact, some will not have them once but even several times in different parts of their body. In hearing this type of procedure, the first thing that will come into your mind is the overall price needed to be paid in the process since these procedures are very detailed. These procedures are not really covered by insurance premium so the expenses needed to be settled on this procedure should be shouldered by the clients. But there is also the concept of cosmetic surgery insurance. Just like the regular insurance coverage, they also need to be paid in monthly premiums but will not be used sooner than other regular insurance plans. For instance, a woman can take advantage of this once she wants to have a tummy tuck after giving birth or liposuction as she age.
Since it's similar with the regular insurance coverages, the price of a cosmetic surgery insurance is also different depending on the age of the person who got it. Of course, another factors just the overall health of the patient, weight, smoker or not and others like environmental factors. For instance, parents can buy insurance for their newborn child while others can get one for themselves. Looking closely, many individuals are also buying insurance coverages for their pets so it's also a better choice for clients who may have a high possibility of getting cosmetic surgeries in the future. The problem is not all individuals opt to get this procedure even if it's going to be very helpful for them in the future.
It's true that these insurance providers are making a lot of money when it comes to providing various coverages to their clients. Although many people think that insurances are just additional expenses, it's still something that will still be beneficial for people all throughout the country and the world. The good news is cosmetic surgery insurance is available for everyone and it's going to be very beneficial for people who would like to be covered for future cosmetic surgeries.


Article Source: http://EzineArticles.com/5919983

Senin, 05 Juni 2017

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Jumat, 02 Juni 2017

Finding Cheap Car Insurance For Everyone

If you live in Michigan and you need to get your car insured but cannot find the right place to do it, then this article will give you some information on how you can find cheap car insurance Michigan, in the comfort of your own home. Here are a few things to help you get started.

One of these first things you can do is check through your local phone directory and find a list of insurers that are available in your local area. Once you have the phone numbers, make a list of some of the information that you may be asked when you call up. This may include what type of car you drive, how old you car is, have you had any accidents that were your fault, if so what date and year was it? If you have this information ready and on hand then you can easily answer any questions that may be asked.

When you call up remember you are only inquiring. See if you can get a quote of how much insurance will cost if you choose this particular company. Remember you do not have to take the first offer that is given to you, let the person on the phone know that you will have to think about it and get back to them. This will give you a chance to call up other insurers and collect quotes off them. By doing this you will be able to compare the companies and the quotes provided, to see which one has the better deal. This is a great way to finding cheaper insurance for your car.

If you want to expand your search then a suggestion of using the internet would be the next step. There are many different websites that are available that can give you free quotes for your car. Some of these sites specialize in selling this type of insurance and can be quite helpful. But always remember to compare the different sites and not jump straight into the first one you see. This is important so you can find the cheapest one possible.

If you are unsure about buying it off the internet then do a little research into the background of a desired company. For example do they respond to questions quickly, how long have they been in business, do they have easy to find contact details? Take everything into consideration when buying off the internet.

So if you are looking for cheaper car insurance then why not take the time to do your research and expand your searching field. This way you will be able to find the cheapest you can at an affordable price.


If you live in Michigan and you need to get your car insured but cannot find the right place to do it, then this article will give you some information on how you can find cheap car insurance Michigan, in the comfort of your own home. Here are a few things to help you get started.
One of these first things you can do is check through your local phone directory and find a list of insurers that are available in your local area. Once you have the phone numbers, make a list of some of the information that you may be asked when you call up. This may include what type of car you drive, how old you car is, have you had any accidents that were your fault, if so what date and year was it? If you have this information ready and on hand then you can easily answer any questions that may be asked.
When you call up remember you are only inquiring. See if you can get a quote of how much insurance will cost if you choose this particular company. Remember you do not have to take the first offer that is given to you, let the person on the phone know that you will have to think about it and get back to them. This will give you a chance to call up other insurers and collect quotes off them. By doing this you will be able to compare the companies and the quotes provided, to see which one has the better deal. This is a great way to finding cheaper insurance for your car.
If you want to expand your search then a suggestion of using the internet would be the next step. There are many different websites that are available that can give you free quotes for your car. Some of these sites specialize in selling this type of insurance and can be quite helpful. But always remember to compare the different sites and not jump straight into the first one you see. This is important so you can find the cheapest one possible.
If you are unsure about buying it off the internet then do a little research into the background of a desired company. For example do they respond to questions quickly, how long have they been in business, do they have easy to find contact details? Take everything into consideration when buying off the internet.
So if you are looking for cheaper car insurance then why not take the time to do your research and expand your searching field. This way you will be able to find the cheapest you can at an affordable price.


Article Source: http://EzineArticles.com/4625119
If you live in Michigan and you need to get your car insured but cannot find the right place to do it, then this article will give you some information on how you can find cheap car insurance Michigan, in the comfort of your own home. Here are a few things to help you get started.
One of these first things you can do is check through your local phone directory and find a list of insurers that are available in your local area. Once you have the phone numbers, make a list of some of the information that you may be asked when you call up. This may include what type of car you drive, how old you car is, have you had any accidents that were your fault, if so what date and year was it? If you have this information ready and on hand then you can easily answer any questions that may be asked.
When you call up remember you are only inquiring. See if you can get a quote of how much insurance will cost if you choose this particular company. Remember you do not have to take the first offer that is given to you, let the person on the phone know that you will have to think about it and get back to them. This will give you a chance to call up other insurers and collect quotes off them. By doing this you will be able to compare the companies and the quotes provided, to see which one has the better deal. This is a great way to finding cheaper insurance for your car.
If you want to expand your search then a suggestion of using the internet would be the next step. There are many different websites that are available that can give you free quotes for your car. Some of these sites specialize in selling this type of insurance and can be quite helpful. But always remember to compare the different sites and not jump straight into the first one you see. This is important so you can find the cheapest one possible.
If you are unsure about buying it off the internet then do a little research into the background of a desired company. For example do they respond to questions quickly, how long have they been in business, do they have easy to find contact details? Take everything into consideration when buying off the internet.
So if you are looking for cheaper car insurance then why not take the time to do your research and expand your searching field. This way you will be able to find the cheapest you can at an affordable price.


Article Source: http://EzineArticles.com/4625119
If you live in Michigan and you need to get your car insured but cannot find the right place to do it, then this article will give you some information on how you can find cheap car insurance Michigan, in the comfort of your own home. Here are a few things to help you get started.
One of these first things you can do is check through your local phone directory and find a list of insurers that are available in your local area. Once you have the phone numbers, make a list of some of the information that you may be asked when you call up. This may include what type of car you drive, how old you car is, have you had any accidents that were your fault, if so what date and year was it? If you have this information ready and on hand then you can easily answer any questions that may be asked.
When you call up remember you are only inquiring. See if you can get a quote of how much insurance will cost if you choose this particular company. Remember you do not have to take the first offer that is given to you, let the person on the phone know that you will have to think about it and get back to them. This will give you a chance to call up other insurers and collect quotes off them. By doing this you will be able to compare the companies and the quotes provided, to see which one has the better deal. This is a great way to finding cheaper insurance for your car.
If you want to expand your search then a suggestion of using the internet would be the next step. There are many different websites that are available that can give you free quotes for your car. Some of these sites specialize in selling this type of insurance and can be quite helpful. But always remember to compare the different sites and not jump straight into the first one you see. This is important so you can find the cheapest one possible.
If you are unsure about buying it off the internet then do a little research into the background of a desired company. For example do they respond to questions quickly, how long have they been in business, do they have easy to find contact details? Take everything into consideration when buying off the internet.
So if you are looking for cheaper car insurance then why not take the time to do your research and expand your searching field. This way you will be able to find the cheapest you can at an affordable price.


Article Source: http://EzineArticles.com/4625119
If you live in Michigan and you need to get your car insured but cannot find the right place to do it, then this article will give you some information on how you can find cheap car insurance Michigan, in the comfort of your own home. Here are a few things to help you get started.
One of these first things you can do is check through your local phone directory and find a list of insurers that are available in your local area. Once you have the phone numbers, make a list of some of the information that you may be asked when you call up. This may include what type of car you drive, how old you car is, have you had any accidents that were your fault, if so what date and year was it? If you have this information ready and on hand then you can easily answer any questions that may be asked.
When you call up remember you are only inquiring. See if you can get a quote of how much insurance will cost if you choose this particular company. Remember you do not have to take the first offer that is given to you, let the person on the phone know that you will have to think about it and get back to them. This will give you a chance to call up other insurers and collect quotes off them. By doing this you will be able to compare the companies and the quotes provided, to see which one has the better deal. This is a great way to finding cheaper insurance for your car.
If you want to expand your search then a suggestion of using the internet would be the next step. There are many different websites that are available that can give you free quotes for your car. Some of these sites specialize in selling this type of insurance and can be quite helpful. But always remember to compare the different sites and not jump straight into the first one you see. This is important so you can find the cheapest one possible.
If you are unsure about buying it off the internet then do a little research into the background of a desired company. For example do they respond to questions quickly, how long have they been in business, do they have easy to find contact details? Take everything into consideration when buying off the internet.
So if you are looking for cheaper car insurance then why not take the time to do your research and expand your searching field. This way you will be able to find the cheapest you can at an affordable price.


Article Source: http://EzineArticles.com/4625119
If you live in Michigan and you need to get your car insured but cannot find the right place to do it, then this article will give you some information on how you can find cheap car insurance Michigan, in the comfort of your own home. Here are a few things to help you get started.
One of these first things you can do is check through your local phone directory and find a list of insurers that are available in your local area. Once you have the phone numbers, make a list of some of the information that you may be asked when you call up. This may include what type of car you drive, how old you car is, have you had any accidents that were your fault, if so what date and year was it? If you have this information ready and on hand then you can easily answer any questions that may be asked.
When you call up remember you are only inquiring. See if you can get a quote of how much insurance will cost if you choose this particular company. Remember you do not have to take the first offer that is given to you, let the person on the phone know that you will have to think about it and get back to them. This will give you a chance to call up other insurers and collect quotes off them. By doing this you will be able to compare the companies and the quotes provided, to see which one has the better deal. This is a great way to finding cheaper insurance for your car.
If you want to expand your search then a suggestion of using the internet would be the next step. There are many different websites that are available that can give you free quotes for your car. Some of these sites specialize in selling this type of insurance and can be quite helpful. But always remember to compare the different sites and not jump straight into the first one you see. This is important so you can find the cheapest one possible.
If you are unsure about buying it off the internet then do a little research into the background of a desired company. For example do they respond to questions quickly, how long have they been in business, do they have easy to find contact details? Take everything into consideration when buying off the internet.
So if you are looking for cheaper car insurance then why not take the time to do your research and expand your searching field. This way you will be able to find the cheapest you can at an affordable price.


Article Source: http://EzineArticles.com/4625119
If you live in Michigan and you need to get your car insured but cannot find the right place to do it, then this article will give you some information on how you can find cheap car insurance Michigan, in the comfort of your own home. Here are a few things to help you get started.
One of these first things you can do is check through your local phone directory and find a list of insurers that are available in your local area. Once you have the phone numbers, make a list of some of the information that you may be asked when you call up. This may include what type of car you drive, how old you car is, have you had any accidents that were your fault, if so what date and year was it? If you have this information ready and on hand then you can easily answer any questions that may be asked.
When you call up remember you are only inquiring. See if you can get a quote of how much insurance will cost if you choose this particular company. Remember you do not have to take the first offer that is given to you, let the person on the phone know that you will have to think about it and get back to them. This will give you a chance to call up other insurers and collect quotes off them. By doing this you will be able to compare the companies and the quotes provided, to see which one has the better deal. This is a great way to finding cheaper insurance for your car.
If you want to expand your search then a suggestion of using the internet would be the next step. There are many different websites that are available that can give you free quotes for your car. Some of these sites specialize in selling this type of insurance and can be quite helpful. But always remember to compare the different sites and not jump straight into the first one you see. This is important so you can find the cheapest one possible.
If you are unsure about buying it off the internet then do a little research into the background of a desired company. For example do they respond to questions quickly, how long have they been in business, do they have easy to find contact details? Take everything into consideration when buying off the internet.
So if you are looking for cheaper car insurance then why not take the time to do your research and expand your searching field. This way you will be able to find the cheapest you can at an affordable price.


Article Source: http://EzineArticles.com/4625119
If you live in Michigan and you need to get your car insured but cannot find the right place to do it, then this article will give you some information on how you can find cheap car insurance Michigan, in the comfort of your own home. Here are a few things to help you get started.
One of these first things you can do is check through your local phone directory and find a list of insurers that are available in your local area. Once you have the phone numbers, make a list of some of the information that you may be asked when you call up. This may include what type of car you drive, how old you car is, have you had any accidents that were your fault, if so what date and year was it? If you have this information ready and on hand then you can easily answer any questions that may be asked.
When you call up remember you are only inquiring. See if you can get a quote of how much insurance will cost if you choose this particular company. Remember you do not have to take the first offer that is given to you, let the person on the phone know that you will have to think about it and get back to them. This will give you a chance to call up other insurers and collect quotes off them. By doing this you will be able to compare the companies and the quotes provided, to see which one has the better deal. This is a great way to finding cheaper insurance for your car.
If you want to expand your search then a suggestion of using the internet would be the next step. There are many different websites that are available that can give you free quotes for your car. Some of these sites specialize in selling this type of insurance and can be quite helpful. But always remember to compare the different sites and not jump straight into the first one you see. This is important so you can find the cheapest one possible.
If you are unsure about buying it off the internet then do a little research into the background of a desired company. For example do they respond to questions quickly, how long have they been in business, do they have easy to find contact details? Take everything into consideration when buying off the internet.
So if you are looking for cheaper car insurance then why not take the time to do your research and expand your searching field. This way you will be able to find the cheapest you can at an affordable price.


Article Source: http://EzineArticles.com/4625119

Jumat, 26 Mei 2017

Cheaper Health Insurance For Everyone - Here is How to Get Cheap Health Cover

No matter where you look these days you see ad's telling you that this company over here or that company over there has the lowest prices available for health insurance. Most times though if you look a little bit closer at their claims you often find that while the price may be one of the lowest around, the level of coverage you get for that price is substandard to other policies that are available out there.

You and I both know that health care, even just things like regular checkups have very large price tags attached to them. Not to mention more extensive stays in the hospital. This is why everyone, no matter their age or how fit they are needs to be covered by good quality and cheaper health insurance for everyone.

One of the biggest assets that a consumer has when shopping for health insurance policies is that very same competition between companies, out to out bid each other and get you as one of their customers. This easily give you the edge needed to take and compare different policies from different companies and pick out the plan that works best for your personal needs. If you have a company you prefer to do business with you may even be able to use that quote from the competition and get your preferred company to lower their price.

You just need to make sure that you go over each policy individually, ask questions if you have any to clarify something and then compare them to each other. Looking over the terms used in the paperwork can easily leave you with more question then you had when you first started, but take your time when looking over what plan has to offer you. There is cheaper health insurance for everyone. You just need to look for it.

I know it may seem like it is a lot of work, but it won't take you long before you can find the right plan for your health needs that at the same time is easier on your budget. Plus, the costs involved are nothing compared to the possibility of ending up going to the hospital and even just a few days stay that can empty out any saving you have and put yourself into an immense amount of debt. Looking online can save you a lot of time and money and this is the best place to find cheaper health insurance for everyone and get the best cover.


Jumat, 19 Mei 2017

Handling Your Motor Vehicle Accident With Your Own Insurance Company

This “How To” article is crucial, up-to-date information concerning what to do if your insurance company is giving you a hard time (regarding your own motor vehicle accident claim with them) and you’re positive it’s “Legit”. If there’s some problems with whatever position they’ve taken regarding your Property Damage Loss (or any other coverage-questions they may be ducking/stalling/ignoring and/or disputing) you don’t have to sit back and take it!

You DO have options to settle your dispute and you should proceed as follows:

#1. FIRST, LET YOUR AGENT KNOW YOU’RE UNHAPPY: Ask them to go to bat for you. If they sit on their butt (afraid or “too busy” to get “involved” with your “problem”) find out the name and phone number or your insurance companies nearest Claims Department. Contact them and ask for help. (Never forget, you’re their insured, your premium’s pay their salary). If the person you’re talking to attempts to handle your problem with uncaring indifference, just like your agent has, than find and talk to that individual’s boss - - The Vice President of Claims and/or whomever.

#2. BE PREPARED TO SUPPORT YOUR CASE: Have ready all documents, plus a covering letter (to snail mail to that person your finally talking to) proving your point and explaining why you’re not satisfied. (Send it to them PERSONAL AND CONFIDENTIAL - - with a signed “Return Receipt” requested).

#4. CONTACT YOUR LOCAL INSURANCE DEPARTMENT: If you’ve followed your insurance company’s rules for resolving a dispute, and you’re still not satisfied, your own Local Insurance Department can help you. You can reach them by phone, or mail, or often online.

WHAT THEY CAN DO FOR YOU: Many insurance departments offer on-the-phone assistance to help resolve the “Problem” without requiring you to file a formal “Written Complaint“. Most post their complaint forms on their Web sites, allowing you to print out the document, complete it at home, and mail it to them. (If they don’t have a web site ask that they snail mail their “Written Complaint” form right out to you) !

After you provide them with all the necessary information (including your policy or claim number and supporting documentation) they will notify the insurance company (or agent) you’re complaining about. The company (or agent) is then required to respond to the department within a certain amount of time, usually between 10 to 30 days, depending upon the area where you live.

Upon receiving a reply, Insurance Department officials will dig deeper, trying to determine what can and should be done. This process usually takes about 30 days.

If the Insurance Department decides against the agent or the insurance company (which is clearly stated - - and one both your insurance company and your agent know to be a fact of their business life they‘d prefer not to get hung up on - - nor be forced to deal with) the Insurance Department has the power to levy a variety of penalties, ranging from a fine to actually revoking the license of the agent or company. (When it comes down to the nitty-gritty, these departments have all the power they need to penalize companies that are deliberately ducking or dragging their feet).

After reading the above, you may want to consider hiring an attorney to represent you because it can get complicated! If you do, find one who specializes in Auto Insurance. Attorney’s work either at an hourly rate or on a “Contingency-Fee Basis“, depending on the type of case. If you decide to go that route be sure to get your lawyer’s “Fee Structure” in writing. And (to remain current on the progress of your claim) insist that you receive copies of all correspondence. PLUS: Be sure your lawyer knows that he or she must have your agreement - - before committing to any settlement!



Jumat, 12 Mei 2017

What Is Meant By Automobile Insurance Standard Coverage?

Automobile insurance standard coverage is the basic amount of insurance coverage that is required by law in order for an individual to legally operate a motorized vehicle. You can simply it even further with the blanket statement as being the mandatory amount of auto insurance coverage a driver must possess.

The most important part of anyone's car insurance policy is the liability coverage. This coverage protects the consumer against the cost of damages and injury that is a direct result of that same consumer if they are the cause of a vehicular accident. For instance if you're driving down the road and accidentally run into another person's car this insurance coverage will pay for the damages that result due to the accident.

The liability coverage is further broken down into two subsections. The first is bodily injury liability. This covers and personal injury inflicted by yourself upon others during a car accident. The second subsection is property damage liability. As you may have guessed this is your insurance protection against any damage you cause to another individuals property, usually their car.

Although coverage amounts can vary it is generally suggested that a good baseline of automobile insurance standard coverage should be 100/300/100. This can be read as $100,000 worth of bodily injury caused to another person, $300,000 towards bodily injuries for everyone involved and $100,000 for property damage. With rising medical costs and outrageous car prices this would be the absolute minimum insurance protection I would personally carry in my automobile insurance standard coverage. However, each state is different and you will need to check to see what their car insurance laws constitute as a minimum coverage amount.

If you are in a financial crunch and need a way to save money on your insurance policy try to avoid retaining only the minimum amount of coverage required by your state. Instead try raising your deductible amount (the amount you pay first in the event of an accident before your insurance company kicks in with its payment). You will find that by raising the amount $500 or $750 will significantly lower the monthly costs of your automobile insurance standard coverage.

Two other policies that exist include the medical payments insurance which provides for the immediate treatment of injuries sustained during an auto accident. Anyone riding in your vehicle to include yourself is covered, regardless of who is at fault for the accident. The second policy is commonly known as PIP or personal injury protection, is similar to medical payments coverage, but usually provides broader coverage. Many PIP policies provide compensation for lost wages, funeral expenses, and pain and suffering. Again you will need to check with your state insurance laws for further clarification if you are required to have this additional coverage.

Finally as a safety measure against law breaking individuals who illegally drive without insurance there is uninsured motorist insurance when the other driver has no liability coverage and underinsured motorist coverage which pays for the cost of your injuries that exceed the other driver's coverage maximum. As before with the PIP coverage you will need to make sure whether or not your particular state requires these forms of coverage as part of their automobile insurance standard coverage.

Jumat, 05 Mei 2017

Inside-Information Regarding Your Motor Vehicle Accident Insurance Claim

Here's some "Inside-Info" you must know so you won't be taken advantage of on your motor vehicle accident insurance claim and also: SO YOU CAN COLLECT EVERY DOLLAR THAT'S OWED TO YOU !

The following 8 are just "The Tip Of The Iceberg":

#1. There are situations where you can collect for your "Lost Wages" even if you were paid by your employer and/or collected "Sick Leave" while unable to work.

#2. You can collect money and be reimbursed for any and all "Over The Counter" (non-prescription) medication you purchased during your recovery.

#3. Under normal circumstances unless a claim ends up in court (several years after impact has taken place and you are fully recovered) you do not have to agree to be examined by the insurance company's doctor.

#4. There are many times that come to pass where you are entitled to collect the "Gross Amount" of your lost wages, not the so-called "Net After Taxes".

#5. If you're a housewife, you can often recover for "Lost Wages" (based on the "Value" of a maid or a domestic servant, who would execute the same work) which you could not perform due to the injury.

#6. You are entitled to extra compensation if you can prove you were forced to cancel a vacation and/or a special event.

#7. Under certain circumstances you may be able to make a claim (and collect for) a personal injury even if your state is "No-Fault" and you already have PIP (Personal Injury Protection) coverage.

#8. Your friends, and even relatives, have the right to execute statements which you can send to adjusters (and/or anybody you feel should get one) going into detail as to what happened to your body and what they've observed you've had to deal with (via your "Pain and Suffering") during your period of recovery.

These statements can often provide you with an even greater dollar value - - when it comes to the calculation and then the ultimate settlement of your personal injury claim!

DISCLAIMER: The above article "INSIDE-INFORMATION REGARDING YOUR MOTOR VEHICLE ACCIDENT CLAIM" is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga,nor ARTICLE CITY any guarantee of any kind whatsoever, NOR to they purport to engage in rendering any professional or legal service, substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired IT IS THE INDIVIDUAL'S RESPONSIBILITY to obtain it.


Here's some "Inside-Info" you must know so you won't be taken advantage of on your motor vehicle accident insurance claim and also: SO YOU CAN COLLECT EVERY DOLLAR THAT'S OWED TO YOU !
The following 8 are just "The Tip Of The Iceberg":
#1. There are situations where you can collect for your "Lost Wages" even if you were paid by your employer and/or collected "Sick Leave" while unable to work.
#2. You can collect money and be reimbursed for any and all "Over The Counter" (non-prescription) medication you purchased during your recovery.
#3. Under normal circumstances unless a claim ends up in court (several years after impact has taken place and you are fully recovered) you do not have to agree to be examined by the insurance company's doctor.
#4. There are many times that come to pass where you are entitled to collect the "Gross Amount" of your lost wages, not the so-called "Net After Taxes".
#5. If you're a housewife, you can often recover for "Lost Wages" (based on the "Value" of a maid or a domestic servant, who would execute the same work) which you could not perform due to the injury.
#6. You are entitled to extra compensation if you can prove you were forced to cancel a vacation and/or a special event.
#7. Under certain circumstances you may be able to make a claim (and collect for) a personal injury even if your state is "No-Fault" and you already have PIP (Personal Injury Protection) coverage.
#8. Your friends, and even relatives, have the right to execute statements which you can send to adjusters (and/or anybody you feel should get one) going into detail as to what happened to your body and what they've observed you've had to deal with (via your "Pain and Suffering") during your period of recovery.
These statements can often provide you with an even greater dollar value - - when it comes to the calculation and then the ultimate settlement of your personal injury claim!
DISCLAIMER: The above article "INSIDE-INFORMATION REGARDING YOUR MOTOR VEHICLE ACCIDENT CLAIM" is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga,nor ARTICLE CITY any guarantee of any kind whatsoever, NOR to they purport to engage in rendering any professional or legal service, substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired IT IS THE INDIVIDUAL'S RESPONSIBILITY to obtain it.


Article Source: http://EzineArticles.com/9215