It is common for individual health insurance policies to exclude applicants for a variety of factors. One of the most significant is the potential policyholder's weight. In most cases, a person with a BMI (body mass index) over 30--which is considered obese--will have to pay a higher monthly premium. This is due to the increased likelihood of them needing expensive treatment. Depending on how overweight a person is, they may be...more
There is a difference in the Indian Thali and the American Pizza, there is a difference in the Indian Bollywood and American Hollywood, there is a difference in Dr. Manmohan Singh and Mr. Barack Obama, and there is a difference in the Indian health Insurance and the American Health insurance sectors. Some of these differences are distinct, while the others are subtle.The Differences are- Mandatory coverage / voluntary...more
You have decided to buy a health insurance policy and have opted for the online mode since you get multiple choices, instant results and you can make the final choice without being pressurized by ‘friendly' agents or whoever. But there is a glitch… When you started out, you thought it would be an easy decision to make but with 21 insurance companies selling health insurance and so much of data available, you are finding it difficult to make a decision. Also with the different parameters available, there are some policies which are great in one aspect but bad in others…Firstly, get the advice of a Health insurance Broker- The reason that we are asking you to do this is because even with all the options available, it is not very easy to select a product. A health insurance broker has the expertise and the knowledge to give you the most neutral advice to choose a product suitable to your needs. Even when all the policy conditions are mentioned in the policy, finer insights (for ex., some health insurance companies have increased their premiums three times in the last 2 years) is something only a broker can provide you with. Unlike agents/financial advisors who...more
If the policyholder fall victim to an accident or incident, the coverage will cover the holder, if he is unempoyed. Most insurance policies won't cover holders that are suffering prior to taking out the policies. Likewise, in case you are undergoing life-long illnesses or disease when you apply for critical illness policies, you won't be allowed to...more
Being on the other side of 50, you would know that your own health expenditure is going up day by day. To make matters worse the cost of the different medical costs are going up too. And if you have still not retired, then you are surely close to retirement. This means that you have very little resources to cover your health needs....more
You must know that to ensure total coverage of your health needs, you can not depend on just the Medicare services. These services have a number of gaps and it ends up covering for just a part of your health oriented expenditure. For complete coverage you need to depend upon the Medicare supplement insurance.Does that ring a bell? If it does not, then let me remind you of the Medigap policy. Well the medical supplement insurance is more commonly known as Medigap. Since the government is not able to cover for all your health insurance requirements, the medical health insurance companies have been assigned 12 different standardized plans to help you not to burn a hole in your pocket for these various kinds of health requirements. They have several kinds of supplement insurance quotes. Read on to know more about them.For complete medical health insurance coverage, you definitely need to choose a medigap policy. But how do you choose the medigap policy. You need to check with the State department of Medicare supplement insurance, as to which are the different medigap policies that are there for you. You might also be referred to the SHIP. SHIP is a program that is funded...more
Before finalizing any contract or policy with any insurance company, it is important to know how to start selecting the most suitable health insurance in Virginia. Buying a medical insurance policy requires important measures and...more
The cost of buying cameras, lens and lights are major investments for a professional photographer. It may be time to investigate photographers insurance to protect that investment. These tools are essential for a photographer to capture the images...more
Life insurance is designed to replace your income stream should you die, so that your dependents will be able to maintain a normal standard of living. Life insurance is not, I repeat not designed to fund your retirement or pay your...more
If you are a concerned individual with regards the surety of your future, you would certainly be attracted into getting a life insurance that you think would best fit your needs. It has been assessed that in the American society alone, almost 54% of...more
If you are denied health insurance due to a pre-existing medical condition such as diabetes, cancer, heart disease or another illness, there is still hope that you will be able to obtain health insurance coverage. Although most people become...more
If you only got your driver's license a few weeks or months ago, getting car insurance for new drivers could be hard for you. Even though the process of getting insurance policies for new drivers is pretty much the same with the...more