Property Insurance

We all know it can be very difficult to obtain insurance coverage for vacant properties need we have in our possession. That because most insurance companies consider that there is more risk of a property that is vacant, as opposed to personal property occupied. They believe it is the increased risk of things like vandalism and illegal occupation, among others. These types of properties are subject to vandalism as no one on the property to deter them. There is no fear of being discovered and therefore feel more courageous roaming around the place. Are free to destroy property by fire or break from the windows, because they are common for many people who had to deal with the vandals.






Another problem with the vacant property insurance is squat. Squatters may occupy empty houses, as long as you can, if the negligence of the owners to keep an eye on your property. This will lead to the squatters who have their way all over the place and the damage they cause around the place too. There are certain types of damages are not very obvious at first but can lead to the development of more serious problems as they pass unnoticed. One last thing to consider with vacant property insurance if the property is to be leased for the future. There are several insurance companies who believe that tenants are very destructive and can lead to a lot of damages to be paid. Not everyone has the opportunity to gain the confidence of tenants will take care of the place as their own.
There are many reasons why the vacant property insurance is required and includes events in which it was the death of former owner and where the property ends up being for sale. You may also be times when the property is in the process of transfer of ownership or complete repairs on the property, it is not suitable for occupancy. This is where you specifically make sure they are covered by insurance.
Those who offer insurance vacant property must also ensure that there is a reduced likelihood of withdrawal as such they intend to cover. Procedures such as regular inspection of the property, closing all windows and mailboxes, and other forms of risk management procedures necessary to ensure that they are not on the losing side . There are even cases where coverage property insurance may not reach certain areas.
Looking for the right type of property insurance may take a little vacant. It is not wise to rush as you can not be satisfied with their coverage or the price thereof. You better get quotes from many different companies and compare all policies before making that they want assurance of vacant property.

Principles of insurance

From the perspective of the insurer There are four general criteria for deciding whether to insure events.
1. There must be a greater number of similar objects so the financial result of the insurance pool exposure is predictable. Therefore, they can calculate a premium.
2. The loss must be inferred from the standpoint of the insured.
3. The loss must be measurable, identifiable in location, time and be ready. They also want to losses cause financial problems. This means that the insured has an interest to protect and preserve the property to minimize the probability of loss.
4. The potential loss to the insurer must be non-catastrophic. He can not put the insurance company in financial peril. Losses must be uncertain.

Cheap Home Insurance

Each owner is seeking the right home insurance, insurance rates cheap with superior coverage. HomeInsurance.com and it is possible to have both. How can we ask? We buy the largest providers of home insurance in the country to find the quotes cheap home insurance you need, while providing the highest quality coverage.

Choosing North Carolina Insurance

Motorists and Tar Heel State has many options and alternatives to want to get insured and choosing the right auto insurance can be a difference in getting adequately protected from accidents or pay out of pocket expenses. In addition to the minimum coverage of state, consumers also need to know more protection would be useful to see if they can be acquired. Currently, all motorists will have to do within the limits of liability coverage of $ 30,000 for injury to a person, $ 60,000 for injury accidents and property damage and $ 25,000 (commonly abbreviated as 30/60/25). Despite these limitations are higher than those of many other countries, it is often recommended that people prefer greater protection, such as 100/300/50.
According to motor vehicles North Carolina General Statute 20-279.21 (b) (3) and (b) (4), as Jan. 1, 2009, all NC auto insurance to be sold or renewed uninsured / underinsured motorist coverage ( UM / UIM). Limits must be equal to the maximum extent of injuries that policy. Therefore, if you have multiple vehicles policy, UM / UIM limits must be the responsibility of the vehicle injuries. The same approach may want to purchase this protection and the maximum value that can afford to buy. Unfortunately, because of an economic downturn, it is estimated that one of six drivers is not in force policies, this coverage can be very useful if struck and injured by motorists, or if involved in an accident where the insured, who chose a minimum and their policy may not cover medical expenses.

Optional NC Auto Insurance Coverage

There are many opportunities that North Carolina can choose to not prescribed by law, but must be considered. One of the most common add-ons are comprehensive and collision coverage to cover physical damage to the insured car, and this is particularly true among people who are financing cars. In general, finance companies require customers to maintain this protection at maturity of the loan under the contract. As the car used as collateral for the payment is received, the lender requires that the vehicle is covered if something happens to the vehicle. Many times, if a bank finds that a vehicle is not insured, they will buy a compulsory insurance and cost to the customer at a price which is usually much higher than if the consumer would have bought the coverage on your own hand.
Comprehensive and collision can also claim the cost on those who own a vehicle with a certain value. It is often proposed to remove this protection when a car worth less than the premium and deductible, but the vehicle worth $ 5,000 or more, can be difficult to replace the owner expense, the premium may be worth paying the vehicle must have seriously damaged or stolen.

Other types of optional coverage includes medical payments, towing and labor and rental reimbursement. Medical expenses cover costs necessary and reasonable medical and funeral services bought up borders, which will cover the policyholder, family members and people in the insured vehicle. Towing and labor will pay for the cost of towing a vehicle and also pay the insured if keys are lost, broken or locked in a car. Rental reimbursement will pay for the cost of renting a replacement vehicle while the insured vehicle is being repaired or waiting for a solution to be deployed in a total loss or theft of car, and it is usually fairly inexpensive and can pay hundreds of dollars in rental income of a thesis. For a more detailed breakdown of coverage options, residents can also see the North Carolina Consumer Guide Automotive Insurance, which also offers tips on how to save money, a description of how prices are determined and advice to the pilot at high risk, but a lot of information

Car Insurance

For the average consumer, buying car insurance is an issue somewhat bitter. After all, most drivers are required to purchase auto insurance and can leave a bitter taste in the mouths of the people. Many people prefer to have the opportunity to decide for themselves or will not be buying a political vehicle. The fact of the matter is that a policy of automobile is a precious commodity and why states require that it is not intended to punish those who choose to occupy the streets, but to protect and buy the right amount can provide optimal protection.




If the local government has allowed motorists to drive without insurance, the sad fact of the matter is that it was unlikely that many more uninsured motorists using the road, as it is, it is estimated that 1 in 6 uninsured motorists driving in the United States. Allow motorists to drive without policies would mean tons of unpaid injuries and damage to property and the rooms flooded and many trials. It does not mention the hospital bills in circulation. All these factors lead to high premiums and health care for the rest of the citizens. Therefore, auto insurance is mandatory, but consumers must also understand how much car insurance should be purchased. Just because a law requires the state to a certain level of protection does not mean it will suffice in the case of an accident.

Home-Based Business Owners, You Need Insurance Coverage

When you start a home based business, buying insurance can be a top priority, but can not afford to ignore it. In case of unexpected - and - insurance can mean the difference between success and failure in home-based business. You can not take all insurances are listed here, but when some time to consider your insurance needs can save you money and headaches in the future. Eventually, after reading this article, the best way to determine the full needs to hear your insurance agent. Explain to them the home based business information and he should be able to determine the best insurance for you (and all employees).

Income protection insurance

Introducing Guardian Income Protection Insurance

Guardian Protection With Income Insurance is a range of flexible combinations of insurance for your needs. There are income protection insurance ~ wide, this insurance provides a monthly income if, as a direct result of a disability, or damage your health, loss of income, ~ where you can search by their own means. In addition to the monthly income allowance, a benefit of waiver of premium and disability benefits provided by the recurrent policy. Plus there are a number of optional services that you can use with your income protection:



* ~ Rehabilitation pays a benefit of additional income to contribute to the costs of the rehabilitation program, plus an advantage to pay for the return to labor costs such as special equipment to help you re-enter the workforce or changing workplace .
* ~ At the outbreak of general insurance, this insurance covers up to $ 1,000 per month for up to six months if the household is unable to perform household chores due to illness or injury. * ~ Finally legal fees up to $ 50,000 benefit paid upon death to help with final expenses.
* Children ~ insurance lump sum benefit payable in case of accidental death or paralysis, blindness, deafness, total and permanent loss of use of two limbs, encephalitis, meningitis or a major head injury of insured children.

Origins of Formal Marine Insurance

Marine insurance was first developed form of insurance, from Greek and Roman maritime loans. Separate policies of marine insurance were developed in Genoa and other Italian cities in the fourteenth century and spread to northern Europe. Premiums varied with intuitive estimates of the risk variable seasons and pirates







The modern origins of marine insurance law in English law, were in commercial law, with the introduction in England in 1601 in a special chamber of assurance separate from other jurisdictions. Lord Mansfield, Lord Chief Justice in the middle of the eighteenth century, began the merging of commercial law and common law principles. The implementation of the Lloyd of London insurance companies in the competition, especially in infrastructure development (such as brokers, maritime law admiralty, and bankers), and the growth of the British Empire English law gave importance in this area is extensive and remains the basis of almost all modern practice. The growth of London insurance market led to the unification of policy and jurisprudence of the law of marine insurance. In 1906, the Marine Insurance Act was passed which codified the previous common law, is both a comprehensive and concise piece of work.

In the 19th century, Lloyd and the Institute of London Underwriters (a grouping of London company insurers) developed including standard clauses for use in marine insurance, and have remained ever since. They are known as the Institute Clauses because the Institute covered the cost of publication. In the general direction of the Insurance Law and the parties retain a considerable Institute clauses freedom of contract between them.

Dental Insurance

Even if you have dental insurance through your group insurance plan or as a supplement to your individual health insurance, you should consider to compare price and coverage you currently receive against a proposed autonomous individual dental insurance. You can see that the coverage offered by an insurance company specializing in dental insurance than your current coverage at a relatively low price. With the high costs associated with most dental treatment outside the normal cleaning and x-rays, you can also find it advantageous to purchase additional dental care to supplement the coverage you already have. Select your state below and consult several brokers and agents are built to see if an affordable dental plan is good for you.

Similar to health insurance, there are many types of dental care. Standard plans individual dental insurance plans include dental HMO and PPO dental plans. HMO dental plans require that you select a dentist or dental group to manage all your dental needs. PPO dental plans allow you to choose from a list of many different dentists in your area. There are also plans dental discount. These are not dental insurance, but can give you the freedom to visit many dentists at substantial discounts over their standard fees. Although they are increasingly rare, the indemnity dental insurance plans are also still available and give the freedom to choose the dentist of your choice at a higher out of pocket expenses.

Most people who have an individual or family dental insurance plan, it has available to them under a group insurance plan employer-sponsored dental benefits. Others may have a health plan where the individual insurance dental insurance is an additional option available to them by the same insurance company. Whatever the type of dental care you have, you should consider various options for individual health insurance available either as a replacement at an affordable price for your current plan or a supplement for additional coverage. As most people are ready, the fees that dentists are meaningful. Whatever the type of dental care you have, is designed to help meet the high costs dental. Most plans individual dental insurance tend to focus on preventive dentistry, as it reduces costs in the long term due to poor dental hygiene and lack of inspection and regular cleaning .

Protecting your family.

You buy health insurance for the same reason you buy other insurance - to protect your family. You can not predict when you might need medical attention. In good times, health care costs may be low, but if you or someone close to getting sick, the bills can easily accumulate. In case of illness, the price is the last thing you want in your mind. Without health insurance, the serious injury to you or a family member can lead to financial ruin.

Health Insurance

Health insurance that protects against the high cost of medical care. Many people in the United States get health insurance through their employers. In most cases, the employer helps pay for this insurance. Insurance employers often with a managed care plan. These plans contract with health care providers and medical services to meet members at a reduced cost. You can also purchase health insurance on their own. Usually costs more assurance that the employer. People who meet certain requirements may be eligible for government health insurance such as Medicare and Medicaid. If you do not have insurance, you must pay your medical bills directly or rely on health care providers or organizations that provide care.

STATE LIFE INSURANCE POLICIES

Period between Survival Benefit due date & maturity date	Special Reversionary Bonus per Rs.1000 Survival Benefit	Period between Survival Benefit due date and maturity date	Special Reversionary Bonus per Rs.1000 Survival Benefit
20 years	Rs. 3,165	9 years	Rs. 1,005
18 years	Rs. 2,765	8 years	Rs. 845
16 years	Rs. 2,350	7 years	Rs. 695
14 years	Rs. 1,940	6 years	Rs. 555
12 years	Rs. 1,545	5 years	Rs. 420
10 years	Rs. 1,175	4 years	Rs. 300

Special Reversionary Bonus

This bonus is only intended Profit-Pak rupee Endowment Assurance policy. If the insured to provide survival benefit is the life of the State Special Bonus is added to the property within six months from date of survival benefit. Policies, which were valid for the entire sum insured that the benefits of survival is due to expire in 2010, the insured chooses to leave, the assets of the special bonuses are permitted as above


Terminal Bonus terminal bonus

is available to anyone with a political victory of Pak rupee valid for the entire sum insured, unless the policy should Endowment. It paid only at maturity or death before the life insured in 2010 and provides no surrender value. Condition of the right of this bonus is that more than ten years of contribution against the policy. Currently, the number of bonus is Rs.50 per thousand sum is confirmed each year, the fee will be paid in 10 years requires more than Rs.1000 per thousand sum insured. Consult your State Life Zone office the other terms and conditions of this bonus, and details of any bonus related to politics

Special bonus special terminal

Terminal on current rates is available to anyone with Pak Rupee policies benefit in effect for the full amount guaranteed. It is payable at maturity of the policy in 2010 and has no cash value. It is attached to policies where the Family Income Benefit (FIB) additional coverage was in force for over 10 years. Currently special terminal bonus is Rs.10 per thousand sum assured for each base year for over ten years FIB has been in effect, provided that one of the 200 rupees per thousand of the maximum sum assured. This premium is also payable under the policy of child protection and child education and marriage plan has integrated FIB. Contact your state of life office areas for other terms and conditions in connection with this bonus, and the details of total bonuses attached to your policy.

Millennium bonus

Goals bonus was announced in the actuarial valuation as at December 31, 2000 for all policies with Pakistan rupee profit. Be paid in full upon maturity or death before the insured. To redeem this bonus, a policy must be valid for the total sum insured at December 31, 2000 and 2001 premiums must be paid in 2001. The subsidy rate is Rs.51 per thousand sum assured. This is just one more than once. Millennium Bono also acquires a surrender value of policies in force if the full year for five years premiums have been paid and the policy in force for at least five years, the full policy. Contact your state of life zone for the other terms and conditions of this bond and the details of total bonuses attached to your policy.

Golden Jubilee Bonus

This bonus was announced in the actuarial valuation at 31 December 1996 for all profits policy with Pak rupee at the fiftieth anniversary of independence of Pakistan. It is payable at maturity of the policy or early death of the life insured and has no cash value. To redeem this bonus, a policy that applies to the entire amount guaranteed for 31 December 1996 and premiums due in the year 1997 payable in 1997. The subsidy rate is Rs.50 per thousand sum assured. This is just a time bonus. Contact your state of life office areas for other terms and conditions in connection with this bonus, and the details of total bonuses attached to your policy.


Specified Major Surgical Benefit

Defined the main advantages of surgery was reported in 1992, actuarial valuation. This advantage was maintained in 2009 revaluation. This benefit is available to all and the policy of non-profit, which is in full force at December 31, 2009, and has continuously maintained for at least five years of full policy after surgery. The biggest advantage of these policies is Rs. 250 000 / -. If, however, is a non-profit policy is completely valid for the year December 31, 2009, and continues to be valid for at least ten years, the full policy after surgery, the biggest advantage of these policies is Rs. 500, 000 / -.

These policies, if the life insured suffers a specified major surgery during the period between the assessment of January 1, 2010 to December 31, 2010, on account of a terrible disease specified, the Company to pay 50% of the basic insurance [if given the staffing plan, 50% of the amount remaining after deduction provided a survival advantage because (s)], by paying above the specified maximum. The amount payable will be adjusted in future payments of politics as survivors benefits, claims or demands on the maturity of death.

STATE LIFE BONUSES ASSURANCE

Reversionary Bonuses per thousand of sum assured to with profit Pak Rupee policies
Description of Plans	For first five policy year	From 6th policy year to 16th policy year	From 17th policy year onwards
Whole Life	60	110	150
Endowments *
Term of policy (in years)
20 years and over	50	94	130
15 to 19 years inclusive	35	81	81
14 years and less	20	66	-
Sada Bahar Plan
Term of policy (in years)
20 years and over	44
15 to 19 years inclusive	31
14 years and less	24
Anticipated Endowments **
Term of policy (in years)
20 years and over	35	69	100
15 to 19 years inclusive	25	59	59
14 years and less	19	53	-

STATE LIFE INSURANCE

WHOLE LIFE ASSURANCE POLICIES

This is a unique combination of protection and savings on a very low price. Death at any time before the age of 85 years will stop paying premiums and premiums and bonuses paid wages. In the case of the insured survives the policy anniversary at age 85 years, the maturity of the contract and the sum assured plus bonuses. Under this plan, premium rates are generally much higher than other plans and they help to increase not only protection but also the element of the policy of substantial investment. This plan is best suited for youth who have early stages of their careers and can not afford to pay high premiums. People who expect to request a lump sum in the distant future may also choose this plan.

PAKISTAN POSTAL LIFE INSURANCE

Postal Life Insurance is the oldest organization of its kind in the subcontinent. Built by the British Raj in 1884, initially to provide life-line runners, became gradually extended its services to other public officials as well. However, its benefits were not available to the public until the 1947th After independence, life appeared as a postal central actor in life insurance and offers his services to everyone.



Postal Life Insurance is the brain child of Finance. Pak Post is acting as its agent. However, Director General Pakistan Post is the only responsible, organize and control its operation and marketing of various products. Poste Vita is exempt from corporate and income. All the money invested in the Post Office Insurance Fund oversees the Treasury. Pak Post could force the government to return to the rates of return on investment. This policy guarantees the security of the fund, an attractive return and increase public confidence.
Postal Life is an unbeatable presence in the countryside, because of its broad-mail. Each post is taken. This gives the Postal Life a huge advantage over its competitors in the industry and helps to provide a wide range of insurance policies to customers at the lowest premium, while ensuring the highest bonus on investment. About purchasing policy of any local Deputy Director Postal Life Insurance can be contacted in Pakistan. Deputy Clerks PLI are mainly located in post offices generally. A query for clarification, or resolve, Vice PLI are priorities. Deputy Director General of works dealing with Islamabad in Pakistan Post office G-8 / 4. Phone 92-51-9261571.

Postal Life Insurance Offers 10 profitable options

• Whole life policy
• Joint life endowment policy
• Education and marriage endowment assurance
• Accidental death and permanent disability benefit contract
• Annuity policies
• Endowment policy
• Anticipated endowment (three payment) plan
• Child protection policy
• Non medical policy
• Group insurance

Special Features

• Lowest premium rates
• All policies including paid up participate in profits
• Premium payable on monthly basis and only up to the month of claim
• Payment of premium in cash at any post office in Pakistan
• No maximum limit for ordinary policies
• Revival of lapsed policies on easy terms
• Loan on policies
• Highest rate of bonus
• Open to all
• Rebate on advance payment of premia
• Payment of premia through salary bill deduction
• Non-lapsing of policies of two years duration
• Liberal surrender value of PLI policies
• Payment guaranteed by Government of Pakistan

Insurance Information Institute

Premiums for workers comp industry has dropped 23 percent nationally between 2007 and 2009 is partly due to economic slowdown, job losses particularly in manufacturing and construction, and intense competition among workers compensation insurers for market share. On the positive side, the number of reported injuries continues to decline, lost time claims fell by 4 percent in 2009 (and 54 per cent since 1991), the workplace becomes safer.

What is Auto Insurance(posted on 3-10-2010)

Auto insurance

Car insurance helps you protect yourself and your family against financial loss in case of accident or other cause of loss. It covers injuries and damages caused by an accident for which you are legally responsible. It can also cover the cost of repairing or replacing your vehicle if it is damaged or stolen.


What if I don't have car insurance?

In most states, you must have a minimum amount of liability insurance (or bond) and provide proof of insurance before you can register your vehicle or renew your driver's license. If you are caught driving without auto insurance, you may have to pay a large fine, have a license suspended, and / or impounded his car. Contact your local farmers to know what the specific requirements of your insurance quotes car state.

Auto insurance coverage

The required minimum coverage may be sufficient to pay all damages resulting from an accident and the driver legally liable to pay additional costs out of pocket. You can talk to an agent for treating best auto insurance coverage for your needs and your budget.

How can I keep my auto premiums down?



Generally, the longer you drive without major citations or accidents, the premium. You can also get discounts on safety features in cars. Farmers offers a political strategy to keep prices stable throughout the year. We calculate the premiums for the year and not have to worry about changes in the entire 12 months. E 'FarmersFlex program also allows you to lock your interest rates and the forgiveness of an injury up to 3 years. Also, if you convince the other cars or houses, farmers can save all the contributions. For more information contact your Farmers agent.

Why should I insure my car with Farmers?

With farmers, you get a professional local agent who can offer you insurance coverage to meet your auto, home, life and the needs of small business insurance, which simplifies your life and you can store discounts multiple lines. Your local farmers can you talk about what discounts you may qualify. Operators are required to meet customer needs with exceptional service and customer demands.

Financial Products Overview (posted on 3-10-2010)

Financial Solutions, LLC offers mutual funds, variable universal life insurance and variable annuities. Your Farmers insurance and financial agent for help in the financial strategy that fits your needs and goals. So if it comes to saving for retirement, college, or to protect your family farmers ® can help you towards your financial goals and dreams.

Motorcycle Insurance Overview

This is the road open leather and chrome, the defects of your teeth. When you're riding the last thing you want to worry about whether you have the right insurance policy. Choose the motorcycle insurance that gives you real peace of mind while driving. Farmers offers motorcycle insurance through Foremost ®, the national leader in specialty insurance. Our specialized motorcycle policy provides safeguards standard and optional features, including coverage for accessories, safety equipment and much more. We accept a wide range of motorcycles,

Health care reform beginning Sept. 23, 2010

No pre-existing condition exclusion for children under 19 years. In the past, health insurers could deny children health coverage, either by quoting the rules limiting the benefits of pre-existing conditions coverage or refusing to provide the child at all. The new law health reform requires insurers to cover children of insured patients. "Health plans prior" set up before March 23, 2010 may continue its current policy until 2014, when discrimination based on Medicare existing conditions will be banned.
No arbitrary rescissions of health insurance

Demolition has been widely criticized for the practice of insurance companies were able to cancel the insurance when a patient gets sick. Demolition is based on an inadvertent omission of the original registration documents for the patient or employer. health care reform to abolish the practice, with the exception of intentional misrepresentation or fraud of the patient. All insurance companies have this new rule.

Do not go through a health insurance life insurance

Over 100 million Americans have plans that impose caps coverage. Caps predispose patients to the risk of exhausting the coverage in the midst of a costly procedure, when they need it most. For example, leukemia patients who need aggressive chemotherapy, bone marrow transplant and hospital visits, may exhaust the typical lifetime limit of one million U.S. dollars dollars less than a year. A new provision to prohibit the cross-plant life issued or renewed after September 23.

Patient choice and access to care

It also goes into effect September 23, 2010, provisions to improve patient access to medical care, including preventive services.

Protection of the selection of health care provider

Patients will be able to select and maintain a primary care physician network provider's insurance company. In addition to promoting long-term relationship between patient and physician, this provision encourages patients to receive preventive care, reducing hospitalization rates and costs. The standard also prohibits insurers from requiring a remedy for gynecological and obstetric care

Better emergency services
will no longer be able to refuse coverage or asking patients to pay co-insurance, with emergency-services network. This protects patients who are ill on the road or near a hospital network.

preventive services covered.

As of September 23, all new or revised health insurance plans must cover preventive services such as immunizations, mammograms, colonoscopies and nutrition counseling in obese patients. These services must be administered to a patient who is not applicable deductible, co-pay or co-insurance.

Scope of Work .........(NEW)

Surge Solutions group leader in construction activities, including the use of technology-based programs to evaluate the latest methods of cost, schedule and quality control and economic supply of labor, materials and equipment.



Design-Build Construction * * * *
Green Rehabilitation of historic projects sustainable financing
* Education *
Projects *
tenant build-out planning and evaluation of budget
* Value Engineering, The accuracy of estimates of costs *
* contractility control is to examine alternatives
* Project Structuring bid packages for the minimum (or equivalent)
* Construction cost of purchasing long lead items
* monitoring and coordinating daily construction Activities
* the management and supervision on site
* Management
* Accounting and commercial payments, meeting minutes, documentation, owners and lenders
* Security Management
* QA
* Prepare packages warranty, including warranties of all equipment and labor if

Cheap and Affordable Health Insurance

Greeting to Health Insurance Online, where we competition you with the best health insurance companies that provide free health insurance speech marks. With just a few clicks you can compare inexpensive health insurance options and find the best plan to meet your needs. Health Insurance Online saves consumers time and money by empower you to shop for health insurance reporting on your own schedule and from the expediency of your home or office. Finding cheap health insurance has never been easier.

Review and Compare the Major Health Insurance Companies and Plans

At Health Insurance Online, you can find educational overviews of many different health insurance companies, as well as the states the carriers serve. The providers of health insurance on Health Insurance Online include national hymn, Uncared, Blue Cross Blue Shield, Aetna, Humana, Assurant, Kaiser, PacifiCare, United Healthcare, SummaCare, Celtic, and many more. Health insurance plans from companies such as these come in many different types, such as individual health insurance plans which include Health preservation Organization or HMO plans, favored Provider Organization or PPO plans, and Health Savings Accounts or HSA plans. You can also find health insurance tailored for families, students, travelers and those with short-term or high-deductible needs.

Learn about Medicare Advantage and Medigap Supplemental Health Plans

Health Insurance Online offers inclusive information for Medicare Insurance options available to senior citizens age 64 and older or persons under age 65 that have confident disabilities. Medigap Supplemental Insurance is designed to bridge the coverage gaps left by standard Medicare benefits. Medicare Advantage Plans are health plan options (like an HMO or PPO) approved by Medicare and offered by private companies. These plans are from time to time called “Part C” or “MA Plans.” Medicare pays a fixed amount for your care every month to the companies offering Advantage Plans. There are also many Medicare drug benefit plans, called “Part D” that may be of interest to seniors and their family members. Visit our ‘Seniors’ section to learn more and to request free, no obligation information that may help you maximize your benefits and save money.

Educate Yourself about Health Insurance through Articles and Resources

Health Insurance Online is not only a huge place to find low-priced health insurance quotes from a variety of companies, but a useful place to become educated about all the various aspects of health insurance. With weekly health insurance articles covering the latest news on the health insurance and health care industries, as we well as a myriad of informative books, a dictionary and other capital like our Find a Doctor feature, you can take the time to become an educated customer in regards to your own health insurance needs.
We hope you will use the resources, information and tools here at Health Insurance Online to make the best, most informed judgment possible when it comes to your own health care and health insurance needs. Please take the time to review our entire site and find the information you need to get the health insurance coverage you deserve. To find the best and most affordable car insurance visit our partner site Best Auto and Car Insurance. You can get free auto insurance quotes and learn how to save money on your premiums.

Established in 1895 to represent fire and general insurers in New Zealand

The Insurance Council is an intermediary between the insurance industry and the world in which it operates. That world has experienced recent uncertainty over climate change, international conflict and rising crime

Insurance has never been a more vital part of commerce and communities than is today. We welcome you to our site where you may learn about the Council and its role.

The Council achieves significant changes that contribute to the efficient running of the industry both for practitioners and consumers. The Council believes this role to be its key function


The challenge of uncertainty

Insurance works best when both the provider and buyer gain from the partnership - when uncertainties can be guarded against.

Insurance hedges against the unknown and random events.

Learn in this site about insurance's role in your life and business and of the role that the Council fills in linking the industry, people, government and media to further the partnership.

Insurance Industry Scenario In Pakistan

The insurance industry in Pakistan, which should be described as a business rather than an industry – has shown some rapid progress in recent years. When Pakistan was established in 1947, there were 77 insurance companies in all. Today there are 52. In 1947, 70 of those 77 companies were foreign companies and/or their branches. Today there are 10. The seven local companies have 47 years later become 42, and might have been more had 32 of them not been nationalised on March 18, 1972, when their life insurance business was brought into the public sector, and consolidated under the aegis of the State Life Insurance Corporation of Pakistan.

Today, Pakistan has 52 companies conducting general business. They offer primarily Fire, Marine, Motor and Accident cover. The composition of general insurance business is Understandable, considering the lack of sophistication of our domestic environment. In 1993, Fire (including-Profits) accounted for 32.2 per cent of the Gross Direct Premiums, Motor for 33.1 per cent, Marine (including Hull) Premiums for 23 per cent and Accident (including Engineering) for 11.7 per cent.

The concentration of business amongst the insurers themselves presents a curiously disjointed picture. The 10 foreign companies have only a 10.5 per cent share of the Gross Direct Premiums, and of the 41 Pakistani companies operating in the market, 35 of them share 18 per cent of the business, while only 6 companies command and control 71.5 per cent of the general business.

What these companies share in common, though, is an obligation (an onerous one according to some) to reinsure a mandatory 20 per cant (it used to be 30%) of their insurance business with Pakistan Insurance Corporation (PIC), which was established in 1952 to provide reinsurance facilities within Pakistan and overseas, and to develop the insurance by offering technical and expert advice. PIC has grown substantially since 1953, with its Gross Premium Income in the last five years being above the 1 billion mark. Its overall profitability has wavered, falling from an all time high of Rs. 119 million in 1991 to below Rs. 50 million in 1991.

Apart from this obligation to reinsure with PIC, the general insurance companies are left largely to themselves and expected to be self-regulatory. Their Fire, Motor, Workmen's Compensation and Marine classes of business are governed by a Tariff which is determined by themselves through their Insurance Association. Their maximum statutorily approved agency commission rates of 15 per cent for Marine business and 20 per cent for Non-Marine business have become more gentlemanly statements of intent than rigorously enforced standards.

Student Health Insurance

If you're going off to college, you need student health insurance. Going to college is one of the most important things you can do to secure your financial future. But what happens if you get sick or injured while you're there?

Don't be lulled into a false sense of security by your relative youth and apparent good health. Catastrophic accidents and sudden ailments can happen to anyone at any time, and big medical bills could derail all of your carefully laid plans. So it's important to make sure you have health insurance coverage.

Here are some options:
Stay on Your Parent’s Health Insurance

If your parents carry you on their insurance, stay on it as long as you can.

With the passage of the Patient Protection and Affordable Care Act, beginning in September 2010, your dependent children must be allowed to stay on your health plan up to age 26 unless your young adult is eligible for employer health coverage.

Beware of the details, though. If your parents' coverage is a health maintenance organization (HMO), full coverage may only be available in the area where they live. Some HMOs have reciprocal arrangements that allow for full coverage in areas outside their local base, however, and that's something that you should investigate before you select this option.

Similar problems can arise with parental insurance that's based on a preferred provider organization (PPO). It typically requires you to get treatment from a medical provider within a predetermined network to get the best rates, and you might not find one if your school is far from home. You might have to go home to get the lowest copayments and coinsurance.

In the case of a medical emergency, your parent’s health plan is required to cover services from any provider or facility (such as an emergency room) that provides immediate care.
No Longer Working or Covered by Your Parents, Check Out COBRA

If you have recently left a job that provided you with group health insurance, a federal law called COBRA allows you to stay on that plan for at least 18 months as long as you pay the full premiums. The health reform legislation does not make any changes in COBRA.

If you are over 26 and still attending college, you may lose the health plan coverage that your parents have been providing. However, you may be eligible for COBRA continuation coverage for some period of time. Your parents, who have been carrying the insurance for you, will need to check with their insurance agent or benefits manager at work to make sure that you are eligible.
See if Your School Offers Health Insurance

Many colleges and universities offer low-cost health plans for their students through contracts with private health insurance companies. Check with your admissions office to see if your school does, and if so, what sort of coverage you can get.

Some colleges and universities may require that you carry some type of comprehensive health care coverage as a condition of enrollment.

Your school may offer several types of student health policies ranging from a simple accident policy to one that covers major medical needs. It is probably a good idea for you to purchase a comprehensive medical policy that will cover visits to the student health service, specialists, medically-necessary procedures and diagnostic tests.
Buy Your Own Insurance

If your school does not offer a low-cost health plan, you may want to consider buying an individual health insurance policy through an insurance broker or agent.

Individual policies can be expensive, and the health plan will evaluate your health before making a decision to provide you with coverage. If you have a pre-existing medical condition, a health plan may either refuse to cover you or impose a pre-existing condition exclusion period.

However, effective January 1, 2014, health plans will no longer be allowed to impose a pre-existing condition waiting period or refuse insurance to anyone with such a condition. Also, stasrting in 2014, you will be able to purchase health coverage in a health insurance exchange in your state or region.
Health Insurance Through Medicaid

If your family's income is low, your family is beset by high medical bills, or you have a disability, you may qualify for Medicaid. To find out if you are eligible, check with your state’s insurance department.

The health reform law will also expand Medicaid eligibility to include all Americans under age 65 with incomes up to 133% of the federal poverty level, including adults without dependent children.
Apply for Health Coverage Through Your State’s Health Insurance Pool

Many states have special health plans for residents who do not qualify for Medicaid, cannot afford health insurance, or have been denied coverage from a private insurance company. The following is an up-to-date list of states with high risk health insurance programs:

* States with High Risk Pools

Find a Community Health Center

If you currently have no insurance but need treatment, try looking for a federally-qualified community health center (FQHC) near your college. Community health centers can be found in most cities and many rural areas of the country. These health care facilities provide care to people without health insurance and have sliding fee scales based on income.

Community health centers provide checkups, treatment of illness, prenatal care, immunizations and care for your children, and treatment of mental health and substance abuse problems. Many health centers also have dental clinics and pharmacies in their buildings.

* Find a health center in your community

Suggested Reading

* Tips to Save Money on Health Insurance
* How to Find a Individual Health Insurance
* When Laid Off, COBRA Insurance May Be an Option

Understanding Health Reform

* How Will Health Reform Affect Me?
* Health Insurance Coverage Mandate
* What Is a Health Exchange?

Related Articles

* Laid Off? More Ways to Find Affordable Coverage
* Student Health Insurance-How to Make Sure You are Covered
* Health Insurance - Health Insurance Coverage for Recent Graduates
* Health Insurance for Unemployed Workers
* Health Insurance Coverage - Health Insurance Coverage for College Students

Michael Bihari, MD

Michael Bihari, MD
Health Insurance Guide

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