Insurance - Asuransi: August 2008

Saturday, August 30, 2008

Managed Health Care Insurance - The Benefits of Managed Care Plan

Health insurance is very important to each and every one. Although there are several types of plans it is essential to select the right one for you. This might prove to be very tricky as you might not be able to understand the advantages and disadvantages of each and every plan while making a decision.

The broad categorization of health insurance is into two groups, the indemnity plan and the managed care plan. With indemnity plans, one can get a return of costs incurred towards medical treatment although only to a fixed limit. This plan also known as reimbursement plan will require the patient to bear a portion of the bill incurred whatever be the total charges. With this plan, the insurer needs to shell out a particular amount on a daily basis for some fixed number of days. Though the amount provided through the plan does not depend on the actual total costs, the amount paid is never above the expense incurred.

The other type of health insurance is the managed care plan. This again is further divided based on the type of policy taken and is categorized as HMOs, POSs, and PPOs. Many people opt for managed care plans over indemnity insurance plans as the flexibility provided by the former is much better. Here you get to pay a monthly fee regardless of the number of visits to the physician or hospital or you make a co-payment every time you make a visit and pay no fee every month. Also, you get more choices to select the type of care that you can afford. Depending on your abilities, you can choose to select the number of doctors in your network that you have the freedom to visit. Some types of managed care plans like the PPOs provide sponsorship programs that cover a huge network of hospitals and other medical services. This kind of insurance is usually provided by the employer where you work.

For an average person, it is best if he/ she sticks on to opting for a managed health care plan as the economics are far better. Although indemnity plans provide more options in allowing the insurer to visit any hospital or physician of their choice, it is more expensive. With managed health care plans, the patient is made to visit the hospital or physician within the network of the insuring company. This causes a problem only if you have to visit a specialist not within the network for any specific problem. A managed health care plan will however be more economical than indemnity plan but the latter is better in case of any emergency especially when you are away from town.

So, before you opt for any type of insurance plan covering your health, it is best to consider the advantages and drawbacks of each and every type of coverage available to you before making the right decision. Your choice should provide you the best kind of coverage at the lowest costs incurred by you.

Learn how to attact your employee with group health individual insurance plan as well as tips and strategies to prevent health insurance fraud and abuse when you visit http://www.wellbeingcoverage.com, the portal dedicated to small business group health insurance

Affordable Health Dental Insurance - Supplemental Dental Insurance Plan

There have been many instances whereby insurances that include dental care will fail to fully support the expenses incurred for dental care of a family. These would tend to create financial problems as the family would have to spend their own money or even borrow just to cover for the expenses created by the dental care of a family member due to insufficiency of insurance coverage. For this reason, supplemental dental insurance plan was created.

The importance of verifying fully the fine prints of an insurance coverage should never be taken for granted. By verifying and fully understanding your coverage and likewise the limitations of your insurance protection, you can prepare yourself for any eventuality that might arise. If your insurance for example would include dental care as part of your coverage, it does not necessarily mean that all services related to your family’s dental care will be covered. You will have to read the fine print of the policy to know if what kind of dental care is really covered by the insurance.

The stipulation as to what dental services are not covered will also be found there. Thus, if you are already aware of the true extent of your dental coverage, you can then decide for yourself if you still need a supplemental dental insurance plan. Your decision will of course consider the dental situation of your family; whether your daughter’s set of teeth might not be in a good condition due to sweets or that maybe your son’s set of teeth might have to be subjected to braces because of its abnormal growth position.

Supplemental dental insurance plan was precisely designed by insurance companies to answer the growing needs of insured clients to make it easy for those who may have to avail a dental service without the burden of having to pay additional cash for such service. This is understandable since the dental coverage included in a regular insurance plan is complimentary in nature. As such, it is not made to cover most of the expenses that will be incurred in a dental care service.

In getting a supplemental dental insurance coverage, careful selection should be made in consideration of your foreseen dental needs. If you think there is a real need for your son to have later on a dental brace, then you can go for a supplemental dental insurance coverage for braces. Do not ever think that a supplemental dental insurance will cover for all your family’s dental care needs. Again, examine the policy. Read the fine print and know what are you covered for under the agreement.

It would be more to your advantage if before you decide on a supplemental plan, you first try a research on supplemental dental insurance plan. Researching on this subject in the internet can give you a good idea about the many supplemental dental care plans in relation to the exact coverage of the plan and the cost that you have to fork out as your monthly premium.

Following your research, visit the insurance company concerned and have them give you a sample of the policy of your intended supplemental dental care plan to get and examine it for any phrase or words that you might not fully comprehend. If there is any, ask them and be fully clarified about it. After you have fully understood the fine print, you can now start your application for the supplementary dental insurance plan that you would like to have for your family’s dental protection.

Discover how you can get reduced fee dental insurance as well as finding insurance companies that pay for dental implants only when you visit http://www.dentalcontract.com the online portal for free professional dental care plans

Car Insurance Online

Finding cheap car insurance online isn’t hard to do at all. With a simple click of your mouse, you can literally find thousands of insurance quotes online right at your fingertips, but who wants to spend hours weeding through countless auto insurance websites and filling out multiple quote forms? You don’t have to. By doing a little research in advance and gathering the necessary documents before beginning your online search, you’ll be able to save yourself time, energy, and ultimately money on your next auto insurance policy.
When beginning your search online for cheap car insurance, it’s important to note that one of the most important factors regarding the cost of the car insurance quote you receive is the type of car you drive. More often than not, the more expensive or rare your car, the more expensive your insurance premium. Cars that are considered more likely to cause damage, linked to higher speeds such as sports cars, and those that are commonly reported stolen will also have higher insurance premium rates. While on the contrary, cars that have safety features, good crash test results, and are used only for work purposes will receive better rate quotes. As a result, if possible - it’s highly advisable to get car insurance quotes on your vehicle before you purchase it.
Your driving record, claims history, and driving routine are all very critical to the insurance rate quote that you will receive. If you’ve been in a lot of accidents or received numerous traffic violations, you can be sure that you’ll feel it in your pocketbook when it comes to insurance quotes. Any driving behavior that is deemed reckless or risky will cause you to pay more in insurance premiums since your record shows that you are more likely than others to cost the insurance companies money. Other important factors that are considered in the calculation of your insurance quote include your age, location, and gender.
Before you begin shopping online for direct car insurance or free car insurance quotes, be sure to gather all pertinent information which includes: your driver’s license number, current auto policy, vin number, make, model, and year of your car, finance company information if you do not own your vehicle, and bank or credit card information. Having all of this information can prevent you from having to start and stop your search due to looking for required documents and information.
Remember to get at least three car insurance quotes online, ask for any discounts that are available to you including discounts on having a car alarm or multiple policies with the same company, and also verify that the company is licensed to provide coverage where you live. Obtaining cheap car insurance online has never been easier than it is today.

Author Bio: Peter Smyth is Marketing Manager at 1Cover Car Insurance. Get comprehensive car insurance quotes online at discount rates.

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What You Need to Know About Ski Insurance

You may have heard about the recent popularity in ski insurance plans, and wondered whether they’re something that you should look into. Skiing has become a popular sport and past time in Australia, with thousands of people heading out to the slopes each year. Many vacationers travel long distances to stay in luxurious log cabins and enjoy a long weekend of skiing. But the fact is that there is a lot of risk involved in these ventures, especially if one should miss a flight, have their money stolen, or suffer an accident while out on the slopes.
Each year, an average of 38 people die from skiing and snowboarding accidents nationwide. Only 6.4% of these are due to collisions with other skiers, with majority of injuries occur to on piste skiers traveling between 25 and 40 mph. The main reason why the sport has so many injuries, is because skiers often wear no helmet or safety gear while skiing.
The best way to gain peace of mind when planning your next ski trip by purchasing ski insurance to cover the expenses associated with a number of different emergency situations. Policies associated with ski insurance cover you financially in the event of trip cancelation or delay, overseas medical assistance, or hospital stays. They also cover dental visits, accidental death, and permanent disability (God forbid!), just in case you would encounter a problem while skiing off piste.
One of the biggest fears that travellers have while on vacation is that they will inadvertently lose their money or possessions. Luckily, ski insurance covers you in the event of lost or stolen travel documents, credit cards, cash, and travelers cheques. You will also be covered in the areas of luggage delays, personal liability, domestic pets, piste closure, and bad weather. Most insurance companies list the details of their policies online, so you can refer to those to view the full list of covered items.
Online insurance companies have made it easier than ever to find cheap ski insurance policies. You can often receive a free insurance quote from the companies you are interested in, and then compare rates to determine which is best for you. Look for the plan that offers you the most amount of coverage for the least amount of money, taking into consideration what amount of money you are covered for in the event of each situation.
These days, ski insurance is a must, especially if you are investing a lot of time and money into your trip. Contact an insurance company today to receive a free quote and get started with your full coverage plan.

Author Bio: Peter Smyth is Marketing Manager at ski-insurance.com.au. Find competitive ski insurance quotes for domestic and overseas skiing and snowboarding trips.

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5 Types Of Liability Insurance

There are various types of liability insurance coverage offers by the insurance companies.

It is important to get the suitable liability insurance as per your needs. It is most crucial to understand the basics of liability coverage as per your needs.

1. The first one is employer’s liability coverage which is covered the employee to get the protection on the work. It is enforced by the law to get the proper coverage to the employee under the employer’s liability policy to give the proper coverage.

2. The second one is public liability coverage, which covers by any damage of public properly. It is important to get the coverage based on the types of coverage you required under the public liability coverage.

3. The third one of product liability coverage. It gives protection to the manufacturers by way of the coverage. It is called the product liability coverage and it will cover you against any damage or injury due to products.

4. The fourth types of coverage are director’s and officers insurance to give protection against any lawsuits against the officers or the company to get the proper coverage.

5. The fifth one is professional coverage. It gives protection to the professionals against any claims. It is necessary to get the professional liability coverage.

It is one of the most important tasks for you to get the suitable coverage as per your needs. Based on your needs you require for getting the coverage as per your needs.

About Author: Alex Bellweather is a writer for Liability Insurance , the premier website to find liability insurance, general liability insurance, commercial liability insurance, liability insurance quote, commercial general liability insurance, environmental liability insurance and many more.

Life Insurance Explained

Life insurance is great for individuals that have a family, dependents and earn the most income to support their family. Life is unpredictable and it is important to ensure your family and loved ones are taken care of financially in case anything happens to you.

When shopping for life insurance in South Carolina, searching online and using the internet's resources are a great way to educate yourself on life insurance basics, shop and compare quotes for the best life insurance policy for you. There are three different types of life insurance policies - universal life insurance, cheap whole life insurance and cheap term life insurance.

Universal Life Insurance - combines life insurance with savings. Insurers are able to have the benefits of term life insurance and combine that with tax-deferred interest accumulating savings account. Sometimes you may not even have to pay premiums during the entire policy. If your money to pay the death benefit and other costs accumulates in the tax-deferred savings portion of your policy, then premiums may not be required to keep the policy in force.

Cheap Whole Life Insurance - this type of policy will cover you for your entire life. Your death benefit and premium generally remain the same. Whole life insurance also builds cash value, which could enable you to earn a return on a portion of your premiums that the insurance company invests. Your cash value is tax-deferred until you withdraw it and you are also able to borrow against that money.

Cheap Term Life Insurance - this type of life insurance is low cost and great for young healthy individuals who are healthy and may not be able to afford cash-value life insurance premiums and want to ensure their dependents are taken care of in the event of death. Your policy will cover a pre-determined "term" which is normally one, five or ten years. Your premium payment and death benefits are only during that term. After the term you will have options to continue coverage and have the opportunity to convert to a cash-value life insurance policy.

Universal Life Insurance

Universal life insurance combines cheap term life insurance with a tax-deferred interest accumulating savings account. This life insurance plan provides insurers with death benefit as well as incorporating savings abilities.

Investing

Universal life insurance is also known as "flexible premium adjustable life insurance," and gets this term because it is somewhat of a flexible version of cheap whole life insurance. Your insurance company will take a portion of your premiums and invest them in bonds, mortgages and money market funds. You earn the return on said investments which is credited to your policy tax-deferred. You usually receive a guaranteed minimum interest rate which is not dependent upon the performance of your investments so you will always get a certain minimum return on your money. When your investments do well, normally the insurance company will increase your interest rate return.

Death Benefit

You generally have two options when setting-up your universal life insurance policy. One option will pay your death benefit out of your policies accumulated cash value. This policy costs less in premiums, but it can take a while to build up sufficient benefit. The other option will pay you a face value that you agree upon in the contract plus your accumulated cash value. This option cost more in premiums, but you are guaranteed at least a specific amount of money in your death benefit. Most life insurance companies can set your policy up so you will have a no-lapse guarantee as long as you pay your minimum designated premium. The policy could stay in force to age 100 or above. Universal life provides you the flexibility to adjust your death benefit according to your needs allowing you to pay smaller or larger amounts depending on your finances.

Cheap Whole Life Insurance

Cheap whole life insurance policies cover you for life. Generally your death benefit and premium will always stay the same. Cheap whole life insurance builds cash value which is tax-deferred until you decide to withdraw it or borrow against it.

There are different types of cheap whole life insurance. These include traditional, interest-sensitive and single-premium whole life insurance policies.

Traditional whole life insurance - this policy gives you a guaranteed minimum rate of return on your cash value segment.

Interest-sensitive whole life insurance - provides a variable rate on your cash value portion which is comparable to an adjustable rate mortgage. This gives you the flexibility with your cheap whole life insurance policy such as increasing your death benefit without increasing your premiums depending on the economy.

Single-premium whole life insurance - this is great for individuals who have a large sum of money who would like to purchase their policy up front. This cheap whole life insurance policy also accrues tax-deferred cash value.

One of the features that make cheap whole life insurance popular is that a portion of your premium money goes toward your cash value which could pay off your entire policy after a few years. Another advantage is unless you make a change to your cheap whole life insurance policy, you will be covered for life with no future medical exams.

Cheap Term Life Insurance

Cheap term life insurance is great for those individuals who want to protect their family in the event of their death. Cheap term life insurance is often referred to as "pure insurance protection" because there is no cash value like cheap whole life insurance or universal life insurance. Cheap term life insurance also expires at a certain time after either a set number of years or when you reach a certain age.

A medical exam will most likely be required when you are buying cheap term life insurance. Most exams cover height, weight and medical history. Sometimes test results can hinder your ability to get approved for term life insurance or it could potentially increase your rates, but if you are healthy you should be fine.

Best Auto Insurance Quotes: Where to Get Them

What would you consider to be the best auto insurance quote possible? How about a quote that gives all the coverage you want at a lower price than you are paying now? This may sound impossible, but if you haven’t compared insurance quotes lately, you can probably save money and get a better quote than you realized.

How Much Insurance Do You Need?

Of course, the best insurance is going to be insurance that gives you the coverage you need to protect yourself. Every state has different minimum insurance requirements, so a good place to start figuring out how much insurance you need is at your state’s Department of Insurance website. Here, you can find out what the minimum requirements are for your state.

Keep in mind, though, that these minimum requirements will likely not be enough if you are ever involved in a serious accident. If you can afford the cost of higher limits, the extra protection is worth it.

Maximize Your Discounts

Another way to get a great auto insurance quote is to look for discounts that you qualify for. Most insurance companies offer discounts such as ...

* Good student discount

* Defensive driving discount

* Discounts for safety devices

* Discounts for anti-theft devices

These discounts directly lower your insurance premium.

Check the Internet for the Best Rates

Shopping around for insurance is easier than is has ever been, thanks to insurance comparison websites on the Internet. You can go to one of these websites, fill out one simple online form, then receive quotes from several insurance companies all competing for your business. Then all you do is choose the company that offers you the best quote.

The Internet can also help you check out the insurance companies you're considering:

* Go to your state’s Department of Insurance website to see how many complaints customers have made about each insurance company

* Visit J.D. Power & Associate's website at jdpower.com to get insurance company consumer ratings

* Go to websites such as standardandpoors.com and ambest.com to check the financial stability of each company

Visit http://www.LowerRateQuotes.com or click on the following link to get the best auto insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on getting the best auto insurance quotes.

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The Issues With Backpackers Travel Insurance

Unfortunately, many backpackers travel insurance policies often fail to cover the activities that backpackers enjoy. Backpacking and many popular backpacking destinations may offer travel and adventure, but not if you are relying on a basic insurance policy for medical care or replacement of belongings.

Standard travel policies effectively place limits on the activities you can take part in, as well as the places you can go. Before heading off for an international backpacking trek, it is necessary to explore the types of travel insurance available and to find a policy that meets your specific needs.

Standard insurance policies exclude anything that has the potential to cause a claim. Backpacking, as well as certain other sports and activities, automatically places people at risk of illness and injury because it involves leaving the paved roads and vacation resorts. Backpacking in wilderness areas and mountain trails, as well as overnight accommodations in cheap hotels and backpackers hostels raises a lot of safety issues.

Insurers also consider people who participate in those activities more likely to be assaulted or robbed. A backpacker's travel insurance policy is issued with an understanding of the risks involved, and offers more coverage than a standard travel policy.

The travels of a backpacker are not like those of others on vacation, and a backpacker's insurance must meet their individual needs. Backpackers travel insurance must cover a diverse range of countries, as well as the remote areas that standard policies usually fail to cover.

Natural disasters can have a seriously negative impact on backpacking vacations, as well as the health and belongings of backpackers, so policies must cover those events, even if it is with certain restrictions. In addition to all of these, backpacker policies also often offer the option of extending the policy, or changing the area covered by the policy, while traveling.

A common rite of passage for students leaving college is embarking on a multinational backpacking tour. It is a cheap way to see other countries, interact with the people and learn about the culture. It also offers the opportunity to find yourself, figuring out who you are and what you want to do with your life.

However, for many, backpackers travel insurance does not provide coverage for destinations and vacations that the backpacker wants to experience. This can leave you stranded, without assistance or replacement of goods in the event of an emergency. Taking the time to explore your options before you leave, however, will help ensure that your policy covers what you need, wherever you go and no matter what happens along the way.

Mike Selvon's portal will expand your knowledge on backpackers travel insurance. Visit us and leave a comment at our backpacking tours blog where a free gift awaits you.

Discover How to Find the Best Discount Car Insurance

Almost everyone would like to have discount car insurance for their vehicle, since ideally it should be pretty inexpensive, provide great coverage, and leave drivers worry free when it comes to car accidents and other problems where insurance coverage is needed.

The only problem is that many insurance companies claim to offer full coverage insurance at a discounted price, but in reality they only offer the customer minimal coverage with the discounted price or great coverage at only a slightly discounted rate. The best way to find discount car insurance is to shop around with various car insurance companies, so one can find the best price for the most coverage available.

When shopping around for car insurance, it is important to first decide on what type and how much coverage one would like to have. This is essential when comparing prices for car insurance, since one will want to only compare the prices for the same type of coverage. Rather than comparing apples to oranges or pears, one must compare apples to apples when trying to decide on the best price available. By doing so, one will be able to determine which companies do offer discount car insurance while still offering full coverage.

The type and amount of coverage can be determined by the current value of the car, as well as how much the driver would like the deductible to be, and coverage for injuries that can occur during an accident. One can also choose to include additional coverage on their premium, such as coverage for vandalism, floods, or even car theft, but these additional factors will raise the price of the discount car insurance.

Calling around to various insurance companies and requesting free quotes online is one of the best ways to find discount car insurance, since it makes it possible to compare various prices offered by different companies. It is usually more helpful to talk to an insurance agent over the phone, but using the internet is a fast an easy way to get a quote as well. Although the quotes may be only estimates and will not reflect the exact amount of the insurance policy, they can show which companies actually do offer car insurance at a discounted rate. The reason the quote may be only an estimate is if they find via your driving record, where you claimed to have zero tickets, they discover you have had 10 tickets, which would of course then change things.

All that is required is information pertaining to the car that needs to be insured, as well as any negative marks on the driver's record since they can increase the price of an insurance policy. The age and sex of the driver is also required for a car insurance quote, since policies can differ based on the age and sex of the driver. Once the driver decides on which company they would like to go with, they will be required to give more personal information, such as their driver's license number, home address, and more detailed information regarding their vehicle.

Shopping around is important when trying to find discount car insurance, since most companies like to claim that they offer the best insurance for the best price available. By shopping around online and over the phone, it is possible to find great insurance coverage for a car while paying a reasonable price. By deciding on the type and amount of coverage and comparing the same amount of coverage with each company, it is possible to find discount car insurance from the comfort of your own home. For more insights and additional information about finding and comparing the best Discount Car Insurance as well as getting a free very aggressive no-obligation discount car insurance quote, please visit our web site at http://www.tips-for-car-insurance.com

Low Cost Life Insurance - Where to Get It

Life insurance is not something anyone wants to think about, but it should be an indispensable part of every family’s budget. If you die, a low cost life insurance policy may make the difference between your family keeping or losing their home, paying off bills or declaring bankruptcy.

Finding Life Insurance Quotes You Can Afford

Life insurance does not cost as much as you might expect: a term policy with a $250,000 death benefit for a 35-year-old man can cost less than $20 a month.

A great way to find low cost life insurance is to go to an insurance comparison website. There you fill out a simple questionnaire to get quotes from multiple insurance companies at one time. This means that you get multiple quotes to compare so you can choose a policy with the lowest cost.

In addition, the best insurance comparison websites offer a chat feature, with insurance experts on hand to answer your questions and help you choose the best policy with the best rate.

Saving Even More on Your Life Insurance

In addition to comparison shopping, here are some additional ways you can save on your life insurance:

* Purchase term life insurance. This is the cheapest life insurance because you pay for only life insurance, not added investments.

* Buy life insurance when you’re young and in good health. You'll pay less and may be able to lock in a rate for a long term.

* Don’t use tobacco so you can qualify for the less-expensive non-smokers rate tier. If you already use tobacco, quit. Your rates will go down the longer you are smoke-free.

* Eat healthy foods, watch your weight, and exercise regularly. A healthy lifestyle can lead to lower insurance rates.

Where to Get the Best Rate

Visit http://www.LowerRateQuotes.com/life-insurance.html or click on the following link to get low-cost life insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written numerous articles on low cost life insurance.

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