Getting International Student Health Insurance Policies Any learner who is devising on roaming to another country in order to engage in a study program will require to get international student health insurance. Due to the basis that one country will not want to have to discharge for the medical requirements of a foreign citizen, this has become an international prerequisite. There are several companies that will contribute this...more
The Hard Time Insurers are Facing from the Press over Critical Illness Insurance Recent stories in the press have again lambasted the insurers over critical illness insurance. The core problem is that a critical illness claim is not as straightforward as, for example, a claim under life insurance. With life insurance it's going to be hard for the insurance company to argue that you're not dead! By their very nature, critical...more
The Non-Disclosure Problem of Critical Illness Insurance If you're in the unfortunate position of having to make a claim on your critical illness insurance policy, the last thing you want is insensitive hassle or apparent non co-operation from your insurer. But according to numerous newspaper articles, that's precisely what's happening. The core problem is that before they'll pay out, the insurer will always want to make exhaustive enquiries about your past health record. Whilst you'll have provided them with lots of similar information when you initially applied for the cover, the insurers will now insist that all the information is rechecked. And if at the time you said you weren't a smoker, they'll now want this verified by your doctor.The reasons are obvious. They're faced with a big claim, typically way over £100,00, and they want to be certain that you told them the entire truth about your health when you first applied. This means that now you've claimed, they'll crawl over your medical records in great detail checking that you disclosed everything on your application. Every small and apparently insignificant detail will be subject to intense scrutiny. The...more
The Michigan Health Insurance Expert 1. What provisions begin soon? Beginning in 2010, children up to age 26 would be allowed to remain on their parents' health plan. People with pre-existing medical conditions would be eligible for a new federally funded "high-risk" insurance program. Some small businesses could qualify for tax...more
Reviewing Common Autism Treatments Autism is a developmental disability that affects both children and adults. The symptoms of autism are usually diagnosed within the first three years of the child's life. These symptoms may be more pronounced in some than others and will often affect both the social and communication abilities of...more
Be Sure You Know What Your Health Insurance Does Not Cover Around 7 million people in the UK are covered by health insurance, the majority being covered through their employers. The problem is that few have really studied their policy documents and many misunderstand what is covered. And perhaps just as important, what isn't. If you expect health insurance to pay all your health costs, you're mistaken. Health insurance is designed to provide protection for curable, short-term health problems and allow policyholders to jump the NHS queues to see consultants, be diagnosed, receive surgery or be treated. That sounds fine, but before you buy you need to appreciate the treatments and situations that fall outside the scope of the cover. But first a word of warning. This article does not relate to any specific policy and the terms and conditions issued by individual insurers do vary. So please ensure you also check your policy documents. After reading this article, you'll know what to look out for! Sorry - it's a chronic condition If a condition can be cured and is not a long-term problem, your insurance company will classify it as acute and should meet the cost. If your...more
Is a Little Bit of Health Insurance Better than No Health Insurance? About 50 years ago, health insurance started to be an attractive incentive offered by employers to attract and keep good employees. Overall, group plans tended to be...more
Understanding Health Insurance Brokers and Health Insurance If you are in the market to purchase your own health insurance coverage you can save yourself precious time and money by shopping and comparing policies right online. Sites...more
Can Unemployed Individuals Avail of Health Insurance? Unemployed individuals may think that they no longer have options when it comes to finding an affordable health insurance. In line with the recent layoffs, however, these...more
How to Save with Florida Health Insurance Options How fast a serious illness or injury can lead to tens of thousands of dollars in related medical fees may shock you, and the need for Florida Health Insurance Plans to protect your...more
Health Insurance Option for Unemployed Individuals If you are unemployed, you can still find options for affordable health insurance. You may check into cobra which will help to convert your previous group health insurance policy...more
Affordable Health Insurance Premium in California We all know the importance of having health insurance. After all, we want to make sure that our loved ones are taken care of when we do not exist. But before you move out and purchase a...more