Laramie Interfaith is Groundbreaking its facility by 2,000 square feet near LaBonte Park. This project has been long in the coming. Early summer of 2022 should see the completion of…
Laramie Interfaith is Groundbreaking its facility by 2,000 square feet near LaBonte Park. This project has been long in the coming. Early summer of 2022 should see the completion of the expansion.
The new facility will increase Laramie Interfaith’s capacity for food storage and include a walk-in cooler and freezer, said Josh Watanabe, Laramie Interfaith’s executive director.
He said that those are two amenities that are lacking at the moment.
At the time, the Wyoming Business Council administered a Community Development Block Grant allocated to the project in 2019. As a result of the COVID-19 pandemic, the expansion project was delayed, and costs rose after the pandemic
In 2019, after 30 years in the Laramie Plains Civic Center, Laramie Interfaith moved into its current location on Canby Street to prevent homelessness and food insecurity in Albany County.
The Food Bank of the Rockies conducted a study in 2018 that found Albany County’s rate of food insecurity was high enough to require Interfaith to give away between 800,000 and 1 million pounds of food each year. According to a 2020 estimate, Laramie Interfaith brings in about 400,000 pounds per year, though its storage capacity is a limitation.
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There are many advanced earthquake resistant technologies available in construction. Read about some simple ways to resist seismic forces in your project.
The engineering science is continuing to advance in response to seismic threats. There have been significant breakthroughs in the field. However, most of them are very complex and require exceptional machinery. Not to mention, expensive as well. However, there are some simple ways to build a structure that will be resistant to earthquake damages up to a certain level.
In areas where seismic activity is not too harsh, we can utilize these techniques to same money and complexity but make the building resistant to seismic activities.
Structure Stiffness: The most traditional way to fight quakes is to use stronger materials to construct the building. Stiffer or heavier members can be used to fight the lateral forces generated during seismic activities. For special quake-proof structures, ACI codes prescribe at least 10” thick members.
Geometrical Absorption: The building can be planned in such a regular and special geometrical shape that it disperses the seismic forces evenly so that no particular member experiences excessive force. This naturally fares much better than a poorly-planned unsymmetrical building.
For existing buildings that are structurally asymmetrical, you can use seismic joints and expansion points in places where the forces are dispersed unevenly. Providing extra columns, shear walls, and framing can make the weaker section withstand the extra forces to a good level. Parking levels should have extra reinforced columns in order to negate the soft story effect.
Health Insurance in India is a negligible matter as people are less interested in paying a good amount than paying for the other things. But there are some tips to save this cost.
Health Insurance plans are the backup or may call protector of people in some serious problems or illness which are life snatching and also have expensive treatments. Besides this, a right health insurance plan is like an assurance for the insured while he/she faces some kind of difficulties; there are lots of people in every country who dies or suffers with lifelong pains due of lack of support. People are now-a-days fell ill often and pay a huge amount of money to get rid of that illness, for treatment n good hospitals etc. but spending so much for treatment is not a matter of joke as everyone has not that capability. Health Insurance Policies in today’s scenario works as a support system, but still people should take care of themselves to prevent serious illness. Health Insurance Plans are essential for every person as it gives security and safety to the insured person with various benefits. There are various kinds of health insurance policies such as Individual Health Insurance Plans, Family Floater Plan, Children Insurance Plan, Car Insurance Plan, Mediclaim etc.
As health insurance is a matter of high price that’s why most of the people are not interested to spend more on their hard-earned money on the best health insurance care. Generally, costs of healthcare are bit expensive and it is true in the country like India, majority of people have an intention to spend more on their homes, families and many more which they can enjoy. But it is also necessity to save a good amount of money on health insurance premium by following these easy steps:
A family floater plan provides coverage for not only an individual person but for a full family where entire family is benefited from larger common pool of insurance.
Health Insurance plans are the backup or may call protector of people in some serious problems or illness which are life snatching and also have expensive treatments. Besides this, a right health insurance plan is like an assurance for the insured while he/she faces some kind of difficulties; there are lots of people in every country who dies or suffers with lifelong pains due of lack of support. It is a guide, a friend, a helper, an assurer, a good protector which means an overall coverage for insured person but still it is not enough to get fully covered and having all kind of money while in danger. Health is wealth and no doubt freaking for being healthy and fit is become a mania now-a-days; after advanced technologies and lifestyle people get affected easily.
People are now-a-days fell ill often and pay a huge amount of money to get rid of that illness, for treatment n good hospitals etc. but spending so much for treatment is not a matter of joke as everyone has not that capability. Health Insurance Policies in today’s scenario works as a support system, but still people should take care of themselves to prevent serious illness. Health Insurance Plans are essential for every person as it gives security and safety to the insured person with various benefits. There are various kinds of health insurance policies such as Individual Health Insurance Plans, Family Floater Plan, Children Insurance Plan, Car Insurance Plan, Mediclaim etc.
A family floater plan is one of the health insurance plans which cover the whole family and not just the individual one. In this plan, the entire family is benefited from larger common pool of insurance and the sum assured is available for entire family member.
The family doesn’t have to trouble if two members of the family fall ill and the medical expenses for treating them as the right amount of sum assured will be deducted. Here are some features included in a family floater plan:
Among different kinds of health insurance plans, Short-term plans are least known plans which are taken by people but they may be like a little time benefits for insured.
Among different kinds of health insurance plans, Short-term plans are least known plans which are taken by people but they may be like a little time benefits for insured.
A short-term health plan is a live savior for a short period of time but it depends on people that either it will be a much-needed alternative to the high prices of the general health Insurance marketplace or a waste plan acting as real health insurance. In a different way, the price of short-term health plans is about half as much as the cheapest plans sold in the Health Insurance companies make them an attractive option for people looking for low-cost health coverage. Though, the price comes with different limitations so shoppers need to understand everything before selecting a short-term plan. Here are some important questions that need to ask by insured before buying:
What do short-term plans cover? It is better to know the list of things that are covered under a short-term plan as it will help to choose a plan as per the need of an insured. Generally short-term plans provide coverage for doctor’s visits, emergency room visits, lab tests and other services but with limits. But they can either deny or limit coverage as per health history of an insured. Having a pre-existing condition like diabetes, it may affect the ability to buy coverage.
Do Insured qualify for Medicaid or Medicare? Insured can also be able to qualify for government-provided health care. Medicaid is generally a federal-and state-run program that covers many low-income people through eligibility check by state.
What health needs? Short-term plans are the best-suited for healthy people who have few health expenses and if insured need treatment for a chronic condition or expect to get pregnant, then insured can consider a more comprehensive option. But these plans don’t cover pre-existing conditions so buying it as coverage is not a good idea.
How much to pay? Generally short-term plans have lower premiums but some plans often comes without-of-pocket costs like deductibles, coinsurance and copayments. While making a budget on health costs, always take care of some additional costs into account.
What are the limits of plans? Besides coverage maximums, these plans come with lots of exclusions and limits. Policies should list these exclusions and insured need to note them down.
Where are short-term plans available? Short-term plans are not available in every state so it is better to search them online as per states.
How long do they last? As per the name, short-term plans can last up to a year and the same plan can be renewed up to three years as per state law.
India has done some noteworthy improvements in delivering high quality health care services but it is also true that the health sector is facing some tough challenges that need to overcome.
India has done some noteworthy improvements in delivering high quality health care services but it is also true that the health sector is facing some tough challenges that need to overcome.
Health care in India has changed its old mindset and transform itself into new as the Medical tourism in India has developed in recent years and has opened a lot of economic possibilities for both businessmen and investors from India and Abroad also.
There is a wrong overview about the health care of India in the mind of people that though the expense in the health care sector of India is cheap but the quality of the health care service is very low also. But this is not the actual scenario; today’s health care facilities of India can compete with most developed nations of the world. Even some of the medical treatments have gained so much popularity in the world like cosmetic surgery, density, joint care and heart surgery etc. and more than that, these complicated surgeries can be done in less time and very low price in comparison to other developed countries.
Challenges in Health Care Systems in India: Though several improvements can be seen in the India’s health care industry but it is true that the system is lacking experienced, well qualified doctors and basic infrastructure; that’s why people are not able to get quality healthcare. Out of the total available doctors, only 10% work in the public health sector. While a few numbers of hospitals are largely focused around urban areas while 70% of India’s population lives in rural areas and due to this, a large number of people become unable to get the right health care needs. India also accounts for a large share of the world’s disease burden but most of the population is unable to receive the best health care from hospitals and doctors. To handle this Healthcare crisis in India, the health care industry needs to concentrate in making healthcare more affordable and easily accessible to public.
Recent scenario in Health Care Systems in India: The majority of population in India is generally under-insured which result that they have to compromise on the quality of healthcare services.
Women health is worth important as like others in the family and she also needed some health insurance policies for taking care of her in the utter illness.
Women health is worth important as like others in the family and she also needed some health insurance policies for taking care of her in the utter illness.
Women are the strength of our life, they sacrifice many things in life only to give us a better life. They take care of our health whenever we fell sick but they never take care of themselves and as a result women health becomes a neglected subject in today’s world.
The health insurance plans provided by any company give benefits and coverage for the insured or the spouse, children and for parents. But we never see that any woman has taken a policy for herself though she takes a policy for her family or children as they sudden becomes procrastinate in the time of taking any financial related decisions for herself. Without thinking about own self they gets busier in managing others life either it is office or home and simply ignore the need of a policy but it is very important for them to make at least a right financial for themselves. Life is uncertain and now a-days women health related issues are growing very much and some of them are really life takings so it is the right time to choose a health insurance plan for them. Here are some points which will help to understand the need of health insurance for women:
Helps to overcome excessive medical expenses: Paying minor or major health treatment in now-a-days can create a burden on anybody’s balance sheet. Women generally own financial responsibilities of their household and after having a health insurance, they will be able to take care of any kind of medical emergency at any time.
Advanced Medical facilities: After having a health insurance policy, even the middle-class people can have advanced medical facilities.
Tax saving benefits: Apart from health security, the policy can also provides tax saving benefits up to Rs. 25000 under section 80D of the Indian Tax Act 1961. It also includes the amount of yearly premium paid for self, children, spouse, parents and other dependent members who are covered under the policy.
Composure: Having a health insurance policy will help women to get an affordable financial coverage in emergencies.
Tips to find the best Health Insurance in India: While selecting a health insurance policy for women, some points need to be kept in mind-
Always choose special health insurance policies that provide maternity benefits to women and the newborn. Having this kind of policy at the early stage of marriage will provide less waiting period in the main time.
Also look for policies that cover breast cancer, cervical cancer etc.
Find a policy that offers cashless hospitalization as it will reduce the cost of treatment.
Marketplace plan offers various benefits to the insured through their health insurance plan as per their updated details on the application, that’s why a little change is need to be updated.
A personal accident policy helps to overcome the financial problem happened after the death of insured and also many benefits under it.
Health Insurance plans are the backup or may call protector of people in some serious problems or illness which are life snatching and also have expensive treatments. Besides this, a right health insurance plan is like an assurance for the insured while he/she faces some kind of difficulties; there are lots of people in every country who dies or suffers with lifelong pains due of lack of support. It is a guide, a friend, a helper, an assurer, a good protector which means an overall coverage for insured person but still it is not enough to get fully covered and having all kind of money while in danger. Health is wealth and no doubt freaking for being healthy and fit is become a mania now-a-days; after advanced technologies and lifestyle people get affected easily.
Now-a-days it’s become difficult to get a health insurance plan as the expenses are raising everyday and it also becomes difficult to get all the benefits in a low budget health plan. But it is also possible to get lower health insurance if premiums can keep lower, so one can adopt many measures, provide optimum coverage e without paying too much. There are various kinds of health insurance policies such as Individual Health Insurance Plans, Family Floater Plan, Children Insurance Plan, Car Insurance Plan, Mediclaim etc.
Life is a beautiful and valuable gift given by God which makes our staying moment in this earth wonderful but this value of a life in world is very little. Accidents never come by knocking us before but they take away uncountable lives in just some time. An accident can lead a life to bodily injury, disability and in worst case also to death. Though death is unavoidable, but people can certainly get some financial protection for themselves and their family with a personal accident policy. It is a type of policy that offers people protection against death or disability caused due to an accident, if death happens due to accident then the policy will pay out a lump sum amount to the nominee of the policyholder.
We are going to highlight 10 things about a personal accident policy which is important to know:
A personal accident policy reimburses the policyholder if permanent or partial disability happens due to an accident.
The policy offers full sum insured to the kin of the policyholder on death caused for an accident.
The main purpose of this policy is helping the insured’s family to overcome the loss of income due to the accident of the insured.
A personal accident policy offers lifelong coverage and it is renewable also.
The premium for a policy remains same throughout the term of the policy; it will not depend upon the changes made in age or lifestyle habits.
The policy doesn’t cover death caused due to an illness.
Under this policy, the nature of the accident doesn’t matter as it simply provides benefits in case of any accidents resulting in broken bones.
Daily cash allotment is given to the policyholder if an accident needs hospitalization.
There are few personal accident policies that also cover ambulance costs to help the policyholder reach the hospital if an accident takes place though this coverage may vary from insurer to insurer.
Permanent disability like loss of limbs or paralysis and even temporary disability like fracture is also covered.
Term Insurance plans are best idea to fulfill all the needs of family through the sum assured but there are some points to keep in mind before buying.
Term Insurance plans are best idea to fulfill all the needs of family through the sum assured but there are some points to keep in mind before buying.
About Term Insurance Plan: Term Insurance is basically a life insurance product which is offered by an insurance company to provide financial coverage to the policy holder for a specific time period. If the insure person dies during the policy term, and then the death benefit will be paid by the company to the recipient.
Term insurance plans are very much desired in the life insurance market and the great benefit is that these plans offer higher sum assured amounts at a very low premium rates. A sum money or death benefit is paid to the heir or nominee in case the policyholder dies during the period for which the policyholder is insured.
The policyholder can also get various options to get improved protection; there are some term plans available in the market those give protection to the policyholder as cash payouts on diagnosis of critical illness. Key points to remember before choosing a Term Insurance Plan: There are some easy guidelines which will help people to choose a right term insurance plan to fulfill the financial needs:
Having a term insurance plan in early age will give benefits like longer protection, less waiting period and tax benefit along with financial protection.
Having a term insurance plan in early age will give benefits like longer protection, less waiting period and tax benefit along with financial protection.
Health Insurance plans are the backup or may call protector of people in some serious problems or illness which are life snatching and also have expensive treatments. Besides this, a right health insurance plan is like an assurance for the insured while he/she faces some kind of difficulties; there are lots of people in every country who dies or suffers with lifelong pains due of lack of support. It is a guide, a friend, a helper, an assurer, a good protector which means an overall coverage for insured person but still it is not enough to get fully covered and having all kind of money while in danger. Health Insurance Policies in today’s scenario works as a support system, but still people should take care of themselves to prevent serious illness. Health Insurance Plans are essential for every person as it gives security and safety to the insured person with various benefits. There are various kinds of health insurance policies such as Individual Health Insurance Plans, Family Floater Plan, Children Insurance Plan, Car Insurance Plan, Mediclaim etc. But it is advisable to buy a policy for the parents or old persons of the house as it gill protect them in the time of critical illness or provide the expenditure while hospitalization. Though there are various terms and policies in every health insurance policy and various companies provide various additional benefits to their customer.
About Term Insurance Plan: Term Insurance is basically a life insurance product which is offered by an insurance company to provide financial coverage to the policy holder for a specific time period. If the insure person dies during the policy term, and then the death benefit will be paid by the company to the recipient. Term insurance plans are very much desired in the life insurance market and the great benefit is that these plans offer higher sum assured amounts at a very low premium rates. A sum money or death benefit is paid to the heir or nominee in case the policyholder dies during the period for which the policyholder is insured. The policyholder can also get various options to get improved protection; there are some term plans available in the market those give protection to the policyholder as cash payouts on diagnosis of critical illness.
A term insurance plan is necessary for everyone either the person has dependent family members or has pending debts to clear. It has high sum assured levels and also low premium rates that makes it an edge over other insurance plans in the market. The payout of this policy helps to keep secure the beneficiary of the life assured continues to lead the previous lifestyle even after the policyholder is no more. But before buying a term insurance cover, it is mandatory to take care of some elements to buy the best plan with best benefits.
The basic rule of buying a Term Insurance plan is to buy it as early as possible; the best time is the starting of earning period, it is best time as with lower age the health risk stays low and the premiums will cost less. Besides that, buying a term insurance plan in the early of earning life also help to save around 6% as premiums of a term insurance plan depends on the amount of risk a person brings with time. As time goes on and the person grows old with time the risk of getting affected by various disease gets higher; so it is better to enter in plan with a lower premium rate that will maintain the economical balance.
There are also some other benefits of buying a term insurance premium early: buying early a plan will help to plan spending money wisely and provide financial protection for a very long time. So when the person becomes old, he will get closer to the maturity period and spend his rest of the life without any tension. Having a term insurance also gives tax benefit such as there is a possibility of a huge amount of tax deduction under Section 80 (C) and (D).
Health insurance plans have some benefits which may vary from company to company but there are 5 most important benefits that must be in every plan.
Though the best way to take care of our parents is to safeguard their good health but it is not possible to know the exact problem or illness before time and anything can happen at any time so it will be best to have a health insurance for them so that they can be treated well and right in the right time.
Health Insurance plans are the backup or may call protector of people in some serious problems or illness which are life snatching and also have expensive treatments. Besides this, a right health insurance plan is like an assurance for the insured while he/she faces some kind of difficulties. It is a guide, a friend, a helper, an assurer, a good protector which means an overall coverage for insured person but still it is not enough to get fully covered and having all kind of money while in danger.
Health Insurance Plans are essential for every person as it gives security and safety to the insured person with various benefits. There are various kinds of health insurance policies such as Individual Health Insurance Plans, Family Floater Plan, Children Insurance Plan, Car Insurance Plan, Mediclaim etc. But it is advisable to buy a policy for the parents or old persons of the house as it gill protect them in the time of critical illness or provide the expenditure while hospitalization. Though there are various terms and policies in every health insurance policy and various companies provide various additional benefits to their customer. /P>
In today’s scenario, the expenses on hospital treatments is increasing day by day which lead the families in problem to fulfill their need while maintain the hospital bills. None can assume about the expenses on hospitalization as the diseases don’t come with previous knocking and the treatment is also can’t be guessed, so it is impossible to keep aside a big amount of fixed money aside for covering the situation. All these policies come with different benefits for insured but they all have common and clear intention which is protecting insured’s money from getting eroded as these hospital expenses an be a big problem. Here are the five common benefits provided by every health insurance plan described below:
Pre and Post hospitalization expenses: Though all insurance companies almost cover hospitalization charges, still it is better to check pre and post hospitalization expenses before buy covers. These costs could be a burden later depending on the type of illness and treatment required.
List of covered diseases: The policy that insured have some feature of enhancement to the current benefits which could be a result of insurance companies subscribed plan, regulatory mandate or it can also be because the insurance company has decided to expand these benefits for not claiming anything.
Top-up: There will be some cheerful moments in everyone’s life where insured will feel that their current health insurance cover might not be enough and they need to expand their cover. But getting a new health insurance plan can be a new procedure so there the top-up option comes in handy. These top-up plans allow getting extra sum assured on top of the existing cover.
Income tax benefit: Payments can be done towards Health Insurance qualifies for deduction under Section 80 (D) of the Indian Income Tax act and if anyone buys health insurance for himself or the family then he/she will get a tax deduction up to Rs. 25000 and if also take a policy for senior citizens then the tax benefits will be available increases up to Rs 50000.
Extra benefits: Insured can also choose extra benefits for ambulance charges, day care procedures, health check up and vaccination charges.
Both Cancer Insurance and Critical illness are essential in every person’s life as they provide different benefits and cover different illness, so it is best to compare them and buy one.
Both Cancer Insurance and Critical illness are essential in every person’s life as they provide different benefits and cover different illness, so it is best to compare them and buy one.
Health Insurance Policies in today’s scenario works as a support system, but still people should take care of themselves to prevent serious illness. Health Insurance Plans are essential for every person as it gives security and safety to the insured person with various benefits. There are various kinds of health insurance policies such as Individual Health Insurance Plans, Family Floater Plan, Children Insurance Plan, Car Insurance Plan, Mediclaim etc. But it is advisable to buy a policy for the parents or old persons of the house as it gill protect them in the time of critical illness or provide the expenditure while hospitalization. Though there are various terms and policies in every health insurance policy and various companies provide various additional benefits to their customer.
Critical illness health Insurance Plan: Critical illness is a kind of illness or disease that can affect deeply on the physical and emotional well being which may be turned as life threatening. Very often critical illness can be the result of organ failure which can only be treated with an organ transplant. This organ transplant is a kind of surgical process in which a healthy organ from one person is removed and transplanted into the needed person. Organs like kidney, pancreas, liver, heart, lung and intestine are transplanted generally; in this process one can be driven into both financial and emotional distress.
The critical illness covered under any health insurance policy is similar which are: Heart attack, Stroke, Cancer, Kidney Failure, Heart Attack, Coronary Artery Bypass Surgery etc. This organ transplant matter is like a life threat to the patient which is overwhelming and a policy to empower the patient to fight this threat can make life easier.
Coverage under Cancer health insurance policy: Cancer policies generally cover diseases like malignant tumours, pre-malignant tumours, non-invasive cancers in CIS stage and cancers in various organs such as throat, pancreas, prostate etc. But the best care and treatment can only happen when the type or kind of cancer can be guessed in an early stage as the sooner disease get guessed, the lesser criticality happens and the chances of recovery gets better. So in this scenario, the cancer insurance policy provides conflicting lump sum pay-outs for diagnosis, treatment and hospitalization at different stages of cancer which is a big help. And these policies have monthly allowances for supplement the absence of working income but in India, these policies have a survival period of 30 days beyond which only claims are valid. A few of the various types of cancers covered under a cancer insurance plan which are: Prostate cancer; Breast Cancer; Lung Cancer; Ovarian cancer; Stomach cancer and Hypopharynx cancer.
Difference between these two policies: Having a critical illness policy will provide protection against any kind of uncertain/terminal diseases; on the other hand, a Cancer Insurance plan will help insured restrict the expenses arising out of cancer treatment, here are some points which will show the difference between them:
In this present condition, every person must have a health insurance policy which provides some benefits but if he/she wants to switch over, here is the Portability option.
In this present condition, every person must have a health insurance policy which provides some benefits but if he/she wants to switch over, here is the Portability option.
Health Insurance plans are the backup or may call protector of people in some serious problems or illness which are life snatching and also have expensive treatments. Besides this, a right health insurance plan is like an assurance for the insured while he/she faces some kind of difficulties; there are lots of people in every country who dies or suffers with lifelong pains due of lack of support. Now-a-days it’s become difficult to get a health insurance plan as the expenses are raising everyday and it also becomes difficult to get all the benefits in a low budget health plan. But it is also possible to get lower health insurance if premiums can keep lower, so one can adopt many measures, provide optimum coverage e without paying too much.
There are various kinds of health insurance policies such as Individual Health Insurance Plans, Family Floater Plan, Children Insurance Plan, Car Insurance Plan, Mediclaim etc. But it is advisable to buy a policy for the parents or old persons of the house as it gill protect them in the time of critical illness or provide the expenditure while hospitalization. Though there are various terms and policies in every health insurance policy and various companies provide various additional benefits to their customer.
A little knowledge about Portability: But after having a policy, insured can go for another one which they may think is better in their future this is called portability. In simple words, portability is that which allows insured to exchange between insurers without having to worry loosing benefit or miss any waiting period that may have already completed with the previous insurer.
This article will guide you about some important Portability guidelines that must be known by everyone. As health insurance is a long term decision so insured must be enough clever and calculative to select the right policy and then moving to a different insurer that comes with the responsibility of some guidelines.
The 45-day notice period:Portability should be applied 45 days before expire of existing policy as it is not guaranteed.
The new-insurer’s acceptance period:As like insured rule, insurer also have to follow a rule; an insurer is expected to respond a request within 15 days of receipt of the proposal. If the delay happens from their side, then the current insurance company has to provide insurance to the insured for a short period of 30 days from the due date.
Underwriting process: The proposal will be accepted by new insurer only if it is in line with their underwriting norms; if the insured has a clean slate for pre-existing illnesses and have maintained a claim-free policy, the company would grant it.
Waiting period clause: This clause allows insured to switch over to the new insurer without having to wait out the total waiting period from the beginning again.
Policy continuity: Policy will be denied of there is any gap in policy that’s mean it is very important to port any policy before the existing one expires. As it will provide some points with the insurer insured are applying to being a good customer.
Benefits:
The main benefit of porting a health insurance plan is that of continuity which means that a policy holder can move between insurers without having to leave on the financial benefits added on the previous health insurance plan. The waiting periods are reduced or completely waived off for new insurers so their liability also starts earlier than usual. Though insurance companies are offering these benefits to young policyholders than senior citizens as senior citizens have less chance to continue policies for a longer time.
Health insurance policies come with their own benefits and claims which help insured but if the claims denied by the company then several steps can be taken.
Health insurance policies come with their own benefits and claims which help insured but if the claims denied by the company then several steps can be taken.
Health Insurance plans are the backup or may call protector of people in some serious problems or illness which are life snatching and also have expensive treatments. Besides this, a right health insurance plan is like an assurance for the insured while he/she faces some kind of difficulties; there are lots of people in every country who dies or suffers with lifelong pains due of lack of support.
It is a guide, a friend, a helper, an assurer, a good protector which means an overall coverage for insured person but still it is not enough to get fully covered and having all kind of money while in danger. Health is wealth and no doubt freaking for being healthy and fit is become a mania now-a-days; after advanced technologies and lifestyle people get affected easily. There are various kinds of health insurance policies such as Individual Health Insurance Plans, Family Floater Plan, Children Insurance Plan, Car Insurance Plan, Mediclaim etc. But it is advisable to buy a policy for the parents or old persons of the house as it gill protect them in the time of critical illness or provide the expenditure while hospitalization. Though there are various terms and policies in every health insurance policy and various companies provide various additional benefits to their customer.
Health insurance is beneficial in above cases and it gives financial security also but besides all of this process to file a claim in health insurance policy is simple and quick. Besides all these benefits sometimes the claims got cancelled, in this article we are going to discuss three reasons of the claim denied:
Waiting Period: Most of the health insurance plans come with a fixed waiting period during which certain pre-specified illnesses are not covered. If anyone file a claim for one of these illnesses prior to the end of the waiting period, then the policy will be denied which is a common factor.
Providing incorrect information: If insured provide incorrect information or fail to disclose all the facts related to the health condition, nature of employment or pre-existing conditions, the claim may be denied. All these facts are important to help insurance companies determine the health insurance eligibility and premium.
Steps to take if a claim is rejected: If a claim is rejected, there are several options to overcome this claim rejection; but before this, it is very important for the insured to understand all the terms and conditions as per the policy document. Insured may call their insurance company to find more details, but here is the process of the way of appealing health insurance claim denial:
A claim often got rejected for incomplete information; here insured must provide the details to the company as it is important to keep a record of all the communication with insurer for further help. If a PA is involved, it should be informed.
Sub-limits in health insurance plan is a bit different and difficult thing to understand, as it can raise costs higher or may decrease it lower; basically it is a mid-understood thing.
Sub-limits in health insurance plan is a bit different and difficult thing to understand, as it can raise costs higher or may decrease it lower; basically it is a mid-understood thing.
Health Insurance Policies in today’s scenario works as a support system, but still people should take care of themselves to prevent serious illness. Health Insurance Plans are essential for every person as it gives security and safety to the insured person with various benefits.
There are various kinds of health insurance policies such as Individual Health Insurance Plans, Family Floater Plan, Children Insurance Plan, Car Insurance Plan, Mediclaim etc. But it is advisable to buy a policy for the parents or old persons of the house as it gill protect them in the time of critical illness or provide the expenditure while hospitalization. Though there are various terms and policies in every health insurance policy and various companies provide various additional benefits to their customer. In today’s scenario, the expenses on hospital treatments is increasing day by day which lead the families in problem to fulfill their need while maintain the hospital bills. None can assume about the expenses on hospitalization as the diseases don’t come with previous knocking and the treatment is also can’t be guessed, so it is impossible to keep aside a big amount of fixed money aside for covering the situation.
About Sub-limits:
Sub-limits in health insurance plans means the limits or boundaries that are enforced by the health insurance provider on the time of payment of sum assured when a claim is raised by the policyholder in case of treatment of any medical condition. It is actually a financial limit place by the insurance provider and these limits can be claimed on hospital room rent, ambulance charges, nursing and doctor’s charges etc. and many more.
Importance of Sub-limit:
But understanding the Sub-limits properly in any Health Insurance Plan is a difficult thing while choosing the plan as incomplete knowledge and understanding about this matter can lead people to a major shock or may lead to costs of treatment. Sub-limits are generally known as a fixed value for treatment of any particular illness or can be known as a percentage of Sum Assured for specific diseases.
Though Health Insurance Plans don’t have Sub-limits but have high premiums but yet there are two important Sub-limits that can be chosen in an Appropriate Health Insurance Plan:
Sub-limit on Room Rent:
It is a liability of the health insurance provider to a certain amount or percentage of costs that are related to room expenses and also insurer can place restriction on the type of rooms. Most of the medial expenses includes charges for doctors and nursing, surgical procedures or the operating charges all these are related to the type of room the policyholder avails, after that these expenses adds up to the cost and sub-limit which can increase problems for the policyholder. So the policyholder needs to discuss the sub-limit clause with the provider clearly to avoid further unwanted problems.
Sub-limit on specific treatment:
But before choosing the health insurance policy as per sub-limit, one has to keep in mind to check every condition which are listed on sub-limit clause and also the cost-limit that are added with it. It is not possible to claim the total cost for treatment/hospitalization having a sub-limit clause even though the sum assured is high. For an assured and hassle-free claim settlement, the applicant can go through a thorough understanding of Sub-limit clauses and can choose only those policies that don’t have high costs.
Every health insurance policy asks for some medical tests before taking any plan; these tests are really very important to get to know about health conditions and about premiums.
Every health insurance policy asks for some medical tests before taking any plan; these tests are really very important to get to know about health conditions and about premiums.
Health Insurance plans are the backup or may call protector of people in some serious problems or illness which are life snatching and also have expensive treatments. Besides this, a right health insurance plan is like an assurance for the insured while he/she faces some kind of difficulties; there are lots of people in every country who dies or suffers with lifelong pains due of lack of support. It is a guide, a friend, a helper, an assurer, a good protector which means an overall coverage for insured person but still it is not enough to get fully covered and having all kind of money while in danger.
