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How to Avoid Scams when Buying Health Insurance for Individuals

There are effective ways to avoid being a victim of health insurance frauds. Health insurance for individuals should be carefully looked at before being purchased.

More and more people are realizing the advantages of investing in health insurance products. In many countries, there are now reforms under way to further improve how such policies are provided, sold, and implemented to the public. Along with the rising popularity of health insurance for individuals are medical scams that accumulate to become a multi-billion dollar industry year after year. Scammers are surely plotting ways to potential attacks. Here are some effective measures to avoid being a victim of health insurance frauds.

Be careful when looking at discount programs. Most of the time, insurers fashion health insurance for individuals as members only plans or discount programs with terms and conditions that are too good to be true. Such programs sometimes offer set fees for medical services brought about by doctors within their network, while their physicians offer many common medical treatments on heavy discounts. In many cases, some doctors provide such services because they expect the patients to need and acquire other services that are not included in the discount list. Services that are outside the coverage usually are too costly that you would end up paying as if you do not own a health insurance policy.

Be prepared to effectively distinguish between discount plans and health insurance plans. The two sets of products are not subject to similar benefits and regulations. While it may be true that not all discount offerings are rip offs of medical insurance products, most of them are legitimate and valuable products as well. However, it is still advisable that you carefully look into details before signing up for any discount programs. Many experts recommend buying traditional health insurance for individuals rather than discount products.

Check the list of local doctors that are accepting medical insurance for individuals. Be sure to get updated copies of the list. In many cases, consumers end up sorry because they would eventually realize that many of the doctors on the list are already retired or are not in business anymore. You certainly would not like a policy that is not accepted by most doctors in your area.

Be Informed

Doing so is still the easiest, most effective, and surest way to possibly reduce your own chances of ending up being victimized by scammers. Always be aware of latest offerings from various medical insurance products and brands in the market. Be informed about latest changes in regulations and legislations that cover health insurance for individuals. Make sure you know a product really well before buying it.

Claims Payment Record Of The Private Insurance Companies

As we know, there are 20 odd private life insurance companies in India, and there is LIC which is a public sector company. LIC is the 800 pound gorilla, managing to hold on to about 75% market share even 10 years after private companies have been allowed into the life insurance space. The private life insurance companies position themselves on being more customer friendly, wider array of products etc while LIC holds on to its positioning of trust, experience and government backing. One of the key parameters on which to judge a life insurance company is their claims payment record. At the same time, we must note that given that life insurance has become more of a savings and investment product, the returns that they provide are perhaps more important than claims payout ratios. Nevertheless, claims record is definitely not a variable to be ignored.

A table illustrating the claims rejection percentages of the top life insurance companies in 2009-10 is presented below:

Life Insurance Company
Claims rejection ratio (%)

LIC 1.21%
Aviva 9.75%
Bajaj Allianz 5.2%
Birla SunLife 10.62%
HDFC Life 4.67%
ICICI Prudential 3.27%
ING Vysya 4.26%
Kotak Mahindra 4.29%
Max New York Life 12.31%
MetLife 5.94%
Reliance Life 7.05%
SBI Life 14.75%
Tata AIG 12.3%

An important observation from the above table is that the claims rejection ratio of LIC is the lowest, thus implying that their record is the best as far as claims payment is concerned. At the same time, the very high percentage of claims rejection of SBI Life and Max New York Life surely comes in as a surprise.

It must however be noted once again that in Unit Linked products that life insurance companies promote aggressively (or at least was promoting till Sep 2010) , the returns earned on the fund is perhaps a more important variable than the claims payment (or rejection) ratio. However, for non life insurance companies, which offer pure protection/insurance products with no savings or investment component, claims payment is the crucial variable along with the speed of processing of claims.

Let us now look at the incurred claims ratios of the non life insurance companies:

Non Life Insurance Company
Incurred claims ratio

New India Assurance 89%
Oriental Insurance 99.69%
United India Insurance 78.62%
National Insurance 99.16%
Royal Sundaram 68.95%
Reliance General Insurance 77.3%
Iffco Tokio Insurance 83.44%
Tata AIG 60.54%
ICICI Lombard 85.35%
Bajaj Allianz 71.9%
HDFC Ergo 80.73%
Bharti Axa 104%%

One data point that stands out from above is that Tata AIG General Insurance seems to be sourcing the best quality business from the underwriting point of view, whereas the claims payment ratio of Bharti Axa seems to be quite high. Alo,the claims payment ratio of the public insurers, at an overall level, is higher than that of the private non life insurers.

Ben Bernanke Economic Views

The US economy may be on the rise from the economic recessions that it has been grappling with, but Ben Bernanke economic views indicates that not every body thinks so. Ben Bernanke is the Federal Reserve chairman who said that Americans would still have to pay more in terms of taxes even when the economy is said to be coming out of the worst of the recession effects. He said that the only way for the country to be rid of the deficit that it is still facing the taxpayers have to pay even more taxes.

Ben Bernanke economic views state that Americans will have to step up to the plate and pay more taxes in Medicare and Social Security. He said that it was only way that they could ensure they have financial stability as well as growth in the economy. Even though he never gave any specific way that the country could help itself, he had views on the economy that would be affected if nothing was done fast.

Medicare and social securities are the most fundamental things that the government is trying so hard to fund, even though it is still having problems doing so. One of the views that that Federal Reserve chairman said was that every citizen was to spend less on such issues and education and defense so that they could try to pay more taxes on the Medicare and social security. He also offered that may be a combination of the two could also work.

He is quoted as saying that it would be possible to revive the economy if the government developed a good plan that would see to the reduction of the deficits that have accrued in the long-term. He believed that this was the only way to attract investors who would lend the government money at low rates.

London School Of Economics Mba Course

London University of Economics MBA program is actually a network analysis specialist within the social sciences; it is situated in London, United Kingdom, as well as a principal federal college of University of London. I t is founded in 1895 by members of the Fabian Society. London School of Economics arranged teaching and research across a range of social sciences, including finance and accounting, economics, anthropology, history, geography, law, international relations, media and communications. In addition, they conduct teachings in philosophy, politics, psychology, social policy and sociology.

London, UK School of Economics MBA are listed as the top though they’ve fallen from the rankings then, they have regain their visibility lately. A London School of Economics MBA ranking is still the leading MBA institution within the globe. They have been ranking fifth, fourth, third and second in the last 5 years until now. LSE also ranks high in other listings like the employer review surveys. In the beginning of the rankings of the employers eyes, they’ve by no means ended outside the leading five universities inside the world.

All through the United Kingdom, London School of Economics MBA had the highest percentage of study on the world’s leading institution of greater education. A leading company school in the UK these days that excels from the rest is performing their ideal in relation to MBA programs. Ashridge Business School facilitates men and women and organizations to be the finest. They’re proud to collaborate with a number of the organizations leading the company to manage the complicated challenges they face, like the formulation as well as implementation associated with tactical enhancement, current administration and also transformation.

The mission of most colleges and universities that gives social sciences courses would be to have a relatively graduate student in enterprise with an Mba degree. London School of Economics MBA offers similarly desired to have their own portion of these kinds of graduate students. LSE has produced many prominent alumni within the fields of law, organization, economics, literature and politics. You will find presently 16 Nobel Prize winners among the alumni and staff of the LSE, past and present, as well as 34 globe leaders and many Pulitzer Prize winners and colleagues of the British Academy.

Fabian Community, left funds in trust to be placed inside the path of advancing its objectives in any way these people deem suggested. London School of Economics MBA report that the proposition to build the varsity was envisioned within the breakfast meeting. The trustees approved the actual suggestion. LSE maintain to have an impression in British society by means of its interactions and also reassurance in politics, economics and law.

How to get cheap vehicle insurance

Are you looking for cheap vehicle insurance? Do you live in Virginia, Maryland, or Illinois? Did you know that getting a quote is free with no obligation to purchase a policy? Go online and compare quotes. Thats the way to do it. Cut out the middle man. If you are using an agent then you are more than likely paying too much for your vehicle insurance. If you go to a direct to consumer company then you dont pay an agent commission. Most likely you will find cheap vehicle insurance by going on line.

It is always a good idea to compare with your current coverages that you have on your policy. You can then directly compare current coverages and rates with the quote you are getting. How will you know if you are getting a good deal unless you directly compare. Look for a better deal each time your policy is up for renewal, or every four to six months. You know it makes sense.

The best vehicle insurance is going to be found by shopping around and comparing. This way save you will save money and get great coverage, great customer service and great claims service. You should always expect this, but if you dont then shop around and get what you expect. Dont settle for less, because thats not the way to get a good deal. Research takes time but this will likely result in a better deal than you have right now.

When was the last time you looked for a better deal with your vehicle insurance. Research is key. Try to get as many quotes as you can from as many companies as you can find. Look for consumer opinions, look at online forums, and websites. Repair shops may also be able to give some advice. Check Virginia, Maryland, or Illinois state government data. These are other options but these are some of the best ways to find out what you need. There are many ways to research and discover the best vehicle insurance companies. Follow some of the advice given above and you might find a better deal that you have right now. If you dont research, you are most likely paying too much for your vehicle insurance. Save yourself some money and spend some time looking for a better deal. Cheap vehicle insurance companies are available to you if you shop around.

You are required to have car insurance so why not have the best vehicle insurance. The cheap deals are available. Research to find them. Dont settle for less than you deserve and make sure you have the right coverage. Cars dont insure themselves. You have to do it for them and for your self.

Shop around, compare quotes, do the research and make an informed decision about you vehicle insurance. It may take some time, but it is going to save you money in the long term. Wait I think I just found the best deal I could find by shopping for car insurance.

How Can A Logistics Service Support Your Corporation

Lets face it, a sinking economy, soaring diesel prices & having to compete against manufacturers that are manufacturing in China means certain disaster for US manufacturers, unless they wake up and do something completely different.

Smart businesses comprehend that they need to do something completely different if they are going to remain competitive, or hope to survive this bloodbath.

Pay close attention to this pearl of wisdom from a very wise man. Einstein once uttered, the definition of insanity is to do the same thing over and over and expect a different result. To state it plainlyDoing business as usual is a sure fire way to find your corporation filing for bankruptcy protection in this recession.

What is a U.S. firm to do?

What if there was a way to grow revenues, boost cash flow, limit inefficiencies and reorganize your employee ability to where it could be better utilized, all without sacrificing quality, service or performance.

Impossible you say?

Believe it or not Fortune 500 companies have been stealthily taking advantage of this overlooked goldmine for decades. What is their secret?

The answer is to think Logistically.

Did you ever hear of the term logistics company?

Imagine if you will that you have a team of highly skilled transportation specialists ready to do what ever you asked. But you might be thinking, That is exactly what I have now.

I understand what you are saying, but pretend having that same skilled group but only having to pay them if they save you money on your freight and shipping expenditures In other words, if your transportation team did not find ways to cut costs that month– then you pay them absolutely nothing.

Now what does that do to your transportation cost equation? It presents a golden opportunity for your business. A 3pl is only paid on a percentage basis of the money saved for the month. Now you know why you can count on a 3pl to look out after your best interests.

How Much Money Could A Logistics Company Potentially Save Me?

Were you aware that the average company saves approximately 34% on their shipping costs after teaming up with a logistics firm?
Think for a moment how much you currently spend on truckloads & LTL freight. Maybe you are only spending $10,000 a year on LTL and truckload. By the end of the year that adds up to $120k spent on freight. What if you could recoup 34% of that and put $ 40,000 into your pocket? Dont forget that is only hard dollar savings so far. We have not even address the soft dollar savings from outsourcing personnel & cutting inefficiencies.

So tell me, what are you going to do with your windfall that comes from choosing to deal with a logistics company?

month loans-Attractive and effective financial aid for you

If you are compromising to meet your financial needs due to less and limited monthly income, take the assistance of additional finance. Do not ignore your financial expenses and desires and get applied with the reliable and affordable financial aid called 6 month loans. These loans are swift and stress free monetary aid that let you overcome your bad financial time. There could be no hassle if you are having no collateral, check this loan aid for better and swift loan aid.

6 month loans do not let you undergo any collateral demand and thus make the application and approval quick and swift in nature. The loan money that you are allowed to pledge can be ranges from 100 to 1500 with simple repayment tenure of 6 months. No collateral demand takes away all the mess and hassle from the application and approval of loan. One can meet all his financial needs and desires such as meeting his medical care costs, paying off sudden car damage repairs, small travelling expenses, go out on weekends, small wedding expenses, get a television for your home and so on.

You may suffer from bad credit factors due to some past credit mistakes. However, no matter whether you are a good creditor or bad creditor, you can enjoy the assistance of 6 month payday loans without any credit issues. CCJ, arrears, defaults, bankruptcy, foreclosures, skipped payments etc. do not affect the approval of loan. The applicant does not have to face the credit mess irrespective of holding any type of credit scores. No discrimination and no risk have to be faced.

Use the internet for the swift and quick financial approach. There are numerous lenders available online offering the deal at varied rates. Comparisons and negotiation with the lender proves fruitful in lowering down the rates. Just fill a single online application form and submit it to the lender. Lender approved your application and sends you the loan money in least possible time.

Whenever you face some unforeseen and troubled financial situation, check out 6 month loans for better approach. It would bring an instant financial support that quickly covers your monetary crisis without a mere fuss. Thus, when you are unable to meet your financial needs that arises between two of your consecutive paydays, this is an effective and worth applying loan option for you.

Make Absolutely Sure You Both Have Individual Insurance Policy Or Vacation Insurance Plan That Will

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ASEAN Human Rights Body Inaugurated, But Activists Barred from Dialogue

Southeast Asian leaders have inaugurated the region’s first body to promote human rights at summit meetings in Thailand. But the inauguration was overshadowed by activists being barred from a dialogue with Southeast Asian leaders and tension between the Thai and Cambodian prime ministers.The Association of Southeast Asian Nations on Friday marked the establishment of its inter-governmental commission on human rights, known as AICHR.Speaking at the ceremony marking the occasion, Thai Prime Minister Abhisit Vejjajiva said it was a significant advancement for ASEAN and placed human rights at the center of its agenda. “The responsibility now rests on all of us to work together to move AICHR forward, to make it credible and effective in the promotion and protection of human rights,” he said.Human rights activists talk to reporters after meeting with ASEAN leaders in Cha-Am, southern Thailand, 23 Oct 2009

But as the annual ASEAN summit in Hua Hin was celebrating the new rights body, rights activists were lamenting.Half of the representatives they chose for an ASEAN-civil society dialogue Friday were not allowed to meet Southeast Asian leaders, while those who were allowed into the meeting were not permitted to speak. The rights activists representing Indonesia, Malaysia and Thailand walked out in protest. The governments of Burma, Cambodia, Laos, Singapore, and the Philippines rejected the activists meant to represent their countries.The governments of Singapore and Burma went one step further by choosing their own representatives for the talks. Debbie Stothard is with the regional rights group Alternative ASEAN Network on Burma.”And by trying to pick people that they feel comfortable who will be ‘yes’ people and echo what they want does not solve the problem, it merely prolongs it. This region cannot afford to let these problems continue,” she said.It was not the first time ASEAN leaders rejected scheduled dialogue with activists. At ASEAN meetings in February, Cambodia and Burma refused to meet with representatives chosen by rights groups.ASEAN Sec. General Surin Pitsuwan, Phuket, Thailand (File)le)

ASEAN Secretary General Surin Pitsuwan told VOA that some flexibility was needed for ASEAN members that were not at the same level of what he called “democratic evolution.”In other controversy at the ASEAN summit, Cambodian Prime Minister Hun Sen repeated an offer to welcome Thailand’s former Prime Minister Thaksin Shinawatra to stay in Cambodia.Thaksin was ousted in a 2006 military coup that led the current government to power. He fled Thailand to avoid corruption charges and has since been encouraging anti-government protests that forced the cancellation of an April ASEAN summit.Thai Prime Minister Abhisit Vejjajiva told journalists that Mr. Hun Sen was misinformed about Thaksin and should not allow himself to be a pawn or make decisions that could affect Thai-Cambodia relations.

Overview of Medical Insurance Fraud and its Remedies

Insurance fraud refers to all types of activities committed with wrong intention of fraudulently obtaining payment from insurers. Majority of times, insurers obtain fraudulent claims from people, running into billions of dollars on yearly basis. In the recent few years, health insurance fraud has become severe problem and big challenge in front of different health-care system of United States. The reason for this is that insurance agents involved in health systems of United States are bearing huge cost because of frequent increase in the numbers of fraudulent health and medical claims. Insurance fraud can easily take place in private and in public sectors. Especially, health care programs conducted at public sector level as if for instance Medicaid and Medicare are highly conductive towards different types of fraudulent activities. One of the major reasons for this is that majority of health insurance companies operate on fees for suitable service structure.

Types of Fraudulent Activities

Now, let us have a look over different types of fraudulent activities, which will go on in insurance sector. These incorporate

Upgrading and up coding of different types of insurance services. This implies billing for more amounts as compared to actual or original offered services.

Insurance claims and billings for all types of treatments, which are not compulsory based on medical advices or suitable medical treatments.

Medical insurance or health insurance fraud also incorporates scheduling of additional visits for patients.

After this, medical insurance fraud may even incorporate referring of patients to another doctor or health expert unnecessarily.

Lastly, fraud in the health and care sector includes billing for different types of services with the objective of accompanying members in the family.

Solution to Prevention of Fraud

With the increase in medical insurance fraud in different cities of United States, insurance companies have started installation of RA7 fraud detection system provided by reputable company named Nemesysco Limited.

-RA7 uses the mechanism of conversational scripts designed carefully to give suitable guidance to agents with the help of expected scenarios. Professionals have custom made all these scenarios for effective implementation of systems by considering type of risk individuals can face and needs of investigation units.-

Installation of RA7

Evert project related to RA7 starts by preparation and scheduling of meeting designed to gain knowledge about exclusive needs of organizations. Meeting plays an important role in preparation of suitable ground for combined wok and ways, in which RA7 can fulfill expectations. Just like people are using the common mobile accessories such as Iphone speakers, Bluetooth headsets, keyboards etc, similarly there are many departments who are making the use of RA7.