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Buying Online Health Insurance Policy

 

We have all heard the elder members of our families cribbing with the typical line, “Hamare zamane me…” The usual comparisons of how things were done better then and how today, due to advancements in technology, things are becoming impersonal and probably worse.

But with 49 million Internet Users, double the size of the population of Australia, Internet has come of age in India. Buying over the internet (ecommerce) growing at 30% annually has been reported to cross a whopping Rs.5000 Crore in 2009. From airline and railway tickets, to bookstores, internet banking, to gizmos and toys, shopping is moving online and how.

All said and done, convenience is king. Postcards have been replaced by email. Matrimonials, Classifieds, Jobs all have moved online.

Health Insurance companies and providers are not behind either. Where buying Online health insurance policy was initially only through personal interface, or through a neighborhood agent, we now also have online health insurance policy buying.

Understand the features, Fill a form online, and pay through credit card or internet banking and ta daa! You are covered with a Health Insurance! There are varied players who sell Online Health Insurance. Each of them has their own advantages, disadvantages.

Insurance Companies Online:

As the heading suggests, these are companies which sell their own products online. It’s like buying the Kingfisher Airline ticket from Kingfisher’s Official Website.

Lead Aggregators:

Lead Aggregators are technology companies which help you compare various health insurance plans, and then once you select a product, pass on your contacts to Insurance Companies, who then service your purchase. Lead aggregators do not therefore provide service. They help you compare products. These companies don’t have any IRDA (Govt.) license to operate. Examples are apnainsurance.com, getmeinsure.com

Online Brokers:

Online Brokers are IRDA licensed Brokers, which provide online comparison of various health insurance products and help you buy the product. They send you proposal forms and fulfill the entire process. Examples of such companies are insurancepandit.com, policybazaar.com etc. Though such organizations provide a one stop solution for all your insurance needs, they mostly aren’t able to provide specialized claims assistance in Health Insurance.

Specialized Online Health Insurance Brokers:

Specialized Brokers are companies which specialize in a specific subject. For e.g. Medimanage.com specializes on Health Insurance. It provides integrated services in Health Insurance, right from Expert Advisory, Technology Powered services and Healthcare knowledge powered claims assistance. Such companies provide a one stop specialized service.

HEALTH POLICY SELLING ONLINE (Advantages)

Saves time – For those who don’t have the time to speak to a personal seller, going through online quotations and policies will definitely save time.
Easy comparison – You can easily compare two or more policies online. Mostly all insurance companies have their information in their websites. And, the website of a dedicated health insurance broker will make such comparison available to you in just one visit without even your having to visit various websites of different health insurance companies.

“http://www.medimanage.com”>Medimanage</a>


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Life Insurance Is The Best Policy For Oneself

For a better economical, bright future it is good to plan to buy a life insurance. One cannot predict about one’s future life. So buying a life insurance no exam policy will definitely give financial help to the insurer’s family, in case of unforeseen death. Hence early action to get a policy when one is young in age is a good solution

The applicants with unfortunate good physical health condition, cannot pass the medical test and so are unable to get the term life insurance. So they have to take the life insurance no exam policy only. A medical test for the applicants is the topmost aspect for applying to the term life insurance. The applicants usually go for term life, because of the cheaper premium rates. These rates remain constant till the end of the term

An individual’s capability to pay for a life insurance is verified by the company to ensure a smooth flow of the transaction.  A life insurance no exam is a higher paying life insurance, so the insurer must have enough resources to sustain its necessity.  The insurer must be able to provide for the life insurance because this is a long term commitment.  If the insurer fails to pay for the said amount, he can be charged with penalties
 
There are some insurants, for strong reasons, defaults in regular premium payments. So the company pre-defines the values of the penalty charges, and levies it on the defaulters. Such penalties are avoidable wastage of money. If the minimum care is taken, this situation can be avoided. In the case of chronic defaulted premiums on policies, the compulsorily contract becomes void. However the company takes a lenient view to allow the insurant to revive the policy on representation. Such a revival would entitle certain fixed sum for completion of the revival transaction

Applicants who will be eligible for life insurance no exam can be classified as below:
-People whose application for instant term life insurance got rejected
-Persons who have diagnosed to suffer from terminal ailments
-Persons who are addicted to alcohol and smoking
-Person who indulge in risky activities or work in a riskier environment
-Person who drive rash and recklessly
-Person whose financial status, can support higher premium rates
-Persons who refuse to undergo medical test

Per a recent survey; it was observed that lot of people are ignorant about the life insurance enrollment procedure. It is advised that such section of people should approach an insurance agent for obtaining life insurance policy. Insurance agent will be able to help the individual’s; right from the application processing to the issuance of the policy. He will ensure that the applicants obtain the desired life insurance policies at any cost. If he is not satisfied with the information obtained from the insurance agent, applicant can definitely walk into the insurance office to seek information about various plans of term life insurance rates. One can choose the best suited term life insurance from the available options presented to him. Added to it, if the applicant carries documents such as identification, address and financial proof, can ensure faster processing of his application

One can obtain the term life insurance rates on the internet. There are lot of websites that offer free term life insurance quotes. All that one needs to do is to fill up the insurance quotes application and submit on the insurance website itself. There are also guides and FAQ ‘s available on the life insurance company website to address all kinds of applicants query

A lot of working people don’t have time to apply for a life insurance even though they wanted to.  They will never know exactly “what are the good benefits it can do for themselves and for their families”.  A good advice for these people is to get the professional services of a life insurance agent.  This individual can handle any kind of situation that he may encounter during the processing.  The good thing about a professional agent is that he will find ways to get the application its approval

This professional agent will do his best to choose the best replacement if the preferred type gets disapproved.  He will never stop until his client gets the satisfaction that he needs.  With the services of an agent, the busy insurer can enjoy his break during the weekend without being bothered by his application that is handled by a professional

Article by David Livingston of EQuote.com, a website with the best term life insurance cost and affordable life insurance information in the country.


Article from articlesbase.com

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Ohio Health Insurance for Individuals

Individuals looking for health insurance in Ohio would do well to seek the support of an insurance agent, or representative of an insurance company. This is the best option for finding affordable health insurance plans. Though all insurance rates are set by the Government, there are many health insurance companies vying with each other to offer individuals the plan ideally suited to their needs.

Individual Health Insurance Options in Ohio

Individuals can opt for either indemnity or managed health care plans. Indemnity plans offer a greater choice of health care providers. The individual has to pay up front and the health insurance company will pay its share of the cost only after it receives the bill.

In managed-care plans, the health insurance company teams up with selected health care providers to provide services at fixed rates. The health care provider submits the claim directly to the insurance company. The insured person has less paperwork and lower out-of-pocket costs compared to the indemnity plan.

Ohio individual health insurance premiums are influenced to some extent by the state of health of the person to be insured – whether he is healthy or had a pre-existing medical condition. The person can get insurance even if is suffering from a medical condition. Absence of medical conditions will lower the price. Basically, Ohio individual health insurance is of three types:

Comprehensive plans: These are expensive as they cover more office check-ups and medical prescription. They come with low premium, additional tax benefits, and allow the insured person complete account access and management
Catastrophic plans: They are high-deductible health plans featuring low rates, but limited medical expense coverage. Out-of-the-pocket expenses are generally higher
Health Savings Account (HSA) plans: Plans which have low premium, and help the insured save for future qualified medical and retiree health expenses on a tax-free basis. The individual has complete access and control over the account.

Finding the Right Health Plan

Websites on Ohio health insurance represent well-known health insurance companies like HumanaOne, Aetna, Medical Mutual and Anthem that offer a wide range of comprehensive plans for individual and families. Getting free quotes is easy through these websites. When looking for a health insurance plan, individuals should make sure they know all about plan benefits and what they include and do not include.

Tracy McManamon is the owner of one of the most popular sites for Ohio Health Insurance.
Get a free quote at One Source Benefits today!


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Affordable Health Insurance Options in Ohio: An Interview With Ohio Department of Insurance Director Ann Womer Benjamin

According to the United States Census Bureau, 87.7 percent of Ohioans had some form of health insurance coverage during 2005, while 12.3 percent were not insured at any time during the year. Additionally, 14 percent of Ohio residents under the age of sixty-five did not have health insurance during 2005.


AFFORDABLE HEALTH INSURANCE OPTIONS IN OHIO


Most Ohioans who have health insurance are covered by either employer based plans or government programs. What options are available for individuals who do not have access to such coverage? Ohio Department of Insurance Director, Ann Womer Benjamin, references the “increasing number of options with Health Savings Accounts. There may be a person, or a family, generally comfortable paying for health care costs, but wants a high deductible policy. Also, for fairly young, fairly healthy individuals, an HSA coupled with a High Deductible Health Plan could really work.”


Health Savings Accounts are not feasible for everyone. Ohio residents who are not interested in HSAs should try to take advantage of alternative plans and programs. “Ohio has an Open Enrollment Program that takes (uninsured individuals) regardless of pre-existing conditions, but is likely costly”, Womer Benjamin explains.


HEALTH CARE COVERAGE LEGISLATION


There are currently two bills in the Ohio Legislature, Senate Bill 272 and House Bill 5 / Senate Bill 5 that are generally supported by the Ohio Department of Insurance as methods of expanding access to health insurance coverage.


Senate Bill 272 would repeal the Open Enrollment Program, as well as the Open Enrollment Reinsurance Program. In its place, the Ohio Health Insurance Risk Pool would be created to provide health care coverage to individuals who are unable to obtain affordable health care coverage in any other manner. This would eliminate the annual periods of open enrollment that sickness and accident insurers, health insurance corporations, and multiple employer welfare arrangements (MEWAs) are currently required to hold. “The Ohio Health Insurance Risk Pool would provide a state fund for those without health insurance coverage. We would support this concept and have various suggestions for funding. We would theoretically be able to reach ten times more individuals than the Open Enrollment Program does currently”, says Womer Benjamin.


House Bill 5 / Senate Bill 5 would permit small employers to offer health care plans that do not provide benefits otherwise required by law. The bill provides for the operation of health savings accounts that are consistent with federal law, and places a limit on an insured’s liability for co-payments and deductibles under a health benefit plan. ODI Director Womer Benjamin asserts that the bill “would provide more options for small businesses, and we are hopeful that that will pass”.


THE MASSACHUSETTS EXAMPLE


On April 4, 2006, Massachusetts House Bill 4850 was overwhelmingly passed by the state legislature. All Massachusetts residents will be required to obtain health insurance coverage by July 1, 2007. The state’s plan dictates that businesses with more than ten employees that do not provide health insurance coverage will be charged a fee of as much as 5 a year for each employee. Government subsidies to private insurance plans will provide affordable health insurance to a greater number of the working poor, and individuals who can afford private health plans will be penalized on their state income taxes if they do not have coverage. Should Ohio consider a similar plan in order to achieve nearly universal health insurance coverage? Ohio Department of Insurance Director Ann Womer Benjamin says that we need to “watch Massachusetts and evaluate the plan’s success and funding”. “Ohio has a larger number of uninsured individuals and is different than Massachusetts, politically.”


Ohioans have a large selection of health insurance carriers and government programs to choose from. Regardless of the provider, it is extremely important for individuals to obtain a health insurance plan. Director Womer Benjamin emphasizes that she is “concerned with people who don’t think they need health insurance coverage”.


About The Ohio Department of Insurance


The Ohio Department of Insurance (ODI) is an informative resource for those seeking information regarding health insurance options in the state. ODI asserts that its mission is to be “responsive to and safeguard consumer interests through education and vigilance while promoting a stable and competitive marketplace among insurance providers”. The Ohio Department of Insurance can help uninsured persons sort through their options, depending on their individual circumstances. For more information, call the ODI Consumer Hotline at 1-800-686-1526.


The Department is headed by Director Ann Womer Benjamin, who was appointed in January of 2003, and is the first woman to hold this position. Prior to this appointment, Womer Benjamin served in the Ohio House of Representatives for eight years.

Erin Shaughnessy is a freelance writer of political and consumer advocacy articles, and is a frequent contributor to Fast Health Insurance.


Article from articlesbase.com

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How to select the Best Health Insurance Policy for yourself

Get the finest health insurance policy for yourself is apparently not the simplest task. One way is of course to call up an agent and acquire what he or she recommends. Probabilities are that you may not acquire the best health insurance plan, but the one which the agent can easily render you.

There are several vital questions which should be resolved prior to going about the task of acquiring the best health insurance policy for you.

Question 1: Whom you are trying to insure under the health insurance policy – just yourself or for your entire family?

Question 2: Does any member whom you are planning to insure have some pre-existing disease for which you do undergo treatment often?

Question 3: What are the average medical expenses you have incurred because of hospitalization within the last 3 years?

Question 4: Are there any hospitals near to your residence which is your preferred place for remedy?

Question 5: Are you and your family members already insured under a group health insurance plan provided by your employer?

Rely on Questions 1 to 3, you should be able to decide on the amount of health insurance policy cover that you would require. If you have not any major expenses in the past few years, depending the amount will be a challenge. Simply it certainly does not mean that you won’t need health insurance cover. The health care prices are now ridiculously high and that could be wiping off a considerable part of your savings in case you meet with an accident or else even get admitted with the ever-threatening flu which is in the air. The costs of treatments for the most basic hospitalizations can get a big dent in your savings. If you haven’t incurred costs, it will be safe to pick out an amount of at least 20% of your current annual revenue, with a nominal amount of cover being Rs. 1, 00,000.

Question 3 is important not only for the amount of policy cover which you require, but also to insure in what period the pre-existing diseases will start getting covered in your health insurance policy. Most companies have a expecting period of 2 to 3 years before the health insurance plans start tracking pre-existing diseases. As Well, it is not wise to hide these facts while applying for a health insurance plan. State all details honestly so that there are no surprises when you go in for a claim. All information should be correctly filled.

Now getting to Question 4 This is a factor that should be kept in mind while purchasing a health insurance policy. Though not an absolute must, one of the crucial reasons for getting health is to ensure that in case of a medical emergency crisis, the last thing that would be a potential hindrance is the availability of money. Hence checking out that the health insurance company has a cashless medical insurance tie-up along with the hospital next to your place can be a huge advantage. So this should be part of the decision making process.

Getting to Question 5 Many of us is insured with a group health insurance policy that looks after our present demands. It is suggested that you buy a policy separately. This gains value as there would be no risks in case you are between jobs planned or unplanned. With corporate India increasingly acquiring the hire and fire plans, the final thing you will need health expenditure when you are jobless. As Well if you opt for an individual plan, there would be a set period to cover pre-existing illnesses. Your call finally, but it is recommended.

Keeping this specifics in mind, shortlist a list of plans and get in for the foremost health insurance policy. Don’t always get in for the cheapest alternative may not be the best thing to do. The foremost insurance obvious to lead a healthy life, but even then an accident can take place thus health insurance is the best choice!

At MyInsuranceClub.com visitors can easily find the best health insurance suited for them by inputting their requirements and seeing a list of all health insurance plans.


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