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Sunday, February 24, 2013

10 Simple Travel Health Insurance Tips

Travel health insurance helps the travelers to know better the insurance policy and to reduce the premium. If travelers know the policy better, they can often save money on travel insurance. Here are top simple travel health insurance tips travelers should know.

Travel Health Insurance Tips
Travel Health Insurance Tips

Tip1: Understanding Travel Health Insurance Policy First

Travelers should read travel insurance policy before purchasing any plan, and better understand the coverage the company has offered. Every policy has few limitations such as pre-existence health conditions and age limits which must be well known to travelers unless it could be a great problem.

Tip 2: Medical Assistance Services

When travelers are going to buy insurance policy, they should ask to the company if they have any assistance service for their clients. Experience shows that there are many assistance service companies which are disinterested to take to emergency calls to real doctors or nurse. But it’s not all the cases, there are some serious insurance companies which pay attention to their respected clients and provide assistance service. Though it is little bit expensive to receive calls from distance, but few companies take their responsibility because minutes can save lives. 

Tip 3: Understand the Preexisting Condition

Travel health insurance policy has few terms and conditions and the travelers should understand the preexisting condition clause of policy. And check these terms and conditions apply since travelers’ departure date, not while purchasing the plan. Suppose travelers buy an annual health insurance policy then these conditions apply to the departure date of every trip.

Tip 4: Buy Health Insurance That Cover Medical Conditions

Travelers who take medication will not congregate with the pre-existing clause and unfortunately you will not get any coverage for such conditions. So check the insurance policy and in case you do not understand compare among different agencies which offer health insurance plan compatible with your medication.

Tip5: Choose Affordable Deductible

Many travelers want to save money while purchasing insurance policy. However, there are various deductible choices in policy by which traveler can easily save money and has to provide fewer premiums.
So choose any deductable which only you can afford. While choosing plan you see there are few policies which have greater deductibles, do not fall into that trap because greater deductable means greater price.

Tip 6: Save Money In Multiple Trips

Generally insurance companies offer health insurance plan in different category such as single trip, multiple trips, individual trip, family or group plan etc., first determine that whether your trip is single or multiple in a year. If you are planning multiple trips then you need to buy annual plan rather than single plan. Annual insurance policy is comparatively less expensive, and you can save as much money as making another travel

Tip 7: Save Money Even In Higher Age Band

All know that higher age people have to give higher premium and lower age people have to give lower amount, but there is little trick to get lower premium yet you are in higher age band. It seems if your birthday will place before your trip, you have to give extra 20% - 40% premium more than earlier, but if you purchase health insurance plan and leave your country before birthday, you can save significant amount of money which you have to pay after your birthday. Even you can save money by purchasing insurance policy before birthday with lower age band.

Tip 8: Follow Doctor’s recommendations

Many people often do not take drugs or medicine even their doctor recommends them because they think it might affect insurance policy. This practice is bad, though it is true but traveler should follow the doctor’s prescriptions because health is important than money. When doctor gives change in medicine, you should take unless the insurance company rejects your claim in the ground of unstable preexistence medical conditions. It would be better while getting an insurance plan provide details about your medical conditions and the medicine you are using. 

Tip 9: Inform Your Insurance Company If Trip Plan Changes

Many people do not inform to their insurance agency when they change in insurance plan and the most mistakes are that they forget or intentionally do not inform their departure time and arrival time. This is the worst case and most important reason to get rejected their claim. Logically why any insurance company covers you if they do not know where you are and what you are doing. They simple void you policy. So inform as soon as you are planning to change your plan r any part the plan.

Tip 10: Show the Proofs of Departure and Arrival

Travel insurance companies sometimes check the proofs of your travel and sadly few people forget to keep record of their medical expenses and other costs and get rejected. There are few ways to keep record such as use credit card on the first day and last day of your trip. Some health insurance companies recommend using stamp on passport while departing from and arriving to your country.

These travel health insurance tips help travelers to purchase insurance policy properly, to get affordable health insurance, to know how to choose deductable which less premium and finally to know how to claim.

Thursday, February 21, 2013

Low Cost Medical Insurance Secrets Which Save Your Money

Low cost medical insurance programs provide insurance policies at very lower price than any other insurance companies. Most of the time students, individuals who are out of work and small-income individualsappear to be the best applicants for low cost or cheap medical insurance. Families and individuals can select different medical insurance policies among the best low cost packages which offer coverage at a very low price.

Low Cost Medical Insurance
 Low Cost Medical Insurance Secrets 

There are few individuals who would like to incorporate dental insurance into their insurance coverage and they may get some lower insurance quotes.  There are many insurance companies which have different lower cost medical insurance packages for college students.

If employer gets insurance plans for employees, companies offer lower premiums compare to any other policies because insurance companies have bulk policies with lower price for employers.A business has lots of employees and if authorities insurance for their employees, they buy insurance policies for all their employees whoare profitable to insurance companies, so they lower the premiums.

Moreover, in some cases, the companies pay a part of the premiums. Though these insurance plans are not expensive, but the employees should careful that the plan covers all the necessary needs.

How to Get Lower Cost Medical Insurance?

The institutions which buy insurance policiesfor their employees may include free yearly full body or medical checkup. This opportunity helps employees to check if there are any serious medical problems without cost.

Medical insurance for employees is common phenomenon among manufacturing industries, industries where workers have to operate heavy machine, construction business and iron industries because in these industries the chance of accident is more than other business. Business which bears the insurance for their employees increases the self-esteem as they care to the employees.

Group medical insurance will be perfect for the groups because medical insurance companies offer better medical insurance quotes than individuals. There are many business proprietors who have small business but in order to get cheap insurance rates they show their business as large industry.

Group insurance policies are greatlycheap if you compare to individual plans that’s why employees try to get group insurance. In group insurance employees have deductibles, co pays, and some factors which are incorporated into insurance rates so it seems individual or family medical insurance will be quite likely same as group insurance in future.

There are some individuals who seek for short-term medical insurance policy when they are out of work. Insurance companies have such medical insurance plans for unemployed individuals at low cost and when they turn out to get a job, they can get medical and medical insurance through their employers mentioning that they have medical insurance.

There are some other ways to get affordable or low cost insurance rate and one is to be a consultant for medical insurance help. Many statistics say that if any consultant gets insurance policies for few groups of people or employees through their employers, that consultant can get lower cost insurance rates compared to others.

Whatever you do in offline the better way to get low cost medical insurance is to comparing medical insurance quotes online and by this process you get multiple options to choose.  To help you there are many informational websites which provides different medical insurance quotes, lower and cheaper rates and above these they can choose the best medical insurance suite for you after analyzing your affordability, income, medical history, travel experience, previous medical insurance records and premiums, employment history and nearest medical insurance companies. They are affiliated with so many medical insurance companies and they have expert insurance consultants, so they can offer cheap but quality insurance packages for you.

Travel Insurance for Students - Travel Insurance Tips

Travel insurance for students is comparatively easy than an insurance policy for others. The number of student travelers is less than the number of ordinary travelers because they have less money to expense, but among those, few students seek travel insurance to secure trips. Student travel insurance offers different facilities as packages if you plan to travel abroad. Travelling may not always peacefully and different types of unknown incidents may occur, so when you are planning to buy student travel insurance, check all the possible cause covers your policy. The better way is to consulting with the travelers who have recently traveled your selected countries.

Travel Insurance  for Students
Travel Insurance Tips for Students

 While checking your policy, focus on what activities you are going to participate such as if you want jumping, swimming and skating, consult your insurer and cover the extra possible causes in these areas.  

The students do not travel twice a year, because it is very expensive. If you want to travel in a year gap, find the cheapest travel insurance that provide all the facilities and reduce your cost. Check online to find student flights if you are planning to go far away from your home country, but if you are going to a neighboring country then check bus or rail insurance.


How to Purchase Student Travel Insurance Policy?

The student can buy travel insurance either as a group or as individual. Group insurance costs less per person and everyone needs to buy it, but individual insurance costs higher. Therefore, the best suggestion is to make up a group with who are willing to travel and buy an insurance policy as a group.

How to Get Additional Insurance Information?

Search online and you will find numerous helpful travel blog, which offer various suggestions, tips and guideline. If you are new traveler, read their travel experiences and get the handful knowledge. Suppose you have planned to travel Mount Everest in Nepal, you can search blog that describe about this and people who recently traveled in Nepal. Mail them if you have any questions.  Many blog sites describe the beautiful sights around your destination, you may choose from them.

Why You Need Annual Travel Insurance Policy?

Students, who travel multiple times a year, should get an annual insurance policy because it’s cost less and hustle free. You don’t have to search or contact many insurance agencies every time you travel. Annual insurance covers primary medical assistance. Insurance agency finds low cost and discounted airfare and other transportation expenses. You should try to apply for insurance through organizations, which is associated with a selected group of quality insurance companies that can provide the services you need to meet up your travel necessities. The basic coverage of your insurance policy should be health insurance for accidents, illness or injuries, baggage loss or delay, and trip cancellation.

When You Should Buy Insurance Policy?

Insurance should be arranged after you deposit money, but you can purchase later with insurance company’s approval. The best way to buy a policy is before leaving for the trip. Some companies offer the options of extending your insurance duration if you are in study or business trip.

Understanding Auto Insurance Basics- What You Need to Know

Buying auto insurance is critical task unless you know the basics of auto insurance; otherwise you have to end up unnecessary costs and expenses. Choose insurance for auto which fits your and your family’s needs. Here are the answers of few basics questions like what is auto insurance,  what does auto insurance cover, what does an auto insurance policy consist of.

Auto Insurance Basics
Auto Insurance Basics 

What is Auto Insurance?

Auto insurance also known as car insurance is insurance which is purchased for vehicles such as cars, trucks and motorcycle. The purpose of auto insurance is to provide financial protection against auto damages and bodily injured which may cause auto accident or traffic collisions.

Insurance for auto is the contract between the auto owner and the auto insurance companies. The auto owner pays a certain amount of money or premium and the insurance company provides a set of coverage the auto owner selects.

What Does Auto Insurance Cover?

Auto insurance covers mainly four basic incidents. The first coverage is for the damage of your car, the second coverage is for the damage of other’s car which is if you accidentally damage another car, and your auto insurance company covers this liability. The third coverage is coverage for medical expenses and the forth is coverage for uninsured motorist which is if anybody without having enough auto insurance policy injures you or your family, your insurance company will cover this.

What Does An Auto Insurance Policy Consist of?

Auto insurance policy consists of three main parts; base policy, declaration page and endorsement page.
Base Policy: this part has the fundamental provision of the auto insurance policy and the responsibility of the both insurance company and auto owner. This page set liability on the insurance company to provide financial protection and on the car owner to telling to the company when the owner faces in accident.

Declaration Policy: this part forecloses the information about the car owner such as the policy holder’s name, policy number, policy limitations, policy liability and premium. Declaration page also has few things such as which vehicles are included into car owner’s policies, who can damage the car and who are allowed to drive.
Endorsements: endorsements have the power to alter the base policy such as to edit, boarder, and limit or add the coverage.

It is auto owner’s responsibility to read carefully these three parts of auto insurance policy, otherwise policy holder will be fully responsible if anything don’t fit with the policy.

Auto insurance is necessary and you need to buy insurance for your auto if you buy a new one. So understand the basics of auto insurance, read the coverage which fits you and buy a policy.

Wednesday, February 20, 2013

Best Travel Health Insurance Plan for You

Travel insurance companies mainly offer two types of travel insurance; one is for property which you take with you and two is your health. You can buy number one travel insurance policy from either your Credit Card Company or travel insurance company.

Best Travel Insurance Plan
Best Travel Insurance Plan

There is an advantage to buy policy from credit card company is that they may cover your cost without any charge because you are their credit card holder and regular customer. The second type of insurance plan can be purchased from various insurance companies which have health insurance plan designed for pre existing medical conditions. But it might be better if your credit card company has plan for this, so check them first.

While you are going to buy best insurance coverage for you, you could find many terms in insurance policy such riders. There are some well-known points include the Accidental Death and Dismemberment, citizens returning to their country, medical evacuations, sudden medical injury and unexpected medical conditions that are not life-threatening. There are much relevant and irrelevant coverage they have for you. 

Before buying best travel health insurance travelers should read and check pros and cons of the fine print and filter which coverage they need. The better plan is make a list of possible coverage at first and compare different plan according to your needs.

Tuesday, February 19, 2013

Travel Health Insurance Quick Checklists While Travelling

Travel health insurance protects international travelers against unwanted situations. But if travelers wish, they could minimize the possibility of medical and health emergencies. In this article the issue has been discussed is what you should check while traveling.

What Are The Steps Travelers Can Take While Traveling?

Travel Health Insurance Checklist
Travel Health Insurance Quick Checklists 

1. Take proper vaccinations when you are traveling a country with high probability of diseases.

2. The food and water of foreign country may not suitable with you, so follow essential steps such as what kinds of food and water can be appropriate for you.

3. Do your homework about obtainable healthcare in your destination before leaving your country. Know how Many popular hospitals are there and what are the locations. Mark the nearest hospitals and their address in case you have to call them, because we all know 911 does not work outside U.S.

4. If the people of your destination speak English, that would be great, but in case they cannot speak English, you would be in trouble. Find few names of English speaking doctors and address of the branches of foreign hospitals which will help you communicating with them.

5. Learn phone number of various trusted ambulances and local health service providers which will help you in case any emergency.

6. Ask the local people where are the pharmacies which are reliable and always open at night in your destination. In case you are out of medication, you can get these easily.

7. Keep a first-aid kit box with you all the time while traveling. First-aid is necessary when travelers go for adventures.

8. Before buying medication from local pharmacies or getting treatments from hospitals, show your previous medical records if you have any. This will help the doctor to diagnosis your health problems.

9. Read your travel health insurance policy to determine what the options you have when you are travelling are. Some travel health insurance companies require to inform them within 24 hours if you face any medical emergency. So a small breach of contract may be danger and the insurance company could not fulfill your claim.

10. If you are in medication under your doctor, inform him or her about your travel and ask do you need any extra medication after leaving home.