personal medical insurance plans

Basic Tips For Your Personal Finance Success

2011-02-28T01:01:00.000-08:00

A very informative post by Matt Zavadil
There are some basics to personal finance that must be adhered to if you ever expect financial prosperity. Learn and utilize these basics and you'll be surprised at how quickly you achieve wealth, as well as have a plan to protect that wealth.

Legal protection is one of these basics. What good does it do you to build up a sizeable retirement nest egg only to lose it in a lawsuit? Be sure to set up your will, living will and have access to legal advice whenever you need it.

Health insurance should be part of your plan. You want to ensure that your kids, spouse and yourself have adequate coverage in this area. Does your job offer coverage? If so, take advantage of it.

If not, find outside coverage. If you're self employed or if your job doesn't offer any health insurance coverage, you can seek out companies that specialize in providing small business owners coverage.

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Health Insurance Plans For The Expectant Mother

2011-02-24T01:00:00.000-08:00

A very informative post by Wojciech Ciszewski
Excitement over a pregnancy can easily turn into worry and anxiety if a woman has no health insurance coverage. The Pregnancy Discrimination Act of 1978 was created to keep pregnant women from being discriminated against regarding personal health insurance.

Unfortunately, this act does not apply to companies with less than 15 employees or individual health policies. Even if a woman has health insurance, pregnancy may not be covered unless a rider to the policy is purchased. These riders are expensive, have limited coverage and usually have waiting periods from six months to more than a year. A report by the National Women's Law Center in 2009 showed that only 13% of 3,600 national policies covered pregnancy. Even with these difficulties there are options for pregnant women who are without health insurance.

The average cost for a normal pregnancy, which includes prenatal and post partum care, can be anywhere from $10,000 to $12,000 so it is essential to find some type of health insurance. For women considered low-income there are State programs such as Medicaid and WIC that can help with medical care and nutrition. There is also a federal program called CHIP (Children's Health Insurance Program). These programs are run by the Department of Health (DHS) and even if you don't qualify for Medicaid, there may be other programs available. DHS will be able to give you helpful information.

Continue Reading Health Insurance Plans For The Expectant Mother

Lack of Insurance Compounds Chronic Conditions Burden

2011-02-16T00:59:00.000-08:00

For an individual not covered by a company or group insurance policy, private health insurance can often seem like a massive, unbearable and expensive hurdle to overcome.
The choices are numerous and confusing, and taking out a policy for yourself or your family can appear costly. If you have a chronic medical condition, an additional stumbling block can be encountered, as your premiums may become even higher or you may face lengthy periods of no coverage for a pre-existing condition.

As a result, people with chronic conditions often face the burden of high insurance premiums and having to also pay for treatments and medicines related to their long-term problems.

A chronic condition is usually defined by insurers as an illness or disease from which a person is unlikely to recover, or for which there is currently no cure. Examples of chronic illnesses include arthritis, asthma, cancer, cardiovascular disease, cholesterol problems, chronic obstructive pulmonary disease, depression, diabetes, high blood pressure, multiple sclerosis, and osteoporosis.

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Private Medical Insurance Coverage For Major Illnesses

2011-02-15T00:57:00.000-08:00

Ask the typical person what sort of insurance coverage they have and they will usually rattle off the most common policies: automobile, life, homeowners, and accidental death.
While it is common practice to insure one's self and family against accidents and death, far too many people do not consider the importance of having personal medical insurance for major illnesses such as strokes, heart attacks, kidney problems, or even cancer.
This is a major oversight, for major illnesses may involve substantial medical expenses that continue for weeks, months, and even years. If you are uninsured against major illnesses, the financial consequences are potentially far reaching and devastating.

"The unabated rise in health care costs makes private health insurance for major illnesses essential," notes Mr. Joseph Griffin, Chairman and CEO of GlobalHealth International Group in Hong Kong. "This is because a person is now more prone to suffer long-term critical sickness than accidental death."

A long-term illness not covered by personal health insurance can be enormously draining financially for a family, often resulting in a substantial hit to personal bank accounts, investments and even retirement savings.

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Family Planning: Don't Forget Maternity Insurance!

2011-02-14T00:55:00.000-08:00

When you start thinking of the excitement of adding a new addition to your family, don't forget to update your private health insurance policy. Otherwise you could get caught with significant pregnancy related medical expenses.

Most personal medical insurance policies will allow the addition of maternity coverage for an additional annual premium. Some, like the Pallas GlobalHealth plan from GlobalHealth Asia automatically includes maternity coverage for prenatal, delivery, and postnatal expenses, as well as any complications arising from pregnancy, birth defects and congenital conditions at birth.

Having personal health insurance coverage that includes maternity benefits can be a great financial relief when that new bundle of joy enters your life. After all, medical expenses for pregnancy and delivery typically run into the thousands of dollars, and this can easily double if there are complications, when a cesarean delivery is required, or in instances of premature births.

Continue reading Family Planning: Don't Forget Maternity Insurance!

What is Emergency Medical Evacuation and Repatriation Insurance?

2011-02-12T00:52:00.000-08:00

It would be nice if you could leave home and not worry about medical problems when you are traveling overseas. Unfortunately, however accidents and illnesses do occur during business and vacation trips.

Even more unfortunately, medical evacuation and repatriation is not covered by most health or medical policies if you are injured or become sick while abroad.
"It is bad enough to encounter a medical emergency or suffer an accident when you are home. It is even worse when you are traveling overseas," notes Mr. Joseph Griffin, Chairman and CEO, GlobalHealth International Group. "In addition to the stress of a dealing with an emergency while away from home, travellers may also be forced to deal with language barriers, different customers, and inadequate medical facilities."

Read on What is Emergency Medical Evacuation and Repatriation Insurance?

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Characteristics Of Personal Medical Insurance

2011-02-09T00:51:00.000-08:00

A very informative post by Doower

Personal medical insurance is available for those working, studying, or living outside Canada for an extended period. These insurance plans consist of full accident and sickness coverage, including emergency medical evacuation and war risk. Personal medical insurance is primary coverage for any immediate medical expense related to the accident. Commonly referred to as collision and comprehensive coverage, physical damage coverage is not provided by the state motor vehicle insurance account (smvia) for state vehicles, privately owned vehicles, or rental cars used on state business. Personal medical insurance is for the single people or main earner of the family.

The features available to you depend upon the policy you choose and also upon the insurance company you choose. As there can be much exclusion with the medical insurance, so you must check them before taking a personal medical insurance.

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How to Find Personal Health Insurance You Can Afford

2011-01-14T01:55:00.001-08:00

If your employer does not offer group health insurance, if you are between jobs, or if you're self-employed, finding affordable individual health insurance can be extremely challenging. With the vast number of misleading health care policies advertised on the Internet, it's often difficult to separate the legitimate and appropriate policies from the ineffective, or even fraudulent, products. By using safe and secure methods, you can quickly and easily find personal health insurance you can afford, and avoid the possibility of being scammed or left without adequate insurance protection.

1. Contact your state's Insurance Department. Health insurance is regulated at the state level, and any legitimate insurance company that wants to conduct business and sell policies must be registered with your state's Insurance Department. By calling the Insurance Department, you can obtain a list of approved insurance carriers, as well as additional information about identifying misleading or fraudulent organizations.

Read more: How to Find Personal Health Insurance You Can Afford

Should You Self Insure?

2010-11-08T22:43:00.000-08:00

With insurance rates rising, I know more and more people who are choosing to insure themselves.

Rather than paying premiums to an insurance company, they choose to instead save those premiums and other funds in order to cover any damage to their cars or property or, in some cases, to pay for health care. I saw an interview with a man who lived in a flood prone area of the Mississippi River. His riverfront house had just washed away for the third time and the reporter asked him if he had insurance to cover the loss.
“Heck no,” he said. “After the first flood they refused to cover us.”
“But isn’t that expensive?” the reporter asked.
“Sure. But we don’t want to live anywhere else. So we keep enough money to cover the rebuilding and replacing and we never own anything we can’t afford to replace on our own.”

Continue Reading Should You Self Insure?

Global Health Asia provides family and personal medical insurance wherever you live, work or play. People feel safe with personal and family insurance plan because they have the freedom to choose any physician, hospital or clinic in any country around the world.

Taking care of yourself during pregnancy

2010-10-12T03:40:00.000-07:00

Pregnancy is the stage where a woman bears a child in her womb and has to take care of not only herself but also the baby within her. A woman's body can be very delicate during this stage and thus the people around her needs to know what she needs and have to avoid. Some, because of their lifestyle, those who are down because of poverty, sometimes forgets the things they need to do during those nine months. Here's a list of easy activities that doesn't need too much money but definitely important for pregnant woman.

Medical Check Ups
It is the most important for a pregnant woman to have her monthly check ups with an OB gynecologist.

Daily Vitamins
After a check up, the midwife will give the mother free vitamins for the baby's development and also for herself as her body undergoes changes for the child's growth.

Continue Reading Taking care of yourself during pregnancy

Read more at http://www.articlealley.com/article_1334210_61.html?ktrack=kcplink

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Save Thousands On Insurance

2010-09-21T02:58:00.000-07:00

You may be paying too much or paying for the wrong coverage.

When was the last time you took a hard look at your casualty insurance? You may be paying too much for policies covering your house, vehicles, property and liability or, at least, paying for the wrong things.

This is a big-ticket item. In 2008 the average household grossing more than $100,000 spent $2,400 for vehicle and home insurance--more than the $2,300 it laid out for medical insurance, where employers help foot the bill, according to the Bureau of Labor Statistics.

Ace Private Risk Services recently surveyed 600 independent insurance agents, independent meaning that an agent is not the captive of one insurer. These pros said affluent folks typically carry too little insurance for personal liability, the total destruction of their home and damage to collectibles, while wasting dollars on too-low deductibles and too much coverage for ordinary personal property like furniture. Customers also have a habit of failing to ferret out special discounts, such as for having burglar alarms. Here are some pointers.

Continue Reading For the Key Pointers

Who Covers Your Personal Medical Insurance ?

Personal Debt and Health Care Costs

2010-07-09T01:45:00.000-07:00

If you are like most people you do not give a lot of thought about your health care insurance. Some people that have great jobs do not have to worry about coverage. But what about those that are self-employed or unemployed?

The old Boy Scout adage of "Be Prepared" is certainly fitting when it comes to individual and family health insurance. With today's economic problems many people simply can not afford to purchase health insurance. For some people it comes down to putting food on the table, and paying for electricity in their homes that is much more important, and rightfully so.

Considering the financial problems people are faced with, health insurance is certainly on the back burner when looking at personal budgets. This is very backward thinking however, at any time a person or family member may fall ill, or get into and accident. Juggling debt and trying to meet your budget is always challenging. Can you imagine if you were in a car accident, or came down with an illness or disease? You medical costs with no coverage would be astounding. They may very well be so high that you end up losing your home, vehicle, investments etc.

Gambling with your health is just not wise. Many people feel that they would much rather pay for that exotic vacation, or by that high end van they always wanted. Some of these people would rather spend there money on items such as this rather than pay for a health insurance plan.

When you look at buying individual or family or personal health insurance you need to look at all the pros and cons. Some important questions to ask are:
· Is your work coverage adequate?
· Are the rates you're paying (co-payment) equal to other policies?
· Can you save money by shopping around?
· What can your budget handle for the required coverage you need?

Read on personal debt and health care costs

Hong Kong Personal Medical Insurance Plans

2010-06-14T04:14:00.000-07:00

The GlobalHealth Advantage Range

Advantage 100
Features
> Worldwide coverage
> Plan maximum up to US$250,000 per disability
> Choice of deductibles starting at US$500 per disability
> Lowest premiums

Advantage 200
Features
> Worldwide coverage
> Plan maximum up to US$250,000 per year
> Nil deductible up to US$5,000 per year deductible available
> Choice to add coverage for out-patient treatment

Advantage 300
Features
> Option to exclude North American coverage to lower premium
> Plan maximum up to US$2,000,000 per year
> Nil deductible up to US$5,000 per year deductible available
> Fully covered in-patient with extensive pre and post-hospitalization cover

Advantage 400
Features
> Option to exclude North American coverage to lower premium
> Plan maximum up to US$2,000,000 per year
> Nil deductible up to US$5,000 per year deductible available
> Fully covered in-patient and out-patient

Advantage 500
Features
> Option to exclude North American coverage to lower premium
> Plan maximum up to US$2,000,000 per year
> Nil deductible up to US$5,000 per year deductible available
> Fully covered in-patient and out-patient
> Maternity cover up to US$10,000 per pregnancy

To Know About Their Optional Extra Benefits
Visit Hong Kong Personal Medical Insurance Plans

Virginia Health Reform Initiative

2010-05-14T20:37:00.000-07:00

Virginia Secretary of Health and Human Resources Dr. Bill Hazel announced Friday the establishment of a statewide health reform initiative.

The intent of the Health Care Reform Initiative, which will be within the Health and Human Resources Secretariat, is to prepare Virginia for the implementation of federal health reform by planning for the expansion of Medicaid eligibility.

It is estimated that this expansion will increase the number of Medicaid enrollees in Virginia from 270,000 to 425,000, at a cost of $1.5 billion between 2017 and 2022. There exists a pressing need for the Commonwealth to begin planning for the implementation of federal Health Care Reform, while also implementing other innovative health care solutions.

Speaking about the Health Care Reform Initiative, Hazel remarks, “Expanding access to reasonably priced high quality and safe health care is a bipartisan goal. The Commonwealth must make it easier for Virginians to be healthier and to purchase and retain health insurance.

"Virginia is one of many states challenging the Patient Protection and Affordable Care Act and the Health care and Education Affordability Reconciliation Act. However this lawsuit could take two to three years to be settled. As we wait for court decisions, the Commonwealth must comply with the acts and begin preparing for implementation of federal health care reform.

Continue Reading Virginia Health Reform Initiative

Monday Morning Cup of Coffee

2010-05-03T03:38:00.000-07:00

A look at stories across HousingWire’s weekend desk…with more coverage to come on bigger issues:

Regulators closed seven banks Friday, at a cost of more than $7.33bn to the Federal Deposit Insurance Corp. (FDIC) Deposit Insurance Fund (DIF). That brings the 2010 total of bank closing through the first four months of the year to 64. In 2009, there were 29 bank closings from January through April.

The Office of the Commissioner of Financial Institutions of the Commonwealth of Puerto Rico closed three banks. As HousingWire previously reported, analytics firm Trepp believes the FDIC is focusing its resources toward one problematic region at a time. Last week it was Illinois, and as Trepp partner Foresight Analytics projected, this week it was Puerto Rico. The three bank closures there accounted for $5.28bn of the DIF cost.

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12 Ways to Save on Groceries If You Don’t Plan Ahead

2010-04-19T23:37:00.000-07:00

You’ve arrived at the grocery store with no plan. You didn’t review the sales flyer and you don’t have any coupons. Maybe you’re on vacation in a strange place, or maybe you’re just in a hurry and you didn’t have time to prepare. You may not even have a well thought out list. Is this financial suicide? Some savvy grocery shoppers would say yes; that arriving in any grocery store without a plan is wasting money.

However, even if you arrive at the grocery store without a battle plan you can still take some steps to reduce your bill.

Buy store brands: While name brands can sometimes be cheaper if you have a coupon, if you come to the store without coupons, store brands are probably going to be your best bet unless there’s a great sale going on. Wherever you can stand it, go for the store brands.

Pay attention to the sale prices: Most stores keep copies of their sale flyer at the front door or at customer service. If you didn’t check it out beforehand, take a look at it now. Also look for sale prices as you scan the shelves. Most stores mark their sale items on the shelf as well as in the flyer.

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Resources:

All about Budgets
Personal Medical Insurance Plans

Insurance companies agree to cover sick kids

2010-03-31T03:29:00.001-07:00

The story so far: There was some ambiguity over whether the Affordable Care Act's immediate ban on preexisting conditions discrimination for kids also required insurers to offer coverage to sick kids. Kathleen Sebelius, the secretary of health and human services, said she would write regulations clarifying that it did. Some thought that would work, some didn't. I figured it would be about enough to persuade the insurers to cooperate, as this wasn't a very big deal from their standpoint and Sebelius could make their lives miserable in other ways.

And that seems to have been a smart bet. Last night, the insurers sent a reply (pdf) to Sebelius saying, "We await and will fully comply with regulations consistent with the principles described in your letter."

Personal Medical Insurance Basics

2010-03-25T00:31:00.000-07:00

Personal Medical Insurance Plans or Health insurance, in this modern planet of many forms of cancer, coronary disease, AIDS, all forms of diabetes, asthma, aging and other problems and hardships, it is essential to hold some type of medical insurance. There are numerous degrees of health insurance protection on hand; regrettably, just like most things in life, you receive what you pay for, and high-quality insurance coverage could be very expensive.

The 2 main most common terms in referring to health care insurance are usually premium, that is the amount paid for the insurance coverage, and deductible, that is your out-of-pocket charge prior to the insurance pays your provider. For instance, perhaps you may pay $300 premium each month for family members insurance plan, and your deductible could be $250 per person, which means if you fell and broke your ankle and went to the hospital emergency room, you would probably be forced to pay for the first $250 of the bill.
You can purchase very basic catastrophic insurance policy coverage, that would likely have an extremely high deductible and the premium would be less than comprehensive coverage which in turn can have a more expensive premium and lower deductible.

It can be profitable to invest enough time to investigate a variety of insurance plan alternatives, taking under consideration how old you are, your basic overall health as well as the overall health of your family members.

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Hands off my Healthcare

2010-03-18T03:43:00.000-07:00

Hundreds attend ‘Hands off my Healthcare’ rally and sign petition, Chabot makes surprise appearance

Cincinnati, OH - The line outside of the Nathanael Greene Lodge started forming long before the doors opened at 5:30 pm. Attendees came from all over the Ohio, Indiana and Kentucky region, and even as far north as Lebanon, Ohio to sign petitions against the healthcare bill and hear the guest speakers for the “Hands off my Healthcare” rally that had been organized by Americans for Prosperity, The Cincinnati Tea Party, and The Cincinnati 9/12 project.

A sound hookup was set up outside the building for those who weren’t able to get in line early enough to get inside the building, which was filled to capacity. By the end of the evening, close to 500 signatures had been collected.

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know your resources - personal medical insurance plans

Guess who really pays for health care?

2010-03-10T01:18:00.000-08:00

New York (CNN) -- If President Obama had been forthright last week at the health care summit, he would have opened the meeting by stating: "If you have health coverage, under our reform bills you are going to pay more and get less. If you are one of the 45 million elderly or disabled people on Medicare, you are going to get less. There is no such thing as free medical care. Somebody has to pay! And in the end it is you."

Those are the facts! And as Senate Majority Leader Harry Reid stated to the Republicans : "...you're entitled to your opinion, but not your own facts."

However, the facts, as the president has found out, are not exactly a compelling message to persuade a reluctant Congress and public to overhaul nearly one-fifth of the nation's economy.

Adding 31 million people (45 million now don't have coverage) to the health care system will cost the taxpayers trillions over time. Many of that uninsured group can't afford health insurance, and if this legislation passes, the government will create an entitlement program to subsidize them. In the end, like the entitlement programs that have gone before them, they will far exceed any cost estimates on the table today.

Continue Reading Guess who really pays for health care?

Personal Medical Insurance - Individuals & Families

2010-02-17T21:20:00.000-08:00

The 400 / AAA Plan

* Full Refund in-patient, day-patient and out-patient treatment including chronic conditions
* Emergency Medical Evacuation and Repatriation plus other emergency benefits
* Maternity coverage may be standard or optional
* Dental coverage is optional
* Personal Accident coverage is optional
* Available as a Family, Individual or Corporate Insurance plan

The 350 / AA Plan

* Full Refund in-patient and day-patient treatment
* Emergency Medical Evacuation and Repatriation plus other emergency benefits
* Maternity coverage may be standard or optional
* Dental coverage is optional
* Personal Accident coverage is optional
* Available as a Family, Individual or Corporate Insurance plan

The 100 / A Plan

* Full Refund or Sub-Limit (depending on the treatment) in-patient and day-patient treatment
* Emergency Medical Evacuation and Repatriation plus other emergency benefits
* Personal Accident coverage is optional
* Available as a Family, Individual or Corporate Insurance plan

Learn more about Global Health Asia's Personal Medical Insurance

Affordable Personal Medical Insurance - Some Important Suggestions

2010-02-05T00:49:00.000-08:00

Finding affordable personal medical insurance in Ohio that meets the needs of you and your family can be a daunting task anywhere in the United States. Even in Ohio, where insurance rates are often lower than a majority of other states, affordable, quality health coverage takes time to find. When searching for affordable insurance in Ohio, it is wise to educate yourself about the variety of different policy types there are available to you and what personal factors will affect the cost of your own Ohio health insurance plan.

Family and individual insurance plans are both readily available to residents of Ohio. Family and individual health plans can vary greatly, depending on different factors. Individual health insurance plans will be based on age, location, preexisting medical conditions, overall health and other lifestyle specifics.. The younger and healthier a person is, the more affordable their health coverage. Of course, not every individual is youthful and in top physical condition. Finding affordable health plans in Ohio for the individual will take some research.

The Individual will want to find affordable insurance that is high in quality as well. For some, this may take hours of searching the internet and calling an independent agent who specializes in individual medical insurance and one who represents the major insurance carriers in Ohio. However, the more research the individual does, their chances of finding an affordable, quality health coverage policy will increase. Some individual's may even qualify for one of Ohio's Medicaid insurance programs.

Is Private Medical Insurance For You?

2010-01-28T19:13:00.000-08:00

Most people want to get a higher standard of health care, and this may mean getting private medical insurance. Private health care can mean better facilities, shorter waiting times, and of course, doctors who are not always too stressed out to give patients proper care. There are some advantages and disadvantages of going this route.

However, with so many different private insurance policies out there, how do you determine which policy is the best for you?

You must consider the pros and cons. Getting private medical insurance can mean no queues. This can be a great advantage. Other options can cause the waiting time between your referral and the actual treatment to be in the area of 18 weeks. When you are in pain, waiting a day can seem too long.

Having private personal medical insurance plans means you will always have peace of mind. You are in control. If there is a case where you need treatment as soon as possible, you will not have to go through weeks in pain. Your treatment will be scheduled at the soonest possible time.

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Different Types of Personal Medical Insurance

2010-01-17T19:28:00.000-08:00

Personal medical insurance can be very expensive and millions of Americans are uninsured because of that reason. There are too many people that can't meet the expense of the monthly premiums. For a lot of individuals, simply buying a high deductible package would be best. With this kind of program nearly all health care expenses would be paid out of pocket since the deductible is so high. You will want to plan for those few times that you do go visit a physician. A high deductible personal medical insurance program is designed to help protect the policyholder from being financially bankrupt by a substantial medical bill.

For somebody with a chronic disease or a nagging injury that needs to go to see the medical doctor on a regular basis, a more traditional healthcare insurance program would be needed. Most people know the need for a high-quality personal medical insurance plan. A hospitalization, surgery or the treatment of a serious illness or injury would be destructive financially to someone that doesn't have very good personal medical insurance. If you are one of the many Americans that do not have a first-rate benefits package through your job, you'll need to look for your own plan. How do you find a high quality personal medical insurance that is also reasonably priced?

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How old is your health insurance?

2009-12-10T23:09:00.000-08:00

YOUR HEALTH INSURANCE

Have you had your medical insurance plans for more years than you can count? Unlike fine wine, health insurance policies do not necessarily improve with age.

Recently a gentleman who had the same medical insurance policy for "the past 20 some years," in his words, came in to the office.

The premium he is paying simply astounded me. While many people complain that their employer is changing their health insurance coverage each year, that is often a far better scenario than simply paying the bill and not paying attention to it.

The health insurance industry is extremely tumultuous. The savvy consumer, whether an employer insuring his staff, or an individual needing coverage for the family, takes the time to reevaluate health insurance plans each year. If you have had your same insurance plan for more than three years, and have not called your agent to inquire if what you have is still the best company, and product, to meet your needs, you may be throwing money away.

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courtesy of newjerseynewsroom.com

Kroger Offers New Insurance Policy For Pet Owners

2009-12-02T21:12:00.000-08:00

Kroger is offering some financial relief to pet owners during these tough economic times.

Their Personal Finance Team is launching a new pet insurance policy for animals in need of cancer treatment, surgery or those suffering from any other emergency illness.

Kroger has offered pet insurance for two years, but now they are selling a cheaper, basic package for $9.95 a month.

It covers emergencies like a dog swallowing an object or being hit by a car.

Full coverage includes annual visits and services at $29.95 a month for dogs and $24.95 a month for cats.

"In today's economy, customers are watching every penny and accidents are the number one reason that people bring their pets to the vet, Kathy Kelley, President of Kroger Personal Finance says, "So a a 9.95 accident only policy we thought was particularly relevant."

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Making medical examination a must for insurance purposes

2009-10-25T23:57:00.000-07:00

KUALA LUMPUR: The Government has proposed to Bank Negara that medical examinations be made mandatory for those intending to purchase personal, life or personal medical insurance plans, Deputy Minister in the Prime Minister’s Department Datuk T. Murugiah said on Thursday.

The proposal was made following numerous complaints of the non-payment of medical bills by insurance companies, he said.

“On average the Public Complaints Bureau receives about three to four complaints every month on such issues,” he said.

At present there were companies that did not require a medical examination when insurance is purchased, he said.

However, problems arose when claims were made and insurance companies refused to pay because the insured did not undergo a proper medical examination prior to purchasing the policy.

He added that investigations showed that some errant agents were responsible for this problem as “in their zeal to sell policies, they overlook the need for a medical examination prior to sealing the deal.”

Murugiah hoped insurance companies would provide proper training and keep a close tab of their agents to avoid such problems in the future. -- Bernama

Personal Dental Insurance Plans

2009-10-05T01:14:00.000-07:00

What's the best idea you could ever think of? Do you want us to suggest a new one for you? What do you think of personal dental insurance? Well, lately a lot of people have been saying that this is a very good idea.

Before you jump into the bandwagon, you must know how it works. You should also check whether this plan is just for you, or it's something that you and your family can benefit from.

It is a contract that binds the seller and the buyer together. The seller agreed to buy a percentage of the buyer's dental expenses.

In layman's terms, if you do choose to go through any kind of dental procedure, the cost will be covered by the insurance company.

This is the very reason why more and more people are opting for personal dental insurance. The medical procedures in the country have increased. If an operation has to be done, it can destroy a budget that has already been planned.

If you're wondering why dental procedures cost so much, well, just think about the years he spent perfecting his abilities and the price he had to pay for his machinery.

Since you cannot decrease the rate of dental fees, what you can do is just get a personal dental insurance plan that will help you lessen the price you have to pay as part of your personal medical insurance. Do you know that more than half of Americans doesn't have dental plans?

This is according to the American Dental Association. It's time that they do. Teeth shouldn't be taken for granted.

Continue Reading Personal Dental Insurance Plans

What Obama Should Say About Health Care

2009-09-22T10:08:00.000-07:00

(The Nation) President Obama did all the Sunday morning talk shows, as part of a ramped-up campaign to promote his sincere if ill-defined belief that health care should be reformed, and he continued to argue, albeit tepidly, that this reform probably needs to include a public option.

Obama was smooth and smart and presidential and the appearances on ABC's "This Week," CBS's "Face the Nation," CNN's "State of the Union" and on the Spanish-language Univision network will undoubtedly aid his personal approval ratings.

But these exercises in pulled punches and anti-government apologia will do little to advance the cause of genuine health care reform.

Indeed, as Obama describes his notion of a public option, it is so constrained, under-funded and uninspired in approach as to be dysfunctional.

Read on this CBS News

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Personal Health Insurance - How to Get the Best Rate

2009-08-13T20:11:00.000-07:00

Personal medical insurance provides you with financial coverage for medical expenses or lost income resulting from illness or injury. It can include:

* Health coverage

* Dental coverage

* Vision coverage

* Major medical/accident coverage

Typical expenses covered by such a plan include both preventive and diagnostic care such as :

* Physicians’ fees

* Medical exams

* Laboratory tests and X-rays

* Hospitalization costs and surgical fees

* Maternity care

* Prescription drug costs

Continue reading Personal Health Insurance - How to Get the Best Rate

Compare Personal Medical Insurance Plans

The Importance of Personal Medical Insurance

2009-08-11T23:08:00.000-07:00

By Koh YS

A medical policy is an essential product to be considered in managing risk in lives. Anyone can be a victim of critical illness/dread disease and it can happen at the most unexpected time and the person can be in deep trouble, not knowing what to do and whether something can be done about it and if so, how much it will cost.

More and more people are seeking treatment and care from private hospitals and the rising medical expenses is of utmost concern to these patients and their families. It is a known fact that hospitalization and surgical costs have risen tremendously throughout the years. Medicare costs do not only involve medication but also a host of other related services/equipment such as surgery, diagnostic tests, physiotherapy, purchase or rental of medical equipment, ambulance services etc.

These can exhaust a person’s savings or retirement fund in no time at all, depending on how costly it is for that particular need. It is well beyond many people to obtain a large sum of money for surgery, hospitalization and medical attention, of which they might resort to “charity” that could be the most uncomfortable and undignified way. Therefore, it is of utmost concern for every one to realize the importance of medical insurance not only to assume their risk and to protect them against financial burden and even poverty, but to also preserve and maintain their current lifestyle.

Learn more about Personal Medical Insurance Plans