Navigating Choppy Waters Made Easy with Marine Crew Insurance

While navigating the seas can be an easy task for mariners, navigating the world of marine crew insurance may not! With a plethora of plans available, crews of marine vessels are often at a loss to choose the right plan. The first stop for any mariner must be their employer—most employers offer some kind of health insurance, although coverage may be woefully inadequate. Remember that yacht crew insurance needs to be valid throughout the world, in most cases. International Medical Group brings its Global Crew Medical Insurance plan, tailored especially for mariners who travel around the world. There are two […]

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OPT Insurance and Graduation: Time for Rejoicing, Reminiscing, and Reality

With students all over the country planning for their big graduation day, OPT health insurance is understandably not the top priority for most students. There is a festive and nostalgic atmosphere on most campuses and for international students, the feelings may be even more intense. After all, they are now entering the big bad world out there. It is important for international students to understand that after graduation, international student health insurance will become invalid. The international graduate who is typically on the optional practical training period must look for appropriate insurance. The first stop might be the college’s international […]

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Nanny Insurance 101: What to Look for

Hiring a nanny may require more costs than merely the cost of the premium—nanny health insurance is often part of the compensation package offered. There are usually two types of nanny insurance offered: long-term health insurance plans and short-term health insurance plans. Long-term insurance plans offer permanent coverage and also cover the nanny if he/she is affected by an illness such as diabetes or heart disease. This type of insurance is typically offered to nannies who plan to be employed for a long time—typically more than two years. Short-term insurance plans offer coverage for a shorter period and are ideal […]

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Enter a Foreign Country with the Insurance You Need

The recession is over and the economy shows signs of recovering. Chances are, business has improved too, and if you are a business owner, you are probably already thinking of how much travel you might need to do this year. In this situation, it is best to purchase annual travel insurance Remember that with an annual travel insurance plan, you will receive insurance coverage for an entire year, regardless of the number of trips you make. The annual insurance plan comes with basic medical coverage including inpatient and outpatient care, and emergency medical services. Repatriation of remains and accidental death […]

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Air Travel in the Time of Volcanic Ash

Millions of dollars in travel insurance policy claims. Thousands of passengers stranded in airports around the world. The volcanic ash over Europe has paralyzed international travel to a large extent. This is exactly the sort of event that international travel insurance plans and trip cancellation insurance plans are purchased for. This is also exactly the kind of event that gives airlines and travel insurance companies a bit of trouble, since it means settling a large number of claims within a short period. If you are one of those clairvoyant few who did purchase travel insurance with trip cancellation benefits, you […]

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Study in Peace with Study USA Insurance

Study USA insurance provides the perfect solution for the international student in the U.S. who hesitates to purchase international student health insurance from a non-university source. The Study USA Healthcare plan meets the health insurance requirements of most universities, and offers coverage at a low cost. The plan offers coverage for international students studying in the U.S., as well as for U.S. students studying abroad. While some benefit limits vary, most coverage remains the same for both plans. There are two plans that the students can choose from. The plan offers a maximum medical expense limit of $250,000(Plan A) and […]

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Waiver of Residence for Reside Blue Insurance

Still waters do run deep, and no one knows this better than the mariner who deals with choppy waters that denote an impending storm. One such disaster that can be avoided easily is falling prey to the financial strain of contracting illnesses when on a vessel. Marine crew insurance plans such as Reside Blue International help a mariner focus on getting the vessel and its cargo to the destination. Reside Blue International provides coverage for mariners, their spouses, and their dependents. The eligibility criterion is that all plan holders must be less than 75 years old, and more than 15 […]

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Dealing with Rejection: The Insurance Way

The insurance business is a tricky one, and health insurance, even trickier. When you file a claim for health insurance, you may just receive a letter stating that your claim has only been partly accepted. You may feel a bit disappointed, but may simply file it away. This is especially true in the case of visitors medical insurance, since it is very tough to understand the way the U.S. healthcare and insurance systems work. However, there are several reasons that claims can be rejected, and a rejection letter is not the end of the claim. One of the major reasons […]

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Unemployed and Uninsured, a Potentially Disastrous Combination

Anyone living in or visiting the United States needs to have health insurance. Period. That can be particularly tough to maintain in the current economic scenario, with fluctuating unemployment rates. U.S. health insurance becomes a dream for many. A recent study shows that more than a third of those worked in a job that provided them with employer-sponsored coverage went without insurance for six or more months after leaving their job. In contrast, the figure was near 5% for those who were working at the end of the survey period. The study brings into sharp focus the problems in receiving […]

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Insurance Debate Rages as States Prepare to Sue

Barack Obama may have overarching ambitions to ensure that the average American doesn’t go without health insurance. However, the bill that the uninsured American might be subject to fines if they don’t have U.S. health insurance by 2014 has run into rough weather. Several states, now 14 in number, have expressed interest in suing the federal government protesting this stipulation. The bill, as it stands now, looks to penalize all Americans, other than lower income Americans, in case they are found lacking in insurance. Also, employers who do not provide adequate long-term health insurance to their employees will also face […]

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