Esoteric Insurance: All That Existed Earlier Is Not Pre-Existing

A pre-existing condition does not always mean lack of coverage when you purchase a short-term health insurance plan. Typically, in a short-term plan such as visitors� health insurance, the look-back period determines the coverage that pre-existing conditions are eligible for. Each U.S. state has laws that restrict the look-back period that insurance companies can mandate. So, if you had an episode of hypertension six years ago, when your daughter pierced her navel, and no symptom or episode since, you are not considered to have a pre-existing condition, under most definitions. Usually, international travel health insurance plans have a look-back period […]

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The Long Arm of Short-Term Insurance

The list of beneficiaries of short-term health insurance plans is quite long! Short-term insurance is not meant for travel; it can be used by people in different situations in life. The typical characteristics of a short-term insurance plan are the exclusion of maternity, eye, dental, and routine medical care. When options and benefits are added to the basic short-term insurance plan, its different avatars result. When trip benefits are added to the bare bones short-term plan, the resulting plan resembles an international travel insurance plan. Most international travel insurance plans also offer emergency evacuation benefits. Travel insurance whose duration is […]

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Nanny, Nanny, Which Insurance Should I Choose?

You have identified the perfect nanny,comparable to Maria of the Sound of Music, you think when she asks you about nanny health insurance. Will she be getting any? It can seem like a logical question, and something you need to be prepared for. First things first: It is better to include health insurance as part of the benefits package of a nanny. Financial trouble when medical issues strike can be a disaster for you and the nanny. Also, remember that you can get some tax credit for money spent on insurance for an employee. Remember that although the nanny may […]

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Spellbound: Unraveling the Mysteries of Insurance

If you hear terms related to visitors health insurance policies and they sound like “Expelliarmus” you’ve come to the right post! Insurance terms are really not as bad as the Harry Potter spell that disarms opponents with a jet of light! Let’s look at some common terms that are related to checks that you will probably write. The main involved in any insurance policy is the premium. Premiums refer to periodical amounts paid to purchase the insurance policy. Premiums vary according to the plan duration and age and health condition of the individual. The next cost the insured might have […]

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With the Wind in Your Sails and Insurance by Your Side!

A trip to the Galapagos Islands for a chat with giant tortoises or a dinner with sea lions�does this sound like the adventure of a lifetime? For a mariner, this may just be another day at work; so you can imagine their need for comprehensive marine crew insurance! A domestic insurance policy has geographical and time limitations. What a mariner really needs is seamless coverage�24/7, throughout the year, whether on board the vessel, on vacation, off-duty, or ashore at port. A comprehensive marine crew insurance or yacht crew insurance plan provides all these and more. Marine policies generally provide for […]

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Extreme Activities Cry Out for Evacuation Insurance

Extreme sports can test your physical and mental endurance, and to ensure that exhaustion does not turn into tragedy, medical evacuation insurance is a must. One great example of an endurance race is the Marathon Des Sables, a 6-day, 151-mile race across the Sahara Desert. Participants battle extreme conditions to complete the marathon in aid of a non-profit trust in aid of Africa. One essential feature of the race is the insurance that is provided to all entrants of the race. Benefits usually include medical evacuation insurance, payment of medical expenses, and repatriation of remains. If you’re not the Morocco […]

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Insurance for Need But Not for Greed

David Beckham might be blessed with the best celebrity flat abs, but most ordinary mortals spend their entire lifetimes just trying to get into shape. Now, you might ask, what does U.S. health insurance have to do with reducing weight? The silent epidemic taking over the United States is obesity. One in three Americans can be classified obese and the figures are expected to increase unless we drastically alter our lifestyles and diet. In this vein, it is common for people to seek treatment for obesity and related complications. Will they be covered by health insurance? In cases of extreme […]

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Expat Insurance Irons Out Worry Creases

Living abroad on expatriation carries different risks compared to traveling abroad on a short trip. Expatriate health insurance provides benefit for a longer term as compared to short term policies, which normally cover only up to three years. Living in a foreign country poses several challenges affecting ones health like change in food and water and different clmate. Let’s say George was transferred to the African Republic of Cameroon by his company for 5 years. His wife Susan was pregnant. It rained continuously in Cameroon. Mosquito borne disease was the scourge of the rainy season. Unfortunately, his worst fears came […]

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The Insurance Plan of a Hollywood Movie

A few days ago, I saw a wonderful movie on television, and the one thing I couldn�t help thinking was: I hope the protagonists had worldwide travel insurance, especially one that included trip cancellation insurance. The movie was �The Bucket List� starring Jack Nicholson and Morgan Freeman. In the film, the two terminally ill men, who befriend each other at a hospital, decide to embark on a journey around the world to fulfil a wish list, called the �Bucket List.� They encounter many adventures along the way, Hollywood style, but Morgan Freeman decides to turn back halfway when he realizes […]

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Chalking Up Insurance Plans for School Year Extension

International travel is beset by many uncertainties, and added to the mix, for many travelers, is the question of whether to purchase trip cancellation insurance. Especially this year, the outbreak of the H1N1 virus has thrown many travel plans out of gear, and trip cancellation and international health insurance are more imperative than ever. In addition, some insurance companies are jumping in to also rescue travelers whose plans have been disrupted by a specific event: the extension of the school year because of school cancellations after the outbreak of the H1N1 virus. Many companies offer school extension insurance as an […]

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