tag:blogger.com,1999:blog-60733590456467459662024-02-20T08:44:44.395-08:00Insurance For YourI'm provide sufficient great articles more information such as basics & guides,tips low cost,frequently asked questions and guide to buying.Before your choose Insurance.parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.comBlogger646125tag:blogger.com,1999:blog-6073359045646745966.post-84462733717341834982009-08-11T03:42:00.000-07:002009-08-11T03:45:15.376-07:00Let's Look At Using A Life Insurance Broker<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 11"><meta name="Originator" content="Microsoft Word 11"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5Cacer%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:punctuationkerning/> <w:validateagainstschemas/> <w:saveifxmlinvalid>false</w:SaveIfXMLInvalid> <w:ignoremixedcontent>false</w:IgnoreMixedContent> <w:alwaysshowplaceholdertext>false</w:AlwaysShowPlaceholderText> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> <w:dontgrowautofit/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:latentstyles deflockedstate="false" latentstylecount="156"> </w:LatentStyles> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:595.3pt 841.9pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-bidi-font-family:"Times New Roman"; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} </style> <![endif]--> <p class="MsoNormal" style="text-align: justify;"><span style="font-weight: bold; color: rgb(0, 153, 0);">Today there are so many choices for life indemnity policies</span> that one often wonders how to get a good policy. Indeed we are almost bombarded by all sorts of merchandise from several <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">life indemnity policy insurers</span></a>. Some will advertise on television and many will try to call you to try and convince you to buy their life covers. If you bank with a high street bank, and most of us do, your bank has more than plausibly tried to sell you a life indemnity policy. But is it wise to buy the first life indemnity policy that someone tries to sell you? Clearly the answer to this question is no.</p> <p class="MsoNormal" style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);"><o:p> </o:p></p> <p class="MsoNormal" style="text-align: justify;"><span style="font-weight: bold; color: rgb(0, 153, 0);">You should avoid rushing into any arrangement as a general rule, </span>no matter how convincing the salesman is. The temptation is to go to your bank or building society and conveniently purchase a policy. The problem is you may not get the best deal and your premium may not be competitive. Your bank believably buys indemnity from an insurer and then sells it on to you. They are tied to their indemnity supplier and therefore they may not have the best range of indemnity products to offer you.</p> <p class="MsoNormal" style="text-align: justify;"><o:p> </o:p></p> <p class="MsoNormal" style="text-align: justify;">On the other hand, whenever you use an <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">independent indemnity broker</span></a> you have a more beneficial chance of being offered the best deal. Life insurance brokers are specialists in finding and comparing life indemnity policies from several policy providers. Brokers are generally people who have been in the business for a long time and therefore have an extensive knowledge of what's best for you, under your own particular circumstances. They have a wide repertoire of indemnity providers from which to choose from. <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">Indemnity brokers</span></a> also have good industry and sometimes inside information on the best deals roughly at the time.</p> <p class="MsoNormal" style="text-align: justify;"><o:p> </o:p></p> <p class="MsoNormal" style="text-align: justify;"><a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(0, 153, 0);">Some insurance brokers</span></a> are able to offer you good discounts on your premium. Insurance brokers generally get a discount from their insurers; this is how they make their money. When you know what you are looking for and go to a <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">life insurance broker</span></a> and negotiate well, you may obtain y premium than you would have got when you went to an insurer directly. Since the market is very competitive, the customer will generally be able to negotiate and bring the policy premium down to your budget.</p><p class="MsoNormal" style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0); font-style: italic;">
<br /></p> <p class="MsoNormal" style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0); font-style: italic;">Budgeting your life cover premium is very important too. </p> <p class="MsoNormal" style="text-align: justify;"><o:p> </o:p></p> <p class="MsoNormal" style="text-align: justify;">Though it's generally easy to buy a <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">life insurance</span></a>, you must make sure that you will be able to keep up with the policy premiums. In severe times like throughout a recession the temptation is to cut back on spend. Since an insurance policy executes not pay rearward immediately, people tend to stop their premium payments if they feel they are paying too much or when they have wrongly budgeted. The problem is, as soon as you stop paying your premium, the policy is no longer valid and whenever you do not catch up on payments in time, you have lost the money that you have contributed over the years.</p> <p class="MsoNormal" style="text-align: justify;"><o:p> </o:p></p> <p class="MsoNormal" style="text-align: justify;">So make sure you get the best deal from your <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">indemnity broker</span></a> by hunting roughly. But also, make sure that you are able to keep up the defrayment as per the insurance agreement you sign.</p> <p class="MsoNormal"><o:p> </o:p></p> <p style="font-weight: bold; font-style: italic; color: rgb(0, 153, 0);" class="MsoNormal">by Uchenna Ani-Okoye</p> <p class="MsoNormal"><o:p> </o:p></p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com10tag:blogger.com,1999:blog-6073359045646745966.post-63016654364087899942009-08-06T08:46:00.000-07:002009-08-06T08:50:05.221-07:00Cheap Travel Holiday insurance over 65 - to explore the world in you<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 11"><meta name="Originator" content="Microsoft Word 11"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5Cacer%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:punctuationkerning/> <w:validateagainstschemas/> <w:saveifxmlinvalid>false</w:SaveIfXMLInvalid> <w:ignoremixedcontent>false</w:IgnoreMixedContent> <w:alwaysshowplaceholdertext>false</w:AlwaysShowPlaceholderText> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> <w:dontgrowautofit/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:latentstyles deflockedstate="false" latentstylecount="156"> </w:LatentStyles> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:612.0pt 792.0pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:36.0pt; mso-footer-margin:36.0pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-bidi-font-family:"Times New Roman"; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} </style> <![endif]--> <div style="text-align: justify;"> </div><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><o:p></o:p><span style="font-weight: bold; color: rgb(0, 153, 0);">Life is unpredictable you can cope with sudden events that can be good or bad.</span> For these situations, you're ready for <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">cheap holiday insurance</span></a> over 65 years. This insurance provides financial cover for your holiday spending. It is particularly suitable for people over 65 years.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Anything can happen unexpectedly shortly before your departure date in May due to cancel your holiday. This insurance may cover the cancellation fee. It may be available for you and your family. This insurance also covers medical expenses such as hospital and doctor fees, in case you become ill with the vacation.</p><p style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(0, 153, 0);" class="MsoNormal">
<br /></p><div style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(0, 153, 0);"> </div><p style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(0, 153, 0);" class="MsoNormal">The holiday insurance may provide different types of insurance such as:</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">- Cruise Travel Insurance
<br /></p><p style="text-align: justify;" class="MsoNormal">- International Travel Insurance
<br /></p><p style="text-align: justify;" class="MsoNormal">- Travel one or more travel insurance
<br /></p><p style="text-align: justify;" class="MsoNormal">- Flight Insurance Plan
<br /></p><p style="text-align: justify;" class="MsoNormal">- Travel Medical Insurance</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">This insurance offers special packages for seniors. Part of the massive holiday in general, consists of participating in certain activities and sports. This insurance also covers activities such as bungee jumping, skiing and scuba diving.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(0, 153, 0);">Insurance packages</span></a> to cover the costs of flight delays, damage or loss of personal belongings, trip interruption, baggage loss, emergency evacuation, emergency medical expenses and hospital stays.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">In order to get the best insurance policy, you should explore insurance options available. The best way to explore is by the Internet, where there are thousands of agencies providing <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">insurance holiday insurance packages</span></a> online. Most of them have their own websites through which you can consult with insurance professionals Voyage certified. They will answer your questions and solve your holiday on the insurance free. There is fierce competition in the market, between the various <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">insurance agencies</span></a>. Thus, with the help of good research assignments, you can get insurance at a price.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(0, 153, 0);">Vacation cheap insurance over 65</span></a> is particularly designed for people aged 65 and older. It provides financial cover for your holiday.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(255, 102, 0);" class="MsoNormal">by James Roy</p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com7tag:blogger.com,1999:blog-6073359045646745966.post-87863694886949466342009-07-30T08:57:00.000-07:002009-07-30T08:59:52.571-07:00Planning a family holiday: Travel insurance<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 11"><meta name="Originator" content="Microsoft Word 11"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5Cacer%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:punctuationkerning/> <w:validateagainstschemas/> <w:saveifxmlinvalid>false</w:SaveIfXMLInvalid> <w:ignoremixedcontent>false</w:IgnoreMixedContent> <w:alwaysshowplaceholdertext>false</w:AlwaysShowPlaceholderText> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> <w:dontgrowautofit/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:latentstyles deflockedstate="false" latentstylecount="156"> </w:LatentStyles> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:595.3pt 841.9pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-bidi-font-family:"Times New Roman"; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">With so many people taking to the skies for foreign holidays these days, </span>insurance companies have upped their game and now provide a whole range of <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">travel insurance</span></a> products tailored to meet the specific needs of travellers. Among these is family or group insurance.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">When considering one of these packages, take a look at what providers term as family, as their definitions can differ from company to company. The biggest differences tend to be in the number of children, or the age of children that can be insured.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Your family need not travel together all the time either. Anyone who is signed up tot the family or group policy can enjoy insurance cover wherever they travel to, whether they do so with the family in tow or not.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Further benefits include free child cover.</span> You will find that most policy providers will offer completely free cover to children under the age of two, while others will provide free cover to all children.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Single parent families are now catered for also. Most insurers offer some sort of single parent family reduced rate so that single parent families do not miss out on the reduced <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">insurance costs</span></a> offered to other families.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">It is worth noting that any child who wishes to travel must do so in the company of a named adult. This is particularly pertinent for older teenagers who may wish to travel alone or with friends. Should they choose to travel alone then they will be required to purchase their own separate cover.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">If you are hoping to add an elderly parent or grandparent to your family or group policy, you may find that your premium will be much higher as a result. In fact, you may find some insurers who are unwilling to add anyone in their sixties or older to a family policy due to the increased health risk.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Families looking</span> for insurance for a single holiday can take out single trip insurance, while those who plan to travel broad several times in a year could save more money by choosing to take out an annual <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">family insurance </span></a>policy.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(0, 153, 0);" class="MsoNormal">by Micke Jack</p> <p class="MsoNormal"><o:p> </o:p></p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com4tag:blogger.com,1999:blog-6073359045646745966.post-77125235627223001852009-07-28T01:38:00.000-07:002009-07-28T01:41:30.960-07:00Some useful tips for Travel Insurance Buyer<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 11"><meta name="Originator" content="Microsoft Word 11"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5Cacer%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:punctuationkerning/> <w:validateagainstschemas/> <w:saveifxmlinvalid>false</w:SaveIfXMLInvalid> <w:ignoremixedcontent>false</w:IgnoreMixedContent> <w:alwaysshowplaceholdertext>false</w:AlwaysShowPlaceholderText> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> <w:dontgrowautofit/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:latentstyles deflockedstate="false" latentstylecount="156"> </w:LatentStyles> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:595.3pt 841.9pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-bidi-font-family:"Times New Roman"; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">The most common types of features available for travel insurances are: </span>
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /></p><p style="text-align: justify;" class="MsoNormal">1. Trip cancellation
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /></p><p style="text-align: justify;" class="MsoNormal">2. Accident/Sickness Medical expenses
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /></p><p style="text-align: justify;" class="MsoNormal">3. Baggage/Personal Loss or Delay
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /></p><p style="text-align: justify;" class="MsoNormal">4. Medical Evacuation / Emergency Transportation
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /></p><p style="text-align: justify;" class="MsoNormal">5. Trip Delay</p><p style="text-align: justify; font-style: italic; color: rgb(255, 102, 0);" class="MsoNormal"><a href="http://insuranceforyour.blogspot.com">
<br /></a></p><div style="text-align: justify; font-style: italic; color: rgb(255, 102, 0);"> </div><p style="text-align: justify;" class="MsoNormal"><a href="http://insuranceforyour.blogspot.com"><span style="font-style: italic; color: rgb(255, 102, 0);">Here are some tips which will help you to make your decision about purchasing the travel insurance. </span></a>
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">1. Don't think that taking travel insurance </span>is not worth: Never consider the process of buying the travel insurance as an extra headache before your travel. You may well have the holidays without any problems, but there is always a possibility of some unexpected issues that may leave you with unnecessary stress and an empty wallet.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /></p><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">2. Consider if there are more than one trip you may plan in the same year: </span>Before buying a single trip insurance, consider whether you'll be travelling frequently and therefore better off with annual cover. The annual <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">insurance policies</span></a> can be very reasonably priced and are often better value for money if you intend to travel twice or more during the year.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /></p><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">3. Consider which kind of travel you are planning:</span> Most <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">insurance companies</span></a> offer different plans for different type of travelers. If you are going for a holiday with family, the insurance will be cheaper than for a travel for winter sports holidays which require more accident cover.
<br /></p><p style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);" class="MsoNormal">
<br /></p><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">4. Compare quotes from different companies: </span>Go online and try to get as many as possible online quotes from different companies, compare them to get the best rate.
<br /></p><p style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);" class="MsoNormal">
<br /></p><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">5. Don't go for it in the last minute: </span>Never try to purchase the <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">travel insurance</span></a> in a hurry. Take time to research and analyze, then only you will get a great deal.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(255, 102, 0);">Always do your research carefully, </span>and read over the policy so that you can be sure you're covered for all your needs. Always purchase the travel insurance policy from a reputed <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">insurance company</span></a> with good track records.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(0, 153, 0);" class="MsoNormal">by Radhika</p> <p class="MsoNormal"><o:p> </o:p></p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com6tag:blogger.com,1999:blog-6073359045646745966.post-4225206437149932502009-07-26T09:39:00.000-07:002009-07-26T09:42:16.670-07:00Will My Private Health Insurance Cover Me Against Swine Flu?<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 11"><meta name="Originator" content="Microsoft Word 11"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5Cacer%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><o:smarttagtype namespaceuri="urn:schemas-microsoft-com:office:smarttags" name="place"></o:smarttagtype><o:smarttagtype namespaceuri="urn:schemas-microsoft-com:office:smarttags" name="country-region"></o:smarttagtype><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:punctuationkerning/> <w:validateagainstschemas/> <w:saveifxmlinvalid>false</w:SaveIfXMLInvalid> <w:ignoremixedcontent>false</w:IgnoreMixedContent> <w:alwaysshowplaceholdertext>false</w:AlwaysShowPlaceholderText> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> <w:dontgrowautofit/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:latentstyles deflockedstate="false" latentstylecount="156"> </w:LatentStyles> </xml><![endif]--><!--[if !mso]><object classid="clsid:38481807-CA0E-42D2-BF39-B33AF135CC4D" id="ieooui"></object> <style> st1\:*{behavior:url(#ieooui) } </style> <![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:595.3pt 841.9pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-bidi-font-family:"Times New Roman"; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Swine influenza</span> is a respiratory disease in pigs. The original virus spread to humans and has since been passed from person to person, with a number of reported cases now in the <st1:country-region st="on"><st1:place st="on">UK</st1:place></st1:country-region>. There is no evidence that the disease has been found in pigs in the <st1:country-region st="on"><st1:place st="on">UK</st1:place></st1:country-region>. The fact that the disease has now spread to humans in a number of different countries means that it is now in danger of becoming a pandemic flu outbreak. The word 'pandemic' refers to the fact that the virus is widespread, rather than the level of threat to humans.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Cold and flu viruses </span>are spread by coughing and sneezing, and therefore the Government has released guidelines on preventing the spread of the wine flu virus by disposing of tissues hygienically and covering your mouth when sneezing or coughing. The <st1:country-region st="on"><st1:place st="on">UK</st1:place></st1:country-region>'s plan for dealing with the virus has been identified as one of the best by the World Health Organisation (WHO) and there is a large stockpile of antiviral drugs including 'Tamiflu' and Relenza' which help to reduce the symptoms of swine flu.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);" class="MsoNormal">Is this covered by my private health insurance policy?</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">According to the largest health providers, a case of swine flu would officially be covered under a private <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">medical insurance policy</span></a>, because it is a new, rather than a pre-existing medical condition. However, and this is a big however, many private hospitals would be reluctant to admit you with early symptoms of swine flu because of the duty of care they have to other resident patients. Because Accident and Emergency facilities fall under the remit of the NHS, private hospitals are primarily set up for planned treatment, with little or no resources to deal with accidents or emergencies.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Therefore,</span> you should make an appointment with your GP in the first instance, or to Accident and Emergency if your case is severe. If you then feel that you would prefer to be looked after privately, you should contact your insurer and request that a consultant takes on your case. If this consultant, having examined you, feels that you need to be admitted to hospital, this can be arranged through the insurer. It is definitely worth double-checking with your insurer however, as if you contracted the illness from travelling to a country to which the Foreign and Commonwealth Office (FCO) had advised 'only essential travel' this may invalidate your claim.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);" class="MsoNormal">Access to Swine Flu medication</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">According to the NHS, "Arrangements are being put in place with local <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">healthcare services</span></a> for antivirals to be made available to those who need them". You cannot easily get Tamiflu and Relenza on a private prescription, but an NHS prescription will come from the stockpile that the government has made available on a regional basis. Therefore it is much better (and cheaper) to use NHS resources. Under no circumstances should you attempt to source the drugs online, because you will have no guarantee of the authenticity of the medication or that it has been stored in the correct conditions.</p><p style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);" class="MsoNormal">
<br /></p><div style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);"> </div><p style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);" class="MsoNormal">How do I recognise the symptoms of swine flu?</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">The symptoms of swine flu are similar to those of ordinary seasonal flu. However, due to the fact that this is a new virus and therefore that the general population has little or no immunity, the symptoms may be more serious and cause more complications if treatment is not sought quickly. Symptoms include a cough, sudden fever, aching mucles, a sore throat, diarrhoea and sneezing. Most flu sufferers can be cared for effectively at home. However, if your symptoms worsen, contact NHS Direct on 0845 4647 or make an appointment with your local GP. Please note that unless a pandemic has been announced, it may also be that you have seasonal flu.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(255, 102, 0);" class="MsoNormal">Katie Jenkins</p><p style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(255, 102, 0);" class="MsoNormal">
<br />http://www.SimplyFinance.co.uk</p><div style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(255, 102, 0);"> </div><p style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(255, 102, 0);" class="MsoNormal">Article Source: http://EzineArticles.com/?expert=Katie_Jenkins</p> <p class="MsoNormal"><o:p> </o:p></p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com0tag:blogger.com,1999:blog-6073359045646745966.post-32321016595788756572009-07-21T09:54:00.000-07:002009-07-21T09:56:21.742-07:00Travel Insurance and Swine Flu - Important Frequently Asked Questions<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 11"><meta name="Originator" content="Microsoft Word 11"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5Cacer%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><o:smarttagtype namespaceuri="urn:schemas-microsoft-com:office:smarttags" name="place"></o:smarttagtype><o:smarttagtype namespaceuri="urn:schemas-microsoft-com:office:smarttags" name="country-region"></o:smarttagtype><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:punctuationkerning/> <w:validateagainstschemas/> <w:saveifxmlinvalid>false</w:SaveIfXMLInvalid> <w:ignoremixedcontent>false</w:IgnoreMixedContent> <w:alwaysshowplaceholdertext>false</w:AlwaysShowPlaceholderText> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> <w:dontgrowautofit/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:latentstyles deflockedstate="false" latentstylecount="156"> </w:LatentStyles> </xml><![endif]--><!--[if !mso]><object classid="clsid:38481807-CA0E-42D2-BF39-B33AF135CC4D" id="ieooui"></object> <style> st1\:*{behavior:url(#ieooui) } </style> <![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:595.3pt 841.9pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-bidi-font-family:"Times New Roman"; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Whether its Swine Flu (H1N1)</span> or any other outbreak of infectious disease, you may or may not be covered by your <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">travel insurance policy</span></a>. It all depends on the circumstances and the fine print on your travel document. Here are some of the frequently asked questions that travelers are asking about swine flue.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);" class="MsoNormal">Am I covered if I catch swine flu on holiday?</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Yes - if you have a normal <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">medical travel insurance</span></a> policy and you get ill any doctors visits, hospital stays, medication, and costs associated with changes to travel plans will be covered. Swine flu is just another disease and your policy will cover you. Fortunately for most healthy adults a hospital stay is unlikely.</p><p style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);" class="MsoNormal">
<br /></p><div style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Am I covered if I get swine flu before I go on vacation? </span>
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Yes you should be - most comprehensive <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">travel insurance</span></a> policies will cover your for costs incurred when you have to delay or cancel your trip because of either your illness or that of a traveling companion. You may also be covered if a close family member gets ill - check the fine print.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">I want to cancel my vacation to </span><st1:country-region style="font-weight: bold; color: rgb(0, 153, 0);" st="on"><st1:place st="on">Mexico</st1:place></st1:country-region><span style="font-weight: bold; color: rgb(0, 153, 0);"> - and I covered? </span>
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Maybe is the answer to this one. If your government has advised against travel to a specific destination because of a pandemic, or other reason - then your travel insurance should cover you for loss of deposits etc. However, if you have decided you want to cancel just because you are nervous - and there is no government advisory against travel to your main holiday destination - then its unlikely that you are covered. In this case you will only be covered if you have a "cancel for any reason" clause in your policy.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Conversely</span> - if you decide to continue a trip to a country that has an advisory against it then your travel insurance is probably at least partially void. For example if you travel to <st1:place st="on"><st1:country-region st="on">Mexico</st1:country-region></st1:place> when there is an official advisory against travel to that country and you do contract H1N1 while there - its unlikely that your insurer will cover your medical costs - check before you leave. You may wish to either cancel your travel insurance (no use in paying for it if they are not covering you) or change <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">insurance companies</span></a>.</p><p style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(255, 102, 0);" class="MsoNormal">
<br /></p><div style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(255, 102, 0);"> </div><p style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(255, 102, 0);" class="MsoNormal">Article Source: http://EzineArticles.com/?expert=Robert_H._Jones</p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com1tag:blogger.com,1999:blog-6073359045646745966.post-9971261564297318442009-07-21T09:35:00.000-07:002009-07-21T09:38:46.271-07:00The Impact of Swine flu on the Travel Industry<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 11"><meta name="Originator" content="Microsoft Word 11"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5Cacer%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><o:smarttagtype namespaceuri="urn:schemas-microsoft-com:office:smarttags" name="place"></o:smarttagtype><o:smarttagtype namespaceuri="urn:schemas-microsoft-com:office:smarttags" name="country-region"></o:smarttagtype><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:punctuationkerning/> <w:validateagainstschemas/> <w:saveifxmlinvalid>false</w:SaveIfXMLInvalid> <w:ignoremixedcontent>false</w:IgnoreMixedContent> <w:alwaysshowplaceholdertext>false</w:AlwaysShowPlaceholderText> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> <w:dontgrowautofit/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:latentstyles deflockedstate="false" latentstylecount="156"> </w:LatentStyles> </xml><![endif]--><!--[if !mso]><object classid="clsid:38481807-CA0E-42D2-BF39-B33AF135CC4D" id="ieooui"></object> <style> st1\:*{behavior:url(#ieooui) } </style> <![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:595.3pt 841.9pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-bidi-font-family:"Times New Roman"; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><st1:country-region style="font-weight: bold; color: rgb(0, 153, 0);" st="on">UK</st1:country-region><span style="font-weight: bold; color: rgb(0, 153, 0);"> travel company</span> DialAFlight reports that after a two week slump in sales of airline tickets to <st1:country-region st="on">Mexico</st1:country-region> and <st1:place st="on">Cancun</st1:place> levels are gradually picking up and getting closer to the normal seasonal average.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">This can be attributed to two factors. Firstly, the World Health Organisation is not recommending travel restrictions related to the outbreak of the influenza <span style="font-weight: bold; color: rgb(255, 102, 0);">H1N1 virus</span>. Their focus is on minimising <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">Swine flu's </span></a>spread, with rapid identification and proper treatment, rather than trying to prevent its spread by imposing travel restrictions, which would only disrupt travel and commerce.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Secondly,</span> as a consequence of the tourist trade coming to a virtual standstill, the prices of flights and accommodation in <st1:country-region st="on">Mexico</st1:country-region>, and especially <st1:place st="on">Cancun</st1:place>, have come right down. Restaurants and bars are trying to woo tourists back by offering two-for-one deals on food and drink and hotels have slashed their prices after seeing occupancy rates drop 40% by the seasonal average.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">In recent days the Mayor of Mexico City</span> has spoken to say that the outbreak seems to be stabilising and life is beginning to return to normal after a citywide shutdown that lasted 5 days. The Mayor said how important it was for <st1:country-region st="on"><st1:place st="on">Mexico</st1:place></st1:country-region> not to be ostracised by the rest of the world and now that levels seem to be stabilising business and tourism should be able to return to normal in the country.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Travel to other destinations most affected by the virus, namely the <st1:country-region st="on">United States</st1:country-region> and <st1:country-region st="on"><st1:place st="on">Canada</st1:place></st1:country-region>, remains relatively unaffected, with flights continuing as usual to these destinations. What was initially thought of as a global pandemic that could rival the current economic crisis, in terms of its impact on travel and business, seems to be stabilising and recovering. Everyone needs to continue to be vigilant, but this needs to happen on a global scale and the rest of the world shouldn't exclude <st1:place st="on"><st1:country-region st="on">Mexico</st1:country-region></st1:place> on the basis that it was the source of the virus.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(255, 102, 0);" class="MsoNormal">by Karen Hart</p> <p class="MsoNormal"><o:p> </o:p></p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com0tag:blogger.com,1999:blog-6073359045646745966.post-28294648629903377042009-07-14T09:07:00.000-07:002009-07-14T09:09:04.000-07:00The importance of travel insurance<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 11"><meta name="Originator" content="Microsoft Word 11"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5Cacer%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:punctuationkerning/> <w:validateagainstschemas/> <w:saveifxmlinvalid>false</w:SaveIfXMLInvalid> <w:ignoremixedcontent>false</w:IgnoreMixedContent> <w:alwaysshowplaceholdertext>false</w:AlwaysShowPlaceholderText> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> <w:dontgrowautofit/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:latentstyles deflockedstate="false" latentstylecount="156"> </w:LatentStyles> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:612.0pt 792.0pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:36.0pt; mso-footer-margin:36.0pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-bidi-font-family:"Times New Roman"; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Everyone loves a holiday,</span> but not everyone loves planning them. From sorting out and exchanging your travel money, to booking your <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">holiday insurance</span></a>, there is a lot to consider when you plan a trip abroad.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">However, this is no reason to skip this step altogether. Although you are not legally required to purchase <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">travel insurance</span></a> before you go on holiday, it is strongly advised, because if you do not, then you will personally be liable for any costs incurred when something does go wrong.</p><p style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);" class="MsoNormal">
<br /></p><div style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Without insurance you run the risk of having your holiday cut short,</span> as you may need to use all of your available cash for treatment or a plane ticket home. Should you need all of your money for treatment, then you could well be left without a penny.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(0, 153, 0);">The cost of holiday insurance </span></a>has dropped dramatically over the years as more of us choose to travel abroad for holidays each year. And you can save more by looking at what is available on the market rather than just opting for the standard insurance package offered conveniently to you by your holiday company.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">You might be able to find a great deal using an internet comparison website, which provides quotes from countless different insurers using a single set of data at the click of a mouse. None of these are completely comprehensive, however, as some insurance providers choose not to pay commission to these sites in order to be able to offer lower premiums, so it might pay to try a few providers that are not listed on the site as well.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">A basic travel insurance plan should cover you in the event of cancellations and delays, illness or injury, the loss or theft of your possessions, and personal and third party accident liability.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Those who are travelling on a holiday that may increase the risks to their health, such as an extreme sports or skiing holiday, may need to add extra cover to their chosen travel policy, or seek out a specialist insurer instead to obtain full cover.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">One last tip</span> is to take photocopies of all of your travel insurance documents and carry a copy with you at all times during your holiday. This way, if you ever need to get in touch with your insurer during an emergency, you will have all of the relevant information with you.
<br /></p><p style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(255, 102, 0);" class="MsoNormal">
<br /></p><div style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(255, 102, 0);"> </div><p style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(255, 102, 0);" class="MsoNormal">by Neon Glory</p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com0tag:blogger.com,1999:blog-6073359045646745966.post-66838843509875089002009-07-08T22:32:00.000-07:002009-07-08T22:34:34.075-07:00Insuring your Holiday against Swine Flu<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 10"><meta name="Originator" content="Microsoft Word 10"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5CWARAKIT%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:595.3pt 841.9pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:ตารางปกติ; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman";} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Wherever you travel</span> in the world, there are certain risks and considerations that you take into account without even realising it, such as acceptable women's dress in Muslim countries; vaccinations prior to travelling to countries with Malaria risk; even making sure you carry the correct currency and learn foreign phrases in a local dialect.
<br />
<br />The risks involved in disregarding such matters are obvious, yet there are many more involved in international travel that you cannot prepare for, such as viral outbreaks. When, in 2009, an outbreak of Swine Flu, Influenza A virus subtype H1N1, was announced in Mexico, the U.N. World Health Organisation (WHO) and the Unites States' Centre for Disease Control (CDC) warned that the situation, if uncontrolled, could escalate to a pandemic. The outbreak currently sits at Level Five, just below the required Level Six to indicate a pandemic.
<br />
<br />Although widespread international panic ensued and untold numbers of holidaymakers were disrupted, whether they were visiting or had visited Mexico or not, potentially millions were undeniably saved because the threat was taken seriously, with travellers screened at airports and placed in quarantine if they were suspected to be carrying the virus.
<br />
<br />Such unforeseen circumstances challenged international air travel to its limits, forcing countries to work together to ensure a pandemic did not occur as people returned unchecked to their home countries before a diagnosis was made global, in April 2009. In total, over 5,000 cases were announced in Mexico alone, with 97 deaths. By June, the virus was said to have reached over 66 countries worldwide.
<br />
<br />Because of such unavoidable risks, it's vital that when you travel you are fully covered by the appropriate <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">travel insurance</span></a> that ensures you can receive medical attention whenever it's required. Failing to carry valid and appropriate travel insurance could result in delayed treatment and high medical bills.
<br />
<br />If you're planning to travel to global destinations, then you could benefit from <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">worldwide travel insurance</span></a>, which can cover long stays, short breaks, single trips, or even multiple trips throughout the year to anywhere in the world and would enable you to seek medical assistance in the country you visit.
<br />
<br /><span style="font-weight: bold; color: rgb(0, 153, 0);">You could also benefit from taking particular precautions</span> in learning how to prevent the spread of infection. Good respiratory and hand hygiene is best in the case of Swine Influenza. In the same way you would prevent the spread of human flu, you can apply precautions such as always using and disposing of a clean tissue once sneezing, and washing your hands after sneezing. Should you experience any flu-like symptoms drink plenty of fluids, rest and take paracetamol, ibuprofen or aspirin to ease any symptoms such as head or muscle ache. As with common flu, should symptoms persist for a prolonged period, or if new symptoms manifest, such as rash or aversion to bright lights, then you should consult your doctor.
<br />
<br />You could also benefit from adhering to official advice on travel and considering whether your trip or holiday is necessary. If you do find yourself in an international location and you could be at risk of infection of any kind, pay attention to local health warnings and advice and, if in doubt, seek the opinion of a medical professional.<o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><o:p> </o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; font-style: italic; color: rgb(255, 102, 0);">by Adam Singleton</span><o:p></o:p></p> <p class="MsoNormal"><o:p> </o:p></p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com0tag:blogger.com,1999:blog-6073359045646745966.post-76830770885003936162009-07-08T22:29:00.000-07:002009-07-08T22:31:01.872-07:00Holiday insurance on a shoestring<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 10"><meta name="Originator" content="Microsoft Word 10"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5CWARAKIT%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:595.3pt 841.9pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:ตารางปกติ; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman";} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">If you are heading off on holiday but have a tight budget to stick to, </span>this does not mean that you should forgo travel insurance. This is a very important aspect of any travel plan, as if you should fall ill or require medical treatment abroad, the costs can be high, and you may not be able to meet these costs yourself.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(0, 153, 0);">Most holiday insurance</span></a> products include some form of insurance for your lost, stolen or damaged luggage. You can choose to opt out of this part of some policies when you are travelling with a minimal amount of luggage. So pack light, and it could save you cash.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Health insurance for your trip is always important, but <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">insurance against</span></a> the cost of your holiday in the event of cancellations could be made irrelevant if your holiday package was particularly cheap. Look at the excess required on making a cancellations claim. It could be that the excess payment is almost as much, or even more than, the cost of your flights, in which case this part of a travel insurance policy may not be worth your while.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">It may surprise you to learn that some holidaymakers make the mistake of paying for too much travel insurance each year. Make sure you are not one of them by checking all of your <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">current insurance</span></a>, medical and credit card policies for any existing overseas cover that may be included. It may turn out that you have all the cover you need already.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(0, 153, 0);">Several insurers</span></a> will offer you cover that includes a guarantee to refund the cost of your holiday and fly you home should you get into difficulties following the bankruptcy of either your airline or travel company. The recession has shut down several such companies over the past couple of years, but if you have booked your holiday through a company that is financially sound, then you may want to do without this extra cover cost.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">If you are a UK citizen travelling to Europe, then you could save a little on medical cover by obtaining a free European <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">Health Insurance Card</span></a>. Although it does not cover you for all medical costs, and will only pay for state-provided medical treatment, it does mean that you are entitled to free or subsidised healthcare in every country in the European Economic Area.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Whenever you come to sign a policy, you need to double check that you are getting value for money. For example, when it comes to cancelling your trip, insurance providers can be very rigid in the reasons they deem acceptable for cancellation. So it is a good idea to check that your proposed insurer has an acceptable number of cancellation causes first.</p><p style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(0, 153, 0);" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(0, 153, 0);"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; font-style: italic; color: rgb(0, 153, 0);">If you are a frequent budget traveller</span> then instead of going through the hassle and expense of having to arrange insurance every time you go abroad, change to a yearly insurance policy. This type of policy allows you a certain number of trips or a certain number of miles worth of travel each year for which you pay only once. This is usually far cheaper than taking out separate policies each time.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; font-style: italic; color: rgb(255, 102, 0);">by Neon Glory</span><o:p></o:p></p> <p class="MsoNormal"><o:p> </o:p></p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com0tag:blogger.com,1999:blog-6073359045646745966.post-47553619286409657302009-07-02T05:47:00.000-07:002009-07-02T05:48:58.351-07:00Finding the Cheapest Auto Insurance Company<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 10"><meta name="Originator" content="Microsoft Word 10"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5CWARAKIT%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:612.0pt 792.0pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:36.0pt; mso-footer-margin:36.0pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:ตารางปกติ; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman";} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">There is not a singe vehicle coverage provider that can be deemed as the cheapest car insurance company for all. There are two reasons behind it: </span>First, every insurer will offer each individual a different rate. Similarly, a policy which is not suitable for one person may be highly suitable for the other person. The second reason is that any plan offers the service of risk coverage. Now for one person even the minimum liability coverage may be sufficient but for the other even the minimum liability along with collision and comprehensive coverage may not be sufficient. This is because any plan is bought on the basis of risk perception of the individual, which varies from person to person. Therefore, in order to find a cheap policy, one needs to adopt various strategies to reduce the cost of coverage.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">One of the most effective strategies to get the most <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">affordable auto insurance</span></a> policy is choosing and finding the lowest rate on the basis of comparison of all offers. In this case, the first step is to calculate the coverage needs. Based on the need, one should obtain a quote from multiple insurers and compare them on various parameters such as cost of coverage, extent of risk coverage, deductibles, discounts, territorial limits, surcharges etc. Based on this comparison, one can find and choose a cheaper policy.</p><p style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">However,</span> while comparing quotations many people commit the mistake of comparing only on the basis of cost of coverage without realizing the fact that risk protection is more important than the price. This is because the main purpose of buying any plan is to reduce the potential risks and there is no use buying a policy which does not cover all the risk necessary. Therefore, one should be careful of not choosing a quotation which has low cost but also covers the least. Infact, one may choose a quote which might cost little higher but covers all their needs compared to a quote which is comparatively cheaper but does not do the same.</p><p style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(255, 102, 0);" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(255, 102, 0);"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; font-style: italic; color: rgb(255, 102, 0);">by Licensed agent</span><o:p></o:p></p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com1tag:blogger.com,1999:blog-6073359045646745966.post-57419201740483612492009-06-28T22:47:00.000-07:002009-06-28T22:48:23.601-07:00More Myths about Auto Insurance<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 10"><meta name="Originator" content="Microsoft Word 10"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5CWARAKIT%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:595.3pt 841.9pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:ตารางปกติ; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman";} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">There are myths out there for just about anything you can think of. </span>Myths about science, myths about people, and even myths about auto insurance. If you are looking to buy <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">auto insurance</span></a> in the near future, here are a few busted myths about the auto insurance world.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">When signing up for auto insurance,</span> don't be misled by the wonderful sound of no-fault insurance. If you get into an accident and you have no-fault insurance that does not mean that you are automatically not at fault. The only thing that this means is that your <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">insurance company</span></a> will pay for the damages done regardless of whether you or the other person is at fault. If you get into an accident and have no-fault insurance, your premium will most likely still go up if you are found to be at fault.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Age does matter when an insurance company is determining your rate. One of the most commonly spread myths is that males under the age of 25 automatically pay more for their auto insurance. This typically is true to some extent in that males under 25 are typically charged more than females under 25. However, is happens that teenagers and senior citizens actually pay the most for auto insurance. So even if you are a male under the age of 25, you are probably not paying the most for insurance out of any group of people.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Another common misconception is that collision coverage covers you in the case of theft, natural disasters and accidents involving you hitting anything other than another vehicle. This is actually false. If you want to be covered in the case of any of those incidents, you will also need comprehensive coverage. Collision coverage only pays for the damages done to your vehicle in the case that you are in an accident with another driver. Comprehensive coverage takes care of you when something is stolen from your vehicle or if you hit a deer. If you are worried about any of those things happening to you, make sure to get comprehensive coverage as well as collision.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Lastly,</span> even if you may have never been in an auto accident, you still need <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">auto insurance</span></a>. Not only is it helpful to you just in case you do get into an accident in the future, it is also required by law in all states, and if you get pulled over for some reason and don't have insurance, you can get fined a lot of money.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; font-style: italic; color: rgb(255, 102, 0);">by Art Gib</span><o:p></o:p></p> <p class="MsoNormal"><o:p> </o:p></p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com3tag:blogger.com,1999:blog-6073359045646745966.post-70464894958485197572009-06-27T00:02:00.000-07:002009-06-27T00:03:48.842-07:00You Must Always Compare Auto Insurance Quotes<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 10"><meta name="Originator" content="Microsoft Word 10"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5CWARAKIT%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:595.3pt 841.9pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:ตารางปกติ; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman";} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">It's very important to always compare your car insurance costs before deciding on one. </span>Insurance costs can vary quite a bit, and it helps you to know the different types of insurances options to you. If you follow the right method of looking at the costs, then your chances of getting a better deal is that much better.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">There are several different factors that can affect your <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">auto insurance quotes</span></a>. Some of these factors include your age, car type, location, and driving history. If you are looking for accurate quotes you must provide the same information each time. Of course if you are looking for the cheapest quotes possible, you can try using a different car, or putting the insurance in someone else's name.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">When you start looking for <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">car insurance </span></a>it is important that you use all your resources possible. Besides just looking to your own insurance company, be sure to check the internet and ask any friends you know about their insurance. By doing this you can find every possible resource to help you save money. It will help if you check the phone book as well, to see if there are any other companies in your area.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Talk with each agent and give them your personal information to find out what quote they offer. You can also get quotes from offline by searching for the top<a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);"> car insurance companies</span></a>. Haggling is somewhat allowed when looking for car insurance, but you must do it in the right way. If you have found a cheap price, tell your agent about it and see if they will give you the same deal, or better.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">The price that you get is very much depend on the type of coverage that your get from the insurance company. There are various types of plans you can get which include Medical, Liability, Comprehensive, and Collision. Some of the plans only provide coverage for your medical bills but doesn't help to get your car fixed. Make sure that you know as much as possible about these plans, and then choose the one that is best for you.</p><p style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">All drivers must get their car insured,</span> and if you don't have it means you are at great danger. If you do get involved in a car accident, then you may have to repair both cars and take on the medical expenses for both parties. Unforeseen financial trouble like this can spoil your financial condition for years. It is also considered unlawful in many states to drive without a car insurance proof.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Getting the best insurance deal means having lower premiums and greater coverage.</span> Ensure that you fully understand the insurance plan before signing it. To continue your insurance policy you must pay your premiums on time. You must get the agreement terms discussed by an agent you have faith on before agreeing to it. If you don't pay your policy premium on time, the insurance company can cancel your insurance. It will always be best if you make your insurance premium payments directly from your bank account. This is very helpful, if you usually forget to pay your dues on time.
<br /></p><p style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(255, 102, 0);" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify; font-weight: bold; font-style: italic; color: rgb(255, 102, 0);"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; font-style: italic; color: rgb(255, 102, 0);">by Graham McKenzie</span><o:p></o:p></p> <p class="MsoNormal"><o:p> </o:p></p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com0tag:blogger.com,1999:blog-6073359045646745966.post-40060593652652371122009-06-18T16:53:00.000-07:002009-06-18T16:55:57.114-07:00Auto insurance quotes<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 10"><meta name="Originator" content="Microsoft Word 10"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5CWARAKIT%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:595.3pt 841.9pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:ตารางปกติ; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman";} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Today if you are owner of any form of auto be it car or truck,</span> you tend to worry about the maintenance and most importantly the accidental expenditure. Greater investments from the party results in more worry, especially So let the insurance businesses play a pivotal role in looking after your vehicle through <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">auto insurance</span></a>.Vehicle insurace covers cars, trucks and other types of automobiles against accidental expenditure.
<br />
<br />Though there are various ways for determining a specific kind of car insuracneand the most traditional way is to contact the insurance agents who in turn offers you the all the <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">insurance coverage</span></a> available from the corportation for who they work at that point of time. Alternatively, the maximum the agent can provide you the quotes of four or five corportations
<br />
<br /><span style="font-weight: bold; color: rgb(0, 153, 0);">On the other hanf, the question ascends here</span> is what if all those limited submissions given to you do not succeed in giving you the best deal? The answer is as clear as glass. On website, the group can find out which <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">vehicle insurance</span></a> corporation provides the best customer support and right budget plan.In now a days with increase in the internet, traffic on these sites offering free auto insurance quotes without any obligations have simplified the process to help the users use the sites efficiently without any hassles and that too in a systematic manner. Getting an auto insurance quote has become so simple that even a party with minimum computer knowledge can avail the facility.
<br />
<br />With saying that, these website give valuable information in finding the best rates with a click of a button.The auto insurance quotes available on the sites can be either directly chosen from variedplans or the party is able toalso customize the policy to suit the requirement exactly .But this customization can be completed a more advanced way with providing all the information necessary.</p><p style="text-align: justify;" class="MsoNormal">
<br />Well getting the <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">car insurance</span></a> quote before you actually select the kind of policy and premium amount helps in planning for other easy components like what should be the amount of compulsory excess or what the party must purchase as voluntary excess to have the highest coverage.</p><p style="text-align: justify;" class="MsoNormal">
<br />Remember next time you plan for a car insurance don't forget the get the quote first.<o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><o:p> </o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; font-style: italic; color: rgb(0, 153, 0);">by Zachary Litton</span><o:p></o:p></p> <p class="MsoNormal"><o:p> </o:p></p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com0tag:blogger.com,1999:blog-6073359045646745966.post-46438631180585268862009-06-17T17:08:00.000-07:002009-06-17T17:10:28.602-07:00Cheap Auto Insurance for People with Low Income<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 10"><meta name="Originator" content="Microsoft Word 10"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5CWARAKIT%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:595.3pt 841.9pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:ตารางปกติ; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman";} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">People with lower salaries</span> do not need to worry automobile coverage because of its high cost. This is because, now even people with low income, with little efforts, can search and find cheap auto insurance within their budgets.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">However, let us first consider one of the features of policies according to which plans vary from person to person and vehicle to vehicle, which makes it unique to each individual. There is not a single plan that can suit the needs of each and every individual. Also, suitability of any plan is decided on the basis of meeting the coverage needs of the potential buyers. Therefore, a particular plan may be suitable for one person but may be unfit for the other and a plan which may be unsuitable for one person may be especially suitable for the other. The suitability of these plans or in other words risk coverage also affects the cost of the plan. Therefore, a plan which is cheap to one may not be considered so by the other person and vice-versa.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Those who need low income auto insurance can bring down the cost of the coverage within their budget by different methods such as comparing quotes, installing anti-theft devices, enrolling in a driver training school, asking for discounts etc.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Since insurers</span> decide the cost of their plans on the basis of their loss and experience in past, they can't plan similar cost for any given proposal because their loss and experience pattern can't be the same. Therefore, even for the same proposal, one company can offer a rate which may be lower than the other and the third company can offer a rate which might be lowest of all. Therefore, for the same proposal, one can receive varied rates, which increases the potential of receiving cheaper rates. Therefore, in order to find a policy that may be affordable, it is suggested that the potential buyer get multiple quotations and compare them in order to find the cheapest rate.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Remember, <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">insurers</span></a> are there in the business to make a profit. Therefore, they always prefer business which has lower risks and discourage business with enhanced risk. If someone who installed anti-theft devices, it means there is reduced chance of theft of the vehicle and if such person wants to get coverage, this would lower the insurer's risk. Therefore, insurers pass on a certain discount to such people who installed anti-theft devices.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Be sure to ask for discounts. Having a good driving record or being a good student can save up to 20% on premiums. Also, vehicles with safety features such as airbags and automatic seatbelts also provide a discount.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Therefore, now people need not to go uninsured because of their salary. This is due to the fact that there are methods, as mentioned above, through which cost of coverage can be made affordable for such people.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; font-style: italic; color: rgb(0, 153, 0);">by Insurance Agent</span><o:p></o:p></p> <p class="MsoNormal"><o:p> </o:p></p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com0tag:blogger.com,1999:blog-6073359045646745966.post-5950544774887640662009-06-13T03:45:00.000-07:002009-06-13T03:46:47.922-07:00Whats the Difference Between an Insurance Broker & an Insurance Agent?<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 10"><meta name="Originator" content="Microsoft Word 10"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5CWARAKIT%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:612.0pt 792.0pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:36.0pt; mso-footer-margin:36.0pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:ตารางปกติ; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman";} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Insurance for most people</span> is something that most households don't spend enough time on. Most people will spend more time comparing prices at the grocery store than they will when <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">shopping for insurance</span></a>. Most do this because they simply don't understand or want to understand there coverage.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Here's one easy part of insurance that can save you literraly thousands a year in insurance. The difference between a <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">broker and an agent</span></a> can be huge for most households.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">So what is the difference between an agent and broker?</span> The definition is quite simple, an agent works for one carrier such as State Farm, American family & others like this. They are bound by contract to offer you only this carriers products. When begininning a relationship with them or renewing a plan they will only provide quotes for this carrier, they will tell you all the great benefits but thats as far as it goes.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(0, 153, 0);">An Insurance Broker</span></a> is a licensed agent for multiple carriers, these carriers do not require exclusive contract so they are able to provide there clients a number of options. These agents have much less bias towards particular carriers and are more willing to tell you the good and the bad of various carriers and different options.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">In these times it makes much more sense to start with finding a reputable <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">Insurance Broker</span></a>, they will be able to provide you fast comparisons of various carriers and explain the differences of these plans and carriers so that you can understand them.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; font-style: italic; color: rgb(255, 102, 0);">by Ryan Terry</span><o:p></o:p></p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com1tag:blogger.com,1999:blog-6073359045646745966.post-59457991920496397492009-06-08T01:18:00.000-07:002009-06-08T01:19:40.918-07:00Discount Brokers Give Boom to Life Insurance<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 10"><meta name="Originator" content="Microsoft Word 10"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5CWARAKIT%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:595.3pt 841.9pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:ตารางปกติ; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">The credit crunch is likely to affect everyone,</span> which is why people are looking for cheaper ways to obtain <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">life insurance</span></a>. There has been a surge of business for discount brokers, who don't use commission from other companies to sell their insurance. This means that price cuts can be passed onto the customer, potentially saving those hundreds, or even thousands on their whole policy.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Discount brokers</span> will research the market to get you the cheapest deal on your life insurance. The difference is discount brokers will earn a commission from the company they choose for you, and will give it back to the customer by making their monthly premiums cheaper. Instead of making profit by their commission from insurance companies, the <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">discount broker</span></a> will make a profit by charging a one-off fee for this service, which is usually around £35.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">People have been using discount brokers as a way to save money on their premiums, especially in the unstable economic climate. Many discount brokers have seen their business increase by up to 20% in the last year, with many companies expecting an even bigger increase in the coming year.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">There are other ways to get a cheaper life insurance policy. </span>By simply taking on a healthier lifestyle, you could notice your monthly payments decrease by as much as 50%. Quitting smoking is one of the best methods of saving, as the health risks associated with smoking are quite high. Another method is by losing a few pounds from your waistline. With the country's growing obesity epidemic, there are more and more health risks associated with being overweight. By obtaining a healthy BMI, you are likely to cut the cost of your premium.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; font-style: italic; color: rgb(255, 102, 0);">by R Miller</span><o:p></o:p></p> <p class="MsoNormal"><o:p> </o:p></p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com0tag:blogger.com,1999:blog-6073359045646745966.post-17940121613053992242009-06-06T09:46:00.000-07:002009-06-06T09:48:24.560-07:00Low Cost Health Insurance Leads<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 10"><meta name="Originator" content="Microsoft Word 10"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5CWARAKIT%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:595.3pt 841.9pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:ตารางปกติ; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman";} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(0, 153, 0);">Health insurance</span></a> is something that becomes a necessity and a benefit at one point or another in life. All though this maybe true some people find it difficult to financially put themselves in a position in which they can afford it. This is a fact for those whose employers do not provide them with a health insurance plan and those who already have certain health conditions that need direct attention.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Unfortunately many people seem to put themselves in a position in which they get health insurance for themselves or their family when it is too late. Some people worry about speaking to a <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">health insurance agent</span></a> because they believe it's going to be too expensive and that they are not going to send them to the lowest price company. This does not have to happen because there are several different routes that one can take for all of the various medical situations.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">When you are trying to find health insurance quotes that will be affordable for you and your family, you do not have to go to your local agent. You can also go about it the quick and easy what by going to various websites and looking on there. Many allow you to even be able to speak with a representative about life insurance or other policies like <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">travel health insurance</span></a> or long term care insurance that their company may offer.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">The process of purchasing <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">family health insurance</span></a> does not have to be difficult either. By going on to the internet you are helping yourself to get an online insurance quote the fastest way possible and to also learn about the options that are available to you. To get a good quote, it is as easy as typing your personal information into your computer and taking some time to answer a few questions. The health of you and your family is important so it is a good idea to make sure you get an affordable health insurance plan.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Health insurance agents</span> know that they can find low cost health insurance leads on the internet because it is relatively cheaper to collect information on the internet than via mail or other methods. So you can be sure that you will get real good low quotes. At least this time around you do not have to do the calling, they will usually contact you.</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><div style="text-align: justify;"><meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 10"><meta name="Originator" content="Microsoft Word 10"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5CWARAKIT%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:612.0pt 792.0pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:36.0pt; mso-footer-margin:36.0pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:ตารางปกติ; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman";} </style> <![endif]--><span style="font-size: 12pt; font-family: "Times New Roman"; font-weight: bold; font-style: italic; color: rgb(0, 153, 0);">by M.C.</span></div><p class="MsoNormal"><o:p> </o:p></p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com0tag:blogger.com,1999:blog-6073359045646745966.post-9887312384255947112009-06-03T17:59:00.000-07:002009-06-03T18:01:09.433-07:00Saving Money on Health Insurance with HSA Plans<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 10"><meta name="Originator" content="Microsoft Word 10"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5CWARAKIT%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:595.3pt 841.9pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:ตารางปกติ; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman";} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">During these hard economic times,</span> many are asking how to save money on <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">health insurance</span></a> and still receive quality health care benefits. One common answer is to get insured while you are healthy and stay insured with a quality medical coverage plan that has a preferred premium rate and saves money in monthly costs over the years.<o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">Health Savings Account Plans</span></a> (HSA) are another option for many who are looking at affordable health insurance coverage now. The main benefit of HSA plans is the savings from having a higher deductible and no co-pays for doctors and drugs. These health plans are less expensive per month and the out-of-pocket expenses can be lower than the actual co-pay type plans if you require hospitalization or medical treatment.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">All HSA plans</span> require that one deductible is met before medical care coverage applies and that also covers family members. This saves money compared to other health plans that require each family member to pay deductibles before the coverage kicks in.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">In addition, the <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">HSA plan</span></a> includes the voluntary option of creating a savings account at the bank of your choice. These savings accounts are like IRAs that can be used for retirement savings; the difference is that all funds taken out for medical expenses are tax free.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">The yearly HSA deductible amounts are set by the government. The 2009 minimum amount is $1,150 for individuals; the maximum deductible for families is $ 2,300. The maximum out of pocket expenses includes both the deductible and the coinsurance amounts so major medical care is covered after the maximum out of pocket expenses are met.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">The maximum yearly out of pocket expenses for individuals is $5,800 and $11,600 for family plans. This can save money each month in lower premiums and can cover major surgery or medical treatment in the family without causing financial hardship.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Make sure to set up a HSA plan</span> with a reputable health insurance carrier that has a history of paying claims. Also check that the insurance coverage is accepted by the majority of doctors and health care providers in your state. Check the health plan options and benefits carefully before deciding on a policy. Many reputable h<a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">ealth insurance agents</span></a> can guide you through this process to save time and money in choosing your HSA plan.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; font-style: italic; color: rgb(255, 102, 0);">by Elliot Bigman</span><o:p></o:p></p> <p class="MsoNormal"><o:p> </o:p></p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com0tag:blogger.com,1999:blog-6073359045646745966.post-2785340832071246722009-06-03T17:57:00.000-07:002009-06-03T17:59:29.506-07:00Factors To Consider When Deciding Between HMO And PPO Health Care Plans<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 10"><meta name="Originator" content="Microsoft Word 10"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5CWARAKIT%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:595.3pt 841.9pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:ตารางปกติ; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman";} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Faced with ever-increasing medical costs,</span> selecting the best health plan for you and your family requires informed decision-making on your part. There are two basic forms of employer sponsored health care plans: <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">HMO & PPO</span></a>. Both of them have distinct advantages and disadvantages that you must be aware of in order to be able to make the best decision possible.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Families without a health plan </span>receive far less preventative health care and very often, they are not diagnosed with a disease until it reaches later, less treatable stages. Compounding the problem, individuals without a health insurance plan, even after diagnosis, receive less treatment. Studies have shown that approximately 18,000 people die each year from inadequate medical care. Studies also show that individuals without a health care plan are hospitalized 30-50% more often for avoidable conditions. With an average emergency room visit costing $3,300, the investment in a<a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);"> health insurance</span></a> is clearly worthwhile.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Managed Health Care Benefits </span>
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Managed health care plans reduce medical costs to enrollees, allowing them to receive medical care that they might not otherwise be able to afford without a medical plan. Health insurance companies develop contracts with health care providers, promising to provide specific doctors and hospitals with more business through their health insurance. In return, doctors and hospitals agree to provide those services at a lower cost.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">HMOs and PPOs</span> are both managed health care plans that reduce the cost of medical treatment by combining contributions of enrollees and gaining the benefits of scale. There are other medical plan mechanisms put into place to reduce medical costs by encouraging such incentives as preventative care, enforcing limitations to coverage and increased beneficiary cost sharing. Each health care plan has advantages and disadvantages that must be considered. There are significant price, service, and flexibility differences between these two types of medical plans. Whichever medical plan you select, you will be able to receive more medical care for far less money than if you had no insurance at all.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);" class="MsoNormal">HMOs Are An Inexpensive Option</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">HMOs, or Health Maintenance Organizations, are health plans characterized as cooperatives of doctors, hospitals, and other medical providers. HMOs such as Kaiser Permanente and Aetna are your least expensive and most restrictive health care plan. Under HMO policies, <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">health insurance</span></a> providers have agreed to provide their services at fixed prices and copayments are generally very low. Since health care providers receive less money for their services, they tend to see as many patients as possible.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; font-style: italic; color: rgb(0, 153, 0);">There are many rules covering HMO health plan services,</span> the most important one being the requirement that your physician be a member of the HMO. If you need to see a specialist, you must see your primary physician for a referral. HMOs focus primarily upon preventative health care services such as immunizations and physicals. HMO doctors are paid on a per office visit basis.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);" class="MsoNormal">PPOs Cost More And Provide More</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">PPOs, or Preferred Provider Organizations, are health care plans that have contracts with insurance companies to reduce medical expenses to enrollees. PPOs like Blue Cross Blue Shield are more expensive than HMOs, but you have much more freedom about who you see. Referrals are not needed to see a specialist, but your medical plan will require that you pay more to see a doctor that is not a member of the PPO medical plan.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Enrolling in a PPO provides you with more control over your <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">health care plan</span></a> as well as greater autonomy. Unlike HMOs, emergency room visits are generally covered under PPO health plans. PPO doctors are paid on a retainer basis, thereby providing them with no incentive to unnecessarily prolong treatment.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">One aspect of a managed health care plan</span> is that treatments are reviewed by the insurer. In some cases, this can eliminate unnecessary procedures and overcharging, thereby saving both the insurer and enrollees' time and money. Whichever coverage you select, you will provide your family with access to the benefits of regular, preventative care and early diagnosis of more serious conditions, increasing the likelihood of recovery. Eat right, stay fit, and enroll in a health care plan!</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p> <p class="MsoNormal"><span style="font-weight: bold; font-style: italic; color: rgb(0, 153, 0);">by Christine O'Kelly</span><o:p></o:p></p> <p class="MsoNormal"><o:p> </o:p></p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com0tag:blogger.com,1999:blog-6073359045646745966.post-19133258942707753732009-06-03T17:55:00.000-07:002009-06-03T17:57:11.166-07:00Buy Life Insurance When You Are Young<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 10"><meta name="Originator" content="Microsoft Word 10"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5CWARAKIT%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:595.3pt 841.9pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:ตารางปกติ; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman";} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">One of the best ways to provide your family and loved ones with protection</span> is to purchase a <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">life insurance</span></a> policy. A married person has much responsibilities, he has to pay for house loan or rental, household maintenance, mobile installments and maintenance, petrol expenses, electricity bills, water bills, children's education fees, food, clothing, music lesson fees and a lot more if really want to mention. Many of the families can't afford the above mentioned items, and both the parents need to work to maintain the livelihood.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">A newly married couple has just overcome the wedding expenses, may be their saving has spent much of it, and they have to save more money to start their new life. As time passed, they have children to take care, and during this time hoping that nothing unfortunate happens, if not, they will run into financial crisis.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">When a person has finished study,</span> he is single, young and start working, he has less responsibility, he should consider buying a life insurance policy at this time, it is advisable not to wait until he got married and buy a policy, because he may not be able to manage financially at that time.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Unless someone comes from a wealthy family, otherwise he has to save at an early stage of his life. Firstly, he needs to save for two or three years to buy a car, and pays for the installments for another three to five years. After this, he needs to save for another few years to buy a house.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Imagine,</span> just these two items he needs to pay for many years, and many other expenses are waiting to come. Therefore if you don't buy a <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">life insurance</span></a> when you are young, you are likely to delay for many years, and make sure you are in good health, because if your health deteriorates, as a bread winner of the family, who will take care of your spouse and children?</p><p style="text-align: justify;" class="MsoNormal">
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p> <p class="MsoNormal"><span style="font-weight: bold; font-style: italic; color: rgb(0, 153, 0);">by Vincent Yeong</span><o:p></o:p></p> <p class="MsoNormal"><o:p> </o:p></p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com1tag:blogger.com,1999:blog-6073359045646745966.post-46556668672167533132009-06-02T06:23:00.000-07:002009-06-02T06:25:15.916-07:00Factors To Consider When Deciding Between HMO And PPO Health Care Plans<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 10"><meta name="Originator" content="Microsoft Word 10"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5CWARAKIT%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:595.3pt 841.9pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:ตารางปกติ; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Faced with ever-increasing medical costs,</span> selecting the best health plan for you and your family requires informed decision-making on your part. There are two basic forms of employer sponsored health care plans: <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">HMO & PPO</span></a>. Both of them have distinct advantages and disadvantages that you must be aware of in order to be able to make the best decision possible.</p><p style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Families</span> without a health plan receive far less preventative health care and very often, they are not diagnosed with a disease until it reaches later, less treatable stages. Compounding the problem, individuals without a health insurance plan, even after diagnosis, receive less treatment. Studies have shown that approximately 18,000 people die each year from inadequate medical care. Studies also show that individuals without a health care plan are hospitalized 30-50% more often for avoidable conditions. With an average emergency room visit costing $3,300, the investment in a health insurance is clearly worthwhile.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Managed Health Care Benefits </span>
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">Managed health care plans</span></a> reduce medical costs to enrollees, allowing them to receive medical care that they might not otherwise be able to afford without a medical plan. Health insurance companies develop contracts with health care providers, promising to provide specific doctors and hospitals with more business through their health insurance. In return, doctors and hospitals agree to provide those services at a lower cost.</p><p style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">HMOs and PPOs</span> are both managed health care plans that reduce the cost of medical treatment by combining contributions of enrollees and gaining the benefits of scale. There are other medical plan mechanisms put into place to reduce medical costs by encouraging such incentives as preventative care, enforcing limitations to coverage and increased beneficiary cost sharing. Each health care plan has advantages and disadvantages that must be considered. There are significant price, service, and flexibility differences between these two types of medical plans. Whichever medical plan you select, you will be able to receive more medical care for far less money than if you had no insurance at all.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);" class="MsoNormal">HMOs Are An Inexpensive Option</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">HMOs, or Health Maintenance Organizations, are health plans characterized as cooperatives of doctors, hospitals, and other medical providers. HMOs such as Kaiser Permanente and Aetna are your least expensive and most restrictive health care plan. Under HMO policies, <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">health insurance</span></a> providers have agreed to provide their services at fixed prices and copayments are generally very low. Since health care providers receive less money for their services, they tend to see as many patients as possible.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">There are many rules covering HMO health plan services, the most important one being the requirement that your physician be a member of the HMO. If you need to see a specialist, you must see your primary physician for a referral. HMOs focus primarily upon preventative health care services such as immunizations and physicals. HMO doctors are paid on a per office visit basis.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);" class="MsoNormal">PPOs Cost More And Provide More</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">PPOs, or Preferred Provider Organizations, are health care plans that have contracts with insurance companies to reduce medical expenses to enrollees. PPOs like Blue Cross Blue Shield are more expensive than HMOs, but you have much more freedom about who you see. Referrals are not needed to see a specialist, but your medical plan will require that you pay more to see a doctor that is not a member of the PPO medical plan.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Enrolling in a PPO provides you with more control over your health care plan as well as greater autonomy. Unlike HMOs, emergency room visits are generally covered under PPO health plans. PPO doctors are paid on a retainer basis, thereby providing them with no incentive to unnecessarily prolong treatment.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; font-style: italic; color: rgb(0, 153, 0);">One aspect of a managed health care plan</span> is that treatments are reviewed by the insurer. In some cases, this can eliminate unnecessary procedures and overcharging, thereby saving both the insurer and enrollees' time and money. Whichever coverage you select, you will provide your family with access to the benefits of regular, preventative care and early diagnosis of more serious conditions, increasing the likelihood of recovery. Eat right, stay fit, and enroll in a health care plan!</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; font-style: italic; color: rgb(255, 102, 0);">by Christine O'Kelly</span><o:p></o:p></p> <p class="MsoNormal"><o:p> </o:p></p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com0tag:blogger.com,1999:blog-6073359045646745966.post-35459405597665014162009-06-02T06:21:00.000-07:002009-06-02T06:23:13.082-07:00Saving Money on Health Insurance with HSA Plans<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 10"><meta name="Originator" content="Microsoft Word 10"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5CWARAKIT%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:595.3pt 841.9pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:ตารางปกติ; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">During these hard economic times,</span> many are asking how to save money on <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">health insurance</span></a> and still receive quality health care benefits. One common answer is to get insured while you are healthy and stay insured with a quality medical coverage plan that has a preferred premium rate and saves money in monthly costs over the years.<o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">Health Savings Account Plans</span></a> (HSA) are another option for many who are looking at affordable health insurance coverage now. The main benefit of HSA plans is the savings from having a higher deductible and no co-pays for doctors and drugs. These health plans are less expensive per month and the out-of-pocket expenses can be lower than the actual co-pay type plans if you require hospitalization or medical treatment.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">All HSA plans</span> require that one deductible is met before medical care coverage applies and that also covers family members. This saves money compared to other health plans that require each family member to pay deductibles before the coverage kicks in.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">In addition, </span>the HSA plan includes the voluntary option of creating a savings account at the bank of your choice. These savings accounts are like IRAs that can be used for retirement savings; the difference is that all funds taken out for medical expenses are tax free.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">The yearly HSA deductible amounts are set by the government. The 2009 minimum amount is $1,150 for individuals; the maximum deductible for families is $ 2,300. The maximum out of pocket expenses includes both the deductible and the coinsurance amounts so major medical care is covered after the maximum out of pocket expenses are met.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">The maximum yearly out of pocket expenses for individuals is $5,800 and $11,600 for family plans. This can save money each month in lower premiums and can cover major surgery or medical treatment in the family without causing financial hardship.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Make sure to set up a HSA plan </span>with a reputable health insurance carrier that has a history of paying claims. Also check that the <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">insurance coverage</span></a> is accepted by the majority of doctors and health care providers in your state. Check the health plan options and benefits carefully before deciding on a policy. Many reputable health insurance agents can guide you through this process to save time and money in choosing your HSA plan.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; font-style: italic; color: rgb(0, 153, 0);">by Elliot Bigman</span><o:p></o:p></p> <p class="MsoNormal"><o:p> </o:p></p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com0tag:blogger.com,1999:blog-6073359045646745966.post-4171020966981024382009-06-01T06:33:00.000-07:002009-06-01T06:35:53.230-07:00Do You Need Full Dental Insurance Coverage?<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 10"><meta name="Originator" content="Microsoft Word 10"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5CWARAKIT%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} @page Section1 {size:595.3pt 841.9pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:ตารางปกติ; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Can you afford to pay for full coverage dental insurance?</span> or rather can you go without the full coverage? If you have a family or in any case you need a lot of dental work to be done in the future then you should answer yes to the second question.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);" class="MsoNormal">What full coverage dental insurance is all about?</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">As understood full coverage means that your <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">dental insurance</span></a> should pay for all of the procedures done by the dentist.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">The coverage should start with your regular dentist visit for mouth and gum examination.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Your dentist visit twice a year for the teeth to be cleaned, scaled, flossed and polished. All of this procedures should be 100% covered.</p><p style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Full dental insurance </span>should cover all of your teeth extraction expenses too. It doesn't matter if the extractions are being performed so you can get braces or other orthodontic procedures or because the tooth was decayed or abscessed. This also includes the extraction for baby tooth or a wisdom tooth.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Other procedures such as fillings, crowns, bridges, root canals, fluoride treatments, braces, gum surgery, dental implants, and many other procedures are all covered by full coverage dental insurance.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Full coverage <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">dental insurance</span></a> could be quite expensive, and not everyone can afford this kind of coverage even if they need one.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);" class="MsoNormal">Is there alternatives to full coverage dental insurance?</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">The only viable alternative is the discount dental network plan.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">With a discount dental network, dentists agree to provide services at reduced costs to network members. If you have pre-existing condition, don't worry you are covered. Claims processing is easy with no complicated forms. There is no waiting period, and no one will be turned down for coverage.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">Dentists who provide care through a discount dental network provide the same quality treatment to their network customers as they provide to their regular customers who have full <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">insurance coverage</span></a>.<o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">
<br /></p><p style="text-align: justify;" class="MsoNormal">The discount dental network refers a high volume of patients to the dentist, making it possible for the dentist to offer care to network members at reduced rates. Both the patient and the dentist receive a schedule of benefits from the discount dental network, so there are no unpleasant surprises on either side.</p><p style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify; font-weight: bold; color: rgb(0, 153, 0);"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Discount dental plan</span> is a great alternatives for people who do not get full coverage from their employers or for self employed individuals.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; font-style: italic; color: rgb(255, 102, 0);">by Zul Rahman</span><o:p></o:p></p> <p class="MsoNormal"><o:p> </o:p></p> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com1tag:blogger.com,1999:blog-6073359045646745966.post-17427329174591622712009-05-31T10:10:00.001-07:002009-05-31T10:11:42.461-07:00Shopping For Health Insurance Can Be Made Easy By Using Internet<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 10"><meta name="Originator" content="Microsoft Word 10"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5CWARAKIT%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:applybreakingrules/> <w:wraptextwithpunct/> <w:useasianbreakrules/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Angsana New"; panose-1:2 2 6 3 5 4 5 2 3 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:16777219 0 0 0 65537 0;} @font-face {font-family:Tahoma; panose-1:2 11 6 4 3 5 4 4 2 4; mso-font-charset:0; mso-generic-font-family:swiss; mso-font-pitch:variable; mso-font-signature:1627421319 -2147483648 8 0 66047 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; mso-bidi-font-size:14.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-bidi-font-family:"Angsana New";} h1 {mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; mso-pagination:widow-orphan; mso-outline-level:1; font-size:24.0pt; font-family:Tahoma;} @page Section1 {size:612.0pt 792.0pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:36.0pt; mso-footer-margin:36.0pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:ตารางปกติ; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman";} </style> <![endif]--> <p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">Individual plan of insurance of health is for sure becoming more and more famous. </span>The main reason behind this is that in the present date there are present a very large number of people need addition coverage. If a person is having an employer who will for sure provide policy of <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">health insurance</span></a>, it might be limited because of existing conditions or of a plan of group. Getting a policy of individual health insurance allows a person to simply custom fit the health insurance policy to his/her needs and also lifestyle.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal">If a person do not even have a plan of insurance of health then the cost of each and every medical procedure can for sure dissolve all the amount of <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">savings </span></a>that he/she might have accrued. Since the employers are never requires to provide the people with plan of health insurance, a very large number of people when interviewing bargain for holidays or even for extra vacations with the employers must ask instead for the plan of health insurance.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; color: rgb(0, 153, 0);">With the passage of time,</span> the price of the health insurance plans has for sure risen and also the rates of medical procedures have risen. There are a very large number of people who would surely complain that it prices very much to obtain health insurance, but obviously they have not even got their bill. One can easily search for the best individual health insurance plan by just shopping for the <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">health insurance quotes</span></a> that are available at very cheap rates on a very large number of various different websites on the net. Each and every state has various different health insurance plans and if a person purchases from a national company then he/she is covered if he/she has to seek treatment even out of the state.
<br /></p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; font-style: italic; color: rgb(0, 153, 0);">Shopping for the health insurance plans</span> can be really very much difficult as all the health insurance companies, providers and also agencies seem to say the general things. We all very well know that shopping for plan of health insurance is truly a very much personal matter, so one can shop on the net and look how many health insurance companies, providers and also agencies are there. All the experts and also all the professionals recommend that one must search for <a href="http://insuranceforyour.blogspot.com"><span style="font-weight: bold; color: rgb(255, 102, 0);">the best health insurance</span></a> provider, agency or company in his/her state only. The health insurance provider, agency or company must also have a very good reputation.</p><p style="text-align: justify;" class="MsoNormal">
<br /><o:p></o:p></p><div style="text-align: justify;"> </div><p style="text-align: justify;" class="MsoNormal"><span style="font-weight: bold; font-style: italic; color: rgb(0, 153, 0);">by Franchis Adam</span><o:p></o:p></p> <h1><o:p> </o:p></h1> parlakawonghttp://www.blogger.com/profile/17135702085747925975noreply@blogger.com1