Advantages Of Tourist Health Insurance

By Ray Sondeo

One of the main problems with tourists insurance is the process submitting a claim and having the money one has spent on medical expenses returned by the insurance company. Insurance companies are eager when they want to sell you the tourist insurance. But when it comes to tourist insurance claims, the process can be long-winded.

When you are getting admitted in to a hospital or a health care center, you usually have to pay large upfront fees. Then when you are discharged, you have to pay the remaining bill. This can be a nagging problem that does not let you lie in peace.

The good news is that these troubles can be avoided by choosing the right Keyword policy. Some of the major tourist?s insurance policies on the market have a feature that will take care of these fees on your behalf. This feature is called a cashless claims settlement feature or direct claims settlement feature.

The insurance companies usually provide this facility for those who get admitted in to hospitals and health care centers that are within the company?s own network. Once you plan to get hospitalized, you call the company hotline and provide a proof of need for treatment. Then the company authorizes you for an in-network healthcare facility or a hospital.

Many tourist insurance companies already provide this kind of settlement with tourist insurance claims. By purchasing a tourist insurance that has this benefit, you will have some peace of mind while getting treated. That is because you will be free from settling your claims after the bills have been paid by you.

These tourist insurance companies also provide this feature for emergency hospitalization. In this case, a friend or a family member of the patient contacts the company and gets the required authorization. This kind of authorization is also available for non-network facilities in some cases.

With cashless or direct tourist insurance claims settlement, there is not much that will worry you when you have to get treated during your trip abroad. All your transactions are being taken care of by the company and you can just lie back and heal yourself.

Once you have the cashless insurance for tourists claims settlement facility on your insurance, getting treated while abroad will become a cinch. You will be able to avoid a potential financial crisis by not having to pay large upfront fees when you are getting admitted to a hospital during your travels. - 23211

About the Author:

Ray Sondeo often writes about health and travel insurance.

Life Without Health Insurance

By Ethan Kalvin

There are more and more people here in this country who struggle through their days with a specific burden to bear. They are those who have no health insurance to cover them in the event of a medical problem.

They don't prefer to have it this way, they would much rather have family insurance coverage if they could afford it. But this is not the case and it is a burden for them as they never know if someone is going to have an accident or illness, and then how do they pay for that care.

When our citizens don't have health insurance, they delay treatment on anything unless it's critical. Doctor's are not usually an option for the uninsured, the emergency department is where they go to get medical attention.

The reason this happens is physicians can't afford to offer treatment if there's not insurance coverage or there is no upfront payment. Therein is the problem, if a person can't afford health insurance premiums they usually can't pay for a doctor visit either.

The emergency department becomes the place for care for alot of people with no insurance. There are some, though, who are very ill by the time they come due to lack of ongoing care by a physician. This is sad as they could have maintained their health if that had been the case. - 23211

About the Author:

Are you in North Carolina and searching for medical insurance? Click on gohealthinsurance.com today and let their professionals to help you in finding the right plan for you. Gohealthinsurance.com is your provider for insurance.

Insuring Against Irrational Pet Insurance Decisions

By Karsten Broderlynn

If perception is reality then it occurs to me that the difference between a bad decision and a good one isn't so much the choice that's made but the resulting outcome of having made the choice. Think about it for a second. If you jump out of the way of a speeding car, you've made a smart choice even in the eyes of an outside observer. If, however, you land in front of a car speeding in the opposite direction, you've made a bad choice.

In either case you made the same decision in jumping out of the way of a speeding car. Its the outcome of that decision that dictates the apparent intelligence of the decision you made. Does that mean we're all subject to fate in determining the virtue of our decisions? Not necessarily. Perhaps we should have looked before we leapt. To confuse things further, there's another way of looking at things.

My father once told me that the value of a choice wasn't simply apparent in the decision itself or in its outcome. Rather, one had to consider the thought that went into the choice in the first place. My evident confusion prompted him to expand on that.

He paused and then asked me what I would do if he offered me an investment opportunity that could convert $5,000.00 of my dollars into $50,000.00 in ten years. Would I take it? To get me to think further he proposed that I'd have about a 50% chance of making that $50k and better odds of making only $30K or $40K. Regardless, I could rest assured that I'd almost certainly get my full investment back if things didn't work out but I'd still have to wait 10 years. I considered the question and replied that I might take the opportunity if I had disposable cash handy and nothing pressing on which I felt it should be spent.

He then asked what I would do if he offered me obscenely slim odds to make $5 million dollars and all I'd have to invest is $5 for the purchase of a lottery ticket. I answered without hesitation that I'd hand over the $5 with hardly a thought.

He then deflated my confidence a bit by explaining I'd just made the same bad decision thousands of lottery ticket purchasers make every day. The mistake I was making being the failure to consider the odds in assessing the value of the investment simply because I was so impressed by the potential return relative to the amount I'd have to pay to get in on the deal.

In considering the purchase of health insurance for your pet, you face a similar decision but the lines aren't quite as clear. That, of course, means that making the smart choice can be far more confusing. It requires research and sensible thinking.

The problem is that many of us approach the decision to buy pet health insurance with the same irrational thinking we might apply to purchasing a lottery ticket. We ask ourselves how we'll feel if our pet lives to a ripe old age, never needing an expensive procedure. How will we feel having thrown away all that money over the years for nothing?

Alternatively, we apply emotions to the choice. If we don't get health coverage for our pet, does that mean we don't love it? Are we wrong for assigning a dollar value to the health of our animal?

Neither of these approaches is the right one. In the former, we're wasting effort simply because trying to predict the future is a wasted effort. You cannot predict the future health needs of your pet. It might never require an expensive medical procedure. Then again, perhaps it will need one. Even the healthiest of breeds can have accidents, eat something they shouldn't or be hit by a car. The point is you can't know.

In relying on emotion in the decision making process, the second approach is no better. A financial decision should never be grounded purely in emotion. Your financial circumstances might simply dictate that you can't afford the monthly fee for health insurance. That doesn't mean you love your pet any less, it's just a fact of economics.

Your decision to purchase veterinary insurance should be grounded in sound, rational thought. Take the facts into account and go from there. Consider what you'd face in a health emergency if you didn't have pet insurance. Would your savings carry you through? If you are well off financially and are good at leaving your savings untouched except in emergencies, pet insurance may be completely unnecessary.

Consider your pet's age and potential breed-specific health concerns. If you have a puppy, don't live in a dangerous area with heavy traffic, plan to keep a close eye on your pet when it's outside and have a generally healthy breed, postponing the decision to get health insurance until it is older may be the rational approach. Just don't discount the potential for emergencies in your choice.

Does it make more financial sense to you to pay a monthly fee just in case? For many, the monthly expense of insuring a pet is preferable to the possibility of an unexpected hit to their savings. Job stability, the balance of your savings account and your own tolerance for risk should be the factors that influence your decision.

After reviewing all the facts absent attempts at prognostication and absent pointlessly kicking yourself emotionally, you'll be able to make a smart decision. That means the right choice at the time regardless the unanticipated outcome down the road. A rationally grounded decision will leave you content with the knowledge that you did what was right at the time. Save the random, emotionally-based attempts at predicting the future for your trip to Vegas. - 23211

About the Author:

With over two decades of veterinary and pet care experience, Karsten hopes to help you make sound decisions about veterinary pet insurance. He is a consultant and frequent guest writer for several sites covering general pet health issues, exotic pet insurance and other pet topics.

What Features Should You Look For When Buying a Phone

By William Normski

I'm sure you have a clear understanding that there are many different types of cell phones on the market. Many of these phones are no moving into what we call the smart phone bracket. With a smart phone you can do so much more than a standard phone simply makes calls and maybe since text messages.

One of the standard features you find on a phone is a camera, a couple of years ago top of the range would have been a 1.2 megapixel nowadays we are getting the camera phones to 8 megapixel and 10 megapixel. But, do you really need this? a standard two megapixel camera can take a picture with quality that can be developed to 8 x10 and do not even know it was taken with a camera phone.

One of the first things that you need to be aware of is when you start to look for a new contract plan that no matter how good the offer seems you need to make sure that this is of benefit to you. There is no point having a plan that gives you XYZ but you are really only looking for X.

We are all looking for connectivity, which seems to be a little buzzword at the moment. Standard connectivity you will find is Bluetooth (for connecting to a car kit or headsets). WiFi, which is great if you are using in an office or at home; this allows you to have access to the Internet without having to incur the charges.

We are now seeing the increase in touchscreen phones into the marketplace and we're also seeing the prices of these drop compared to maybe two years ago when they were a lot more expensive. Having a phone in touchscreen obviously makes navigation much easier and this should be something you should consider if you are thinking of purchasing a new phone.

One option is to look for a SIM free phone. With this you can use it to on any network carrier by simply placing your current SIM card into the phone. One of the biggest problems with sim free phones is that they can be quite expensive, as they are not subsidized like what you get when you sign for a contract plan.

Another option is to check the availability on eBay, you'll find that some people sell secondhand phones on the website. You will also be able to get a clear understanding of the price because most popular phones will be on sale and you can compare pricing on what is available. You need to make sure that the particular phone you're looking at is not locked to a different network carrier than the one you are using. The last thing you need to do is to have two unlock the phone that you have just purchased this can be an extra cost. When buying from eBay make sure that you deal with somebody with good feedback and that you are comfortable that they can answer all your questions before.

Cell phone technology changes quickly and when you sign up for a cell phone plan which may offer you a free phone or one at a subsidized price you are kind of stuck with that until your contract is finished. Most contracts will last for one year or possibly two years and in that time you may feel that you would like to change your handset to a more updated version. You don't necessarily need to sign up for a new plan in order to get a new phone. There are a number of options open to you. - 23211

About the Author:

William Normski has been working with insurance for mobile devices for many years. Check out Comparing Mobile Phone Insurance and for more information look at insurance for mobile phones cover.

Online Stock Trading

By Owen Jones

The invention of the Internet has brought about many changes in the way that we lead our lives and our personal business. We can pay our bills online, do our shopping online, do our banking online, and even date online!

One can even buy and participate in online stock trading. Online stock investors like having the capability of looking at their stock investment accounts whenever they need to, and online stock brokers love having the facility to take stock orders over the Internet, as opposed to using the telephone.

Most stock brokers and brokerage houses now offer online stock trading to their customers. One other great thing about online stock trading is that fees and commissions are usually lower. While online stock trading is great, there are a few drawbacks too.

So, if you are very to trading, having the ability to actually speak with a stock broker can be very beneficial, if you aren't stock market aware, online stock trading may be a rather dangerous thing for you to do, although advice from a stock market trader is expensive. If this is the situation, make sure that you learn as much as you can about trading stocks before you start online stock trading.

You should also remember that not everyone has a computer with Internet access on them, although many mobile phones can get online, so you might not always have the ability to get online to make a trade. You will need to be sure that you can call and speak with a broker if you use an online stock broker. This is true whether you are an advanced stock market trader or a rookie.

It is also important to sign up with an online stock brokerage company that has been around for a while. You won't find one that has been in online business for fifty years of course, but you can find a company that has been in business that long and that now offers online stock trading.

Sure, online stock trading is a fantastic thing - but it is not for everyone, the impetuous can lose money quickly. Think long and hard before you decide to opt for online stock trading, and be sure that you really know what you are letting yourself in for! - 23211

About the Author:

If you need to know more about online stock investing, please go along to our website Online Stock Investing for more information.