Travel Medical Insurance -Atlas Travel International Plan

By Ray Sondeo

What's the worst that could happen to you? For many, falling sick when traveling abroad tops the list. Atlas Travel Health Insurance is a short term plan, especially designed to benefit vacationers, business travelers, and students on study abroad trips.

Atlas international travel insurance plan offers extensive medical insurance coverage, including outpatient treatment, hospitalization, and ambulance services. It also offers a $100 per day hospital indemnity benefit, and covers physical therapy, emergency dental procedures, and medical emergency evacuation. The plan also offers a hazardous sports coverage rider for an additional fee.

One of the major turn-offs for seniors who consider international travel insurance is the rider that excludes pre-existing conditions. The Atlas International travel health insurance plan covers an acute recurrence of pre-existing conditions for those under 70. Also, if the insured undergoes hospitalization, and that results in accompanying covered minors being left unattended, the plan covers their return to the home country.

Natural disasters and, increasing acts of terrorism and political evacuation are realities for travelers, and the plan covers those as well. The Atlas International insurance plan covers the cost of the insured returning home if the international trip is interrupted due to his/her home being damaged due to a natural disaster. If the insured dies, the plan also pays for repatriation of the remains to the home country.

The plan not just covers travel, but also temporary trips home during the plan period, for up to a maximum of 15 days in 3 months. The Atlas insurance plan eases the transition on return by offering medical coverage for 30 days in the home country.

The travel insurance plan also offers non-medical benefits such as lost baggage tracking and help with finding doctors and lawyers in case of need. The plan covers treatment (after the deductible) by U.S. doctors and hospitals that are part of the PPO network.

Applicants to the Atlas international travel insurance plan must be at least 14 days old. Plans can be for a minimum of 5 days and a maximum of 12 months, with options for extension. An Web-based client zone helps plan holders work with and perform tasks associated with the plan. Round-the-clock, round-the-world customer service is available through toll-free phone numbers.

Benefits of the Atlas international travel insurance plan range from $50,000 to 1,000,000. The premium varies with the age of the insured, maximum medical coverage and deductible. The addition of the sports rider will increase the premium. - 23211

About the Author:

Ray Sondeo often writes about travel insurance.

Employers Liability Insurance - Protect Business and Your Employees

By Ben Ashfalk

Employers liability Insurance covers the following: an employee falling ill, or getting injured in the workplace, or the case of an employee's death. Employers liability insurance is a must have insurance. There can be only two exceptional situations where you can save yourself from getting an employers liability insurance. Either you are running a single employee company, you being the only employee, or if you only hire your family members. In any setup other than this, employers liability insurance becomes mandatory.

Employers liability insurance is not only mandatory in the United States, but also in other countries such as France, Great Britain, and Canada.

So how can this insurance benefit you, the business owner? In case your employee(s) decides to file a lawsuit against you for an accident they suffered, the medical and legal and other costs will be covered by your insurance provider.

When covered by an employers liability insurance, part or whole of the costs of a claim may be covered for you. This depends upon the factor as to who was responsible for the accident in the first place. If it was your employee himself, you don't have to worry about the costs any further.

Note again that employers liability insurance is a legal obligation. If you did not get it, you can be punished under the law and may have to pay a fine for each day that your employee(s) were not covered. In fact, a health and safety agency may even shut down your business.

The insurance certificate that you get must be available for your employees to read. You can put up a copy of the certificate on your company's information board and perhaps put another copy on the company website, whatever way suits you better.

Employers liability insurance (EL Insurance) covers only your employees. It doesn't cover people outside your organization. So if you want to cover the costs of general public injuries (or accidents) occurring in your business premises, you would require a public liability insurance.

Furthermore, EL insurance does not protect your from discrimination claims, wrongful terminations claims, harassment claims, etc.

Your insurer must be authorized, otherwise you will be breaking the law. Also, you would want to compare the premium costs of different insurers so that you get yourself a decent deal.

The beauty of EL insurance is that it protects you from having to directly pay costs in the event an employee is injured on the job. It protects both you, by being able to cover any costs without going out of business, and the employee, who may be unable to work temporarily. - 23211

About the Author:

About the author: Ben Ashfalk is passionate about employers liability insurance and liability insurance coverage.

How To Find Small business Health Insurance

By Paul Stevens

Before the present moment it was difficult to ensure that you were getting yourself the best deals that you could on small business health insurance.

Everybody would generally be doing the same thing. They would find a company that offered these types of policy and then request a quote by filling out whatever needed to be filled out and then comparing the quotes.

If you want to spend your time firstly locating each company that can provide this type of policy in whichever state you live in then you will find the best prices, but I would also wish you luck. You can never be sure you've found them all and it would take a huge amount of time and patience.

Now you get a website to do all this boring, long stuff on your behalf. A price checker website has all the details on their database already and you can use it to find all the best deals that are out there in a fraction of the time.

Because of all the work that these price checker website do, a user can find quotes for all the different companies in the sate by just entering one set of detail, just as they normally would when requesting one quote from a company on their own.

The whole thing takes just a few minutes to complete. It is also possible to save a lot from the cheapest quotes, perhaps around 40% or more.

There is one more important point to understand before anyone starts with this, and that is to use a site that is 100% independent.

What happens quite often is that sites that claim to be price comparison web sites are actually affiliated with some insurance companies. If you end up using one of these sites, you will miss out on the best deals. - 23211

About the Author:

To use our choice of the greatest Small Business Health Insurance price comparison site just use this link.

What to look for in a good Forex Software

By Bart Icles

FOREX traders who avail an account with of a Forex Broker are usually provided with Forex trading software to help them in their daily trade transactions in terms of automated functions and regular market updates. Many people are enticed into online trading as this has now become one of the more promising investments today that offers substantial returns. With this trend seeing no decline, there is a great demand for the able services of many veteran traders and brokerage companies to provide the necessary help, especially when it comes to using Forex software programs. There are two common types of Forex software systems available - the web based and the client or desktop based software programs. What you choose is eventually up to you.

If you are able to take hold of a good FOREX software program that is able to deliver a fast and accurate data transfer of relevant market quotes without fail, then your reaction time to market markers will become much easier to do. The world of currency trading is very unpredictable, and anything may happen within a moment's time. But if you have a reliable Forex software system at hand, then you'll be able to manage its risk at an acceptable level. The catch is how to choose the right one from the many competing companies currently proliferating in the market today.

Before committing to any Forex software program, you should consider a few factors to avoid delays and problems in your trading. Security should be the at the forefront of your concerns, so you should look for a software that has an 126 bit SSL encryption to prevent uninvited guest accessing your personal data, including your financial history. The ideal software program should offer the most basic yet most security options, a non-stop or 24/7 service for technical concerns and trouble shooting and maintenance support for any hitches, regular backups for data storage and recovery.

To avoid losses, you should only get a Forex software program that is using the most current and up to date systems to help reduce or lessen the risks involved with online currency trading. If you know the right questions to ask about the nature of Forex software systems, finding the right software program may become easier than anticipated.

Ask your Forex broker what kind of additional features comes with the software - whether it's free of charge or for purchase only. Also, get in the open if they give out extra programs that might prove useful to training you and informing you of the intricacies of the market.

Forex currency will remain complicated and baffling to anyone without the help of Forex software programs. If you want to become a profitable trader, you should consider highly getting one before stepping out into active currency trading. - 23211

About the Author:

Come learn how to use forex charting software properly on an online forex trading platform with some skill to better your chance for success in forex trading.

Dental Insurance - Ways Of Getting The Best Deal

By Dawn Enstruthe

Considering the rapidly increasing costs of dentistry insurance, obtaining a decent supplemental dental insurance policy may be the answer to your individual needs.

A client will need to know how much s/he would have to pay for claims and how much would have to be paid monthly so it is essential to plan accordingly. It is highly recommended that you do your research into various companies and see what they can offer you. A dental insurance policy is certainly one that you would appreciate since it will enable you to cover the dentist's bills, but it is essential to make sure that it covers all the bills you may have.

This can make a serious impact on your budget. There is nothing worse than having a dental insurance plan but still having a huge expense in front of you. To solve this problem, a supplemental policy is worth considering. These policies suit many individuals and families very well since they are far cheaper than the traditional costs of receiving dental care.

Another option may be to check with your state. A lot of states offer reduce fee dental insurance which meet certain rules, however, to be able to obtain one of these plans, you will need a certain income level; i. E.: if you make more than the maximum amount would not be allowed to sign up for such a program. These policies are usually priced very reasonably and offer a high amount of coverage. Also, typically, you can sign up to these policies regardless as you where you work.

If you have to look for a preexisting plan, you will probably pay more than you would just for a standard policy. This expense is, however, significantly cheaper than the other options. If you are running up a great amount of debt with your dental expenses then a supplemental policy is definitely worth considering, but before you pay for a policy, you need to know exactly what you are wanting to supplement.

To finally determine what is a reasonable price for a reduced fee policy, you need to know what the standard market prices are for such a policy. Simply signing up for a policy of a lower price may not be the best idea since it may be lacking in some benefits.

One thing to consider that could prove helpful for you would be to contemplate all the issues before taking a specific policy that you may be thinking about. For example, you may want to learn which dental ailments can be prevented and what you need to keep your teeth healthy and in a decent state. - 23211

About the Author:

Dawn Enstruthe writes for website Cosmetic Doctors USA which has info on cheap sedation dentist San Francisco and very cheap dental patient finance.